Earn Predictable Returns
Lock in fixed dividend rates that grow your money over time
a.k.a. Certificates of Deposit in Tyler, Texas
Looking for a safe way to grow your savings over time? Like certificates of deposit, CTCU term share certificates offer guaranteed returns with competitive dividend rates and flexible terms.
Whether you're planning for the future or teaching your child the value of long-term saving, our certificates make it easy to earn more with peace of mind.
Two Ways to Earn with Term Share Certificates
Choose from our regular or youth certificate options to meet your financial goals—whether you’re saving for yourself or helping your child start early.
Term Share Certificates
Invest in a Term Share Certificate. For members 18 and up—stable, secure, and built for growth.
- Minimum balance of $1,000
- Fixed dividend rates
- Dividends paid monthly
- Automatic renewal for continued growth
- Early withdrawal penalties may apply
| Term | APY* |
|---|---|
6 month | 4.00% |
12 month | 4.00% |
18 month | 3.50% |
24 month | 2.85% |
36 month | 2.75% |
48 month | 2.75% |
60 month | 2.75% |
Youth Term Share Certificates
IRA Term Share Certificates
Term Share Certificates for members with IRA Accounts
- Available for members with IRA accounts.
- Minimum Deposit: $1,000
- Higher earnings than traditional IRA savings accounts.
- Dividends compounded monthly
- Rates are the same as our Term Share Certificates
Why Choose CTCU for Certificates?
Choose Flexible Terms
Pick the certificate length that fits your savings goals
Grow with Confidence
No surprises—just steady earnings and federally insured deposits
Teach Valuable Habits
Certificates help kids learn to plan and have patience
Bank with People You Trust
Local support from the team at your Tyler, TX, credit union
Start Earning Today
Whether you're saving for yourself or setting your child up for future success, a term share certificate account from CTCU makes it easy to grow your money securely. Open an account online, by phone at 903-561-2603, or visit our Tyler or Lindale branch to get started.
