When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account. If you're worried about bank failures, keep in mind money is safe at a federally insured financial institution. Our top picks for CDs are protected by FDIC or NCUA insurance. These are our picks for the best 1-year CD rates. To join City Credit Union, you must live, work, worship, or attend school in an eligible county in Texas (Cooke, Grayson, Wise, Denton, Collin, Hunt, Rockwall, Dallas, Tarrant, Parker, Johnson, Ellis, or Kaufman County). The best rate for a 12-month CD is 6.00% APY, available at City Credit Union. Membership at City Credit Union is open to anyone who lives, works, worships, or attends school in an eligible county in Texas (Cooke, Grayson, Wise, Denton, Collin, Hunt, Rockwall, Dallas, Tarrant, Parker, Johnson, Ellis or Kaufman County).
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