Bank · FDIC insured
PlainsCapital Bank CD Rates
PlainsCapital Bank’s best CD rate is 3.33% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How PlainsCapital Bank’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where PlainsCapital Bank has the most branches. $10,000, best rate first.
This bank’s best
PlainsCapital Bank
3.33%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $165
Personal Certificate of Deposit
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
PlainsCapital Bank CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.33%
- 9–15 months9–15 mo3.19%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo2.98%
- QualifiedQualified3.33%
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 PlainsCapital 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.
Personal Certificate of Deposit
Up to 3.33%APY · 9 terms
$1,000 minimum is required to open account. A fee will be imposed for early withdrawal from CDs. Fees could reduce the earnings on the account. For CDs with maturities of 7 days through 364 days, interest is paid at the end of the term. For CDs with maturities of 1 year or greater, interest is paid quarterly and can be paid out or capitalized based on customer's discretion. Interest payments requested on a basis more frequent than quarterly will have a reduced APY. Posted APY may vary depending on term chosen.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 2.02% | $17 |
| 2 months | 2.78% | $46 |
| 3 months | 3.19% | $79 |
| 6 months | 3.33% | $165 |
| 12 months1 Year Fixed or Variable. For variable rate accounts, the rate may change after the account is opened | 3.19% | $319 |
| 24 months | 3.03% | $615 |
| 36 months | 2.98% | $921 |
| 48 months | 2.88% | $1,203 |
| 60 months | 2.83% | $1,497 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Account CD
Up to 3.19%APY · 5 terms
$100 minimum is required to open account. A fee may be imposed for early withdrawal. Fees could reduce the earnings on the account. Includes Traditional and Roth IRAs. Contributors under age 50 may contribute up to $7,500 in 2026; age 50 or older may contribute up to $8,600 in 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.19% | $319 |
| 24 months | 3.03% | $615 |
| 36 months | 2.98% | $921 |
| 48 months | 2.88% | $1,203 |
| 60 months | 2.83% | $1,497 |
Sources (3)
- plainscapital.com/personal/banking/iras
- plainscapital.com/current-rates
- plainscapital.com/personal/banking/iras/traditional-iras
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.