Compare Bank & Credit Union Rates
Best CD rates in Plano, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Plano, 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 - 4.25%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 This is a limited time offer and may be withdrawn at any time without notice.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
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 5 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 - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
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More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Available for personal accounts only. Interest calculated and accrued daily based on daily balance and paid monthly. Fixed rate through maturity. Early withdrawal penalty may apply. Preferred Pricing rate increases may apply based on combined relationship balances. Deposit of $1,000 required within 10 business days of opening.
Offer: 18 Months term. No minimum balance requirement to obtain APY.
4.16% interest rate · Effective Oct 2, 2026
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More details - 4.25%APY$1,330 over 36 months on $10,000
Requirements
Product: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Offer: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
4.17% interest rate · Compounded monthly · Effective Oct 13, 2026
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More details - 4.15%APY$380 over 11 months on $10,000
Requirements
Offer: 11-Month Certificate Special. Available as a Consumer or Business CD. Not available as an IRA Certificate. Must be opened with at least $5,000 in funds.
4.07% interest rate · Effective Oct 13, 2026
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More details - 4.10%APY$101 over 3 months on $10,000with conditions
Requirements
Product: High-Yield Rewards Checking Account required.
Offer: High-Yield Rewards Checking Account required.
Qualified rate · 4.02% interest rate · Effective Oct 13, 2026
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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
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More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 4.01% interest rate · Effective Oct 14, 2026
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More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 2026
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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
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More details - 4.09%APY$409 over 1 year on $10,000
Requirements
Product: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Offer: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
4.02% interest rate · Compounded monthly · Effective Oct 13, 2026
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More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Offer: 180 Days CD
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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 Plano, TX
365 CDs at 27 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.55%
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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