Certificates of Deposit
WATCH YOUR MONEY GROW WITH FANTASTIC CD RATES!
CDs Offer a Range of Options To Help You Save
Features of our Certificates of Deposit:
Initial deposit starts at $1,000
Dividends are paid monthly at competitive rates and can be paid out or reinvested in the CD
Additional principal funds are not permitted during the term
Your deposits are federally insured by the NCUA
At maturity, your CD will renew automatically unless you notify us.‡
To open a CD, drop by our office or give us a call. Not yet a member (yes, you can join!)? Open your account now.
CD Rates
| Term | Minimum Deposit Amount | Dividend Rate | APY** |
|---|---|---|---|
| 6 Month | $1,000 | 2.25% | 2.273% | 12 Month | $1,000 | 2.25% | 2.273% | 18 Month | $1,000 | 2.00% | 2.018% |
| 24 Month | $1,000 | 2.00% | 2.018% |
| 36 Month | $1,000 | 2.00% | 2.018% |
| 48 Month | $1,000 | 2.00% | 2.018% |
| 60 Month | $1,000 | 2.00% | 2.018% |
Rates on Certificates of Deposit are effective as of February 1, 2024.
‡If you want to add principal funds to your CD, withdraw funds, or change the term, notify the credit union within 10 days of maturity. CDs issued as "non-renewing" do not auto-renew. An early withdrawal penalty may apply. At maturity, CD will renew at the prevailing rate at that time.
†New money required. Rates are subject to change without notice. At maturity, CD will renew at the prevailing rate at that time.
Want a safer way to grow your savings? Certificates of Deposit from 1st University Credit Union offer predictable growth, competitive rates, and the peace of mind that comes with NCUA insurance. With flexible terms, monthly dividends, and support from our local team, it’s an easy way to make your money work harder. Based in Waco, we proudly serve the Central Texas community, including McLennan, Erath, and Bosque counties.
Helping You Do Life — one smart deposit at a time.