Bank · FDIC insured
Interstate Bank CD Rates
Interstate Bank’s best CD rate is 3.65% APY on a 3-month CD. Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Interstate Bank’s CD rates compare
Compared with banks and credit unions near Amarillo, TX, where Interstate Bank has the most branches. $10,000, best rate first.
This bank’s best
Interstate Bank
3.43%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $170
Certificates of Deposit
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Interstate Bank CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo3.43%
- 9–15 months9–15 mo3.34%
- 16–30 months16–30 mo2.93%
- 31–60 months31–60 mo2.27%
- QualifiedQualified3.43%
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 Interstate 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.
Certificates of Deposit
Up to 3.43%APY · 6 terms
Available for personal customer or business customer. No fees. Penalty for early withdrawal.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDaily Balances of $100,000 and over. Penalty for early withdrawal | — | 3.65% | —3.65% from $100k | — |
| 3 monthsDaily Balances of $500 - $99,999.99. Penalty for early withdrawal | 3.39% | — | 3.39% | $84 |
| 6 monthsDaily Balances of $100,000 and over. Penalty for early withdrawal | — | 3.58% | —3.58% from $100k | — |
| 6 monthsDaily Balances of $500 - $99,999.99. Penalty for early withdrawal | 3.43% | — | 3.43% | $170 |
| 12 monthsDaily Balances of $100,000 and over. Penalty for early withdrawal | — | 3.55% | —3.55% from $100k | — |
| 12 monthsDaily Balances of $500 - $99,999.99. Penalty for early withdrawal | 3.34% | — | 3.34% | $334 |
| 24 monthsDaily Balances of $100,000 and over. Penalty for early withdrawal | — | 3.19% | —3.19% from $100k | — |
| 24 monthsDaily Balances of $500 - $99,999.99. Penalty for early withdrawal | 2.93% | — | 2.93% | $595 |
| 36 monthsDaily Balances of $100,000 and over. Penalty for early withdrawal | — | 2.52% | —2.52% from $100k | — |
| 36 monthsDaily Balances of $500 - $99,999.99. Penalty for early withdrawal | 2.27% | — | 2.27% | $697 |
| 48 monthsDaily Balances of $100,000 and over. Penalty for early withdrawal | — | 2.52% | —2.52% from $100k | — |
| 48 monthsDaily Balances of $500 - $99,999.99. Penalty for early withdrawal | 2.27% | — | 2.27% | $939 |
Special-purpose accounts
IRA Savings Certificates
3.29%APY · 1 term
Variable Rate* & Fixed Rate. Rate may change after account is opened. Fees may reduce earnings. Penalty for early withdrawal.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 months18 Month Certificate (IRA). Penalty for early withdrawal. Rate may change after account is opened. Fees may reduce earnings | 3.29% | 3.55% | 3.29%3.55% from $100k | $498 |
Sources (1)
- isbtexas.bank/rates · 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.