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 346–360 results in Texas
- Secured Advantage Federal Credit UnionCertificateCD · 12 months · $500 min · 3.50%–3.82% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Dividends compounded semi-annually and/or at maturity. Rate is fixed for the term after opening. Substantial penalty for early withdrawal. Certificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated.
3.50% interest rate · Effective Apr 1, 2025
Rate by balance
Rate by balance for Certificate Balance APY $500 – $90,000Your amount 3.50% $90,000 and upStated dividend rate is 3.75%. 3.82%* Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
3.44% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificates Balance APY Up to $100,000Your amount 3.50% $100,000 and upJumbo tier. 3.75% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed rate. Daily balance method. Early withdrawal penalty is 90 days of dividends earned. No service fees. Automatically renews; 5-day grace period following maturity. No deposits or withdrawals permitted after opening until maturity.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Dividends are calculated by daily balance method and compound monthly. After opening, additional deposits are not permitted until maturity. Early withdrawal penalties apply.
Offer: APY based on monthly compounding and dividends remaining on deposit until maturity. Early withdrawal penalty: 30 days interest.
3.50% interest rate
Rate checked
More details - The People's Federal Credit UnionShare CertificateCD · 12 months · $5,000 min
Credit union · 5 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Must be a TPFCU member. Minimum deposit $5,000. Additional deposits after opening are not permitted. Automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies (greater of $25 or 50% of dividends that would be earned over remaining term).
Offer: Dividends compounded and credited quarterly.
3.46% interest rate · Effective Jul 1, 2026
Rate checked
More details - Members Choice Credit UnionPriority Plus Term Share CertificateCD · 12 months · $1,000 min
Credit union · 3 branches
3.50%APY$350 over 1 year on $10,0003.45% interest rate · Effective Jan 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Membership is open to anyone who lives, works, attends school, or owns a business in Bell County, Texas.
3.50% interest rate
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
3.50% interest rate
Rate checked
More details - 3.50%APY$560 over 19 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 · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - First Watch Credit UnionTerm Share CertificateCD · 36 months · $1,000 min · 3.50%–3.70% by balance
Credit union · 2 branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Membership/Regular Savings required. Penalty will or may be imposed for early withdrawal. Fees may reduce earnings. Automatic renewal.
Offer: Early withdrawal penalty may apply. Dividends paid monthly or at maturity.
3.50% interest rate · Effective Apr 15, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 and upYour amount 3.50% $50,000 and up 3.70% Rate checked
More details - Southwest Airlines Federal Credit UnionTerm Share Certificates (Regular)CD · 48 months · $1,000 min
Credit union · 2 branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Penalties may apply for early withdrawal. Minimum of $1,000 to open. Dividends compounded/paid quarterly.
3.45% interest rate · Effective Aug 24, 2026
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalty is 90 days of dividends for terms 12 months or less, and 180 days of dividends for terms over 12 months.
3.46% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Offer: Early withdrawal penalty applies. Dividends compound daily.
3.44% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.49%APY$349 over 1 year on $10,000
Requirements
Product: Rates are subject to change monthly by the Board of Directors. Primary Share account required for credit union membership.
3.45% interest rate · Effective Apr 25, 2025
Rate checked
More details - 3.49%APY$349 over 1 year on $10,000
3.45% interest rate · Effective Nov 1, 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