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 61–75 results in Katy, TX
- 3.85%APY
Requirements
Product: Automatically renewing. Penalty for early withdrawals.
Offer: Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Rates offered may change without notice. A penalty may be imposed for early withdrawal.
Offer: Minimum balance to obtain APY is $1,000. Early withdrawal penalty may apply.
Effective Aug 28, 2025
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Withdrawals prior to maturity will incur a penalty. Deposit terms range from 6 months to 36 months.
3.75% interest rate · Effective Feb 1, 2026
Rate checked
More details - Houston Police Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.82%–4.02% by balance
Credit union · 3 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Excludes Traditional, Roth and Roth Conversion Share Certificates. Compounded and credited monthly. Subject to a penalty for early withdrawal prior to maturity.
Offer: Regular type. Subject to a penalty for early withdrawal.
3.75% interest rate · Effective Mar 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.82% $100,000 and upJumbo type. 4.02% Rate checked
More details - Harris County Federal Credit UnionPayroll Deduction CertificateCD · 36 months · $35 min
Credit union · 1 branch
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Funded via payroll deduction ($35.00 – $105.00 per pay period). Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
Effective Oct 6, 2026
Rate checked
More details - 3.82%APY$1,190 over 36 months on $10,000
Requirements
Product: Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
Effective Oct 6, 2026
Rate checked
More details - 3.82%APY$2,062 over 60 months on $10,000
Requirements
Product: Automatically renews at the term selected and the rate at the time of renewal. Additional deposits cannot be made during the term. Penalty for early withdrawal prior to maturity date. Membership eligibility applies (lives or works in Mesquite, Garland, Irving, Cedar Hill, or Dallas County, TX).
Offer: Dividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date.
3.75% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
- Cy-Fair FCUShare CertificateCD · 60 months · $1,000 min · 3.80%–4.00% by balance
Credit union · 4 branches
3.80%APY$2,050 over 60 months on $10,000Requirements
Product: Minimum deposit of $1,000.00 required to open. Dividends post quarterly. Early withdrawal penalties may apply. Relationship pricing bonus rates available up to +0.40% APY for qualifying active checking (+0.10%), direct deposit (+0.10%), open/current installment loan or credit card (+0.10%), and credit union membership of 3+ years (+0.10%).
3.74% interest rate · Effective Aug 7, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $25,000Your amount 3.80% $25,000 – $50,000 3.85% $50,000 – $100,000 3.90% $100,000 – $500,000 3.95% Over $500,000 4.00% Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionStep Up Share CertificatesCD · 36 months · $1,000 min
Credit union · 2 branches
3.76%APY$1,171 over 36 months on $10,000intro rateRequirements
Product: Not available for IRAs. Members who purchase a 3-year, 4-year, or 5-year step up certificate receive a one-time opportunity to increase the dividend rate on their certificate if rates rise during the term.
Promotional rate · 3.70% interest rate · Effective Jul 9, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000intro rate
Requirements
Product: Must deposit or have an existing savings or checking account. Federally insured by NCUA.
Offer: Consumer only.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Shell FCUShare CertificatesCD · 6 months · $500 min · 3.75%–3.90% by balance
Credit union · 8 branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.75% $25,000 and up 3.75% $50,000 and up 3.90% $100,000 and up 3.90% 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 · 33 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 - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 1 branch
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% 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?
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