Bank · FDIC insured
Schertz Bank & Trust CD Rates
Schertz Bank & Trust’s best CD rate is 4.06% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Schertz Bank & Trust’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where Schertz Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Schertz Bank & Trust
4.06%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $406
Regular CD
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
Schertz Bank & Trust CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.78%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.03%
- QualifiedQualified4.06%
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 Schertz Bank & Trust 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.
Regular CD
Up to 4.06%APY · 9 terms
Fixed rate, simple interest CD. Automatically renewable. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day CD. Interest paid at term back to CD. Penalty for early withdrawal is an amount equal to one month's interest. Redeemable on day of maturity or within 10 days after without penalty | 2.52% | $62 |
| 6 months180 Day CD. Interest paid at term back to CD. Penalty for early withdrawal is an amount equal to one month's interest. Redeemable on day of maturity or within 10 days after without penalty | 3.78% | $187 |
| 12 months1 Year CD. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to three month's interest. Redeemable on day of maturity or within 10 days after without penalty | 4.06% | $406 |
| 18 months1 1/2 Year CD. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to three month's interest. Redeemable on day of maturity or within 10 days after without penalty | 3.80% | $575 |
| 24 months2 Year CD. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to three month's interest. Redeemable on day of maturity or within 10 days after without penalty | 3.55% | $723 |
| 30 months2 1/2 Year CD | 3.29% | $843 |
| 36 months3 Year CD. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to six month's interest. Redeemable on day of maturity or within 10 days after without penalty | 3.03% | $937 |
| 48 months4 Year CD. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to six month's interest. Redeemable on day of maturity or within 10 days after without penalty | 3.03% | $1,268 |
| 60 months5 Year CD. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to six month's interest. Redeemable on day of maturity or within 10 days after without penalty | 3.03% | $1,610 |
Sources (2)
- schertzbank.com/personal/consumer-products/deposit-rates
- schertzbank.com/personal/consu…roducts/personal-savings
All captured Oct 6, 2026
Jumbo CD
Up to 4.00%APY · 7 terms
Automatically renewable. Terms up to 60 months. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day Jumbo CD. Penalty for early withdrawal is one month's interest | 2.50% | — |
| 6 months180 Day Jumbo CD. Penalty for early withdrawal is one month's interest | 3.78% | — |
| 12 months1 Year Jumbo CD. APY (Quarterly) is 4.06%. Interest paid quarterly on one year and higher. Penalty for early withdrawal is three month's interest | 4.00% | — |
| 24 months2 Year Jumbo CD. APY (Quarterly) is 3.55%. Interest paid quarterly on one year and higher. Penalty for early withdrawal is three month's interest | 3.50% | — |
| 36 months3 Year Jumbo CD. APY (Quarterly) is 3.03%. Interest paid quarterly on one year and higher. Penalty for early withdrawal is six month's interest | 3.00% | — |
| 48 months4 Year Jumbo CD. APY (Quarterly) is 3.03%. Interest paid quarterly on one year and higher. Penalty for early withdrawal is six month's interest | 3.00% | — |
| 60 months5 Year Jumbo CD. APY (Quarterly) is 3.03%. Interest paid quarterly on one year and higher. Penalty for early withdrawal is six month's interest | 3.00% | — |
Sources (2)
- schertzbank.com/personal/consumer-products/deposit-rates
- schertzbank.com/personal/consu…roducts/personal-savings
All captured Oct 6, 2026
Special-purpose accounts
Fixed Rate IRA
Up to 1.76%APY · 5 terms
Substantial penalty for early withdrawal. Rates are subject to change daily at discretion.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month Fixed Rate | 1.26% | $126 |
| 18 months18 Month Fixed Rate | 1.36% | $205 |
| 36 months3 Year Fixed Rate | 1.51% | $460 |
| 48 months4 Year Fixed Rate | 1.61% | $660 |
| 60 months5 Year Fixed Rate | 1.76% | $912 |
Sources (1)
- schertzbank.com/personal/consumer-products/deposit-rates · captured Oct 6, 2026
Variable Rate IRA
Up to 1.61%APY · 5 terms
Rate may change after account is opened. Rates are subject to change daily at discretion. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month Variable Rate. Rate may change after account is opened | 1.15% | $115 |
| 18 months18 Month Variable Rate. Rate may change after account is opened | 1.26% | $190 |
| 36 months3 Year Variable Rate. Rate may change after account is opened | 1.46% | $444 |
| 48 months4 Year Variable Rate. Rate may change after account is opened | 1.51% | $618 |
| 60 months5 Year Variable Rate. Rate may change after account is opened | 1.61% | $831 |
Sources (1)
- schertzbank.com/personal/consumer-products/deposit-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.