Savings

CD's

CD’s, or certificates of deposit, are a great way to save money for a specific amount of time. CD’s earn a higher rate of interest than other savings accounts, and you can pick the term that’s right for you. Dividends are paid quarterly.

What’s more; Regular, Bump Up, Jumbo, Money Market, and IRA CD’s are all subject to a higher interest rate if you have a checking account relationship with Lone Star Credit Union! Check out all of Lone Star Credit Union's CD rates.

(If you need the funds during the term, you can obtain a flexible term share secured loan for only 2% above the certificate rate!)

Regular/IRA CD's

Regular CD’s - LSCU's regular CD’s require $500 to open and have terms ranging from 1 year (12 months) to 5 years (60 months).
IRA CD’s - Designed for retirement in mind, these CD’s require $500 to open and have several term options from 1 year (12 months) to 5 years (60 months).
Bump Up CD’s (Regular or IRA) - With a Bump Up CD, you can choose to bump UP your CD rate once during the term of your CD. Bump Up CD’s are $500 to open, and the terms range from 2 years (24 months) to 5 years (60 months).
Jumbo CD’s (Regular or IRA) - For our super savers out there, Lone Star CU offers Jumbo CD’s, which require a minimum of $90,000 to open. Rates vary from 1 year (12 months) to 5 years (60 months).
Bump Up Jumbo CD’s (Regular and IRA) - Why not get the best of both worlds? These CD’s also require a minimum opening deposit of $90,000 and you can bump up the rate once during the term, which ranges from 2 years (24 months) to 5 years (60 months).

Specialty CD's

Business CD's - For those savvy business people who need to make a little more cash (and who doesn't?) LSCU's Business CD's require a $2,500 opening deposit and terms vary from 1 year (12 months) to 5 years (60 months).
Money Market CD’s - If you prefer to keep large balances in a more accessible account, the Money Market CD is perfect for you! The opening deposit is $2,500 and the terms are either 91 days (3 months) or 182 days (6 months).
Youth CD’s - Let’s face it, money does not grow on trees…as much as kids would like to think! All Youth CD’s (for ages 17 and under)require a $100 deposit to open and the terms range in increments from 1 year (12 months) to 5 years (60 months).