Compare Bank & Credit Union Rates
Best CD rates in Irving, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Irving, TX
- 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
Rate checked
More details - 4.40%APY$553 over 15 months on $10,000intro rate
Requirements
Product: Membership required. Must maintain a primary share account with a $5 balance. 50% of the balance must be new money deposited to the credit union within the last 30 days.
Offer: 50% of the balance must be new money deposited to the credit union within the last 30 days. At maturity, renews at the current 1-year term and rate.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - Mobility Credit UnionLimited Time 15-Month Certificate SpecialCD · 15 months · $5,000 min
Credit union · 1 branch
4.30%APY$540 over 15 months on $10,000intro rateRequirements
Product: Minimum deposit of $5,000. Early withdrawal penalty may apply. Minimum balance of $100.00 required to earn dividends.
Promotional rate · 4.23% interest rate · Effective Sep 24, 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
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 3 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 - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - Mobility Credit UnionLimited Time New Money 6-Month Certificate SpecialCD · 6 months · $500 min
Credit union · 1 branch
4.10%APY$203 over 6 months on $10,000intro rateRequirements
Product: New money only. Early withdrawal penalty may apply. Minimum balance of $100.00 required to earn dividends.
Offer: New money only.
Promotional rate · 4.02% interest rate · Effective Sep 17, 2026
Rate checked
More details - 4.10%APY$1,281 over 36 months on $10,000
Requirements
Product: Early withdrawal penalties apply. Earnings can be added to CD or paid directly. FDIC insured.
4.04% interest rate · Effective Jul 2, 2026
Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 1 branch
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
Rate checked
More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
Rate checked
More details - 4.03%APY$403 over 1 year on $10,000
Requirements
Product: Minimum opening balance of $500 for lowest tier. Minimum deposit requirements range from $500 to $250,000 depending upon the rate tier. Terms of 3, 6, 9, 12, 18, 24, 36, 48 and 60 months available; call for rates on terms longer than 24 months. Early withdrawal penalty may apply. Minimum balance of $100.00 required to earn dividends.
3.95% interest rate · Effective Sep 17, 2026
Rate checked
More details - Texas Trust Credit UnionTerm Share Flex CertificateCD · 12 months · $5,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: One of the following options may be used one time during term: bump up rate when rates increase (requires adding min 10% of original CD balance), add money to existing CD (min $500), or withdraw up to 25% of balance without penalty maintaining minimum balance.
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
Rate checked
More details - 3.95%APY$395 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Must maintain a primary share account with a $5 balance. Deposits are not permitted during term of certificate.
3.88% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.87%APY$387 over 1 year on $10,000intro rate
Requirements
Product: Minimum deposit amount of $5,000.00. Only one rate increase is allowed for the term of the CD. Rate climber feature does not apply to existing certificates. Early withdrawal penalty may apply. Minimum balance of $100.00 required to earn dividends.
Offer: Only one rate increase is allowed for the term of the CD.
Promotional rate · 3.80% interest rate · Effective Sep 17, 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 Irving, TX
268 CDs at 20 banks and credit unions · checked Oct 16–22
- Typical
- 2.85%
- Top 10% from
- 3.98%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.60%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Dallas, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Prestige Community CUCredit union · 2 branches
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 2 branches