Dedicated to Deposits: Deals, Data, and Discussion
DETAILSINSTITUTIONAPYMINMAXPRODUCT
United SA Federal Credit Union1.41%$500-60 Month CD
United SA Federal Credit Union1.00%$500-48 Month CD
United SA Federal Credit Union0.90%$500-36 Month CD
United SA Federal Credit Union0.25%-$25kPremium Reward Checking
Accounts mentioned in this post. Rates as of July 23, 2014

Top Long-Term CD Rates Continue at United SA Federal Credit Union in Texas - Local Only

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United SA Federal Credit Union

United SA Federal Credit Union continues to offer competitive long-term CD and IRA CD rates. The best one is a 3.04% APY 5-year CD. The rates for the shorter terms have gone down a bit since my September post. Those include a 2.63% APY 4-year CD and a 2.17% APY 3-year CD. Minimum deposit is $500. These rates are listed in the credit union's rates page as of 11/21/2010. Above the table it lists a date range of November 18th to November 24th.

As a comparison to internet banks as of 11/21/2010, the best 5-year CD rate is 2.60% APY at Acacia Federal Savings Bank, and the best 3-year CD rate is 2.05% APY at Bank of Internet USA. For credit unions with easy membership, the best 5-year and 3-year CD rates are 3.03% APY and 2.27% APY at Melrose Credit Union.

One small perk with United SA's 3-year CD is that it has a bump-up feature that allows you to "request a one-time rate adjustment to match the current published rate." The maximum rate increase is 1%, and the term remains the same after the adjustment. According to the credit union's share certificates page, this feature is only for the 24-month and 36-month CDs, and the initial rate is the same as the regular certificate rate.

The credit union also offers a reward checking account. I first reported on this reward checking account in October 2007 when it was paying 6.01% APY. The rate has fallen considerably, and it now pays only 1.26% APY for balances up to $25K.

Membership is open to those who live, work, worship or attend school in Bexar County, Texas. Please see the credit union membership page for the full details. Membership requires a minimum deposit of $5 into the savings account.

Branches are located in San Antonio, TX.

The credit union has an overall health score of 3 out of 5 with a Texas Ratio of 17.60% (excellent) based on June 2010 data. Please refer to our financial overview of United SA Federal Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 10245).

Searching for the Best CD Rates

To search for the best nationwide CD rates and the best CD rates in your state, please refer to the CD rates section of DepositAccounts.com.

  Tags: United SA Federal Credit Union, CD rates, Texas, IRA rates

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