Compare Bank & Credit Union Rates
Best CD rates in Lubbock, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Lubbock, TX
- 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 · 1 branch
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 - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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More details - 4.25%APY$644 over 18 months on $10,000with conditions
Requirements
Product: Available for a limited time to new customers within Capra Bank market area (Dubuque, Lubbock, Albuquerque, Boise). Limited to one CD special per household/SSN. Must have or open and maintain an active Elevate or Summit checking account. New customers are individuals without a past relationship with Capra Bank in the past 12 months. Allows one rate increase request during the term if Capra Bank's offered rate for the 18-month CD increases after the first 6 months from opening date.
Offer: Valid for new customers with new money (funds not previously held by Capra Bank within past 12 months) of $10,000.00 to $1,000,000.00. Requires opening and maintaining an Elevate or Summit checking account. Early withdrawal penalty equal to 2.25% of principal balance if closed prior to maturity.
Qualified rate · Balance cap $1,000,000 · Effective Jul 1, 2026
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More details - 4.25%APY$868 over 24 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.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.25%APY$1,330 over 36 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.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.25%APY$2,313 over 60 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.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.20%APY$637 over 18 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.
4.12% interest rate · Effective Oct 6, 2026
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More details - 4.15%APY$415 over 1 year 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.
4.07% interest rate · Effective Oct 6, 2026
Rate checked
More details - Complex Community Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 4.13%–4.24% by balance
Credit union · 2 branches
4.13%APY$413 over 1 year on $10,000Requirements
Product: Minimum deposit $500, Jumbo $90,000. A 90 day dividends penalty will be imposed for early principal withdrawal. Rate subject to change without notice.
Offer: Members Advantage. A 90 day dividends penalty will be imposed for early principal withdrawal.
4.05% interest rate · Effective Jan 1, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.13% $90,000 and upJumbo. 4.24% Rate checked
More details - Santa Fe Federal Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · 1 branch
4.07%APY$617 over 18 months on $10,0004.00% interest rate · Effective Sep 29, 2026
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More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.
Effective Oct 2, 2026
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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 - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Fixed rate. Rates subject to change based on account balance criteria. Fees may reduce earnings. A penalty may be assessed for early withdrawal.
Effective Sep 14, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Credit Union membership is required. Minimum deposit of $1,000 to open. Minimum $1,000 balance needed to earn APY. Early withdrawal penalties apply. ALLIANCE Stars & Preferred Partners receive a 0.30% APR bump on standard rates.
3.92% interest rate · Effective Oct 9, 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 Lubbock, TX
221 CDs at 17 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.61%
Is your bank paying you enough?
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Lubbock, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cornerstone Capital BankBank · 7 branches
- Complex Community Federal Credit UnionCredit union · 2 branches
- UMB BankBank · 7 branches