Compare Bank & Credit Union Rates
Best CD rates in San Antonio, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in San Antonio, TX
- 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 This is a limited time offer and may be withdrawn at any time without notice.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 · 18 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$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
Rate checked
More details - Greater Texas Credit UnionTerm Share Certificates/Certificates of DepositCD · 60 months · $1,000 min · 4.25%–4.35% by balance
Credit union · 1 branch
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.
Offer: Regular certificate. Compounded daily, paid quarterly.
4.16% interest rate · Compounded daily · Effective Jul 1, 2026
Rate by balance
Rate by balance for Term Share Certificates/Certificates of Deposit Balance APY $1,000 and upYour amount 4.25% $95,000 and upJumbo certificate. 4.35% 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 - 4.15%APY$240 over 7 months on $10,000
Requirements
Product: Early withdrawal may be subject to penalties. Minimum deposit is $1,000. Terms range from 6 months to 60 months. Dividends can be paid to Savings/Checking account or compounded monthly. Election remains in effect until maturity. Certificate may automatically renew or deposit into Savings/Checking upon maturity.
Offer: 7 Month Special
4.07% interest rate · Compounded monthly · Effective Sep 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 2 branches
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: 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
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 120 months · $500 min
Credit union · 17 branches
4.05%APY$4,874 over 120 months on $10,000Requirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.98% interest rate · Effective Oct 16, 2026
Rate checked
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$231 over 7 months on $10,000
Requirements
Product: Lock in a fixed rate for the entire term.
Offer: Fixed rate for the entire term.
Rate checked
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
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 San Antonio, TX
432 CDs at 38 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.71%
- Credit unions, typical
- 3.60%
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Find your bank or credit union to see all its rates and how they compare near you.
San Antonio, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 4 branches
- CommunityAmerica Credit UnionCredit union · 1 branch