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 181–195 results in Texas
- Farmers Insurance Federal Credit UnionShare Certificate AccountsCD · 60 months · $1,000 min
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Early withdrawal subject to substantial penalty. Extra Direct Deposit (DDEP) bonus of 0.25% available for regular terms 36 months and longer with $1,000+ monthly direct deposit into FIGFCU Checking.
Offer: Requires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account.
Qualified rate · Effective Oct 1, 2024
Rate checked
More details - Tinker Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.83%–4.40% by balance
Credit union · 2 branches
3.99%APY$2,161 over 60 months on $10,000Requirements
Product: Earns monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Deposits may not be made after opened until maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 360 Days.
3.77% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.83% $10,000 and upYour amount 3.99% $25,000 and up 4.19% $50,000 and up 4.30% $99,000 and up 4.40% Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min · 3.97%–4.13% by balance
Credit union · 7 branches
3.97%APY$98 over 3 months on $10,000Requirements
Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
3.90% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.97% $50,001 and up 4.02% $100,001 and up 4.07% $250,001 and up 4.13% Rate checked
More details - Cherokee County Teachers Federal Credit UnionCertificatesCD · 6 months · $5,000 min
Credit union · 1 branch
3.97%APY$197 over 6 months on $10,0003.90% interest rate · Effective Oct 21, 2025
Rate checked
More details - 3.96%APY$196 over 6 months on $10,000
Requirements
Product: Must be of legal age to apply for a deposit.
Offer: 180 Days term. Minimum deposit to open and obtain stated APY is $1,000. Penalty for early withdrawal.
Effective Feb 2, 2026
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More details - 3.96%APY$2,143 over 60 months on $10,000
Effective Oct 6, 2026
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More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Term Certificates renew automatically. Interest may be withdrawn before maturity without a penalty; early withdrawal penalty on principal may apply. Interest earned based on average daily balance.
Offer: Interest compounded monthly, credited monthly. Early withdrawal penalty may apply.
3.95% interest rate · Compounded monthly · Effective Nov 1, 2022
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More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
3.88% interest rate
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More details - 3.95%APY$395 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Must maintain a primary share account with a $5 balance. Deposits are not permitted during term of certificate.
3.88% interest rate · Effective Oct 5, 2026
Rate checked
More details - Credit Human Federal Credit UnionSustainable Share CertificateCD · 18 months · $500 min
Credit union · 21 branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: All the benefits of regular share certificate plus a positive environmental impact. Fixed 18-month term. Open with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. APY assumes dividends remain on deposit until maturity; withdrawal of dividends will reduce earnings. Published rates and APYs are subject to change daily. NCUA insured up to $250,000. Membership eligibility required.
3.88% interest rate · Effective Oct 16, 2026
Rate checked
More details - Star of Texas Credit UnionCertificate of DepositCD · 24 months · $1,000 min · 3.95%–4.05% by balance
Credit union · 1 branch
3.95%APY$806 over 24 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply if surrendered prior to term maturity. Minimum amount to earn APY is $1,000. Federally insured up to $250,000 by NCUA.
Offer: Minimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.95% $50,000 – $100,000 4.05% $100,000 and up 4.05% Rate checked
More details - 3.95%APY$2,137 over 60 months on $10,000
Requirements
Product: Minimum opening deposit is $1,000. Membership with TDECU required. Insured up to $250,000 by NCUA. Penalty for early withdrawal.
Offer: Base Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%).
3.88% interest rate · Balance cap $49,999.99 · Effective Sep 16, 2026
Rate checked
More details - 3.93%APY$227 over 7 months on $10,000
Requirements
Product: Callable account; bank may call or accelerate maturity at option. Automatic renewal with 10-day grace period. Early withdrawal penalty equals 90 days of interest.
Offer: Interest compounded and credited every 7 months.
3.90% interest rate
Rate checked
More details - Bank of the OrientCertificate of DepositCD · 13 months · $10,000 min · 3.93%–4.08% by balance
Bank · 2 branches
3.93%APY$426 over 13 months on $10,000intro rateRequirements
Product: Limited time special rates effective start August 6, 2026 until further notice. A minimum opening deposit and minimum balance are required to earn the stated APY. Early withdrawal penalties may apply. Fees may reduce earnings. Offers may not be combined.
Offer: Limited time CD special rate for balances of $10,000 to $99,999. Early withdrawal penalties may apply.
Promotional rate · Effective Aug 6, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $10,000 – $99,999Your amount 3.93% $100,000 and up 4.08% Rate checked
More details - Pampa Teachers Federal Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · 1 branch
3.92%APY$194 over 6 months on $10,0003.85% interest rate · Effective Feb 25, 2026
Rate checked
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
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