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 46–60 results in Texas
- Barksdale Federal Credit UnionPlus Point CertificateCD · 12 months · $1,000 min
Credit union · 2 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: To open Plus Point Certificate accounts, you must open one certificate of each term with equal balances in each certificate. Not automatically renewable.
Offer: Fixed rate. Must open one certificate in each term (1, 2, 3, 4, and 5 Year) with equal balances in each certificate ($1,000 minimum per each term). Additional deposits not allowed. Early withdrawal penalty applies (terms of 12 months or less: 90 days' dividends). Not automatic renewal.
4.17% interest rate · Effective Sep 29, 2026
Rate checked
More details - Neches Federal Credit UnionCertificatesCD · 12 months · $1,000 min · 4.25%–4.65% by balance
Credit union · 11 branches
4.25%APY$425 over 1 year on $10,000Requirements
Offer: $1,000 minimum balance
4.17% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 4.25% $100,000 and up100,000 minimum balance 4.65% Rate checked
More details - Member Preferred Federal Credit UnionFLEX CertificateCD · 12 months · $2,500 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Open to new and existing members (non-members must qualify for MPFCU membership and open a Regular Share Savings Account with $25 minimum opening deposit). Opening deposit must be funds not already with Member Preferred FCU. Minimum $2,500 deposit required to open and earn APY. Allows 1 additional deposit ($500 minimum) per calendar month (up to 11 deposits per term) and 1 penalty-free withdrawal ($500 minimum) per calendar month. Withdrawals cannot reduce certificate balance below $2,500 or 50% (or 60% in disclosures) of original opening deposit, whichever is greater.
Offer: Promotional rate and APY for 12 months term. Minimum deposit $2,500 required to open and earn APY.
Promotional rate · 4.17% interest rate · Effective Sep 10, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 312 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - USE Credit UnionCertificate of Deposit New Money OfferCD · 18 months · $10,000 min
Credit union · 1 branch
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: New Money only (money not from another USECU account; transfers between USECU accounts do not qualify). New members must be eligible for USE Credit Union membership and open a share savings account with a $25 minimum deposit. Membership required and subject to approval. Early withdrawal penalty may apply. Automatically renews at maturity at the rate in effect at that time. 10-day grace period after maturity. Additional deposits not allowed after starting account. Limited time offer.
Offer: 18 Month CD. New Money only.
Promotional rate
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Available for personal accounts only. Interest calculated and accrued daily based on daily balance and paid monthly. Fixed rate through maturity. Early withdrawal penalty may apply. Preferred Pricing rate increases may apply based on combined relationship balances. Deposit of $1,000 required within 10 business days of opening.
Offer: 18 Months term. No minimum balance requirement to obtain APY.
4.16% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000with conditions
Requirements
Product: Available for a limited time to new customers within Capra Bank market area (Dubuque, Lubbock, Albuquerque, Boise). Limited to one CD special per household/SSN. Must have or open and maintain an active Elevate or Summit checking account. New customers are individuals without a past relationship with Capra Bank in the past 12 months. Allows one rate increase request during the term if Capra Bank's offered rate for the 18-month CD increases after the first 6 months from opening date.
Offer: Valid for new customers with new money (funds not previously held by Capra Bank within past 12 months) of $10,000.00 to $1,000,000.00. Requires opening and maintaining an Elevate or Summit checking account. Early withdrawal penalty equal to 2.25% of principal balance if closed prior to maturity.
Qualified rate · Balance cap $1,000,000 · Effective Jul 1, 2026
Rate checked
More details - East Texas Professional Credit UnionTerm Share CertificatesCD · 23 months · $1,000 min
Credit union · 18 branches
4.25%APY$830 over 23 months on $10,000Requirements
Product: ETPCU membership required. A minimum of $1,000 is required to open and maintain on a daily basis to earn APY. Early withdrawal penalty may be imposed. Term Share Certificate balances $100K and above receive a 0.10% dividend increase.
Offer: 23 Month Term Share Certificates $1,000.00 & over (Special Rate). Compounded & Credited Quarterly. Balances $100K and above receive a 0.10% dividend increase.
4.18% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Account automatically renews.
Offer: Fixed rate. Additional deposits not allowed. Early withdrawal penalty applies (terms of longer than 12 months: 180 days' dividends). Automatic renewal with 10-day grace period.
4.17% interest rate · Effective Sep 29, 2026
Rate checked
More details - 4.25%APY$1,330 over 36 months on $10,000
Requirements
Product: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Offer: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
4.17% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - 4.25%APY$1,330 over 36 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Additional deposits are not allowed during the certificate term. Interest is compounded daily. Early withdrawal penalty applies.
Offer: 60 months term. Interest compounded daily. Additional deposits not allowed.
4.16% interest rate · Compounded daily · Effective Sep 23, 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
2,852 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%
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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