Compare Bank & Credit Union Rates
Best CD rates in Houston, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Houston, TX
- 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must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period).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
Rate checked
More details - 4.91%APY$1,546 over 36 months on $10,000
Requirements
Product: Minimum balance to open is $1,000. For balances of $1,000 – $249,999.99. A penalty will be imposed for early withdrawal. Account auto-renews at maturity with a 10-day grace period.
Offer: Term of 36 Months.
4.80% interest rate · Balance cap $249,999.99 · Effective Aug 3, 2026
Rate checked
More details - Advancial Federal Credit UnionSavings CertificatesCD · 60 months · $1,000 min · 4.66%–4.87% by balance
Credit union · 3 branches
4.66%APY$2,558 over 60 months on $10,000Requirements
Product: Advancial membership required ($5 minimum membership share deposit). Subject to early withdrawal penalties.
4.56% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Savings Certificates Balance APY $1,000 and upYour amount 4.66% $25,000 and upJunior Jumbo tier 4.76% $50,000 and upJumbo tier 4.87% Rate checked
More details - 4.52%APY$452 over 1 year on $10,000
Requirements
Offer: Branch account with $1,000 minimum deposit
Effective Oct 6, 2026
Rate checked
More details - 4.50%APY$412 over 11 months on $10,000
Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - Community Resource Credit UnionCertificates of DepositCD · 18 months · $100 min
Credit union · 1 branch
4.50%APY$683 over 18 months 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.
4.40% interest rate · Effective Sep 30, 2026
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More details - First Community Credit UnionRegular Certificate of DepositCD · 36 months · $500 min
Credit union · 8 branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate checked
More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Subject to membership eligibility. Dividends compound monthly. Early withdrawal penalties apply (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Minimum deposit required is $1,000.
Offer: Early withdrawal penalty: 120 days’ dividends.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
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More details - Members Trust Federal Credit UnionCertificate AccountsCD · 36 months · $1,000 min · 4.39%–4.59% by balance
Credit union · 1 branch
4.39%APY$1,376 over 36 months 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: 3 Years; Min. $1,000 tier
4.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 and upYour amount 4.39% $25,000 and upMini-Jumbo tier (Min. $25,000) 4.49% $90,000 and upJumbo tier (Min. $90,000) 4.59% Rate checked
More details - 4.35%APY$547 over 15 months on $10,000intro rate
Requirements
Product: Interest compounds daily and is paid monthly (added back to certificate or deposited to an account). Substantial penalty for early withdrawal. Minimum deposit to open CD is $10,000.
Offer: Special
Promotional rate · 4.26% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.35%APY$1,363 over 36 months on $10,000
Requirements
Product: Subject to membership eligibility. Lets you boost your rate one time if term rates go up at any point during your certificate's term. Early withdrawal penalties apply. Minimum deposit required is $1,000.
Offer: Allows a one-time rate bump if rates rise during term. Early withdrawal penalties apply.
4.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
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
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More details - PrimeWay Federal Credit UnionWealthBuilder CertificateCD · 12 months · $250 min
Credit union · 4 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Additional deposits allowed. Early withdrawal penalty of 120 days interest. At maturity, certificates with balances of $1,000 or more will renew as a standard 12-month certificate; balances under $1,000 renew as WealthBuilder certificates. Cannot be pledged as security for a loan.
Offer: Effective date 10/05/2026
4.17% interest rate
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 Houston, TX
806 CDs at 88 banks and credit unions · checked Oct 9–22
- Typical
- 3.25%
- Top 10% from
- 4.05%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.60%
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Find your bank or credit union to see all its rates and how they compare near you.
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
- Cornerstone Capital BankBank · 1 branch