Compare Bank & Credit Union Rates
Best CD rates in The Woodlands, TX
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in The Woodlands, TX
- 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 This is a limited time offer and may be withdrawn at any time without notice.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 · 7 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 - 4.20%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
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 - MemberSource Credit UnionTerm Share CertificatesCD · 60 months · $500 min · 4.00%–4.10% by balance
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends paid monthly. For 12 month Term Share Certificates, you have the discretion to increase the existing rate to the current rate available on certificates with the same term one time during the term of the certificate. Early withdrawal will result in a dividend penalty.
3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $50,000Your amount 4.00% $50,000 – $100,000 4.05% $100,000 and up 4.10% Rate checked
More details - 3.95%APY$2,137 over 60 months on $10,000
Requirements
Product: Minimum opening deposit is $1,000. Membership with TDECU required. Insured up to $250,000 by NCUA. Penalty for early withdrawal.
Offer: Base Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%).
3.88% interest rate · Balance cap $49,999.99 · Effective Sep 16, 2026
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 Service Credit UnionSmart Growth Certificate of DepositCD · 12 months · $100 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000Requirements
Product: Start with as little as $100 and deposit at least $50 every month via direct deposit. Additional deposits allowed anytime. Dividends compounded and credited monthly. Early withdrawal penalties and fees may reduce earnings.
Offer: Requires minimal direct deposit of $50 each month; deposit whenever and as often as you like.
3.54% interest rate · Effective Aug 1, 2026
Rate checked
More details - First Service Credit UnionCertificate of DepositCD · 12 months · $1,000 min · 3.60%–3.70% by balance
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.
3.54% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.60% $50,000 and up 3.70% Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 2 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - Frost BankFrost Certificate of Deposit AccountCD · 3 months · $1,000 min · 3.30%–4.00% by balance
Bank · 2 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$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 - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% 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 The Woodlands, TX
208 CDs at 13 banks and credit unions · checked Oct 4–22
- Typical
- 1.50%
- Top 10% from
- 3.75%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.60%
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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