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 361–375 results in Texas
- TruGrocer Federal Credit UnionSmall Saver Share CertificateCD · 6 months · $500 min
Credit union · 1 branch
3.45%APY$171 over 6 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $500 with terms up to 60 months.
3.40% interest rate · Compounded monthly
Rate checked
More details - Trinity BankCertificates of DepositCD · 12 months · $1,000 min · 3.45%–3.75% by balance
Bank · 1 branch
3.45%APY$345 over 1 year on $10,000Requirements
Offer: Less than $ 1,000,000
3.41% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $1,000,000Your amount 3.45% $1,000,000 – $2,000,000 3.60% $2,000,000 and up 3.75% Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Interest is compounded and paid quarterly. Penalty may be imposed for early withdrawal.
Offer: Term: 1 Year. Early withdrawal penalty may apply.
3.41% interest rate · Effective Dec 11, 2025
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: PFCU is open to anyone who works, resides, worships or attends school in Archer, Baylor, Clay, Wichita or Wilbarger Counties in Texas and to employees of select employee groups along with the families of existing members. All certificate dividends are paid monthly. Interest penalty for early withdrawal of principal. Fixed rates remain in effect until maturity. Rates are subject to change daily.
3.40% interest rate · Effective Mar 2, 2026
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Offered from six months to three years. Early withdrawal penalties will or may be imposed on term share accounts. Fees could reduce earnings.
Offer: Early withdrawal penalty will or may be imposed on term share accounts. Fees could reduce earnings.
3.40% interest rate · Effective Feb 24, 2026
Rate checked
More details - 3.45%APY$433 over 15 months on $10,000intro rate
Requirements
Product: Account holder may elect to increase the interest rate once during the term of the 15-month FlexRate CD. Early withdrawal penalty may apply.
Offer: May elect to increase the interest rate once during the term.
Promotional rate · 3.41% interest rate · Effective Jul 2, 2026
Rate checked
More details - United Community Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 4 branches
3.44%APY$344 over 1 year on $10,000Requirements
Product: With a minimum deposit of $1,000, you can choose to invest your funds for as little as six months or as long as 60 months. Interest compounds daily and is paid quarterly or at maturity to your certificate of deposit, savings or checking account. There is a penalty for early withdrawal of funds.
Effective Sep 2, 2025
Rate checked
More details - Victoria City-County Employees FCUCertificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.44%APY$344 over 1 year on $10,000Requirements
Product: All Share Certificates are compounded and paid monthly. Penalties may apply for early withdrawal of Share Certificate deposits.
Offer: Early withdrawal penalty for maturity of 3-12 months is 90 days interest (applies to amount withdrawn). Compounded and paid monthly.
3.38% interest rate · Effective Oct 14, 2026
Rate checked
More details - Members Choice Credit UnionTerm Share CertificateCD · 12 months · $1,000 min
Credit union · 3 branches
3.44%APY$344 over 1 year on $10,0003.40% interest rate · Effective Jan 1, 2026
Rate checked
More details - Interstate BankCertificates of DepositCD · 6 months · $500 min · 3.43%–3.58% by balance
Bank · 2 branches
3.43%APY$170 over 6 months on $10,000Requirements
Product: Available for personal customer or business customer. No fees. Penalty for early withdrawal.
Offer: Daily Balances of $500 - $99,999.99. Penalty for early withdrawal.
3.40% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $100,000Your amount 3.43% $100,000 and up 3.58% Rate checked
More details - 3.43%APY$1,065 over 36 months on $10,000intro rate
Requirements
Product: Special conditions: New deposits only, no internal transfers, limited time offer.
Offer: New deposits only; no internal transfers; limited time; dividends compounded and credited monthly; additional deposits and withdrawals not allowed.
Promotional rate · 3.37% interest rate · Effective Sep 23, 2026
Rate checked
More details - STAR Financial Credit UnionInvestment Certificate AccountCD · 6 months · $100 min
Credit union · 2 branches
3.39%APY$168 over 6 months on $10,000Requirements
Offer: Dividends compounded and credited monthly; additional deposits not allowed; withdrawals permitted for dividends only.
3.34% interest rate · Effective Sep 23, 2026
Rate checked
More details - Gulf Coast Educators Federal Credit UnionTerm Share CertificateCD · 12 months · $100 min
Credit union · 9 branches
3.39%APY$339 over 1 year on $10,000Requirements
Product: Fixed rate share certificates with terms from 3 months to 5 years. Compounded and credited quarterly. Additional deposits allowed with no limit.
Offer: 12 month term.
3.35% interest rate
Rate checked
More details - First Priority Credit Union6 Month - Share CertificateCD · 6 months · $1,000 min · 3.35%–3.50% by balance
Credit union · 1 branch
3.35%APY$166 over 6 months on $10,000Requirements
Product: Certificate yields assume dividends are not withdrawn prior to maturity. Withdrawal of dividends will reduce the yield. Monthly Compounding and Crediting Average Daily Balance Dividend Method.
Offer: $1000.00 Minimum To Earn. Certificate yields assume dividends are not withdrawn prior to maturity. Withdrawal of dividends will reduce the yield. Monthly Compounding and Crediting Average Daily Balance Dividend Method.
3.30% interest rate
Rate by balance
Rate by balance for 6 Month - Share Certificate Balance APY Up to $100,000Your amount 3.35% $100,000 and up$100,000.00 Minimum To Earn. 3.50% Rate checked
More details - 3.35%APY$222 over 8 months on $10,000
Requirements
Product: CD will mature after term and will be paid rate until maturity. An early withdrawal penalty equal to 90 days of interest may be imposed. CDs opened or renewed with balances less than minimum opening deposit earn an interest rate and APY of 0.01%.
3.33% interest rate · Effective Jul 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