Bank · FDIC insured
Texas Capital Bank CD Rates
Top CarrotTexas Capital Bank’s best CD rate is 4.25% APY on an 18-month CD. Terms run from 1 month to 2 years. Rates checked October 16, 2026.
How Texas Capital Bank’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Texas Capital Bank has the most branches. $10,000, best rate first.
This bank’s best
Texas Capital Bank
4.25%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $644
Star Certificates of Deposit (CDs)
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
Texas Capital Bank CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.25%
- QualifiedQualified4.25%
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 Texas Capital 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.
Star Certificates of Deposit (CDs)
Up to 4.25%APY · 6 terms
Available for personal accounts only. Interest calculated and accrued daily based on daily balance and paid monthly. Fixed rate through maturity. Early withdrawal penalty may apply. Preferred Pricing rate increases may apply based on combined relationship balances. Deposit of $1,000 required within 10 business days of opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month30 Days term. No minimum balance requirement to obtain APY | 1.00% | $8 |
| 3 months90 Days term. No minimum balance requirement to obtain APY | 3.80% | $94 |
| 6 months180 Days term. No minimum balance requirement to obtain APY | 3.80% | $188 |
| 12 months12 Months term. No minimum balance requirement to obtain APY | 4.20% | $420 |
| 18 months18 Months term. No minimum balance requirement to obtain APY | 4.25% | $644 |
| 24 months24 Months term. No minimum balance requirement to obtain APY | 3.60% | $733 |
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.