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* APY (Annual Percentage Yield). APY is accurate as of 04/25/2023. Required minimum opening deposit is $500. Opening deposit amount must be "new money" to Texans Credit Union. New money is defined as funds that have not been deposited with Texans and does not include funds withdrawn and redeposited within 60 days. 4.50% APY is valid for 13-month certificates of deposit only. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account. Rates and terms subject to change at any time.