Dedicated to Deposits: Deals, Data, and Discussion

Top Long-Term CD and IRA CD Rates at Qualtrust Credit Union in Texas - Local Only

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Qualtrust Credit Union

Qualtrust Credit Union continues to offer competitive long-term certificate rates. The following rates are listed at the credit union's rates page as of 4/01/2010:

  • 3.56% APY 5 year
  • 3.30% APY 4 year
  • 2.78% APY 3 year
  • 2.52% APY 2.5 year
  • 2.02% APY 2 year

Above the rate table, it states that rates are subject to change every Tuesday. Minimum deposit is $1,000. According to the small print, the early withdrawal penalty is 180 days of dividends. The rates also apply to CDs in Traditional, Roth and SEP IRAs and in an Educational Savings Account.

The above rates are the same as when I last posted on this credit union in December except for the 2-year rate which has fallen by 25 basis points.

Membership is open anyone who lives, works, plays or worships within a 10 mile radius of the credit union's Irving and Grapevine locations or in Tom Green County (location of their San Angelo office). Please refer to the credit union's About Us Page for more details. Membership requires a minimum balance of $5 in the share savings account.

The credit union's ratings for safety and soundness have fallen by one star at both Bankrate and BauerFinancial, but they still are at or above average: 3 stars (performing) at Bankrate.com (based on 9/30/09 data) and 4 stars (excellent) at BauerFinancial (based on 12/31/09 data). The credit union is federally insured by the NCUA (Charter # 68569).

Thanks to the reader who mentioned these CD rates in the Open Discussions Thread

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Related Pages: CD rates, Qualtrust Credit Union, Texas

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