Bank · FDIC insured
Jefferson Bank CD Rates
Jefferson Bank’s best CD rate is 3.25% APY on a 1-year CD. Terms run from 1 month to 3 years. Rates checked October 16, 2026.
How Jefferson Bank’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where Jefferson Bank has the most branches. $10,000, best rate first.
This bank’s best
Jefferson Bank
2.25%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $225
Certificates of Deposit
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Jefferson Bank CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo1.76%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo1.00%
- 31–60 months31–60 mo1.00%
- QualifiedQualified2.25%
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 Jefferson 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 2.25%APY · 8 terms
Automatically renewable. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Free Online and Mobile Banking, free Automated Phone Banking with Jeff-Line, and free Combined Monthly Statements.
| Term | APY · $1,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $2,000,000 | APY · $2,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 1 monthTier 1 ($1,000.00-$99,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | 1.25% | — | — | — | 1.25% | $10 |
| 1 monthTier 2 ($100,000.00-$499,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | 1.51% | — | — | —1.51% $100k–$500k | — |
| 1 monthTier 3 ($500,000.00-$1,999,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | 1.76% | — | —1.76% $500k–$2,000k | — |
| 1 monthTier 4 ($2,000,000.00 & Over). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | — | 2.02% | —2.02% from $2,000k | — |
| 3 monthsTier 1 ($1,000.00-$99,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | 1.51% | — | — | — | 1.51% | $38 |
| 3 monthsTier 2 ($100,000.00-$499,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | 1.76% | — | — | —1.76% $100k–$500k | — |
| 3 monthsTier 3 ($500,000.00-$1,999,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | 2.27% | — | —2.27% $500k–$2,000k | — |
| 3 monthsTier 4 ($2,000,000.00 & Over). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | — | 2.52% | —2.52% from $2,000k | — |
| 6 monthsTier 1 ($1,000.00-$99,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | 1.76% | — | — | — | 1.76% | $88 |
| 6 monthsTier 2 ($100,000.00-$499,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | 2.01% | — | — | —2.01% $100k–$500k | — |
| 6 monthsTier 3 ($500,000.00-$1,999,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | 2.52% | — | —2.52% $500k–$2,000k | — |
| 6 monthsTier 4 ($2,000,000.00 & Over). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | — | 3.00% | —3.00% from $2,000k | — |
| 9 monthsTier 1 ($1,000.00-$99,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | 2.01% | — | — | — | 2.01% | $150 |
| 9 monthsTier 2 ($100,000.00-$499,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | 2.26% | — | — | —2.26% $100k–$500k | — |
| 9 monthsTier 3 ($500,000.00-$1,999,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | 2.76% | — | —2.76% $500k–$2,000k | — |
| 9 monthsTier 4 ($2,000,000.00 & Over). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | — | 3.16% | —3.16% from $2,000k | — |
| 12 monthsTier 1 ($1,000.00-$99,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | 2.25% | — | — | — | 2.25% | $225 |
| 12 monthsTier 2 ($100,000.00-$499,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | 2.50% | — | — | —2.50% $100k–$500k | — |
| 12 monthsTier 3 ($500,000.00-$1,999,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | 3.00% | — | —3.00% $500k–$2,000k | — |
| 12 monthsTier 4 ($2,000,000.00 & Over). Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | — | — | 3.25% | —3.25% from $2,000k | — |
| 18 monthsTier 1 ($1,000.00-$99,999.99). APY assumes interest remains on deposit until maturity. Interest is paid annually and does not compound. Withdrawal of interest before maturity will reduce earnings. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 1.00% | — | — | — | 1.00% | $150 |
| 18 monthsTier 2 ($100,000.00-$499,999.99). APY assumes interest remains on deposit until maturity. Interest is paid annually and does not compound. Withdrawal of interest before maturity will reduce earnings. Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | 1.00% | — | — | —1.00% $100k–$500k | — |
| 24 monthsTier 1 ($1,000.00-$99,999.99). APY assumes interest remains on deposit until maturity. Interest is paid annually and does not compound. Withdrawal of interest before maturity will reduce earnings. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 1.00% | — | — | — | 1.00% | $201 |
| 24 monthsTier 2 ($100,000.00-$499,999.99). APY assumes interest remains on deposit until maturity. Interest is paid annually and does not compound. Withdrawal of interest before maturity will reduce earnings. Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | 1.00% | — | — | —1.00% $100k–$500k | — |
| 36 monthsTier 1 ($1,000.00-$99,999.99). APY assumes interest remains on deposit until maturity. Interest is paid annually and does not compound. Withdrawal of interest before maturity will reduce earnings. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 1.00% | — | — | — | 1.00% | $303 |
| 36 monthsTier 2 ($100,000.00-$499,999.99). APY assumes interest remains on deposit until maturity. Interest is paid annually and does not compound. Withdrawal of interest before maturity will reduce earnings. Penalty may be imposed for early withdrawal. Fees may reduce earnings | — | 1.00% | — | — | —1.00% $100k–$500k | — |
Sources (2)
- jeffersonbank.com/personal/personal-savings/personal-cd
- jeffersonbank.com/info-center/personal-interest-rates
All captured Oct 6, 2026
Special-purpose accounts
IRAs
Up to 2.02%APY · 2 terms
Available as Traditional, Roth, or SEP IRAs. Invested in fixed or variable rate CDs which automatically renew at maturity with a 10-day grace period to withdraw funds without penalty. Penalty may be imposed for early withdrawal, which may include an IRA penalty. No annual fee.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months12 Month Fixed Rate IRA, balance tier $100,000 or Over. Interest paid annually. Penalty may be imposed for early withdrawal, which may include an IRA penalty. Fees may reduce earnings | — | 2.00% | —2.00% from $100k | — |
| 12 months12 Month Fixed Rate IRA, balance tier Less than $100,000. Interest paid annually. Penalty may be imposed for early withdrawal, which may include an IRA penalty. Fees may reduce earnings | 2.00% | — | 2.00% | $200 |
| 18 months18 Month Variable Rate IRA. Rate may change after opening. Interest paid quarterly, compounded and added back to principal every 3 months. APY assumes interest remains on deposit until maturity. Interest is paid annually and does not compound. Withdrawal of interest before maturity will reduce earnings. Penalty may be imposed for early withdrawal, which may include an IRA penalty. Fees may reduce earnings | 2.02% | — | 2.02% | $305 |
Sources (2)
- jeffersonbank.com/personal/personal-savings/iras
- jeffersonbank.com/info-center/personal-interest-rates
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.