Compare Bank & Credit Union Rates
Best CD rates in Richardson, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Richardson, TX
- Advancial Federal Credit UnionSavings CertificatesCD · 60 months · $1,000 min · 4.66%–4.87% by balance
Credit union · 1 branch
4.66%APY$2,558 over 60 months on $10,000Requirements
Product: Advancial membership required ($5 minimum membership share deposit). Subject to early withdrawal penalties.
4.56% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Savings Certificates Balance APY $1,000 and upYour amount 4.66% $25,000 and upJunior Jumbo tier 4.76% $50,000 and upJumbo tier 4.87% Rate checked
More details - 4.40%APY$553 over 15 months on $10,000intro rate
Requirements
Product: Limited-time special. Must be opened with new funds (from an outside source) not currently on deposit with Neighborhood Credit Union nor withdrawn within the last 14 days of promotional start date. Not offered on IRAs. At maturity, converts and renews as a standard 12-Month CD. Early withdrawal penalty applies.
Offer: Fixed rate for 15-month term. Requires $10,000 minimum opening deposit of new money. Interest compounded daily.
Promotional rate · 4.31% interest rate · Compounded daily · Effective Sep 16, 2026
Rate checked
More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
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 · 2 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
Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Additional deposits are not allowed during the certificate term. Interest is compounded daily. Early withdrawal penalty applies.
Offer: 60 months term. Interest compounded daily. Additional deposits not allowed.
4.16% interest rate · Compounded daily · Effective Sep 23, 2026
Rate checked
More details - 4.15%APY$593 over 17 months on $10,000
Requirements
Product: Online-only certificate; must be opened online and eligible only to those 18 years of age or older. Additional deposits allowed during the term ($25 minimum). Early withdrawal penalty applies.
Offer: Fixed interest rate. Additional deposits of $25 minimum allowed during term. Early withdrawal penalty is 180 days' interest.
4.07% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.15%APY$1,070 over 30 months on $10,000with conditions
Requirements
Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.
Qualified rate · 4.07% interest rate
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$873 over 25 months on $10,000intro rate
Requirements
Product: Must be 18 years of age or older. Only one rate increase allowed during 25-month term to match the Standard 18-Month CD rate upon member request via secure communication. At end of term, converts and renews as a standard 18-Month CD. Not offered on trusts, business accounts, or IRAs. Early withdrawal penalty applies.
Offer: Interest compounded daily. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Compounded daily · Effective Sep 23, 2026
Rate checked
More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Offer: 180 Days CD
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Must be opened online and eligible only to those 18 years of age or older. Additional deposits allowed during the term ($25 minimum). Early withdrawal penalty applies.
Offer: Fixed interest rate. Additional deposits allowed with $25 minimum.
3.92% interest rate · Effective Sep 23, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Start saving with a minimum opening deposit of $1,000. Interest compounded daily and paid at maturity. Renews automatically with a 7-day grace period. Penalty for early withdrawal.
3.69% interest rate · Compounded daily · Effective Jan 1, 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 Richardson, TX
255 CDs at 16 banks and credit unions · checked Oct 6–22
- Typical
- 1.81%
- Top 10% from
- 4.00%
- 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