Air Force FCU (Easy Membership) Offers Competitive 1-Year CD


Availability: Easy membership through the Airman Heritage Foundation; Employees (military and civilian) of Department of Defense in Arkansas, Louisiana, Mississippi, Oklahoma, and Texas.

Earlier this week, Air Force Federal Credit Union (Air Force FCU) raised the rate on its 1-year Share Certificate (1.31% APY).

The minimum deposit to earn the 1.31% APY is $100k, with deposits below $100k earning an APY of 1.16%.

1.36*%$1k-Air Force Federal Credit Union1 Year CD
0.50*%$1k-Air Force Federal Credit Union1 Year IRA (Traditional, Roth, CESA)
Accounts mentioned in this post. Rates as of August 17, 2017.

There have been 14 rate changes for the 1-year Share Certificate in nearly five years, with this week’s increase resulting in the highest APY since August 2011.

The 1-year Share Certificate is also available as an IRA (Traditional, Roth, and CESA) earning the same APY, with the same funding requirements.

As stated in the Truth in Savings Account Disclosure (attached to the online application), the Early Withdrawal Penalty reads as follows:

The penalty we may impose will equal one half of the dividends that would accrue from the date of the withdrawal to the maturity date applying the contracted rate on the certificate based to the amount withdrawn over and above any dividends credited or accrued to the certificate to date of withdrawal.


Headquartered in San Antonio, Texas, Air Force Federal Credit Union's field of membership is primarily (and historically) comprised of military and civilian employees of the Department of Defense, but membership is open to all U.S. residents through the Airman Heritage Foundation.

A list of more than 40 organizations and companies that qualify for membership is available on the Air Force FCU’s website. The majority of these qualifying organizations are Department of Defense related and are located in Arkansas, Louisiana, Mississippi, Oklahoma, and Texas.

Joining and/or opening a CD with Air Force FCU can be done online or in person at any of eight Texas branches located in Del Rio, San Antonio (6), and Schertz.

Credit Union Overview

Air Force Federal Credit Union has an overall health grade of "B+" at, with a Texas Ratio of 5.36% (excellent) based on December 31, 2015 data. In the past year, Air Force FCU has increased its total deposits by $3.93 Million, an above average annual growth rate of 1.19%. Please refer to our financial overview of Air Force Federal Credit Union for more details.

Established in 1952, Air Force Federal Credit Union (NCUA Charter # 8169) takes pride in "being built from the ground up by Airmen volunteers." With more than 41,200 members and assets in excess of $364 Million, Air Force FCU has been named "Credit Union of the Year" (less than $1 billion in assets category) by the United States Air Force in 1996 and 2013.

How the CD Compares

When compared to the 143 similar length-of-term CDs tracked by that are available nationally, Air Force Federal Credit Union’s 1-Year Share Certificate currently ranks third, regardless of minimum deposit requirement.

The above rates are accurate as of 4/9/2016.

To look for the best CD rates, both nationwide and in your state, please refer to our CD rates table, or our new Rates Map page.

Related Pages: Air Force Federal Credit Union, San Antonio

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