Compare Bank & Credit Union Rates
Best CD rates in Sugar Land, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Sugar Land, TX
- First Community Credit UnionRegular Certificate of DepositCD · 36 months · $500 min
Credit union · 1 branch
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate checked
More details - 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
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 This is a limited time offer and may be withdrawn at any time without notice.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
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More details - PrimeWay Federal Credit UnionWealthBuilder CertificateCD · 12 months · $250 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000Requirements
Product: Additional deposits allowed. Early withdrawal penalty of 120 days interest. At maturity, certificates with balances of $1,000 or more will renew as a standard 12-month certificate; balances under $1,000 renew as WealthBuilder certificates. Cannot be pledged as security for a loan.
Offer: Effective date 10/05/2026
4.17% interest rate
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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
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More details - 4.20%APY$313 over 9 months on $10,000intro rate
Requirements
Product: Limited-time promotional offer valid starting July 10th. Membership account must be opened and funds must be new deposits from another source. Not available on Term Share IRA Certificates.
Offer: Promotional rate. $5,000 minimum deposit of new money to MSCU required.
Promotional rate
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More details - PrimeWay Federal Credit UnionPromotional Certificate of DepositCD · 10 months · $1,000 min
Credit union · 1 branch
4.20%APY$349 over 10 months on $10,000intro rate - Houston Federal Credit UnionFlexible-Term CertificateCD · 60 months · $500 min
Credit union · 2 branches
4.20%APY$2,284 over 60 months on $10,000Requirements
Product: Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
4.14% interest rate · Effective Oct 6, 2026
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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
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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
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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 - 4.05%APY$200 over 6 months on $10,000
Requirements
Offer: 180 Days CD
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: An UTMA can be opened using a Certificate of Deposit. Penalty may be imposed for early withdrawal. The APY assumes principal and interest remain on deposit for the term of the certificate.
Offer: CD special. Competitive, fixed rates with automatic renewal. Interest can be paid directly or reinvested; interest credited before maturity may be withdrawn without penalty. Early withdrawals are subject to penalty and will reduce earnings.
Promotional rate · Balance cap $5,000,000 · Effective Sep 18, 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 Sugar Land, TX
354 CDs at 30 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 1.33%
- Credit unions, typical
- 3.65%
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Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch