Certificates of Deposit | TX Credit Union CD Rates | First Service

Bump Up CD Rates

Term	Balance	Dividend Rate	Annual Percentage Yield (APY)¹⁰
12 months	$1,000 to $49,999.99	4.74%	4.85%
12 months (jumbo)	$50,000 and over	4.84%	4.95%
18 months	$1,000 to $49,999.99	4.84%	4.95%
18 months (jumbo)	$50,000 and over	4.93%	5.05%

Direct Deposit Incentive Dividend

Earn an extra 0.05% on Bump Up CDs when you have at least a $1,000 monthly direct deposit to a First Service checking account.¹²⁰

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Bump Up Certificate of Deposit Features

High Dividends

Earn high dividends at a guaranteed, fixed rate.

$1,000 Opening Deposit

Open your CD with as little as $1,000.

One-Time Rate Bump

Request a one-time rate increase if rates go up at any time during your CD term.¹²¹

Direct Deposit Incentive

Earn more when you have a checking account with direct deposit.

Free eStatements

Receive your statements electronically for quick access.⁴

Federally Insured

Your funds are federally insured up to $250,000.

Contact Us to Open a Bump Up CD

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Bank Your Way

All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.

Digital Banking

Bank on your own schedule with 24/7 access to check your balances, make transfers, pay bills, and more.

Banking on the Go

Use our app to access your account and even deposit checks with your smartphone or tablet — it’s just a tap away!

Shared Branches & ATMs

Enjoy Texas-sized access at over 5,000 credit union branches and over 85,000 AllPoint and CO-OP ATMs nationwide.³⁴

[120] Direct Deposit Incentive Dividend: APY = Annual Percentage Yield. Incentive dividend rate is accurate as of 9/15/2023 and subject to change. To receive the 0.05% incentive rate each month, the member must have a total of at least $1,000 direct deposited into a First Service checking account in the last 30 days. Dividends are compounded and credited monthly to the Promotional CD account. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings. Other restrictions may apply.

[121] One-Time CD Rate Bump: Bump Up CD holders may request to have their CD rate increased to the currently offered rate one time at any point during the term of their promotional CD. Rate can only be increased once during the term of the CD. The increased rate will only apply to the period of time remaining on the initial certificate term and will not apply for auto-renewals. Other restrictions may apply.

[4] Paper Statement Fee: A recurring fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule for details. To avoid the paper statement fee, log in to Digital Banking to change your statement preference to eStatements.

[34] CO-OP Shared Branching: Account access at CO-OP shared branches is available after 45 days of membership. Shared ATM access is available to members immediately.

[10] Certificates of Deposit: APY = Annual Percentage Yield. APYs are accurate as of 9/15/2023 and subject to change. Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.