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 406–420 results in Texas
- Southland Federal Credit UnionShare CertificateCD · 60 months · $5,000 min · 2.76%–3.22% by balance
Credit union · 2 branches
3.22%APY$1,716 over 60 months on $10,000Requirements
Product: All certificates are compounded and paid monthly. Early withdrawal penalty may be imposed. Membership with a regular share (savings) account required.
Offer: Long Term. Starting at $5,000.
2.75% interest rate · Effective Mar 1, 2023
Rate by balance
Rate by balance for Share Certificate Balance APY $5,000 and up 2.76% $10,000 and upYour amountStarting at $10,000+. 3.22% Rate checked
More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Substantial penalties for early withdrawal from certificates of deposit. Contact Jennie at Perryton National Bank for details.
3.30% interest rate
Rate checked
More details - Coleman County State BankCertificates of DepositCD · 60 months · $1,000 min · 3.20%–3.30% by balance
Bank · 6 branches
3.20%APY$1,706 over 60 months on $10,000Requirements
Product: Rate is fixed for the term of the CD and determined based upon the term and opening deposit. Early withdrawal penalties apply. Interest compounded monthly and credited monthly. Automatic renewal available (promotional CD rates may not be eligible). No additional deposits after opening until maturity.
Offer: Term: 60 Months. $1,000 Minimum opening deposit tier.
3.15% interest rate · Compounded monthly · Effective Dec 18, 2025
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $100,000Your amount 3.20% $100,000 and up 3.30% Rate checked
More details - 3.19%APY$319 over 1 year on $10,000
Requirements
Product: Minimum opening deposit of $500.00. Assumes dividends remain in the account until maturity. Penalty applies for early withdrawal before maturity date.
3.15% interest rate · Effective Sep 28, 2026
Rate checked
More details - Memorial Credit UnionShare Certificate of DepositCD · 12 months · $1,000 min
Credit union · 5 branches
3.19%APY$319 over 1 year on $10,000Requirements
Product: Membership required. APY assumes dividends remain in the account until maturity. Early withdrawal penalty applies. Minimum opening deposit $1,000.
Offer: APY assumes dividends remain in account until maturity. Early withdrawal penalty applies.
3.15% interest rate · Effective Sep 1, 2026
Rate checked
More details - FirstLight Federal Credit UnionDream Builder Share CertificateCD · 12 months · $5 min
Credit union · 8 branches
3.15%APY$315 over 1 year on $10,000Requirements
Product: Requires timely monthly deposits/periodic payments. Failure to make 3 timely deposits/periodic payments will result in certificate termination and possible early withdrawal penalty, with principal balance transferred into a share account. Does not apply to business accounts.
Offer: Requires timely monthly deposits/periodic payments.
3.11% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - First Tech Federal Credit UnionBump Up Share CertificatesCD · 18 months · $500 min · 3.15%–3.40% by balance
Credit union · 1 branch
3.15%APY$476 over 18 months on $10,000Requirements
Product: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.
Offer: Add more money once per term.
3.10% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Up Share Certificates Balance APY Up to $100,000Your amount 3.15% $100,000 and upJumbo tier. 3.40% Rate checked
More details - Security First Credit UnionTerm Share CertificatesCD · 84 months · $1,000 min · 3.15%–3.67% by balance
Credit union · 9 branches
3.15%APY$2,425 over 84 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Penalty for early withdrawal. Minimum balance of $500.00. Fees may reduce earnings.
3.10% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $25,000Your amount 3.15% $25,000 – $50,000 3.35% $50,000 – $100,000 3.51% $100,000 and up 3.67% Rate checked
More details - 3.14%APY$156 over 6 months on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal. Annual percentage yield assumes that interest remains on deposit until maturity.
Offer: Term: 6 Months; Under $100,000 tier; Early withdrawal penalty applies
3.09% interest rate · Effective Mar 16, 2026
Rate checked
More details - SkyOne Federal Credit Union11-Month Liquid Share CertificateCD · 11 months · $1,000 min
Credit union · 1 branch
3.10%APY$284 over 11 months on $10,000Requirements
Product: Limit one Liquid Share Certificate per member. Penalty and fee-free daily withdrawal starting on day 7 of up to 50% of start of daily balance as of 12:00 AM PT; withdrawals exceeding 50% subject to penalties. Additional deposits permitted anytime prior to maturity.
Offer: Minimum deposit to earn advertised APY is $1,000.
Effective Oct 23, 2026
Rate checked
More details - 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
Rate checked
More details - Houston Highway Credit UnionCertificates of Deposit (CD)CD · 12 months · $1,000 min
Credit union · 1 branch
3.09%APY$309 over 1 year on $10,000Requirements
Product: Members can add to their CD at any time while keeping their original rate and term. Penalty for early withdrawal. 7-day grace period after maturity.
Rate checked
More details - 3.09%APY$1,294 over 48 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawl. Any service fees could reduce earnings on accounts. To obtain the Annual Percentage Yield (APY) disclosed on Certificates of Deposits (NOT IRA's) you must maintain a minimum balance of $1000.00 each day in the account.
Offer: To obtain the APY you must maintain a minimum balance of $1000.00 each day in the account.
3.05% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.05%APY$50 over 2 months on $10,000intro rate
Requirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
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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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