Bank · FDIC insured
Lone Star Bank CD Rates
Lone Star Bank’s best CD rate is 3.80% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Lone Star Bank’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Lone Star Bank has the most branches. $10,000, best rate first.
This bank’s best
Lone Star Bank
3.80%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $188
CD Promotions
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Lone Star Bank CD score
72
CD score
Higher than 30% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo2.09%
- 31–60 months31–60 mo0.51%
- QualifiedQualified3.80%
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 Lone Star 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.
CD Promotions
Up to 3.80%APY · 3 terms
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsCDs $100,000 or More | — | 2.80% | —2.80% from $100k | — |
| 3 monthsCDs Under $100,000 | 2.80% | — | 2.80% | $69 |
| 6 monthsCDs $100,000 or More | — | 3.80% | —3.80% from $100k | — |
| 6 monthsCDs Under $100,000 | 3.80% | — | 3.80% | $188 |
| 11 monthsCDs $100,000 or More | — | 3.45% | —3.45% from $100k | — |
| 11 monthsCDs Under $100,000 | 3.30% | — | 3.30% | $302 |
Sources (1)
- lsbtexas.com/rates-3 · captured Oct 16, 2026
CDs
Up to 3.14%APY · 16 terms
A penalty will or may be imposed for early withdrawal. Annual percentage yield assumes that interest remains on deposit until maturity.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1–0 monthsTerm: 7-29 Days; $100,000 or more tier; Early withdrawal penalty applies | — | 0.20% | —0.20% from $100k | — |
| 1–0 monthsTerm: 7-29 Days; Under $100,000 tier; Early withdrawal penalty applies | 0.20% | — | 0.20% | $0 |
| 1 monthTerm: 30-59 Days; $100,000 or more tier; Early withdrawal penalty applies | — | 0.20% | —0.20% from $100k | — |
| 1 monthTerm: 30-59 Days; Under $100,000 tier; Early withdrawal penalty applies | 0.20% | — | 0.20% | $2 |
| 2 monthsTerm: 60-89 Days; $100,000 or more tier; Early withdrawal penalty applies | — | 0.20% | —0.20% from $100k | — |
| 2 monthsTerm: 60-89 Days; Under $100,000 tier; Early withdrawal penalty applies | 0.20% | — | 0.20% | $3 |
| 3–5 monthsTerm: 90-179 Days; $100,000 or more tier; Early withdrawal penalty applies | — | 2.59% | —2.59% from $100k | — |
| 3–5 monthsTerm: 90-179 Days; Under $100,000 tier; Early withdrawal penalty applies | 2.59% | — | 2.59% | $64 |
| 6 monthsTerm: 6 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 3.14% | —3.14% from $100k | — |
| 6 monthsTerm: 6 Months; Under $100,000 tier; Early withdrawal penalty applies | 3.14% | — | 3.14% | $156 |
| 9 monthsTerm: 9 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 2.59% | —2.59% from $100k | — |
| 9 monthsTerm: 9 Months; Under $100,000 tier; Early withdrawal penalty applies | 2.59% | — | 2.59% | $194 |
| 11 monthsTerm: 11 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 2.83% | —2.83% from $100k | — |
| 11 monthsTerm: 11 Months; Under $100,000 tier; Early withdrawal penalty applies | 2.83% | — | 2.83% | $259 |
| 12 monthsTerm: 12 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 2.83% | —2.83% from $100k | — |
| 12 monthsTerm: 12 Months; Under $100,000 tier; Early withdrawal penalty applies | 2.83% | — | 2.83% | $283 |
| 13 monthsTerm: 13 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 2.83% | —2.83% from $100k | — |
| 13 monthsTerm: 13 Months; Under $100,000 tier; Early withdrawal penalty applies | 2.83% | — | 2.83% | $307 |
| 15 monthsTerm: 15 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 1.99% | —1.99% from $100k | — |
| 15 monthsTerm: 15 Months; Under $100,000 tier; Early withdrawal penalty applies | 1.99% | — | 1.99% | $249 |
| 18 monthsTerm: 18 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 2.09% | —2.09% from $100k | — |
| 18 monthsTerm: 18 Months; Under $100,000 tier; Early withdrawal penalty applies | 2.09% | — | 2.09% | $315 |
| 24 monthsTerm: 24 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 0.21% | —0.21% from $100k | — |
| 24 monthsTerm: 24 Months; Under $100,000 tier; Early withdrawal penalty applies | 0.21% | — | 0.21% | $42 |
| 30 monthsTerm: 30 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 0.26% | —0.26% from $100k | — |
| 30 monthsTerm: 30 Months; Under $100,000 tier; Early withdrawal penalty applies | 0.26% | — | 0.26% | $65 |
| 36 monthsTerm: 36 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 0.31% | —0.31% from $100k | — |
| 36 monthsTerm: 36 Months; Under $100,000 tier; Early withdrawal penalty applies | 0.31% | — | 0.31% | $93 |
| 48 monthsTerm: 48 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 0.41% | —0.41% from $100k | — |
| 48 monthsTerm: 48 Months; Under $100,000 tier; Early withdrawal penalty applies | 0.41% | — | 0.41% | $165 |
| 60 monthsTerm: 60 Months; $100,000 or more tier; Early withdrawal penalty applies | — | 0.51% | —0.51% from $100k | — |
| 60 monthsTerm: 60 Months; Under $100,000 tier; Early withdrawal penalty applies | 0.51% | — | 0.51% | $258 |
Sources (1)
- lsbtexas.com/rates-3 · captured Oct 16, 2026
Special-purpose accounts
IRAs
Up to 3.14%APY · 9 terms
Effective 03/16/2026. Penalty applies for early withdrawal.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsOpening deposit and minimum daily balance $1,000. Effective 03/16/2026. Penalty applies for early withdrawal | 3.14% | — | 3.14% | $156 |
| 12 monthsOpening deposit and minimum daily balance $1,000. Effective 03/16/2026. Penalty applies for early withdrawal | 2.83% | — | 2.83% | $283 |
| 12 monthsOpening deposit and minimum daily balance $100,000. Effective 03/16/2026. Penalty applies for early withdrawal | — | 2.83% | —2.83% from $100k | — |
| 13 monthsOpening deposit and minimum daily balance $1,000. Effective 03/16/2026. Penalty applies for early withdrawal | 2.83% | — | 2.83% | $307 |
| 13 monthsOpening deposit and minimum daily balance $100,000. Effective 03/16/2026. Penalty applies for early withdrawal | — | 2.83% | —2.83% from $100k | — |
| 18 monthsOpening deposit and minimum daily balance $1,000. Effective 03/16/2026. Penalty applies for early withdrawal | 2.09% | — | 2.09% | $315 |
| 18 monthsOpening deposit and minimum daily balance $100,000. Effective 03/16/2026. Penalty applies for early withdrawal | — | 2.09% | —2.09% from $100k | — |
| 24 monthsOpening deposit and minimum daily balance $1,000. Effective 03/16/2026. Penalty applies for early withdrawal | 0.21% | — | 0.21% | $42 |
| 24 monthsOpening deposit and minimum daily balance $100,000. Effective 03/16/2026. Penalty applies for early withdrawal | — | 0.21% | —0.21% from $100k | — |
| 30 monthsOpening deposit and minimum daily balance $1,000. Effective 03/16/2026. Penalty applies for early withdrawal | 0.26% | — | 0.26% | $65 |
| 30 monthsOpening deposit and minimum daily balance $100,000. Effective 03/16/2026. Penalty applies for early withdrawal | — | 0.26% | —0.26% from $100k | — |
| 36 monthsOpening deposit and minimum daily balance $1,000. Effective 03/16/2026. Penalty applies for early withdrawal | 0.31% | — | 0.31% | $93 |
| 36 monthsOpening deposit and minimum daily balance $100,000. Effective 03/16/2026. Penalty applies for early withdrawal | — | 0.31% | —0.31% from $100k | — |
| 48 monthsOpening deposit and minimum daily balance $1,000. Effective 03/16/2026. Penalty applies for early withdrawal | 0.41% | — | 0.41% | $165 |
| 60 monthsOpening deposit and minimum daily balance $1,000. Effective 03/16/2026. Penalty applies for early withdrawal | 0.51% | — | 0.51% | $258 |
| 60 monthsOpening deposit and minimum daily balance $100,000. Effective 03/16/2026. Penalty applies for early withdrawal | — | 0.51% | —0.51% from $100k | — |
Sources (1)
- lsbtexas.com/rates-3 · captured Oct 16, 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.