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 421–435 results in Texas
- 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
Rate checked
More details - 3.05%APY
Requirements
Product: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.
3.00% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.05%APY$151 over 6 months on $10,000
Requirements
Product: Early withdrawal penalties apply. Must fund within 7 days to lock rate. Rates are fixed for the full term once opened.
Offer: 180 day CD. Early withdrawal penalties apply. Must fund within 7 days to lock rate.
3.03% interest rate · Effective Jan 7, 2026
Rate checked
More details - Select Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 2.40%–3.05% by balance
Credit union · 2 branches
3.05%APY$305 over 1 year on $10,000Requirements
Product: Fixed rate. Dividends compounded and credited monthly. Automatic renewal with 10-day grace period. Early withdrawal penalties apply.
3.00% interest rate · Effective Jul 3, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $9,999 3.05% $10,000 – $25,000Your amount 3.05% $25,000 and up 3.05% $50,000 and up 2.40% Rate checked
More details - Anderson County Federal Credit UnionCertificate of DepositCD · 12 months · $1,000 min · 3.05%–3.50% by balance
Credit union · 1 branch
3.05%APY$305 over 1 year on $10,000Requirements
Product: Dividends calculated on an average daily balance. Minimum to open a certificate $1,000, dividends are paid quarterly, and CD renew automatically.
3.00% interest rate · Effective Jan 1, 2021
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 and upYour amount 3.05%* $100,000 and up 3.50% Rate checked
More details - Members Financial Federal Credit UnionCertificate of Deposit AccountsCD · 25 months · $1,000 min · 2.53%–3.82% by balance
Credit union · 1 branch
3.05%APY$646 over 25 months on $10,000Requirements
Product: To open a Certificate of Deposit Account you must deposit the minimum amount required that is associated with the certificate term desired. Once your account is established you may not make any additional deposits into the account during the elected term. If the account is closed or any of the principal amount is withdrawn before maturity date the credit union will impose a penalty: 3 months interest for a 6 month term certificate, and 6 months interest for a term of 12 months or more. Membership requires payment of $25.00 in Share Savings account.
2.50% interest rate · Effective Jun 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Accounts Balance APY $1,000 – $9,999 2.53%* $10,000 – $50,000Your amount 3.05%* $50,000 and up 3.82%* Rate checked
More details - 3.04%APY$618 over 24 months on $10,000
Requirements
Product: SECU members can open a 6, 12, 18, 24 or 36-month CD.
3.00% interest rate
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More details - 3.04%APY$618 over 24 months on $10,000
3.00% interest rate · Balance cap $250,000 · Effective May 20, 2020
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More details - 3.04%APY$151 over 6 months on $10,000intro rate
Requirements
Product: Interest rate is fixed for the term of the C.D. Earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. Penalty for early withdrawal.
Offer: 6-month CD special. Penalty may be imposed for withdrawals before maturity.
Promotional rate · 3.00% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Any balanceYour amount 3.04% $100,000 and upJumbo C.D. tier (180 Days). Requires at least $100,000. 0.10% Rate checked
More details - First National Bank of AspermontTwelve Month CDCD · 12 months · $500 min · 3.04%–3.09% by balance
Bank · 1 branch
3.04%APY$304 over 1 year on $10,000Requirements
Product: Interest compounded annually and paid by check annually. Minimum opening deposit $500.00. Automatic renewal at maturity with 10-day grace period, or non-renewing option available upon request. Early withdrawal penalty equals 3 months of interest.
Offer: Interest rate paid on entire balance in account. Early withdrawal penalty equals 3 months of interest.
3.00% interest rate · Compounded annually · Effective Oct 30, 2025
Rate by balance
Rate by balance for Twelve Month CD Balance APY $500 – $100,000Your amount 3.04% $100,000 and up 3.09% Rate checked
More details - 3.04%APY$304 over 1 year on $10,000
3.00% interest rate · Effective Mar 31, 2026
Rate checked
More details - 3.04%APY$304 over 1 year on $10,000
Requirements
Product: Term Share Rates are locked in for the stated term. Term Share interest is credited monthly. New or renewing Term Share Account rates are subject to change at any time based on market conditions.
3.00% interest rate · Effective Jul 28, 2025
Rate checked
More details - Mount Olive Baptist Church Federal Credit UnionInvestment Certificate AccountCD · 12 months · $1,000 min
Credit union · 1 branch
3.04%APY$304 over 1 year on $10,000Requirements
Product: Member must have a Share Savings Account in good standing and no delinquent loans. Opening funds must be new funds from a source other than current MOBC FCU funds on deposit. Dividends post quarterly to share savings account on the last day of the quarter.
Offer: Early withdrawal penalty is 90 days of dividends; 10 calendar-day grace period after automatic renewal to close or withdraw without penalty.
3.00% interest rate
Rate checked
More details - American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 15 branches
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
Rate checked
More details - 3.03%APY$616 over 24 months on $10,000
Requirements
Product: Membership eligibility requires living, working, or worshipping within the portion of Bell County, Texas, west of Interstate 35. A penalty will be imposed for early withdrawal.
Offer: A penalty will be imposed for early withdrawal.
3.00% interest rate · Effective Dec 19, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
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