Bank · FDIC insured
Central Bank CD Rates
Central Bank’s best CD rate is 0.50% APY on a 1-year CD. Terms run from 3 months to 1 year. Rates checked October 16, 2026.
How Central Bank’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Central Bank has the most branches. $10,000, best rate first.
This bank’s best
Central Bank
0.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $50
Certificate of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 0.50%APY · 3 terms
Rates are subject to change without notice. Minimum opening deposit $1,000. Assumes all interest will remain on deposit until maturity. Penalties may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsTerm 90 - 179 Days | 0.35% | $9 |
| 6–12 monthsTerm 180 - 364 Days | 0.45% | $22 |
| 12 monthsTerm 1 Year | 0.50% | $50 |
Special-purpose accounts
Retirement Account (IRA CD)
Up to 0.50%APY · 3 terms
Rates are subject to change without notice. Minimum opening deposit $1,000. Assumes all interest will remain on deposit until maturity. Penalties may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsTerm 90 - 179 Days | 0.35% | $9 |
| 6–12 monthsTerm 180 - 364 Days | 0.45% | $22 |
| 12 monthsTerm 1 Year | 0.50% | $50 |
Sources (1)
- cbhou.com/About/Rates · captured Sep 25, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.