Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 127 results in Houston, TX metro
- 5.00%APY$500 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Single deposit only (no additional deposits permitted after account opening). NCUA insured up to $250,000.
Offer: Special APY requires Checking account, First Eagle debit card, and monthly deposits of at least $100.00. Funds must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period). Maximum deposit $100,000.
4.89% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
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More details - 4.65%APY$465 over 1 year on $10,000
Requirements
Offer: Branch account with $1,000 minimum deposit
Effective Oct 30, 2026
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More details - 4.65%APY$465 over 1 year on $10,000
Requirements
Product: Minimum balance to open is $1,000. For balances of $1,000 – $250,000.00. A penalty will be imposed for early withdrawal. Account auto-renews at maturity with a 10-day grace period.
Offer: Term of 12 Months.
4.55% interest rate · Balance cap $250,000 · Effective Oct 21, 2026
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More details - 4.45%APY$445 over 1 year on $10,000
Requirements
Product: Must be at least 18 years old, a U.S. citizen or lawful permanent resident with a U.S. physical address and U.S.-based mobile phone number. No minimum deposit required to open or maintain account, but account balance may not exceed $1,000,000. No monthly cycle service charge. Early withdrawal penalty applies (3 months interest for terms 12 months or less; 6 months interest for terms over 12 months).
Offer: For terms 12 months or less, early withdrawal penalty is 3 months of interest. Rate applies to entire account balance.
4.36% interest rate · Balance cap $1,000,000 · Effective Nov 7, 2026
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More details - 4.27%APY$427 over 1 year on $10,000
Requirements
Product: Rates effective as of 10/30/2026. Early withdrawal penalties apply as shown per term. Minimum opening balance applies.
Offer: Penalty for early withdrawal: 3 Months Dividends.
4.18% interest rate · Effective Oct 30, 2026
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More details - PrimeWay Federal Credit UnionWealthBuilder CertificateCD · 12 months · $250 min
Credit union · 7 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: WealthBuilder Certificate. Additional deposits allowed. Early withdrawal penalty of 120 days interest. Automatic renewal with 10-day grace period. At maturity, balances of $1000 or more renew as standard 12-month certificate; balances below $1000 renew as WealthBuilder.
Offer: 12 Month WealthBuilder Certificate
4.17% interest rate
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Dividends paid monthly. Account dividends are earned on the daily balance. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice.
Offer: Dividends paid monthly.
4.17% interest rate · Effective Oct 30, 2026
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More details - Community Resource Credit UnionCertificates of DepositCD · 12 months · $100 min
Credit union · 8 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: CRCU membership required. Penalty for early withdrawal. Fees may reduce earnings. Jumbo rates are no longer offered. You may add on to your certificate at any time during the term not to exceed $10,000.00 (does not apply to IRA and HSA Certificates). Non-transferable and non-negotiable.
4.16% interest rate · Effective Sep 30, 2026
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More details - Members Trust Federal Credit UnionCertificate AccountsCD · 12 months · $1,000 min · 4.23%–4.44% by balance
Credit union · 1 branch
4.23%APY$423 over 1 year on $10,000Requirements
Product: Share certificates require just $1,000 to open with terms from 6 months (182 days) up to 7 years. If you need to withdraw the money sooner than expected, you won’t lose any of the principal that you invested.
Offer: 1 Year; Min. $1,000 tier
4.15% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 and upYour amount 4.23% $25,000 and upMini-Jumbo tier (Min. $25,000) 4.33% $90,000 and upJumbo tier (Min. $90,000) 4.44% Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: 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.
Offer: 12 Months term. No minimum balance requirement to obtain APY.
4.11% interest rate · Effective Oct 30, 2026
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More details - Houston Federal Credit UnionFlexible-Term CertificateCD · 12–17 months · $500 min
Credit union · 10 branches
4.15%APYRequirements
Product: Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
4.09% interest rate · Effective Nov 3, 2026
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More details - Southern FCUCertificate of DepositCD · 12 months · $1,000 min · 4.15%–4.25% by balance
Credit union · 1 branch
4.15%APY$415 over 1 year on $10,000with conditionsRequirements
Product: Minimum opening balance is $1,000.00. Early withdrawal penalty may apply. Dividends paid monthly. Automatically renewable.
Offer: Under $75,000 in Total Shares
Qualified rate · Effective May 8, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $75,000Your amount 4.15% $75,000 and upOver $75,000 in Total Shares - Platinum Bump Up 4.25% Rate checked
More details - 5Point Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.14%–4.34% by balance
Credit union · 3 branches
4.14%APY$414 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.
Offer: Tier 1
4.06% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $50,000Your amount 4.14% $50,000 – $99,000Tier 2 4.24% $99,000 and upTier 3 4.34% Rate checked
More details - USE Credit UnionCertificate of Deposit New Money OfferCD · 12 months · $10,000 min
Credit union · 1 branch
4.10%APY$410 over 1 year on $10,000intro rateRequirements
Product: New Money only (money not from another USECU account; transfers between USECU accounts do not qualify). New members must be eligible for USE Credit Union membership and open a share savings account with a $25 minimum deposit. Membership required and subject to approval. Early withdrawal penalty may apply. Automatically renews at maturity at the rate in effect at that time. 10-day grace period after maturity. Additional deposits not allowed after starting account. Limited time offer.
Offer: 360 Day CD. New Money only.
Promotional rate
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More details - 4.08%APY$408 over 1 year on $10,000
Requirements
Product: Regular Share Savings Account required for all CCCU accounts. NCUA insured. Penalty for early withdrawal may apply.
4.00% interest rate
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay in Houston, TX metro
128 CDs at 102 banks and credit unions · checked Oct 30–Nov 7
- Typical
- 3.50%
- Top 10% from
- 4.11%
- Banks, typical
- 2.14%
- Credit unions, typical
- 3.60%
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Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Lubrizol Employees' Credit UnionCredit union · 1 branch