Bank · FDIC insured
Gulf Capital Bank CD Rates
Top CarrotGulf Capital Bank’s best CD rate is 4.96% APY on a 3-year CD. Terms run from 1 month to 3 years. Rates checked October 16, 2026.
How Gulf Capital Bank’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Gulf Capital Bank has the most branches. $10,000, best rate first.
This bank’s best
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Standard Certificate of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
3rd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Gulf Capital Bank CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.49%
- 9–15 months9–15 mo4.65%
- 16–30 months16–30 mo4.80%
- 31–60 months31–60 mo4.91%
- QualifiedQualified4.91%
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 Gulf Capital 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.
Jumbo Certificates of Deposit
Up to 4.96%APY · 8 terms
For balances of $250,000 or more. Minimum opening deposit is $250,000. A penalty will be imposed for early withdrawal. Account auto-renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm of 30 Days | 4.23% | — |
| 2 monthsTerm of 60 Days | 4.33% | — |
| 3 monthsTerm of 90 Days | 4.44% | — |
| 6 monthsTerm of 6 Months | 4.54% | — |
| 9 monthsTerm of 9 Months | 4.65% | — |
| 12 monthsTerm of 12 Months | 4.70% | — |
| 24 monthsTerm of 24 Months | 4.86% | — |
| 36 monthsTerm of 36 Months | 4.96% | — |
Sources (1)
- gulfcapitalbank.com/deposit-cd-rates · captured Oct 6, 2026
Standard Certificate of Deposit
Up to 4.91%APY · 8 terms
Minimum balance to open is $1,000. For balances of $1,000 – $249,999.99. A penalty will be imposed for early withdrawal. Account auto-renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm of 30 Days | 4.18% | $34 |
| 2 monthsTerm of 60 Days | 4.28% | $70 |
| 3 monthsTerm of 90 Days | 4.39% | $108 |
| 6 monthsTerm of 6 Months | 4.49% | $222 |
| 9 monthsTerm of 9 Months | 4.59% | $343 |
| 12 monthsTerm of 12 Months | 4.65% | $465 |
| 24 monthsTerm of 24 Months | 4.80% | $984 |
| 36 monthsTerm of 36 Months | 4.91% | $1,546 |
Sources (2)
All captured Oct 6, 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.