A+ Federal Credit Union has long offered its StartUP Share Certificate with a 5.00% APY. It's a 1-year CD with a maximum deposit of $1,000. There's a limit of one per member.
Minimum deposit is $10, and it allows add-on deposits.
The 5% is about 3.5% higher than what you can get for a 1-year term these days. That results in $35 extra dollars for a $1K deposit.
This CD alone is probably not enough reason to join this credit union, but if you join for other reasons, there's no reason not to open this CD.
Credit union membership is open to anyone who's a member of the A+ Education Foundation, an association that's easy to join with a $10 fee. Refer to their membership page
for the full details.
Branches are located in the Austin metro area.