Compare Bank & Credit Union Rates
Best CD rates in Beaumont, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Beaumont, TX
- Education First Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · 4 branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Dividends are compounded monthly. A penalty may be assessed for early withdrawal before maturity.
3.50% interest rate · Compounded monthly
Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 1 branch
3.50%APY$203 over 7 months on $10,000intro rateRequirements
Product: Promotional CD. Automatically renews into a 6-month CD at maturity.
Offer: Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply.
Promotional rate · 3.21% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 7 Month Fixed Rate CD Balance APY $500 – $10,000 3.25% $10,000 – $50,000Your amount 3.50% $50,000 – $100,000Promotional CD offer; visit branch to open. 4.00% $100,000 and up 4.20% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 1 branch
3.25%APY$353 over 13 months on $10,000Requirements
Product: 13-month CDs will automatically renew into a 12-month CD.
Offer: Automatically renews into a 12-month CD at maturity. Early withdrawal penalties apply.
3.21% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 13 Month Fixed Rate CD Balance APY $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.75% $100,000 and up 4.00% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - First National Bank Texas1 Year (12 Month) Fixed Rate CDCD · 12 months · $500 min · 2.25%–2.75% by balance
Bank · 1 branch
2.25%APY$225 over 1 year on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
2.23% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 1 Year (12 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 2.25% $50,000 and up 2.75% Rate checked
More details - 2.00%APY$150 over 9 months on $10,000
Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.99% interest rate · Effective Oct 1, 2026
Rate checked
More details - First National Bank Texas6 Month Fixed Rate CDCD · 6 months · $500 min · 1.85%–2.00% by balance
Bank · 1 branch
1.85%APY$92 over 6 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.84% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 6 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 1.85% $50,000 and up 2.00% Rate checked
More details - First National Bank Texas2 Year (24 Month) Fixed Rate CDCD · 24 months · $500 min · 1.81%–2.02% by balance
Bank · 1 branch
1.81%APY$365 over 24 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 2 Year (24 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 1.81% $50,000 and up 2.02% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 2 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - First National Bank Texas5 Year (60 Month) Fixed Rate CDCD · 60 months · $500 min · 1.66%–1.76% by balance
Bank · 1 branch
1.66%APY$858 over 60 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.65% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 5 Year (60 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 1.66% $50,000 and up 1.76% Rate checked
More details - First National Bank Texas12 Month Variable Rate CDCD · 12 months · $500 min · 0.35%–0.40% by balance
Bank · 1 branch
0.35%APY$35 over 1 year on $10,000Requirements
Product: The rate shown applies to all existing and renewing Variable Rate CDs (6 months through 18 months). Add-on feature: You may add to this CD at any time. $25 minimum add-on deposit.
Offer: Rate subject to change at any time without notice after opening. Applies to existing and renewing Variable Rate CDs (6-18 months). Add-on deposit min $25. Early withdrawal penalties apply.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 12 Month Variable Rate CD Balance APY $500 – $50,000Your amount 0.35% $50,000 and up 0.40% Rate checked
More details - First National Bank Texas3 Month Fixed Rate CDCD · 3 months · $500 min · 0.25%–0.30% by balance
Bank · 1 branch
0.25%APY$6 over 3 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited at maturity.
0.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 3 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 0.25% $50,000 and up 0.30% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
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 CDs pay in Beaumont, TX
219 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 3.84%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.51%
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Beaumont, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Eastex Credit UnionCredit union · 2 branches
- Neches Federal Credit UnionCredit union · 11 branches
- Synergy Federal Credit UnionCredit union · 1 branch