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 331–345 results in Texas
- Bayer Heritage Federal Credit UnionShare CertificatesCD · 12 months · $100 min
Credit union · 1 branch
3.55%APY$355 over 1 year on $10,000Requirements
Product: Add to certificate balance at any time; 10-day grace period; early withdrawal penalties apply.
3.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000intro rate
Requirements
Product: New money rates. Interest is compounded Monthly. APY assumes principal and earned interest remain on deposit until maturity. A penalty may be imposed for early withdrawal.
Offer: Term is 12 Month. New Money rate.
Promotional rate · 3.49% interest rate · Compounded monthly
Rate checked
More details - Coastal Community Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 4 branches
3.55%APY$355 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal may apply. Dividend Period: Monthly.
Offer: Monthly dividend compounding; early withdrawal penalty applies
3.49% interest rate · Effective Sep 22, 2026
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: Minimum deposit $1,000; Maximum deposit $250,000.
Offer: Minimum deposit $1,000; Maximum deposit $250,000.
3.49% interest rate · Balance cap $250,000 · Effective Jan 1, 2026
Rate checked
More details - Grand Prairie Credit UnionCertificates of Deposit $1,000 and overCD · 36 months · $1,000 min
Credit union · 1 branch
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Grand Prairie Credit Union may match CD rates of other Financial Institutions. Early withdrawal penalties may apply to Term Share Accounts (CDs). Annual Percentage Yield Compounded Monthly. Rates subject to change monthly.
Offer: Compounded Monthly. Rates subject to change Monthly. Early withdrawal penalties may apply to Term Share Accounts (CDs). Grand Prairie Credit Union may match CD rates of other Financial Institutions.
3.50% interest rate · Compounded monthly · Effective Jan 1, 2026
Rate checked
More details - Tinker Federal Credit UnionStarting Line Share CertificateCD · 12 months · $25 min
Credit union · 2 branches
3.54%APY$354 over 1 year on $10,000intro rateRequirements
Product: 12-month maturity, 90-day early withdrawal penalty. Renews into standard 12-month certificate if balance is $1,000 or more.
Offer: Dividends compounded monthly.
Promotional rate · 3.49% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - 3.53%APY$175 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal may apply. Fixed rates and flexible terms.
Offer: Compounding: At Maturity. Penalty for early withdrawal may apply.
3.50% interest rate
Rate checked
More details - Texans Credit UnionCertificate AccountCD · 3 months · $500 min · 3.50%–3.70% by balance
Credit union · 14 branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Membership Required. Daily balance method used to calculate interest. Interest compounded and credited monthly. Paid rate disclosed for entire term. Automatically renews with 10 calendar days grace period. If balance on a $100,000 or more Certificate Account falls below minimum balance requirements, automatically renews at applicable APY for same term. Early withdrawal penalties may apply.
Offer: Not available for IRA or CESA
3.45% interest rate · Effective Feb 23, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 3.50% $100,000 and up 3.70% Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Membership required. Dividends compounded and credited quarterly. Automatically renews at maturity for the same or closest available term and dividend rate/APY in effect at renewal, unless changed during 7-day grace period. Early withdrawal penalty: terms 6 months through 1 year subject to 90 days' dividends; terms greater than 1 year subject to 180 days' dividends. Original terms 24 months or longer are eligible for a one-time rate increase during the original term if certificate rates increase.
Offer: Minimum balance to open and earn advertised APY is $1,000.
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 44 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 - Natural Resources Conservation Service FCUTerm Share Certificate AccountsCD · 6 months · 0.00%–3.70% by balance
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Offer: Current rate
Rate by balance
Rate by balance for Term Share Certificate Accounts Balance APY Up to $1,000 0.00% $1,000 – $4,999New Member/New Money 3.27% $5,000 – $9,999New Member/New Money 3.39% $10,000 – $24,999Your amountNew Member/New Money 3.50% $25,000 – $49,999New Member/New Money 3.60% $50,000 and upNew Member/New Money 3.70% Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Dividends paid quarterly and can be deposited to CD, shares, checking, or withdrawn. A penalty of 90 days dividends applies to early withdrawal of principal.
3.46% interest rate · Effective Apr 1, 2026
Rate checked
More details - Valley Federal Credit UnionJumbo Share CertificatesCD · 6 months · $10,000 min
Credit union · 2 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: All Jumbo Share Certificates automatically renew. Subject to early withdrawal penalties. Higher minimum balance in exchange for higher annual yield.
Offer: Subject to early withdrawal penalties. Automatically renews.
3.45% interest rate
Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 296 branches
3.50%APY$203 over 7 months on $10,000intro rateRequirements
Product: Promotional CD. Automatically renews into a 6-month CD at maturity.
Offer: Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply.
Promotional rate · 3.21% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 7 Month Fixed Rate CD Balance APY $500 – $10,000 3.25% $10,000 – $50,000Your amount 3.50% $50,000 – $100,000Promotional CD offer; visit branch to open. 4.00% $100,000 and up 4.20% Rate checked
More details - 3.50%APY$203 over 7 months on $10,000
Effective Nov 4, 2025
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