Compare Bank & Credit Union Rates
Best CD rates in Round Rock, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Round Rock, TX
- 4.50%APY$683 over 18 months on $10,000intro rate
Requirements
Product: Must be a TruWest member with a minimum $5 deposit and continuing balance. Minimum certificate balance of $500.
Offer: Limited-time special offer valid as of 7/27/26; subject to change or end at any time without notice. Not available for IRA Savings Certificates. Available only with new money (funds not currently on deposit with TruWest Credit Union and transferred from an account at another financial institution at the time the certificate is opened). Automatic renewal to standard 12-month savings certificate.
Promotional rate · 4.40% interest rate · Effective Sep 23, 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 · 3 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 - United Heritage Credit UnionPromotional CertificateCD · 11 months · $1,000 min
Credit union · 1 branch
4.24%APY$388 over 11 months on $10,000intro rateRequirements
Product: Membership required. New money only; funds currently on deposit at UHCU are not eligible. Available through October 31, 2026. No monthly maintenance or administrative fees. Early withdrawal penalty may apply. Automatically renews at maturity into a standard 12-month Certificate at then-current rate.
Offer: Promotional rate. Minimum principal balance must be maintained throughout term to earn advertised APY. Dividends paid quarterly.
Promotional rate
Rate checked
More details - Austin Telco Federal Credit UnionShare CertificateCD · 60 months · $1,000 min · 4.22%–4.42% by balance
Credit union · 2 branches
4.22%APY$2,296 over 60 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Funds must remain on deposit for the term of the certificate or penalties apply: terms of 12 months or less - 90 days dividends; terms of over 12 months - 180 days dividends. Minimum balance requirements: $1,000 for regular certificates, $95,000 for Jumbo, and $225,000 for Super Jumbo.
4.15% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $94,999Your amount 4.22% $95,000 – $224,999 4.32% $225,000 and up 4.42% 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: Penalty for early withdrawal. Fixed rates higher than regular savings.
Offer: Limited time offer. Upon maturity, the 13 month certificate rate and term will rollover to the published 12-month certificate of deposit rate and terms at the time of rollover.
Promotional rate · 4.04% interest rate · Effective Oct 15, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
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
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More details - A+ Federal Credit UnionNew Money Advantage Share CertificatesCD · 19 months · $1,000 min
Credit union · 2 branches
4.05%APY$649 over 19 months on $10,000intro rateRequirements
Product: Money must be new to A+FCU. $1,000,000 maximum balance allowed across all New Money Advantage Certificates. Cannot use PlusPoints for New Money Advantage Share Certificates. Membership required. Insured by NCUA. New members must open a Membership Savings Account with $2 minimum opening deposit. Penalty may be assessed for early withdrawal.
Offer: Money must be new to A+FCU. Maximum $1,000,000 across all New Money Advantage Certificates. At maturity, automatically renews for an 18-month term.
Promotional rate · Balance cap $1,000,000 · Effective Oct 15, 2026
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More details - Farmers Insurance Federal Credit UnionLimited Time 3-Month and 6-Month Share CertificatesCD · 3 months · $1,000 min
Credit union · 1 branch
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Limited time promotion. $1,000 minimum balance. Calculated on a 3.93% base rate. IRA share certificates do not qualify. May not be combined with Direct Deposit Bonus or Jumbo Certificate rates. Substantial penalty for early withdrawal.
Offer: Promotional rate calculated on 3.93% base rate. IRA share certificates do not qualify. Automatically rolls over to 3-Month Certificate at maturity.
Promotional rate · 3.93% interest rate
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 - Farmers Insurance Federal Credit UnionNo Penalty 9-Month CertificateCD · 9 months · $1,000 min
Credit union · 1 branch
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Promotional yield of 4.00% APY calculated on a 3.93% base rate. $1,000 minimum deposit/balance. Deposit must be new funds to the Credit Union. IRA share certificates do not qualify. Penalty for early withdrawal is waived except: no withdrawals within the first 30/60 days, and one withdrawal allowed per calendar month after initial period.
Offer: New funds to Credit Union only. IRA share certificates do not qualify. One withdrawal allowed per calendar month after initial period without penalty.
Promotional rate · 3.93% interest rate
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - Amplify Credit UnionPersonal Certificate of Deposit (CD)CD · 12 months · $500 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Minimum deposit and balance of $500 required to obtain advertised APY. Funds may be added to CDs with terms of 12 months or less; terms above 12 months lock in the deposit amount. Deposit products are fee-free.
Offer: Minimum balance of $500 required to obtain advertised APY. Funds may be added during term.
3.94% interest rate · Effective Oct 6, 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 Round Rock, TX
289 CDs at 22 banks and credit unions · checked Oct 16–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 1.14%
- Credit unions, typical
- 3.75%
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Austin, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 2 branches
- Government Employees FCUCredit union · 6 branches
- Cornerstone Capital BankBank · 1 branch