Lone Star Credit Union has some attractive certificate rates. The most competitive rates include a 4.37% APY 24-month CD, a 4.52% APY 36-month CD, a 4.89% APY 48-month CD and a 5.04% APY 60-month CD. The minimum deposit is $500. They also have a good deal on their Jumbo 12-month certificate: 4.11% APY for a $10K minimum and 4.32% APY for a $50K minimum. A rate bump of 0.25% will be applied on any of their CDs for having a money market account or a Heritage checking account. These same rates are also available for IRA certificates.
Membership is open to anyone who lives or works within 10 mile radius of the credit union's main office (7508 Ferguson Road, Dallas, Texas) or in one of the following counties: Hunt, Rockwall, Kaufman, Delta, Rains and Hopkins. Please see their Membership page for full details. Membership requires a minimum $25 deposit to your Regular Share Savings Account.
Branches are located in Dallas, Terrell and Greenville, TX. The credit union is federally insured by the NCUA (Charter # 68449). It has $73.3 million in assets and 11,800 members.
Thanks to the reader who mentioned these CD rates in the Finding-the-best-rates post.