Compare Bank & Credit Union Rates
Best CD rates in Katy, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 31–45 results in Katy, TX
- Southern FCUCertificates 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 $10,000Requirements
Product: Minimum opening balance is $1,000.00. Early withdrawal penalty may apply. Dividends paid monthly. Interest compounds monthly.
Offer: Under $75,000 in Total Shares
Effective May 8, 2025
Rate by balance
Rate by balance for Certificates 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 - 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 - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: Dividends compound quarterly. Federally insured up to $250,000 by NCUA. Once opened, additional deposits are not permitted until maturity. Early withdrawal subject to penalty. Renews automatically with a 10-day grace period.
Offer: Promotional rate; tier for balance $500
Promotional rate · Effective Sep 14, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 3 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 - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Requires a Savings account to purchase a certificate. Dividends compounded daily and credited monthly. Penalty will or may be imposed for early withdrawal.
4.03% interest rate · Compounded daily · Effective Sep 3, 2026
Rate checked
More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Offer: 180 Days CD
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: An UTMA can be opened using a Certificate of Deposit. Penalty may be imposed for early withdrawal. The APY assumes principal and interest remain on deposit for the term of the certificate.
Offer: CD special. Competitive, fixed rates with automatic renewal. Interest can be paid directly or reinvested; interest credited before maturity may be withdrawn without penalty. Early withdrawals are subject to penalty and will reduce earnings.
Promotional rate · Balance cap $5,000,000 · Effective Sep 18, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 120 months · $500 min
Credit union · 1 branch
4.05%APY$4,874 over 120 months on $10,000Requirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.98% interest rate · Effective Oct 16, 2026
Rate checked
More details - 5Point Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.04%–4.24% by balance
Credit union · 1 branch
4.04%APY$404 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
3.96% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $50,000Your amount 4.04% $50,000 – $99,000Tier 2 4.14% $99,000 and upTier 3 4.24% Rate checked
More details - Investar Bank3-Month Certificate of Deposit SpecialCD · 3 months · $500 min · 3.80%–4.00% by balance
Bank · 1 branch
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Consumer Online Banking Only. Early withdrawal penalty may apply. Interest is compounded monthly and assumes interest remains on deposit. Offer available for a limited time.
Offer: Consumer Online Banking Only. Early withdrawal penalty may apply.
Promotional rate · Compounded monthly · Effective Sep 1, 2026
Rate by balance
Rate by balance for 3-Month Certificate of Deposit Special Balance APY $500 – $245,000Your amount 4.00% $245,000 and up 3.80% Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
3.93% interest rate · Effective Oct 6, 2026
Rate checked
More details - Members Choice Credit UnionPromotional Certificates of DepositCD · 7 months · $500 min
Credit union · 7 branches
4.00%APY$231 over 7 months on $10,000intro rateRequirements
Product: Limited time offer while quantities last. No prior relationship requirement. Not eligible for CD Rate Boost Program. Total promotional certificates may not exceed $500,000 per member. After start, no additional deposits allowed. At maturity, funds transfer to regular 6-month or 12-month regular/jumbo certificate as applicable.
Offer: Renews/transfers at maturity to a regular 6-month certificate.
Promotional rate · 3.93% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Membership required ($5 minimum share). Minimum opening deposit of $500 must be maintained throughout the term. Fixed rate for the term of the certificate. Dividends paid monthly or quarterly. Early withdrawal penalties apply.
Offer: Limited-time offer. Special promotional rate applies to new money only (funds transferred from another financial institution / new to Essential).
3.94% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$366 over 11 months on $10,000intro rate
Requirements
Product: Substantial penalty applies for early withdrawals. Requires $1,000 minimum opening deposit. Special promotional terms require new money (funds not already on deposit at b1BANK).
Offer: Requires new money, funds not already on deposit at b1BANK. Substantial penalty applies for early withdrawal.
Promotional rate · 3.93% interest rate · Effective Aug 21, 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 Katy, 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%
Is your bank paying you enough?
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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
- Cornerstone Capital BankBank · 1 branch