Bank · FDIC insured
T Bank CD Rates
T Bank’s best CD rate is 4.52% APY on a 1-year CD. Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How T Bank’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where T Bank has the most branches. $10,000, best rate first.
This bank’s best
T Bank
4.52%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $452
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
T Bank CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 9–15 months9–15 mo4.52%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.20%
- QualifiedQualified4.52%
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 T 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.
Certificate of Deposit
Up to 4.52%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsBranch account with $1,000 minimum deposit | 4.52% | $452 |
| 12 monthsDigital Online account with $25,000 minimum deposit | 4.52% | $452 |
| 24 monthsBranch account with $1,000 minimum deposit | 3.20% | $650 |
| 36 monthsBranch account with $1,000 minimum deposit | 3.20% | $991 |
| 48 monthsBranch account with $1,000 minimum deposit | 3.20% | $1,343 |
| 60 monthsBranch account with $1,000 minimum deposit | 3.20% | $1,706 |
Special-purpose accounts
IRA CD
Up to 3.25%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.10% | $310 |
| 24 months | 3.25% | $661 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
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.