Mobility Credit Union (TX) Offers CDs Statewide


Deal Summary: CDs – 9-month (1.00% APY), 12-month (1.16% APY), and 24-month (1.26% APY), $500 minimum deposit.

Availability: Easy membership requirement for Texas residents.

Mobility Credit Union’s (Mobility CU) 9-month CD earns 1.00% APY, which is considered competitive in the current rate climate. While not as competitive, the rates on the 12-month (1.16% APY) and 24-month (1.26% APY) CDs are very good. Any of these CDs can be opened with a $500 minimum deposit, with no stated balance cap.

1.00*%$500-Mobility Credit Union24 Month CD
0.90*%$500-Mobility Credit Union12 Month CD
0.75*%$500-Mobility Credit Union9 Month CD
Rates as of April 17, 2021.

Only the 12- and 24-month CDs are available as IRA CDs (Traditional, Roth, CESA), earning the same APYs with the same deposit requirements.

1.00*%$500-Mobility Credit Union24 Month IRA (Traditional, Roth, CESA)
0.90*%$500-Mobility Credit Union12 Month IRA (Traditional, Roth, CESA)
Rates as of April 17, 2021.

According to CSR, the Early Withdrawal Penalty for any CD is $25 or six months of interest, whichever is higher. Only an early closure is allowed; no partial withdrawals are permitted. CSR also mentioned that all early withdrawal penalties are currently suspended due to the COVID pandemic.

Funding and Accessing Maturing Funds

CSR stated that easiest way to fund a CD is through a transfer from a Mobility savings account. Mobility CU participates in the CO-OP Shared Branch network, which makes depositing funds relatively easy.

There is a ten calendar day grace period before any Mobility CU CD automatically renews. Maturing funds can be distributed by check or deposited into a Mobility CU savings or checking account.


Headquartered in Irving, Texas, Mobility Credit Union's field of membership (FOM) includes an easy membership option for all Texas residents through the Texas Consumer Council (TXCC).

Mobility Credit Union will handle everything, including your fee to join. Your name, address, email and phone number will be shared with TXCC as part of the enrollment process. TXCC will not share your information with third parties.

Individuals who live, work, worship, or attend school in Collin, Dallas, Denton, Ellis, Fannin, Grayson, Hunt, Johnson, Kaufman, Parker, Rockwall, Tarrant or Wise Counties are also eligible to join.

Family members of a current Mobility CU member also qualify for membership, no matter where they live. In this instance, family members are defined as spouse, significant other, parent, child/step-child, sibling, niece, nephew, and grandparent.

Joining Mobility CU can be done online or at any of three Texas branches located in Celina, Hurst, and Irving.

In a Live Chat, CSR stated opening a CD can be done online, in-person, or over the phone (800.388.7889).

Opening a Regular Share Savings account with a minimum $25 deposit establishes a Mobility CU membership.

Mobility CU participates in both the CO-OP Shared Branch and ATM networks.

With access to over 30,000 ATMs and over 5,000 shared branches, you
always have access to your money nationwide where ever you may travel.

Credit Union Overview

Mobility Credit Union has an overall health grade of "B+" at, with a Texas Ratio of 12.41% (above average) based on March 31, 2020 data. In the past year, Mobility CU has increased its total non-brokered deposits by $14.61 million, resulting in an excellent annual growth rate of 7.91%. Please refer to our financial overview of Mobility Credit Union (NCUA Charter # 68606) for more details.

In 1965, 14 employees met in the Dallas IBM facility’s lunchroom, collected $150, and founded the IBM Southwest Employees Federal Credit Union. As the FOM grew and diversified, the name was changed to YOUR Credit Union, as a “better reflection of the Credit Union’s strategic vision.”

With the advances in technology, which redefined banking convenience, along with a growing and younger mobile society, we determined that a new name was needed to convey our capability to meet the dynamic changes taking place in the market place. In 2014, we changed our name to MOBILITY Credit Union. The name depicts our ability to enable members to conduct banking transactions from anywhere and at any time, 365 days a year, 24 hours a day.

Mobility Credit Union is currently the 84th largest credit union in Texas, with nearly 17,000 members and assets in excess of $226 million.

How the CD Compares

When compared to the similar length-of-term CDs tracked by that require a similar minimum deposit and are available to all Texas residents, Mobility’s Credit Union's 9-month CD APY current shares the top spot with APYs offered on Barksdale Federal Credit Union’s 6-month Certificate and CommunityWide Federal Credit Union’s 6-month Share Certificate.

The above rates are accurate as of 9/2/2020.

To search for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Dallas CD rates, 1-year CD rates, 5-year CD rates

Competitive Short-Term Jumbo CD Rates at Your Community Credit Union in Texas

Unless you can get lucky with a hot short-term CD deal, you’ll probably have to settle for rates around 1.00% for good short-term CD deals. That’s the case for Your Community Credit Union which is offering a 1.00% APY for a 6-month and 12-month Jumbo CD. The minimum deposit to qualify for this rate is $100,000. The rates go down quite a bit for smaller deposits. This rate is listed in the credit union’s rates page as of 5/2/2013.

Credit union membership is open to those who live, work or worship...

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Special 6-Month CD Rate at Your Community Credit Union in Texas - Local Only

Your Community Credit Union has a nice CD special to celebrate its 45th year. Reader pearlbrown mentioned this special in the forum on August 21st when the credit union was advertising a 1.15% APY. Perhaps the credit union thought this didn't grab enough attention. Yesterday, the credit union was advertising a 2.00% APY 6-month CD. The 8/28/2011 Dallas Morning News ad is available online here. According to the ad, the 2.00% APY applies to balances up to $25,000. Minimum deposit is $500.

Credit union membership is open to those who live,...

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