EECU (TX) Unveils 13-Month CD Special, 2.75% APY


Deal Summary: 13-month CD Special, 2.75% APY, $1k minimum, new money.

Availability: Easy membership requirement for Texas residents.

Fort Worth-based EECU started the month by adding a limited-time 13-month CD Special, earning 2.75% APY. The minimum opening deposit is $1k of new money, which is defined as funds “from an external source not with EECU.” While advertised as "limited-time offer," there is no end-date listed on the website. According to CSR, no specific end-date has been announced.

The CD Special is also available as an IRA (Traditional, Roth, CESA, and SEP), earning the same APYs with the same funding requirements. CSR stated that IRAs must be opened at a branch location; no online or phone applications will be accepted.

According to CSR, the Early Withdrawal Penalty (EWP) for a CD term of a year or longer is 180 days of interest. When I asked about the EWP, CSR said something I didn’t understand at first: “The earlier in the term you make a withdrawal, the higher the penalty will be.” I realized what he meant was that any withdrawal made within the first 180 days of the term would result in a penalty that would eat into the principal.

Thanks to DA reader, calebwelty, for his Forum post about EECU’s new CD Special.


Headquartered in Fort Worth, EECU’s field of membership (FOM) is open to all Texas residents through membership in one of two associations.

In partnership with EECU, America’s Charities offers a complimentary Individual Associate Membership, which qualifies any Texas resident for EECU membership.

A complimentary Friend of Tarleton Alumni Association membership also qualifies for membership in EECU. Located in Stephenville, Tarleton State University is a member of the Texas A&M University System.

Also qualifying for membership are:

1. Individuals who live or work in the Texas counties of Hood, Johnson, Palo Pinto, Parker, or Tarrant.

2. Employees or retirees of any educational institution, business, association, hospital, or municipality in the Fort Worth area, including Erath, Hood, Jack, Palo Pinto, Somervell, Wise, and Young Counties.

3. Employees or members of more than 600 Select Employee Groups (complete list available on online application.

4. Relatives or household members of a current EECU member.

Joining EECU and/or opening a CD Special can be done online, by phone (817.882.0800), or in person at any of 14 Texas branches, located in Arlington (2), Burleson, Fort Worth (5), Hurst, Mansfield, Saginaw, Southlake, Watauga, and Weatherford.

Establishing a new EECU membership requires opening a Regular Savings account with a minimum $5 deposit. A minimum $100 balance is required to earn the stated APY.

In addition to the CO-OP Share Branch and ATM networks, EECU participates in the Allpoint ATM network, giving its members access to over 5,000 Service Centers and more than 85,000 fee-free ATMs throughout the world.

Credit Union Overview

EECU has an overall health grade of "A+" at, with a Texas Ratio of 2.09% (excellent) based on June 30, 2019 data. In the past year, EECU has increased its total non-brokered deposits by $159.19 million, an excellent annual growth rate of 8.41%. Please refer to our financial overview of EECU (NCUA Certificate # 67928) for more details.

EECU was established in 1934 as the Fort Worth Teachers Credit Union. Ten Fort Worth educators and administrators each contributed $5 and the Credit Union was open for business. While the name might suggest an FOM limited to teachers, EECU has been serving Dallas/Fort Worth area communities for 85 years. As one of North Texas’ largest locally owned financial institutions, EECU currently has nearly 212,000 members and assets in excess of $2.3 billion.

How the CD Special Compares

When compared to 560 similar length-of-term CDs tracked by, requiring a similar minimum deposit and available to Texas residents, EECU’s 13-Month CD Special APY currently ranks first.

The above rates are accurate as of 9/4/2019.

To look for the best CD rates, either nationwide state-specific, please refer to our CD Rates Table page.

Related Pages: Dallas CD rates, 1-year CD rates

Previous Comments
  |     |   Comment #1
Thanks for posting this deal. Easy application so far.....waiting for confirmation from the CU.
  |     |   Comment #2
And after sending them copies of DL and SSN cards, they advised by phone, we would need to drive to a branch. The closest one is over 60 miles, each way. No thanks, I'll look for the next closest. They said we had alot of bank inquires? Yes, of course we do, we are CD savers. Then, they were reluctant to send me an email stating they were not opening the account, which I wanted, since they have all my funding bank info! Finally, they agreed, and did.
  |     |   Comment #3
That really sucks. When you provide them with all your sensitive information and then find out that you're not even a candidate, it feels like you've been scammed. Been there. There's no excuse for them not telling you you had to go to a branch right up front.
  |     |   Comment #4
The exact same thing happened to me. They are very difficult to deal with so be prepared for a less than welcoming encounter. Although there is no stated maximum they got rid of me by refusing to accept more a $100M. They want borrowers not depositors and the smaller the better. Don't waste your time on eecu. You can find better relationships at any other credit union or bank who will welcome your deposits. My Community Credit Union, Ag Fed, NASA Fed and Navy CU just to mention a few. Look elsewhere.
EECU (TX) Adds 29-Month Special CD
Deal Summary: Special Certificates – 17-month (2.80% APY) and 29-month (3.00% APY), $1k minimum, new money.

Availability: Easy membership requirement for all Texas residents.

Fort Worth-based EECU has added two limited-time Special Certificates: 17-month (2.80% APY) and 29-month (3.00% APY). Both require new money and can be opened with a $1k minimum deposit; there are no stated balance caps. While advertised as "limited time offers," there is no end-date listed on the website. According to CSR, there is no specific end-date at this time.

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EECU (Texas) Offers 13- and 40-month CD Specials
Availability: Individuals within the greater Dallas/Fort Worth metropolitan area.

Fort Worth-based EECU is offering two limited-time CDs: a 13-month CD Special (1.30% APY) and a 40-month CD Special (1.70% APY).

The minimum opening deposit for either CD Special is $5K of new money and there are no balance caps.

Both CD Specials are also available as IRAs (Traditional, Roth, SESA, and CEP), earning the same APYs with the same funding requirements as their standard CD counterparts for each respective term. (Note: According to CSR, IRAs must be...

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Top Long-Term CD & IRA CD Rates at EECU in Fort Worth Texas - Local Only

EECU is offering competitive long-term CD and IRA CD rates. The Jumbo IRA CDs with a $50K minimum deposit have the best rates: 2.90% APY for 5 years and 2.65% APY for 4 years. The non-Jumbo IRA CDs which have a $1K minimum have rates that are 5 basis points lower. The non-IRA CD rates are 10 basis points lower. The two best Jumbo CD rates are 2.80% APY for 5 years and 2.55% APY for 4 years. These rates are listed at the credit union's rates page as of...

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Top 4-Year & 5-Year CD Rates at EECU in Texas - Local Only

EECU is offering several competitive CD and IRA CD rates. The most competitive ones include a 3.00% APY 48-month CD and a 3.15% APY 60-month CD. Minimum deposit is $1,000. Higher rates are available for Jumbo CDs ($50K minimum) and IRA CDs. The Jumbo IRA CD rates are 3.15% APY for 48 months and 3.30% APY for 60 months. Another good deal is the 18-month bump-up CD which has a 1.75% APY for a $5K minimum deposit. Rate may be bumped one time and must be initiated 6 months or...

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