Bank · FDIC insured
Southside Bank CD Rates
Southside Bank’s best CD rate is 3.80% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Southside Bank’s CD rates compare
Compared with banks and credit unions near Tyler, TX, where Southside Bank has the most branches. $10,000, best rate first.
This bank’s best
Southside Bank
3.34%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $505
Certificates of Deposit
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
Southside Bank CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo2.52%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo3.34%
- 31–60 months31–60 mo3.03%
- QualifiedQualified3.34%
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 Southside 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 3.34%APY · 7 terms
A penalty may be imposed for early withdrawal prior to maturity. Minimum deposit to open and minimum balance required to obtain disclosed APY vary by balance tier.
| Term | APY · $1,000 – $99,999 | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 monthMust maintain a minimum balance of $100,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | — | 0.50% | —0.50% from $100k | — |
| 3 monthsMust maintain a minimum balance of $100,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | — | 3.03% | —3.03% from $100k | — |
| 6 monthsCertificates of Deposit Special. Limited-time CD special. Must maintain a minimum balance of $50,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | 3.60% | — | —3.60% from $50k | — |
| 6 monthsMust maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | 2.52% | — | — | 2.52% | $125 |
| 6 monthsMust maintain a minimum balance of $100,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | — | 3.65% | —3.65% from $100k | — |
| 12 monthsCertificates of Deposit Special. Limited-time CD special. Must maintain a minimum balance of $50,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | 3.75% | — | —3.75% from $50k | — |
| 12 monthsMust maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | 3.03% | — | — | 3.03% | $303 |
| 12 monthsMust maintain a minimum balance of $100,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | — | 3.80% | —3.80% from $100k | — |
| 18 monthsCertificates of Deposit Special. Limited-time CD special. Must maintain a minimum balance of $50,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | 3.50% | — | —3.50% from $50k | — |
| 18 monthsMust maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | 3.34% | — | — | 3.34% | $505 |
| 18 monthsMust maintain a minimum balance of $100,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | — | 3.55% | —3.55% from $100k | — |
| 24 monthsCertificates of Deposit Special. Limited-time CD special. Must maintain a minimum balance of $50,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | 3.44% | — | —3.44% from $50k | — |
| 24 monthsMust maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | 3.03% | — | — | 3.03% | $615 |
| 24 monthsMust maintain a minimum balance of $100,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | — | 3.49% | —3.49% from $100k | — |
| 60 monthsMust maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | 3.03% | — | — | 3.03% | $1,610 |
| 60 monthsMust maintain a minimum balance of $100,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | — | — | 3.24% | —3.24% from $100k | — |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account
Up to 3.86%APY · 3 terms
IRAs may only be opened for terms of 1 year or more. A penalty may be imposed for early withdrawal. $1,000 minimum deposit to open. Available for Traditional, Roth, and SEP IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIRAs may only be opened for terms of 1 year or more. Must maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | 3.86% | $386 |
| 24 monthsIRAs may only be opened for terms of 1 year or more. Must maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | 3.55% | $723 |
| 60 monthsIRAs may only be opened for terms of 1 year or more. Must maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal | 3.29% | $1,757 |
Sources (2)
All 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.