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 16–30 results in Round Rock, TX
- 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.
Effective Oct 15, 2026
Rate checked
More details - Farmers Insurance Federal Credit UnionShare Certificate AccountsCD · 60 months · $1,000 min
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Early withdrawal subject to substantial penalty. Extra Direct Deposit (DDEP) bonus of 0.25% available for regular terms 36 months and longer with $1,000+ monthly direct deposit into FIGFCU Checking.
Offer: Requires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account.
Qualified rate · Effective Oct 1, 2024
Rate checked
More details - United Heritage Credit UnionCertificate of Deposit (CD)CD · 12 months · $1,000 min
Credit union · 1 branch
3.91%APY$391 over 1 year on $10,000Requirements
Product: Membership/Regular Savings account required. No monthly fee, service charge, or administration fees. Early withdrawal subject to penalty/loss of dividends.
Offer: Dividends paid and compounded quarterly.
3.85% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate checked
More details - Susser BankCertificates of Deposit (CD)CD · 6 months · $1,000 min · 3.80%–3.90% by balance
Bank · 1 branch
3.90%APY$193 over 6 months on $10,000Requirements
Product: CD APY assumes principal and interest remain on deposit until maturity. Periodic payout of interest is required (interest earned paid via direct deposit). Penalty for early withdrawal. Rates subject to change without notice.
Offer: Rate for balances ≤ $250,000. APY cannot remain on CD; periodic payout of interest is required.
3.83% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY Up to $250,000Your amount 3.90% $250,000 and upReduced rate applies. 3.80% Rate checked
More details - 3.85%APY$385 over 1 year on $10,000
Requirements
Product: Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
Offer: Term is 1 year (12 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply.
Effective Oct 1, 2026
Rate checked
More details - RBFCUSuperSaver CertificateCD · 18 months · $1,000 min · 3.75%–3.91% by balance
Credit union · 1 branch
3.79%APY$574 over 18 months on $10,000Requirements
Product: Available for consumer accounts and does not apply to business accounts. Membership eligibility required. Minimum initial deposit and minimum balance is $1,000. $0 monthly service fee. Early withdrawal penalty applies (60 days).
Offer: Assumes dividends are added back to the certificate.
3.69% interest rate
Rate by balance
Rate by balance for SuperSaver Certificate Balance APY $1,000 – $5,000 3.75% $5,000 – $20,000Your amount 3.79% $20,000 – $75,000 3.86% $75,000 and up 3.91% Rate checked
More details - 3.75%APY
Requirements
Product: Membership eligibility required. Minimum initial deposit and minimum balance is $1,000. Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate. Early withdrawal penalties apply.
Offer: Assumes dividends are added back to the certificate. Early withdrawal penalty: 30 days.
3.59% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $5,000 3.65% $5,000 – $20,000Your amount 3.75% $20,000 – $75,000 3.79% $75,000 and up 3.85% 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 · 4 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 - 3.75%APY$280 over 9 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
Offer: Term is 9 months. Dividends pay and compound monthly. Elite Rewards rate bonus of 0.10% to 0.20% may apply.
Effective Oct 1, 2026
Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 4 branches
3.50%APY$203 over 7 months on $10,000intro rateRequirements
Product: Promotional CD. Automatically renews into a 6-month CD at maturity.
Offer: Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply.
Promotional rate · 3.21% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 7 Month Fixed Rate CD Balance APY $500 – $10,000 3.25% $10,000 – $50,000Your amount 3.50% $50,000 – $100,000Promotional CD offer; visit branch to open. 4.00% $100,000 and up 4.20% Rate checked
More details - 3.33%APY$165 over 6 months on $10,000
Requirements
Product: $1,000 minimum is required to open account. A fee will be imposed for early withdrawal from CDs. Fees could reduce the earnings on the account. For CDs with maturities of 7 days through 364 days, interest is paid at the end of the term. For CDs with maturities of 1 year or greater, interest is paid quarterly and can be paid out or capitalized based on customer's discretion. Interest payments requested on a basis more frequent than quarterly will have a reduced APY. Posted APY may vary depending on term chosen.
3.30% interest rate · Effective Oct 6, 2026
Rate checked
More details - Frost BankFrost Certificate of Deposit AccountCD · 3 months · $1,000 min · 3.30%–4.00% by balance
Bank · 1 branch
3.30%APY$81 over 3 months on $10,000Requirements
Product: Fixed amount of interest in return. Account automatically renews at maturity with 10 calendar days grace period to withdraw funds without penalty. Penalty may be imposed for early withdrawal. Balance may be used to waive monthly service charges for a Frost consumer checking account (Frost Personal Account, Frost Plus Account, or Frost Premium Account).
Offer: 90 Day CD. Minimum deposit $1,000. Penalty may be imposed for early withdrawal.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Frost Certificate of Deposit Account Balance APY $1,000 – $100,000Your amount 3.30% $100,000 and up90 Day Jumbo CD. Minimum deposit $100,000. 3.65% $500,000 and up90 Day Jumbo CD. Minimum deposit $500,000. Visit a Frost financial center for CDs of $500,000 and over. Interest rate and APY may change at any time at bank discretion. 4.00% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 4 branches
3.25%APY$353 over 13 months on $10,000Requirements
Product: 13-month CDs will automatically renew into a 12-month CD.
Offer: Automatically renews into a 12-month CD at maturity. Early withdrawal penalties apply.
3.21% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 13 Month Fixed Rate CD Balance APY $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.75% $100,000 and up 4.00% 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