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 16–30 results in Texas
- 4.50%APY$683 over 18 months on $10,000intro rate
Requirements
Product: Must be a TruWest member with a minimum $5 deposit and continuing balance. Minimum certificate balance of $500.
Offer: Limited-time special offer valid as of 7/27/26; subject to change or end at any time without notice. Not available for IRA Savings Certificates. Available only with new money (funds not currently on deposit with TruWest Credit Union and transferred from an account at another financial institution at the time the certificate is opened). Automatic renewal to standard 12-month savings certificate.
Promotional rate · 4.40% interest rate · Effective Sep 23, 2026
Rate checked
More details - First Community Credit UnionRegular Certificate of DepositCD · 36 months · $500 min
Credit union · 15 branches
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 - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Subject to membership eligibility. Dividends compound monthly. Early withdrawal penalties apply (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Minimum deposit required is $1,000.
Offer: Early withdrawal penalty: 120 days’ dividends.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.45%APY$483 over 13 months on $10,000intro rate
Requirements
Product: Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 12-month certificate rate.
Offer: New deposits only from non-Chartway account. $500 minimum (no maximum balance). Renews at current 12-month certificate rate. Early withdrawal penalty applies.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.44%APY$220 over 6 months on $10,000
4.35% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.44%APY$444 over 1 year on $10,000
Requirements
Product: No maintenance fees. Add-on deposits permitted anytime throughout its lifetime, with minimum add-on deposits as low as $10. Early withdrawal penalty may apply.
Offer: Twelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity.
4.35% interest rate · Compounded monthly · Effective Sep 17, 2026
Rate checked
More details - 4.44%APY$444 over 1 year on $10,000
Requirements
Product: Credit Builder certificate accounts offer the option of requesting a loan in which the proceeds of the loan are deposited to this certificate account. This product allows unlimited deposits of any amount. The funds remain on deposit while payments are made to the loan. Timely payments to the loan may be used to help build your credit score. At maturity, the certificate account will automatically renew to a fixed-rate 12-month certificate account. Dividends may only be withdrawn during the grace period prior to renewal. Withdrawals are not allowed until maturity. Membership eligibility is required; $10 share account deposit required. All loans subject to approval.
Offer: Monthly Crediting. 12-month Credit Builder. Average daily balance requirement of $500.
4.35% interest rate · Effective Oct 14, 2026
Rate checked
More details - GECUPersonal Certificate Accounts (Fixed rate)CD · 12 months · $50 min · 4.44%–4.54% by balance
Credit union · 22 branches
4.44%APY$444 over 1 year on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of October 14, 2026. Early-withdrawal penalties apply.
Offer: Monthly Crediting. Average daily balance requirement of $50.
4.35% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Certificate Accounts (Fixed rate) Balance APY $50 and upYour amount 4.44% $50,000 and up12-month Jumbo. 4.54% 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 - 4.40%APY$553 over 15 months on $10,000intro rate
Requirements
Product: Limited-time special. Must be opened with new funds (from an outside source) not currently on deposit with Neighborhood Credit Union nor withdrawn within the last 14 days of promotional start date. Not offered on IRAs. At maturity, converts and renews as a standard 12-Month CD. Early withdrawal penalty applies.
Offer: Fixed rate for 15-month term. Requires $10,000 minimum opening deposit of new money. Interest compounded daily.
Promotional rate · 4.31% interest rate · Compounded daily · Effective Sep 16, 2026
Rate checked
More details - 4.40%APY$553 over 15 months on $10,000intro rate
Requirements
Product: Membership required. Must maintain a primary share account with a $5 balance. 50% of the balance must be new money deposited to the credit union within the last 30 days.
Offer: 50% of the balance must be new money deposited to the credit union within the last 30 days. At maturity, renews at the current 1-year term and rate.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - 4.40%APY$899 over 24 months on $10,000
Requirements
Product: Penalty for early withdrawal on term share certificates. Fees may reduce earnings on the account. Membership required.
4.31% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.40%APY$2,402 over 60 months on $10,000
Requirements
Product: $1000 Minimum deposit to open. Terms from 6-Months to 60-Months. Interest can be compounded, or deposited into your shares monthly.
4.31% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.39%APY$217 over 6 months on $10,000
4.30% interest rate
Rate checked
More details - Members Trust Federal Credit UnionCertificate AccountsCD · 36 months · $1,000 min · 4.39%–4.59% by balance
Credit union · 2 branches
4.39%APY$1,376 over 36 months on $10,000Requirements
Product: Share certificates require just $1,000 to open with terms from 6 months (182 days) up to 7 years. If you need to withdraw the money sooner than expected, you won’t lose any of the principal that you invested.
Offer: 3 Years; Min. $1,000 tier
4.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 and upYour amount 4.39% $25,000 and upMini-Jumbo tier (Min. $25,000) 4.49% $90,000 and upJumbo tier (Min. $90,000) 4.59% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Texas
2,852 CDs at 397 banks and credit unions · checked Oct 16–22
- Typical
- 3.29%
- Top 10% from
- 4.00%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.49%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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