Bank · FDIC insured
Ciera Bank CD Rates
Top CarrotCiera Bank’s best CD rate is 4.20% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Ciera Bank’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Ciera Bank has the most branches. $10,000, best rate first.
This bank’s best
Ciera Bank
4.20%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $858
Certificate of Deposit
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Ciera Bank CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ciera Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.20%APY · 8 terms
A penalty may be imposed for early withdrawal. Daily balance method used to calculate interest.
| Term | APY · $50 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsInterest compounded: None. Interest credited: At Maturity | — | 3.90% | 3.90% | $96 |
| 6 months180 Day EZ Saver. Interest compounded: None. Interest credited: At Maturity | 4.05% | — | 4.05% | $200 |
| 6 monthsInterest compounded: None. Interest credited: At Maturity | — | 4.05% | 4.05% | $200 |
| 12 months12 Month EZ Saver. Interest compounded: Quarterly. Interest credited: Quarterly | 4.10% | — | 4.10% | $410 |
| 12 monthsInterest compounded: Quarterly. Interest credited: Quarterly | — | 4.10% | 4.10% | $410 |
| 18 monthsInterest compounded: Quarterly. Interest credited: Quarterly | — | 4.15% | 4.15% | $629 |
| 24 monthsInterest compounded: Quarterly. Interest credited: Quarterly | — | 4.20% | 4.20% | $858 |
| 36 monthsInterest compounded: Quarterly. Interest credited: Quarterly | — | 4.10% | 4.10% | $1,281 |
| 48 monthsInterest compounded: Quarterly. Interest credited: Quarterly | — | 4.15% | 4.15% | $1,766 |
| 60 monthsInterest compounded: Quarterly. Interest credited: Quarterly | — | 4.20% | 4.20% | $2,284 |
Intrafi CDARS
Up to 4.05%APY · 5 terms
A penalty may be imposed for early withdrawal. Daily balance method used to calculate interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months13 Weeks. Interest compounded: Daily. Interest credited: At Maturity | 3.75% | $92 |
| 6 months26 Weeks. Interest compounded: Daily. Interest credited: At Maturity | 3.90% | $193 |
| 12 months52 Weeks. Interest compounded: Daily. Interest credited: At Maturity | 3.95% | $395 |
| 24 months2 Years. Interest compounded: Daily. Interest credited: At Maturity | 4.05% | $826 |
| 36 months3 Years. Interest compounded: Daily. Interest credited: At Maturity | 4.00% | $1,249 |
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 3.85%APY · 7 terms
Offers both Traditional and Roth IRAs. A penalty may be imposed for early withdrawal. Daily balance method used to calculate interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest compounded: None. Interest credited: At Maturity | 3.70% | $183 |
| 12 monthsInterest compounded: Quarterly. Interest credited: Quarterly | 3.75% | $375 |
| 18 monthsInterest compounded: Quarterly. Interest credited: Quarterly | 3.80% | $575 |
| 24 monthsInterest compounded: Quarterly. Interest credited: Quarterly | 3.85% | $785 |
| 36 monthsInterest compounded: Quarterly. Interest credited: Quarterly | 3.75% | $1,168 |
| 48 monthsInterest compounded: Quarterly. Interest credited: Quarterly | 3.80% | $1,609 |
| 60 monthsInterest compounded: Quarterly. Interest credited: Quarterly | 3.85% | $2,079 |
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.