Compare Bank & Credit Union Rates
Best CD rates in El Paso, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in El Paso, TX
- 4.44%APY$444 over 1 year on $10,000
Requirements
Product: No maintenance fees. Add-on deposits permitted anytime throughout its lifetime, with minimum add-on deposits as low as $10. Early withdrawal penalty may apply.
Offer: Twelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity.
4.35% interest rate · Compounded monthly · Effective Sep 17, 2026
Rate checked
More details - 4.44%APY$444 over 1 year on $10,000
Requirements
Product: Credit Builder certificate accounts offer the option of requesting a loan in which the proceeds of the loan are deposited to this certificate account. This product allows unlimited deposits of any amount. The funds remain on deposit while payments are made to the loan. Timely payments to the loan may be used to help build your credit score. At maturity, the certificate account will automatically renew to a fixed-rate 12-month certificate account. Dividends may only be withdrawn during the grace period prior to renewal. Withdrawals are not allowed until maturity. Membership eligibility is required; $10 share account deposit required. All loans subject to approval.
Offer: Monthly Crediting. 12-month Credit Builder. Average daily balance requirement of $500.
4.35% interest rate · Effective Oct 14, 2026
Rate checked
More details - GECUPersonal Certificate Accounts (Fixed rate)CD · 12 months · $50 min · 4.44%–4.54% by balance
Credit union · 19 branches
4.44%APY$444 over 1 year on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of October 14, 2026. Early-withdrawal penalties apply.
Offer: Monthly Crediting. Average daily balance requirement of $50.
4.35% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Certificate Accounts (Fixed rate) Balance APY $50 and upYour amount 4.44% $50,000 and up12-month Jumbo. 4.54% Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 6 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - GECUPersonal Smart-Step Certificate Accounts (Variable rate)CD · 24 months · $2,500 min · 4.18%–4.28% by balance
Credit union · 19 branches
4.18%APY$853 over 24 months on $10,000Requirements
Product: Variable rate. Smart-Step certificate accounts offer an option to increase the dividends during each term to current rate in effect upon written request. 24-month term offers one option to increase the dividend rate during each 24-month term. Membership eligibility is required; $10 share account deposit required.
Offer: Monthly Crediting. Average daily balance requirement of $2,500. One option to increase dividend rate during 24-month term.
4.10% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Smart-Step Certificate Accounts (Variable rate) Balance APY $2,500 and upYour amount 4.18% $50,000 and up24-month Jumbo. 4.28% Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 4 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - evolve Federal Credit UnionBoost Term Share CertificateCD · 12 months · $500 min
Credit union · 3 branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply (1 year or less: 90 days' interest, 2 year: 180 days' interest, 3 year: 270 days' interest, 4 year: 360 days' interest, 5 year: 450 days' interest). Platinum and Diamond Elite accounts qualify for a rate boost.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - FirstLight Federal Credit UnionShare CertificateCD · 24 months · $500 min · 4.05%–4.15% by balance
Credit union · 4 branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.
3.98% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $24,999Your amount 4.05% $25,000 – $99,999 4.09% $100,000 and upLimited-time promotion on a 2-year share certificate with a $100,000 minimum deposit. 4.15% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.90%APY$2,108 over 60 months on $10,000
Requirements
Product: Dividends compound monthly. Penalty for early withdrawal of principal. Must maintain minimum daily balance to earn disclosed APY. 36-Month Bump certificate allows a one-time rate increase if rates rise during the term and additional deposit at that time.
3.83% interest rate · Effective Sep 23, 2026
Rate checked
More details - evolve Federal Credit UnionBoost Advantage CD SaverCD · 12 months · $50 min
Credit union · 3 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Unlimited deposits are allowed into the CD saver. Earnings are paid on a quarterly basis. Withdrawals are not allowed.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Term Share Certificates are time deposits available from 6 months to 3 years. Minimum deposit of $1,000.00 or $2,500.00 required. Early withdrawal penalties apply.
Offer: Dividends paid quarterly.
3.75% interest rate · Effective Dec 1, 2025
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance
Bank · 16 branches
3.75%APY$248 over 8 months on $10,000intro rateRequirements
Product: Promotions are for a limited time only. 8-month CDs will automatically renew into a 6-month CD.
Offer: Promotional CD offer. Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply. Interest compounded and credited quarterly.
Promotional rate · 3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 8 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 3.75% $50,000 – $100,000 4.25% $100,000 and up 4.25% 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 El Paso, TX
225 CDs at 14 banks and credit unions · checked Oct 16–22
- Typical
- 2.53%
- Top 10% from
- 3.88%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.58%
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El Paso, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Navy Federal Credit UnionCredit union · 4 branches
- evolve Federal Credit UnionCredit union · 3 branches