Compare Bank & Credit Union Rates
Best CD rates in Texas
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 241–255 results in Texas
- 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Fixed dividend rate and APY for the term. Name Your Own Term available in full-month increments from 6 months to 4 years earning the rate of the preceding certificate tier. Bump-up rate options for 2 and 3-year terms. Ability to add to balance during term.
Offer: Fixed dividend rate and APY. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings.
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
- 3.80%APY$188 over 6 months on $10,000
- Texas Bridge Credit UnionRegular Share CertificateCD · 6 months · $1,000 min
Credit union · 2 branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Fees may reduce earnings.
Offer: Fees may reduce earnings.
3.75% interest rate · Effective Jul 1, 2026
Rate checked
More details - 3.80%APY$412 over 13 months on $10,000
Requirements
Product: Callable account; bank may call or accelerate maturity at option. Automatic renewal with 10-day grace period. Early withdrawal penalty equals 182 days of interest. Interest credited into the account may be withdrawn without penalty any time before maturity.
Offer: Interest compounded and credited every 3 months.
3.75% interest rate
Rate checked
More details - Rally Credit UnionCertificates of Deposit (CDs)CD · 15 months · $1,000 min · 3.80%–4.30% by balance
Credit union · 22 branches
3.80%APY$477 over 15 months on $10,000Requirements
Product: Automatically renews at maturity to a 1-year term at the then-current rate. Early withdrawal penalties apply and withdrawals reduce APY.
3.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 3.80% $100,000 and up 4.30% Rate checked
More details - Cy-Fair FCUShare CertificateCD · 60 months · $1,000 min · 3.80%–4.00% by balance
Credit union · 6 branches
3.80%APY$2,050 over 60 months on $10,000Requirements
Product: Minimum deposit of $1,000.00 required to open. Dividends post quarterly. Early withdrawal penalties may apply. Relationship pricing bonus rates available up to +0.40% APY for qualifying active checking (+0.10%), direct deposit (+0.10%), open/current installment loan or credit card (+0.10%), and credit union membership of 3+ years (+0.10%).
3.74% interest rate · Effective Aug 7, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $25,000Your amount 3.80% $25,000 – $50,000 3.85% $50,000 – $100,000 3.90% $100,000 – $500,000 3.95% Over $500,000 4.00% Rate checked
More details - 3.79%APY$347 over 11 months on $10,000with conditions
Requirements
Product: Available only to those that have or open a new Premium Checking account. Interest must be capitalized or transferred into a Premium Checking account. Personal accounts only. Early withdrawal penalty may apply. Upon maturity, renews for an 11-month term at the rate offered on an 11-month CD at the time of renewal.
Offer: Fixed yield rates, compounded monthly. Minimum to open and obtain APY is $500. Requires having or opening a Premium Checking account.
Qualified rate · Compounded monthly · Effective Jan 24, 2025
Rate checked
More details - RBFCUSuperSaver CertificateCD · 18 months · $1,000 min · 3.75%–3.91% by balance
Credit union · 65 branches
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 - 3.76%APY$186 over 6 months on $10,000
Requirements
Product: Dividends paid monthly by check, to certificate, or by automatic deposit to Regular Savings or Money Market. Automatically renews at maturity unless notice given within 3 weeks prior. Early withdrawal penalty is 180 days of dividends. No partial withdrawals allowed. Federally insured up to $250,000.
Offer: Early withdrawal penalty applies.
3.70% interest rate · Effective Nov 3, 2025
Rate checked
More details - 3.76%APY$344 over 11 months on $10,000with conditions
Requirements
Product: Owner must fund with new money and have an open or active PointBank checking account. Callable account; bank may call or accelerate maturity at option. Automatic renewal with 10-day grace period. Early withdrawal penalty equals 182 days of interest.
Offer: Interest compounded and credited every 11 months. Must fund with new money and have an open or active PointBank checking account.
Qualified rate · 3.75% interest rate
Rate checked
More details - Panhandle First BankCertificates of DepositCD · 18 months · $1,000 min · 3.76%–4.07% by balance
Bank · 3 branches
3.76%APY$569 over 18 months on $10,000intro rateRequirements
Product: No setup or maintenance fees. Early withdrawal penalty applies. 10-day grace period at maturity.
Offer: Penalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY.
Promotional rate · 3.70% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.76% $50,000 and upFor CD amounts over $250,000, please contact the bank. 3.82% $100,000 and up18 Months Special ++ Step-Up Available. For CD amounts over $250,000, please contact the bank. 4.07% Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionStep Up Share CertificatesCD · 36 months · $1,000 min
Credit union · 3 branches
3.76%APY$1,171 over 36 months on $10,000intro rateRequirements
Product: Not available for IRAs. Members who purchase a 3-year, 4-year, or 5-year step up certificate receive a one-time opportunity to increase the dividend rate on their certificate if rates rise during the term.
Promotional rate · 3.70% interest rate · Effective Jul 9, 2026
Rate checked
More details - University Credit UnionDiamond Anniversary CertificateCD · 5 months · $500 min
Credit union · 1 branch
3.75%APY$155 over 5 months on $10,000intro rateRequirements
Product: Special certificate for 75th anniversary. Available to new and existing University Credit Union members whose accounts are in good standing. Renews as a 6-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.
Offer: Renews as a 6-month certificate. Available to new and existing members in good standing. No maximum deposit.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000intro rate
Requirements
Product: Must deposit or have an existing savings or checking account. Federally insured by NCUA.
Offer: Consumer only.
Promotional rate · Effective Oct 1, 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 Texas
2,866 CDs at 397 banks and credit unions · checked Oct 16–23
- Typical
- 3.29%
- Top 10% from
- 4.00%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.50%
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Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches