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 301–315 results in Texas
- 3.65%APY$90 over 3 months on $10,000intro rate
Requirements
Product: Minimum opening balance of $1,000 in new-to-Tech CU money (funds external to Tech CU within preceding 21 days). Unlimited new-to-Tech CU deposits allowed. One penalty-free withdrawal per calendar month permitted six days after opening, provided withdrawals are more than six days apart and minimum $1,000 balance is maintained.
Offer: Deposit and maintain minimum $1,000 new-to-Tech CU money.
Promotional rate · 3.60% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.65%APY$181 over 6 months on $10,000
Requirements
Product: Fixed rate APYs. Auto renewable options available. The annual percentage yield assumes interest remains on deposit until maturity. A penalty may be imposed for early withdrawal.
Offer: A minimum of $1,000 to open account and obtain the stated APY. Penalty for early withdrawal.
3.60% interest rate · Effective Jul 2, 2026
Rate checked
More details - 3.65%APY$273 over 9 months on $10,000
Requirements
Offer: Non-renewable at Share Certificate maturity.
3.60% interest rate · Effective Dec 17, 2025
Rate checked
More details - 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 - Golden Triangle Federal Credit UnionCertificateCD · 24 months · $1,000 min · 3.65%–3.75% by balance
Credit union · 1 branch
3.65%APY$743 over 24 months on $10,0003.59% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $50,000Your amount 3.65% $50,000 – $100,000 3.65% $100,000 and up 3.75% Rate checked
More details - Credit Human Federal Credit UnionLiquid Share CertificateCD · 12 months · $5,000 min
Credit union · 21 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 - 3.62%APY$270 over 9 months on $10,000
Requirements
Product: Minimum to open and obtain the APY is $1,000.
Offer: Minimum to open and obtain the APY is $1,000.
Rate checked
More details - 3.61%APY$735 over 24 months on $10,000
3.55% interest rate · Effective Jul 29, 2025
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 - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: Maturities available from 3 to 60 months. Stated CD rate is for existing customer only. Non customers will receive a rate of .25% less than the rate listed.
Offer: Compounded Daily, Paid Quarterly. Stated CD rate is for existing customer only. Non customers will receive a rate of .25% less. Early withdrawal penalty may apply.
3.54% interest rate · Compounded daily
Rate checked
More details - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: Dividends are paid monthly. Automatically renews at maturity. Penalty for early withdrawal.
3.54% interest rate
Rate checked
More details - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: Minimum balance to open and earn is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Rates subject to change without notice.
Offer: Regular CD only.
Rate checked
More details - 3.60%APY$208 over 7 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.53% interest rate · Effective Oct 14, 2026
Rate checked
More details - Commerce Bank TexasCertificates of DepositCD · 12 months · $0 min · 3.55%–3.60% by balance
Bank · 2 branches
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 - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: Minimum amount to open is $1,000.00. Interest is accrued daily and posted monthly. Early withdrawal penalties apply.
Offer: Early withdrawal of principal on a 12 month certificate is $150.00 or 180 days of dividend earned or not, whichever is greater.
3.54% interest rate · Effective Oct 6, 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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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