Credit Human Ups 36-Month CD Rate


Deal Summary: 36-59 month CD, 1.00% APY, $500 minimum deposit.

Availability: Easy membership requirement

Texas-based Credit Human recently increased the rates on its CDs, adding between 5 and 15 bps. Of the nine CDs in the product line, the 36-59 month CD has the most competitive rate – 1.00% APY. The minimum opening deposit for any Credit Human CD is $1k, with no stated balance cap.

1.00%$500-Credit Human36-59 Month IRA (Traditional, Roth, CESA)
1.00%$1k-Credit Human36-59 Month CD
Rates as of January 26, 2022.

The 36-59 month CD is also available as an IRA CDs (Traditional, Roth, and CESA) earning the same APY, but with a lower $500 minimum deposit requirement.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows:

For all accounts, the amount of the early withdrawal penalty is the greater of $50.00 or an amount equal to the number of days' dividends as determined in accordance with the following penalty schedule:

        Terms of 36 months and over – 365 days' dividends

Funding and Accessing Maturing Funds

According to CSR, the easiest way to fund a CD is through an internal transfer from a Credit Human savings or checking account. Credit Human participates in the CO-OP Shared Branch network, which facilitates the relatively easy transfer of funds. Maturing funds can distributed by check to the address on file or transferred to another Credit Human liquid account.


Headquartered in San Antonio, Texas, Credit Human’s field of membership (FOM) now includes a way for virtually any U.S. citizen or resident alien (with valid Social Security numbers) to join. Credit Human’s online application lists five paths to membership:

”I am an employee, member or volunteer of one of the following organizations” (more than 250 named organizations, including several state, county, and local government agencies).

”I live, work, worship or attend school in Credit Human’s service area” (greater San Antonio metro area).

”I am a veteran, a retiree, an active duty member or a dependent of a member of the U.S. Armed Forces or National Guard.”

”I study at the following trade school, college or university” (47 named schools, including Texas Tech University System).

”I am related to or live with a Credit Human member” (no definitions listed).

And finally,

None of the above membership categories apply to me. Please enroll me in the American Consumer Coundil (ACC) so I may open an account with Credit Human. I understand that the ACC provides consumer education to its members and that once I am a member of the ACC I am eligible for Credit Human membership. Credit Human handles the application and the initial fee to join the ACC.

Joining Credit Human and/or opening a CD can be done online or at any of 20 Texas branches, located in Houston, San Antonio (18) and Schertz.

Membership begins with a $5 required minimum balance in a share savings account.
There are no monthly fees, and dividends are paid on balances of $100 or more.

Credit Human is a member of the CO-OP Shared Branching Network, allowing members to “make basic transactions at over 5,000 shared credit union branches nationwide.” As stated on Credit Human’s Locations page,

Credit Human does not participate in the ATM Co-Op. ATM transactions at Co-Op ATMs are subject to fees imposed by the ATM owner. Credit Human does not support Vcom transactions at 7-Eleven locations.

Credit Union Overview

Credit Human has an overall health grade of "B" at, with a Texas Ratio of 11.82% (above average), based on June 30, 2021 data. In the past year, Credit Human has increased its total non-brokered deposits by $123.41 million, an excellent annual growth rate of 4.98%. Please refer to our financial overview of Credit Human (NCUA Charter # 24382) for more details.

Originally established in 1935 as the National Federation of Federal Employees Local No. 28, the founding members were twelve federal government workers. By the end of the year, 37 loans had been made, providing a profit of nearly $43 (approximately $835 in 2021 dollars). The credit union has rebranded three times: Government Employees Credit Union (1949), San Antonio Credit Union (1987), and Credit Human (2016). Each name change reflected the growing and expanding FOM. With more than 234,000 members, Credit Human is currently the eighth largest credit union headquartered in Texas, with assets in excess of $3.6 billion.

How the CD Compares

When compared to the similar length-of-term CDs tracked by that require a similar minimum deposit requirement and are nationally available, Credit Human's 36-59 month CD APY currently ranks third.

The above information and rates are accurate as of 10/27/2021.

To searching for the best CD rates, both nationwide and in your state? Please refer to CD Rates Table page.

Related Pages: Greensboro CD rates, Houston CD rates, San Antonio CD rates, Seattle CD rates, 5-year CD rates, nationwide deals

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San Antonio Federal Credit Union (SACU) continues to offer some of the best long-term CD and IRA CD rates in the nation. It's one of the few institutions that still offer CD rates over 3%. Below is a summary of its best long-term CD and IRA CD rates as listed at the credit union's rates page as of 6/26/2012:

  • 3.55% APY 10-year CD ($90K+), 3.51% APY 10-year CD ($10K-$90K)
  • 3.05% APY 7-year CD ($90K+), 3.00% APY 7-year CD ($10K-$90K)
  • 2.36% APY 5-year CD ($90K+), 2.30% APY 5-year CD ($10K-$90K)
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Early Withdrawal Penalty

The early withdrawal penalty is 365 days of interest for terms of 5 years and over. For...

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High-Yield Reward Checking Account at a Texas Credit Union (SACU)

Update: The top rate has fallen to 2.25% APY.

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San Antonio Federal Credit Union (SACU) has some competitive certificate rates. These include a 4.00% APY 6-month certificate with a minimum deposit of $10,000 and a 4.40% APY 18-month certificate with a minimum of $1,000. The 6-month certificate has a yield of 3.90% APY for a $1,000 minimum. These are also available as an IRA certificate.

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