Bank · FDIC insured
Texas Gulf Bank CD Rates
Texas Gulf Bank’s best CD rate is 3.56% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Texas Gulf Bank’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Texas Gulf Bank has the most branches. $10,000, best rate first.
This bank’s best
Texas Gulf Bank
3.56%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $356
Certificates of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Texas Gulf Bank CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo2.84%
- QualifiedQualified3.56%
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 Gulf 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 3.56%APY · 9 terms
Fixed-rate certificates of deposit. Compounded and credited monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month30 Days term | 1.36% | $11 |
| 3 months90 Days term | 1.92% | $48 |
| 6 months180 Days term | 3.35% | $166 |
| 12 months1 Year term | 3.56% | $356 |
| 18 months18 Months term | 3.40% | $514 |
| 24 months2 Years term | 3.30% | $671 |
| 36 months3 Years term | 2.84% | $876 |
| 48 months4 Years term | 2.84% | $1,185 |
| 60 months5 Years term | 2.84% | $1,503 |
Special-purpose accounts
Individual Retirement Accounts — Fixed Rate
Up to 3.55%APY · 6 terms
Fixed-rate IRA certificate of deposit. Compounded and credited quarterly. Early withdrawal penalties and IRS penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year term | 3.55% | $355 |
| 18 months18 Month term | 3.39% | $513 |
| 24 months2 Years term | 3.29% | $669 |
| 36 months3 Years term | 2.83% | $873 |
| 48 months4 Years term | 2.83% | $1,181 |
| 60 months5 Years term | 2.83% | $1,497 |
Individual Retirement Accounts — Variable Rate
3.39%APY · 1 term
Variable-rate IRA time deposit / certificate. Rates may change after opening. Compounded and credited quarterly. Additions permitted in minimum amount of $50.00. Early withdrawal penalties and IRS penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Month term; variable interest rate may change after account opening. Additional deposits permitted in minimum amount of $50 | 3.39% | $513 |
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.