Penhook, Virginia CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Penhook, Virginia CD rates include PAHO WHO Federal Credit UnionPAHO WHO Federal Credit UnionA+5.0 ★Texas Ratio: 4.82%Real return: +1.79%APY minus CPI (February 2026) offering 36 Months IRA Certificate at 4.59% APY, Apple Federal Credit UnionApple Federal Credit UnionA+5.0 ★Texas Ratio: 3.07%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month Starter Certificate at 4.50% APY, Signature Federal Credit UnionSignature Federal Credit UnionA5.0 ★Texas Ratio: 6.76%Real return: +1.45%APY minus CPI (February 2026) offering 6 Month Share and IRA Certificate at 4.25% APY, Beacon Credit Union IncorporatedBeacon Credit Union IncorporatedA+5.0 ★Texas Ratio: 1.82%Real return: +1.45%APY minus CPI (February 2026) offering Limited Time Special - 6 Months at 4.25% APY, and EagleBankEagleBankA+5.0 ★Texas Ratio: 5.93%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month CD at 4.10% APY. CD rates as of June 3, 2026 according to verified data from MonitorBankRates.
Penhook is a smaller community with no bank or credit union branches currently in our database. 729 institutions serving the Virginia area are available to Penhook residents, with CD rates as high as 4.59% APY from PAHO WHO Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 3, 2026
Compare Best CD Rates in Penhook, Virginia & the Surrounding Area
Penhook 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3 Month Share and IRA Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 3 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
*APY: Annual Percentage Yield
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Term Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Visit or Call
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
3-Month Share Certificate
$100
3.00%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Jumbo - 90 Day Certificate
$100,000
2.90%
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3-Months
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
3 months
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$100,000 - $199,999
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
3 months less than
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$99,999
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
3 months
$0
1.06%
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$100,000 - $199,999
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
3 months less than
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$99,999
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA 3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
Certificate IRAs (Traditional or Roth IRA) 3 Months
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
3 Months Short-Term Certificate
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Premium
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
3 MONTH CD
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3 Months Certificate of Deposits
$2,500
0.40%
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 3 months
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Business Share Certificates 3 Months
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
For all business share certificates, the early withdrawal penalty is 30 days of dividend whether earned or not. Dividends Compounded: Monthly
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Months Share Certificate
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 3 Months
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Penhook 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month Share and IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Limited Time Special - 6 Months
$2,500
4.25%
▼
Rate4.17%
Min Deposit$2,500
Min Balance—
UpdatedMay 23, 2026
Details
Beacon's promotional certificate rate is only valid on new money only. For 6 months promotional share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not.
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6 Months IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6 months Share Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA 6 Months
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
As High As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Regular Certificates 6 month Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
6 months Term Shares Certificate
$0
3.89%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 6 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Visit or Call
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 6 Month Special
$2,500
3.70%
▼
Rate3.67%
Min Deposit$2,500
Min Balance—
UpdatedMay 29, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Share & IRA Certificate Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD - 6 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Share & IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Bonus Certificates
$40,000
3.60%
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 6 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 6 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Online Certificate of Deposit - 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
HSBC Wealth Center/Telephone Deposit Account APYs: CDs - 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 6 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
IRA Certificates 6 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $500.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
6 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
6 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
*APY: Annual Percentage Yield
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
6 Month Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
6 mos term Share Certificates
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate 6 mos term
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6 months Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
6-Month Share Certificate
$100
3.30%
▼
Rate3.30%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6 months Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
6-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Roth IRA 6-Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
IRA Certificate - 6 Months
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
IRA Certificates 6-Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Penhook 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12 Month Starter
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12-Month Starter Certificate
$50
4.50%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedJun 3, 2026
Details
Maximum $5,000. Additional deposits are permitted at any time until maturity, up to the maximum. A penalty may be imposed for early withdrawals. If the Certificate is redeemed prior to the maturity date the following penalty will apply: If the term is over 6 months to 60 months - the lesser of dividends earned since issuance or renewal or 180 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the Certificate is withdrawn within the 10 days following the maturity date, no penalty will apply. Fees could reduce earnings on the account. See Starter Certificate Disclosure for complete terms. APY = Annual Percentage Yield as of 06/03/2026 for a 12-month Starter Certificate; subject to change at any time.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
Rate4.01%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
1 Year EZ Save Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 Month Share and IRA Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certificates 1 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Regular Certificates 1 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Visit or Call
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 month certificate
$100,000
3.95%
▼
Rate3.88%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 month IRA
$100,000
3.95%
▼
Rate3.88%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 mos term Share Certificates
$500
3.95%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate 12 mos term
$0
3.95%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 12 month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 12 month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 month certificate
$50,000
3.85%
▼
Rate3.78%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 month IRA
$50,000
3.85%
▼
Rate3.78%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Bonus Certificates
$40,000
3.84%
▼
Rate3.78%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month Share Builder Certificate Platinum
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month Share & IRA Certificate Platinum
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
1-year term
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
1-year term Fixed-Rate Certificates
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 1-year term
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 month certificate
$5,000
3.76%
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 month IRA
$5,000
3.76%
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
Share Certificate / IRA Certificate 12 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
1-Year Share Certificate
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 month certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 1 year
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 to $249,999
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 month IRA
$100
3.75%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12 months Share Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12 month IRA Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12 month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 12-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD - 12 Month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1-year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month Share Builder Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month Share & IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penhook 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certificates 18 Month Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Regular Certificates 18 Month Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18-Month Certificates
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
New money only; Alero Financial membership required
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 18 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 18 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Variable-Rate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 18 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Variable-Rate Certificate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
18 months Share Certificates
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18 Month Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Share & IRA Certificate Platinum
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 mos term Share Certificates
$500
3.64%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate 18 mos term
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
18 Month Share and IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Share & IRA Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
Share Certificate / IRA Certificate 18 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18-Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
18 Months Long-Term Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
Certificate IRAs (Traditional or Roth IRA) 18 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18-Month Share Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
18 months Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Share Certificate 18 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 18 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
IRA Certificates 18 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $500.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Month Term Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 18 months
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 to $249,999
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 18 months
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
$1,000 to $99,999
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Share & IRA Certificates 18 Months
$0
3.13%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Other Terms: 19, 20, 21, & 22
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 18 months
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
Certificate - 18 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
18 months Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Penhook 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
24 months Share Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
24 Months IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certificates 2 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Regular Certificates 2 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Visit or Call
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD - 24 Month
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month Share and IRA Certificate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
24 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24-Month Traditional IRA Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 1 to 2 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24-Month Roth IRA Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Online Certificate of Deposit - 24 Month
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
HSBC Wealth Center/Telephone Deposit Account APYs: CDs - 24 Month
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 24-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 1 to 2 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
2-year term Fixed-Rate Certificates
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 2-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
24 Month Share & IRA Certificate Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Jumbo - 2 Year Certificate
$100,000
3.70%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
24 Month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 24 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 24 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 24 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
24 Month Share & IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
2 Year Certificate
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (24 month term)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
Share Certificate / IRA Certificate 24 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
24 months Share Certificates
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
24 mos term Share Certificates
$500
3.54%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate 24 mos term
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
2-Year IRA Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24-Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Call Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24-Month Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
As High As
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Months Share Certificates
$0
3.50%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
The below certificates of deposit have a $1,000.00 minimum balance. The dividend rate and annual percentage yield (APY) is fixed for the duration of the certificate, but may change at its maturity. You will incur a penalty for early withdrawal of a certificate. The annual percentage yields quoted are based on reinvesting of dividends until maturity. Withdrawals of interest prior to maturity will reduce the annual percentage yield. Fee imposed will also reduce the APY earned.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
24 months Term Shares Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Penhook 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Months IRA Certificate
$0
4.59%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 months Share Certificate
$0
4.59%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 months Share Certificate
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certificates 3 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Regular Certificates 3 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 months Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share Certificates 36 Months
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
As High As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 36 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 2 to 3 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
36-Month Traditional IRA Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (36 month term)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 2 to 3 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 3-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
36 Months Share Certificates
$0
3.70%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
The below certificates of deposit have a $1,000.00 minimum balance. The dividend rate and annual percentage yield (APY) is fixed for the duration of the certificate, but may change at its maturity. You will incur a penalty for early withdrawal of a certificate. The annual percentage yields quoted are based on reinvesting of dividends until maturity. Withdrawals of interest prior to maturity will reduce the annual percentage yield. Fee imposed will also reduce the APY earned.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Jumbo - 3 Year Certificate
$100,000
3.70%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
3-year term
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
3-year term Fixed-Rate Certificates
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 3-year term
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 36 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 36 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
36 Month Share & IRA Certificate Platinum
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month Share and IRA Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Visit or Call
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
3 Year Certificate
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate 36 mos term
$0
3.59%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
36 mos term Share Certificates
$500
3.59%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Variable-Rate Certificate 3-year term
$50
3.56%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Variable-Rate 3-year term
$50
3.56%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
Share Certificate / IRA Certificate 36 Month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
36 Month Share & IRA Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
3-Year IRA Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
36-Month Share Certificate
$25,000
3.55%
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Penhook 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Months IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 months Share Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certificates 4 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Regular Certificates 4 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 48 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 3 to 4 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 3 to 4 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 48-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
48 Month Share & IRA Certificate Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
4-year term Fixed-Rate Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
48 Month Share & IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Share and IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4 Year Certificate
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 48 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
48 Month IRA and Share Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
48 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
48 month IRA
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
48 month certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
48 months
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
48 months less than
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$99,999
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
48 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
48 month certificate
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
48 month IRA
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
48 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
48 months Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 months Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
48 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$100,000 - $199,999
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
48 Months Long-Term Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Penhook 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Months IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 months Share Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60-Month Roth IRA Certificates
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certificates 5 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Regular Certificates 5 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificate (60 month term)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 60 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 4 to 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
60 month IRA
$100,000
3.80%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
60 month certificate
$100,000
3.80%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 60-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
60 Month Share & IRA Certificate Platinum
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
60 Month IRA and Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 4 to 5 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 5 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month Share and IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
60 month IRA
$50,000
3.70%
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
60 month certificate
$50,000
3.70%
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 60 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 60 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
60 Month Share & IRA Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
5 Year Certificate
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
5-Year IRA Share Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 5-year term
$100,000
3.61%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
60 month certificate
$5,000
3.61%
▼
Rate3.55%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
60 month IRA
$5,000
3.61%
▼
Rate3.55%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
60 month IRA
$100
3.60%
▼
Rate3.55%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
60 month certificate
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
5-year term
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
5-year term Fixed-Rate Certificates
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 5-year term
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
5-Year IRA Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
60 Month Share/IRA Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
60 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$100,000 - $199,999
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Share Certificate 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 months Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Penhook, VA CD Rate Trends
Compare local Penhook, VA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — VA Avg
2.535%
▲ 0.001 vs 7 days ago
Virginia 12-month CD rates rose 0.001 points over the past 7 days to 2.535% APY.
6-Month CD — VA Avg
2.113%
▲ 0.011 vs 7 days ago
Virginia 6-month CD rates rose 0.011 points over the past 7 days to 2.113% APY.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
VA CD Rate Forecast — Next 12 Months
Where are Virginia CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
VA 12-Month Avg APY
2.535%
6-Month Forecast
2.535%
Range: 2.34% – 2.69%
12-Month Forecast
2.285%
Range: 2.09% – 2.44%
Powered by
MonitorBankRates
What Your Savings Earn at VA CD Rates Today
Annual interest earnings at today’s Virginia average APYs. State average used where available; national average as fallback.
| CD Term | VA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.011% | $50.53 | $101.06 | $252.65 | $505.30 |
| 6-Month CD | 2.113% | $105.66 | $211.32 | $528.30 | $1,056.60 |
| 12-Month CD | 2.535% | $126.73 | $253.45 | $633.63 | $1,267.25 |
| 18-Month CD | 2.394% | $119.68 | $239.36 | $598.40 | $1,196.80 |
| 24-Month CD | 2.531% | $126.56 | $253.11 | $632.78 | $1,265.55 |
| 36-Month CD | 2.515% | $125.76 | $251.51 | $628.78 | $1,257.55 |
| 48-Month CD | 2.521% | $126.07 | $252.14 | $630.35 | $1,260.70 |
| 60-Month CD | 2.567% | $128.34 | $256.67 | $641.68 | $1,283.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 3, 2026. | |||||
Sample CD Ladder for Penhook, Virginia Savers
$25,000 split equally across 5 terms using today’s Virginia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | VA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.011% | $50.53 |
| 2 | 6-Month CD | $5,000 | 2.113% | $105.66 |
| 3 | 12-Month CD | $5,000 | 2.535% | $126.73 |
| 4 | 24-Month CD | $5,000 | 2.531% | $126.56 |
| 5 | 36-Month CD | $5,000 | 2.515% | $125.76 |
| Total ($25,000 invested) | $25,000 | 2.141% blended | $535.24/yr | |
Ladder example uses equal $5,000 rungs and Virginia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
856
CD Rates
Tracked in Penhook, Virginia
Tracked in Penhook, Virginia
21 Banks
56 Credit Unions
About Our Penhook, Virginia CD Rate Database
MonitorBankRates tracks 856 CD rates from 21 banks and 56 credit unions with locations in Penhook, Virginia, plus national online institutions available to Virginia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: PAHO WHO Federal Credit Union offers a CD at 4.59% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Penhook, Virginia.
How to Find the Best CD Rates in Penhook, Virginia
What to compare when shopping for a CD in Penhook, Virginia
To find the best APYs in Penhook, Virginia, start with credit unions and online-only banks — Penhook, Virginia has 56 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Penhook, Virginia
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Penhook, Virginia — 77 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Penhook, Virginia savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Penhook, Virginia money market rates
Penhook, Virginia Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
22.7%
National avg: 17.3%
Median Individual Earnings
$40,139
National avg: $47,340
Poverty Rate
0.4%
National avg: 11.1%
Unemployment Rate
1.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$102/yr
At VA 12-mo avg 2.535% APY
22.7% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 1.3% reflects a strong local economy. At today’s VA 12-month CD average of 2.535%, saving 10% of the local median salary ($4,013/year) and putting it in a CD would earn an additional $102 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Penhook, Virginia
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Penhook, Virginia
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Penhook, Virginia typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Penhook, Virginia as everywhere in the U.S.
Choosing a CD Term in Penhook, Virginia
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Penhook, Virginia savers easier access to their funds. For example, Signature Federal Credit Union is offering its 6 Month Share and IRA Certificate at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, PAHO WHO Federal Credit Union is offering its 60 Months IRA Certificate at 4.07% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Penhook, Virginia Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Penhook, Virginia saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Penhook, Virginia
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Penhook, Virginia CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Penhook, Virginia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Penhook, Virginia depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Penhook, Virginia
Are CD rates in Penhook, Virginia FDIC insured?
Yes, most established banks in Penhook, Virginia are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Penhook, Virginia?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Penhook, Virginia.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Penhook, Virginia may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Penhook, Virginia?
Here are recent top rates found for this area:
- PAHO WHO Federal Credit Union: 4.59% APY (36 Months IRA Certificate)
- Apple Federal Credit Union: 4.50% APY (12 Month Starter)
- Signature Federal Credit Union: 4.25% APY (6 Month Share and IRA Certificate)
- Beacon Credit Union Incorporated: 4.25% APY (Limited Time Special - 6 Months)
- EagleBank: 4.10% APY (12 Month CD)
- Partners 1st Federal Credit Union: 4.07% APY (24 months)
- Loudoun Credit Union: 4.06% APY (60-Month Roth IRA Certificates)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- Blue Eagle Credit Union: 4.00% APY (IRA Certificates 2 Year Term)
- Freedom Bank of Virginia: 4.00% APY (6-MONTH CD)
Rates reflect recent verified offers available in Penhook, Virginia. Last Updated: June 3, 2026
CD Calculators for Penhook, Virginia
Penhook, Virginia CD Calculator
At today’s VA top rate of 4.59% APY, a $10,000 deposit earns $459 in the first year. Enter your amount to see your exact return.
Penhook, Virginia CD LadderVA CD rates currently range from 1.011% (3-month) to 2.515% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Penhook, Virginia CD at 4.59% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsVirginia’s average 12-month CD is 2.535% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Penhook, Virginia CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Penhook, Virginia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Penhook, Virginia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in VA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: June 3, 2026
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