Bank · FDIC insured
PointBank CD Rates
PointBank’s best CD rate is 3.93% APY on a 7-month CD. Terms run from 7 months to 13 months. Rates checked October 16, 2026.
How PointBank’s CD rates compare
Compared with banks and credit unions in Texas, where PointBank has the most branches. $10,000, best rate first.
This bank’s best
PointBank
3.93%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $227
7 Month CD
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
7 Month CD
3.93%APY · 1 term
Callable account; bank may call or accelerate maturity at option. Automatic renewal with 10-day grace period. Early withdrawal penalty equals 90 days of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsInterest compounded and credited every 7 months | 3.93% | $227 |
Sources (1)
- pointbank.com/wp-content/uploads/2025/12/OAO-CD.pdf · captured Sep 17, 2026
13 Month CD
3.80%APY · 1 term
Callable account; bank may call or accelerate maturity at option. Automatic renewal with 10-day grace period. Early withdrawal penalty equals 182 days of interest. Interest credited into the account may be withdrawn without penalty any time before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsInterest compounded and credited every 3 months | 3.80% | $412 |
Sources (1)
- pointbank.com/wp-content/uploads/2025/12/OAO-CD.pdf · captured Sep 17, 2026
11 Month CD
3.76%APY · 1 term
Owner must fund with new money and have an open or active PointBank checking account. Callable account; bank may call or accelerate maturity at option. Automatic renewal with 10-day grace period. Early withdrawal penalty equals 182 days of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsInterest compounded and credited every 11 months. Must fund with new money and have an open or active PointBank checking account | 3.76% | $344 |
Sources (1)
- pointbank.com/wp-content/uploads/2025/12/OAO-CD.pdf · captured Sep 17, 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.