Membership is open to those who live, work, worship or attend school in one of the following Texas counties: Aransas, Bee, Jim Wells, Kleberg, Nueces and San Patricio. Refer to the credit union's Who-Can-Join page for more details. Membership requires a $15 membership fee and a minimum deposit of $25 in the savings account. Most credit unions don't have a membership fee so this may be something you can negotiate. The credit union does have a history of competitive CD rates so the upfront cost may still be worth it.
Branches are located in the Texas cities of Corpus Christi, Kingsville, Beeville, Portland and Rockport.
NavyArmy FCU has some decent ratings for safety and soundness: 3 stars (performing) at Bankrate.com and 5 stars (superior) at BauerFinancial. Both ratings are based on 12/31/08 financial data. The credit union is federally insured by the NCUA (Charter # 9998).
Other High Certificate of Deposit Rates
For top CD rates nationally available, refer to my weekly rate summary. Many of the best CD deals are only locally available. To find the best deals in your state, refer to the index of state CD and bank deals.