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 391–405 results in Texas
- 3.30%APY$330 over 1 year on $10,000
3.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: All share certificate rates and APYs are stated as annual rates and are paid monthly or compounded monthly and paid at maturity. Penalty for early withdrawal.
Offer: Paid monthly or compounded monthly and paid at maturity.
3.25% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: Deposits are available for terms of 6-36 months. Deposits are subject to an early withdrawal penalty if closed prior to maturity. Call for rates on CDs above $50,000.00.
Offer: Penalty for early surrender is 6 months.
3.25% interest rate · Balance cap $50,000 · Effective Jul 15, 2026
Rate checked
More details - One Source Federal Credit UnionBump-it-Up Share CertificateCD · 24 months · $2,000 min
Credit union · 2 branches
3.30%APY$671 over 24 months on $10,0003.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.30%APY$671 over 24 months on $10,000
Requirements
Product: After certificate is opened, dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Dividends are compounded daily and paid monthly. If closed before dividends are paid, accrued dividends are forfeited.
3.30% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - 3.30%APY$1,023 over 36 months on $10,000
Requirements
Product: $1,000.00 minimum. A penalty may be imposed for early withdrawal equal to 90 days dividend. Dividends are declared and paid monthly by the Board of Directors based on earnings and market conditions and are subject to change without notice. Yields shown assume that dividends are compounded monthly to the certificate and unavailable for withdrawal until maturity.
3.25% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - 3.30%APY$1,731 over 59 months on $10,000
Requirements
Product: Account holder may elect to increase the interest rate twice during the term of the 59-month FlexRate CD. Early withdrawal penalty may apply.
Offer: May elect to increase the interest rate twice during the term.
3.26% interest rate · Effective Jul 2, 2026
Rate checked
More details - Community National Bank & Trust of TexasCertificates of DepositCD · 6 months · $1,000 min
Bank · 18 branches
3.29%APY$163 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. APY assumes earnings remain on deposit.
3.25% interest rate
Rate checked
More details - Hockley County Credit UnionRegular Savings CertificateCD · 12 months · $10,000 min
Credit union · 1 branch
3.29%APY$329 over 1 year on $10,000Requirements
Product: Early withdrawal penalties for all CDs are based upon length of original CD.
3.25% interest rate · Effective Jan 1, 2024
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. Automatically renews at maturity.
Offer: Penalty for early withdrawal.
3.20% interest rate · Effective Oct 23, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Minimum deposits as low as $1,000.00. Minimum to open an account is the same as minimum to obtain APY. Jumbo rates available (over $98,000).
3.25% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Eligibility for those doing life in Walker, San Jacinto, Trinity, Houston, Madison, and Grimes County, Texas. Early withdrawal penalties apply. Automatic renewal at maturity with a 10-day grace period.
Effective Oct 1, 2026
Rate checked
More details - First Priority Credit Union12 Month Share CertificateCD · 12 months · $1,000 min · 3.25%–3.50% by balance
Credit union · 1 branch
3.25%APY$325 over 1 year 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.
3.20% interest rate
Rate by balance
Rate by balance for 12 Month Share Certificate Balance APY Up to $100,000Your amount 3.25% $100,000 and up$100,000.00 Minimum To Earn. 3.50% Rate checked
More details - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 296 branches
3.25%APY$353 over 13 months on $10,000Requirements
Product: 13-month CDs will automatically renew into a 12-month CD.
Offer: Automatically renews into a 12-month CD at maturity. Early withdrawal penalties apply.
3.21% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 13 Month Fixed Rate CD Balance APY $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.75% $100,000 and up 4.00% Rate checked
More details - Hockley County Credit UnionMinimum Savings CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
3.24%APY$324 over 1 year on $10,000Requirements
Product: Early withdrawal penalties for all CDs are based upon length of original CD.
3.20% interest rate · Effective Jan 1, 2024
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
2,858 CDs at 396 banks and credit unions · checked Oct 22–24
- Typical
- 3.30%
- Top 10% from
- 4.05%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.50%
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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