Bank · FDIC insured
First Lockhart Bank CD Rates
First Lockhart Bank’s best CD rate is 3.65% APY on a 6-month CD. Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How First Lockhart Bank’s CD rates compare
Compared with banks and credit unions near Austin, TX, where First Lockhart Bank has the most branches. $10,000, best rate first.
This bank’s best
First Lockhart Bank
3.65%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $181
Certificate of Deposit
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
First Lockhart Bank CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo2.65%
- 31–60 months31–60 mo2.65%
- QualifiedQualified3.65%
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 First Lockhart 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 3.65%APY · 7 terms
Fixed rate APYs. Auto renewable options available. The annual percentage yield assumes interest remains on deposit until maturity. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA minimum of $1,000 to open account and obtain the stated APY. Penalty for early withdrawal | 3.25% | $80 |
| 6 monthsA minimum of $1,000 to open account and obtain the stated APY. Penalty for early withdrawal | 3.65% | $181 |
| 12 monthsA minimum of $1,000 to open account and obtain the stated APY. Penalty for early withdrawal | 3.35% | $335 |
| 18 monthsA minimum of $1,000 to open account and obtain the stated APY. Penalty for early withdrawal | 2.65% | $400 |
| 24 monthsA minimum of $1,000 to open account and obtain the stated APY. Penalty for early withdrawal | 2.65% | $537 |
| 36 monthsA minimum of $1,000 to open account and obtain the stated APY. Penalty for early withdrawal | 2.65% | $816 |
| 48 monthsA minimum of $1,000 to open account and obtain the stated APY. Penalty for early withdrawal | 2.65% | $1,103 |
Sources (1)
- firstlockhart.com/personal/deposit-services/cds-iras · captured Sep 17, 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.