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 31–45 results in San Antonio, TX
- Farm Bureau BankCD with Step-Up OptionCD · 12 months · $1,000 min · 3.65%–3.75% by balance
Bank · 1 branch
3.65%APY$365 over 1 year on $10,000Requirements
Product: Allows for a one-time rate increase to a Step-Up CD of the same term. Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
3.59% interest rate · Compounded daily
Rate by balance
Rate by balance for CD with Step-Up Option Balance APY $1,000 – $49,999Your amount 3.65% $50,000 and upJumbo CD tier. 3.75% Rate checked
More details - Credit Human Federal Credit UnionLiquid Share CertificateCD · 12 months · $5,000 min
Credit union · 17 branches
3.64%APY$364 over 1 year on $10,000Requirements
Product: Fixed 1-year term with $5,000 minimum deposit. Unlimited deposits allowed during the term. Two no-penalty withdrawals allowed during the term as long as minimum balance of $5,000 is maintained. Beyond two allowed withdrawals, early withdrawal penalty applies. Dividends paid monthly and calculated using daily balance method. Automatic renewal at maturity. Membership eligibility required.
Offer: Unlimited deposits and 2 penalty-free withdrawals during the 1-year term provided balance stays at or above $5,000.
3.58% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.61%APY$179 over 6 months on $10,000
Requirements
Product: Early withdrawal may be subject to penalties. Minimum deposit of $1,000. Terms 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.
3.55% interest rate · Compounded monthly · Effective Mar 31, 2026
Rate checked
More details - Commerce Bank TexasCertificates of DepositCD · 12 months · $0 min · 3.55%–3.60% by balance
Bank · 1 branch
3.60%APY$360 over 1 year on $10,000Requirements
Product: Compounding quarterly; a penalty may be imposed for early withdrawal
3.55% interest rate · Effective Mar 12, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.60% $250,000 and up 3.55% Rate checked
More details - 3.55%APY$176 over 6 months on $10,000
Requirements
Product: Membership eligibility required (live, work, worship, volunteer, attend school, or own a business in Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina, or Wilson County, TX, or immediate family member). Rates are fixed for term; dividends are compounded monthly. Penalty for early withdrawal. Stated APY assumes principal and dividends remain on deposit until maturity.
3.50% interest rate · Compounded monthly · Effective Jan 21, 2026
Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 10 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 - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Offer: Early withdrawal penalty applies. Dividends compound daily.
3.44% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.35%APY$335 over 1 year on $10,000
Requirements
Product: Must have an S1 savings account with a minimum of $5. Minimum amount to open and maintain is $250. Unlimited deposits allowed. Two penalty-free withdrawals permitted during the 12-month term maintaining $250 balance.
Offer: Compounded monthly. Must maintain $250 minimum balance. Two penalty-free withdrawals allowed per 12-month term; penalty of 90 days dividends for excessive early withdrawals. Automatically renews for same term at current Flex CD rate.
3.30% interest rate · Compounded monthly · Effective Oct 6, 2026
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 - 3.32%APY$502 over 18 months on $10,000
Requirements
Product: Early withdrawal from certificates will be subject to a penalty of 1/2 of dividends earned. Members should call the credit union to verify rates.
3.28% interest rate · Effective Dec 11, 2025
Rate checked
More details - Frost BankFrost Certificate of Deposit AccountCD · 3 months · $1,000 min · 3.30%–4.00% by balance
Bank · 23 branches
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$191 over 7 months on $10,000with conditions
Requirements
Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
Offer: Rewards APY requires two qualifying relationships.
Qualified rate · 3.25% interest rate
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 - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Minimum deposits as low as $1,000.00. Minimum to open an account is the same as minimum to obtain APY. Jumbo rates available (over $98,000).
3.25% interest rate · Effective Sep 30, 2026
Rate checked
More details - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 10 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 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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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