Term Share Certificates

Term Share Certificates (CDs)

At CTCU, we offer Term Share Certificates, also known as Certificates of Deposit (CDs), as a reliable and profitable savings solution to help you achieve your financial goals.

  • Competitive rates
  • Fixed terms
  • Risk free investment
  • Diverse options
  • Reinvestment opportunities
Term

6 Month

Minimum Balance$1,000
APY*3.75%
Dividend PeriodCompounded & CreditedMonthly
Term

12 Month

Minimum Balance$1,000
APY*3.75%
Dividend PeriodCompounded & CreditedMonthly
Term

18 Month

Minimum Balance$1,000
APY*3.50%
Dividend PeriodCompounded & CreditedMonthly
Term

24 Month

Minimum Balance$1,000
APY*2.85%
Dividend PeriodCompounded & CreditedMonthly
Term

36 Month

Minimum Balance$1,000
APY*2.75%
Dividend PeriodCompounded & CreditedMonthly
Term

48 Month

Minimum Balance$1,000
APY*2.75%
Dividend PeriodCompounded & CreditedMonthly
Term

60 Month

Minimum Balance$1,000
APY*2.75%
Dividend PeriodCompounded & CreditedMonthly
Rates effective as of

February 1, 2025

. Rates may change after accounts are opened, except fixed rate Term Share Accounts (Certificates). Fees may reduce earnings. The minimum to open and obtain the APY is the minimum stated in each category. Penalty will be imposed for early withdrawal for Term Share Accounts. Certificates listed above are also available as IRA Certificates for members with a CTCU Individual Retirement Account (IRA), except for the Youth Certificates. APY = Annual Percentage Yield. Federally insured by the NCUA. View

Full Disclosure

Ready to boost your savings? Get started today! You can open your Term Share Certificate in-branch or over the phone by calling us at (903) 561-2603.

Youth Term Share Certificates

Parents, are you looking for a smart and secure way to invest in your child's future? Look no further! Our Youth Certificate is tailored specifically for parents like you who want to give their children a head starts on their financial journey.

  • Competitive rates
  • Fixed terms
  • Risk free investment
  • Deposit Anytime
  • Reinvestment opportunities
Term

12 Month

Minimum Balance$20
APY*4.00%
Dividend PeriodCompounded & CreditedMonthly
Rates effective as of

February 1, 2025

. Maximum amount deposited is $10,000. Maximum balance is $10,000 plus compounded yield. Rates may change after accounts are opened, except fixed rate Term Share Accounts (Certificates). Fees may reduce earnings. The minimum to open and obtain the APY is the minimum stated in each category. Penalty will be imposed for early withdrawal for Term Share Accounts. APY = Annual Percentage Yield. Federally insured by the NCUA. View

Full Disclosure

Take the first step in securing your child's financial future. Open a Youth Certificate today! You can contact us at (903) 561-2603, email us at service@coopteachers.com, or visit us in-branch to get your child set up.

CD Interest Calculator

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