A trusted way to grow your money — Share CDs

Higher Dividends | Terms 3 months - 5 years 

Certificate of Deposits at Texas Trust CU

This month's CD Specials

Available for a limited time.

7-month CD Special

7-month term: 5.33 APY¹


  • A low minimum balance of $500 to start earning
  • Earn dividends monthly
  • New money required to open*

*50% of the balance must be new money deposited to the credit union within the last 30 days. View the 7-month CD Truth and Savings Disclosure

13-month CD Special

13-month term: 5.22 APY¹


  • A low minimum balance of $500 to start earning
  • Earn dividends monthly
  • New money required to open*

*50% of the balance must be new money deposited to the credit union within the last 30 days. View the 13-month CD Truth and Savings Disclosure

2-year IRA Share CD

2-year term: 5.00 APY¹


  • A low minimum balance of $500 to start earning
  • No maximum balance
  • New money required to open*

*50% of the balance must be new money deposited to the credit union within the last 30 days. View the 2-year IRA Share Certificate Disclosure

Check out our most popular CDs

Smart Start Share CD²

1 year term: 4.65 APY¹


  • Available to members ages 17 and younger. 
  • Interest accrued and paid monthly
  • Only $100 to get started
  • Deposits can be made anytime, by anyone.
Smart Youth Savings CD

Term Share CD³

1 year term: 4.65% APY¹


  • Low minimum deposit: $500
  • Interest accrued and paid monthly
  • NCUA Insured up to $250,000
  • Withdrawal dividends that have been paid penalty free
Term Share CD

Mega Flex CD⁴ - Public Servants

9 month term: 4.54% APY¹


  • 10 calendar days Grace Period after maturation
  • Withdraw up to 25% of your current balance with no penalties. Must maintain a minimum balance of $500
  • $500 to start
Smart Youth Savings CD

55 and Better⁵

15 month term: 4.33% APY¹


  • Add .01% to your base rate for every year of your age
  • 10 calendar days Grace Period after maturation
  • Withdraw dividends that have been paid without penalty
  • $10,000 to start
Smart Youth Savings CD

Find the right CD for you

Term Share (minimum deposit $500)

3 month


4.33% APY

6 month


4.44% APY

12 month


4.65% APY

2 years


4.60% APY

3 years


3.71% APY

4 years


3.58% APY

5 years


3.40% APY

Deposits are not permitted during term of certificate. Withdrawals are permitted, penalties will apply. You may withdraw dividends that have been paid without penalty. See our Truth in Savings disclosures for more details: Certificates of Deposit Truth in Savings

Start growing your money today

Flex CDs (minimum deposit $5,000)

6 month


4.28% APY

12 month


4.49% APY

2 years


3.61% APY

3 years


3.56% APY

4 years


3.42% APY

5 years


3.25% APY

Deposits are not permitted during term of certificate. Withdrawals are permitted, penalties will apply. You may withdraw dividends that have been paid without penalty. See our Truth in Savings disclosures for more details: Certificates of Deposit Truth in Savings

Start growing your money today

Mini Jumbo CDs (minimum deposit $50,000)

3 month


4.39% APY

6 month


4.49% APY

12 month


4.70% APY

Jumbo CDs (minimum deposit $98,000)

3 month


4.44% APY

6 month


4.54% APY

12 month


4.75% APY

Deposits are not permitted during term of certificate. Withdrawals are permitted, penalties will apply. You may withdraw dividends that have been paid without penalty. See our Truth in Savings disclosures for more details: Certificates of Deposit Truth in Savings

Start growing your money today

Calculate your earnings with our CD Calculator

1APY = Annual Percentage Yield.

2$100 minimum opening deposit. 1-year term. Joint owner required. Additional deposits are permitted of at least $25. At age 16, minor may withdraw without joint owner consent. Once youth reaches age 18 and the CD matures, the money will automatically roll into a 1-year Term Share CD if it meets balance requirements. If not, the funds will be transferred to the Share Account. Penalties apply for early withdrawal. Youth Savings Account required.

3Texas Trust Credit Union membership eligibility required. You must have a Share Account open with a minimum balance of $5 to open any Share CD.

4Only Public Servants and Workplace Partners are eligible for the Mega Flex CD. Must be full-time employee of any ISD School District, Private/Charter School, University, City, State, County, Federal Municipality, or a Workplace Partner.

555 And Better CD: Deposits not permitted during the term of the CD (180 day certificate).

See our Truth in Savings disclosures: Certificates of Deposit  AND Truth in Savings

Serving Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green Counties with branches in Arlington, Athens, Bedford, Cedar Hill, Dallas, Desoto, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo

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