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 481–495 results in Texas
- Shared Resources Credit UnionShare Certificate Account (CD)CD · 12 months · $10,000 min
Credit union · 1 branch
2.37%APY$237 over 1 year on $10,000intro rateRequirements
Product: Minimum Opening Deposit: $10,000.00. Interest Compounded: Quarterly. Interest Credited: Quarterly.
Offer: Bonus Rate for Share Certificates of $10,000 or more; Term: 1 Year
Promotional rate · 2.35% interest rate · Effective Jun 1, 2026
Rate checked
More details - 2.35%APY
Requirements
Product: Federally insured by NCUA up to $250,000. Dividends are compounded and credited quarterly. Rates shown not available in VA, NC, UT, NV, or TX. Early withdrawals are subject to an early withdrawal penalty. Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. All renewing certificates receive a 0.10% rate rewards until further notice (excluding 6 month and 12 month No Penalty and promotional certificates). Rate increase of 0.10% APY available on any 12 month+ certificate renewal with Essential Checking.
Offer: Rates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term.
2.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - MTCUCertificates of DepositCD · 12 months · $1,000 min · 2.28%–2.38% by balance
Credit union · 3 branches
2.28%APY$228 over 1 year on $10,000Requirements
Product: CD rates are subject to change daily. Early withdrawal penalties may reduce earnings. Dividends credited monthly.
Offer: Dividends credited monthly. Early withdrawal penalties may reduce earnings.
2.26% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 2.28% $50,000 – $98,999 2.33% $99,000 and up 2.38% Rate checked
More details - Port Arthur Teachers Federal Credit Union12 Month CDCD · 12 months · $1,000 min
Credit union · 2 branches
2.28%APY$228 over 1 year on $10,0002.25% interest rate
Rate checked
More details - 2.27%APY$113 over 6 months on $10,000
Requirements
Product: Membership required (purchase and maintain at least 1 share of $5.00 in Regular Savings). Automatic renewal at maturity with a 10-day grace period. Early withdrawal penalty is 180 days' dividends.
Offer: Dividends paid monthly; reinvestment or payout option. Automatic renewal at maturity.
2.25% interest rate · Effective Feb 1, 2024
Rate checked
More details - First National Bank of AspermontThree Month CDCD · 3 months · $500 min · 2.27%–2.38% by balance
Bank · 1 branch
2.27%APY$56 over 3 months on $10,000Requirements
Product: Interest compounded quarterly and paid by check quarterly. 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.
2.25% interest rate · Compounded quarterly · Effective Oct 30, 2025
Rate by balance
Rate by balance for Three Month CD Balance APY $500 – $100,000Your amount 2.27% $100,000 and up 2.38% Rate checked
More details - 2.27%APY$227 over 1 year on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: A penalty will be imposed for early withdrawal.
2.25% interest rate · Effective Mar 2, 2026
Rate checked
More details - Jefferson BankCertificates of DepositCD · 12 months · $1,000 min · 2.25%–3.25% by balance
Bank · 13 branches
2.25%APY$225 over 1 year on $10,000Requirements
Product: Automatically renewable. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Free Online and Mobile Banking, free Automated Phone Banking with Jeff-Line, and free Combined Monthly Statements.
Offer: Tier 1 ($1,000.00-$99,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings.
2.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $100,000Your amount 2.25% $100,000 – $500,000 2.50% $500,000 – $2,000,000 3.00% $2,000,000 and up 3.25% Rate checked
More details - First National Bank Texas1 Year (12 Month) Fixed Rate CDCD · 12 months · $500 min · 2.25%–2.75% by balance
Bank · 296 branches
2.25%APY$225 over 1 year on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
2.23% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 1 Year (12 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 2.25% $50,000 and up 2.75% Rate checked
More details - Faith Cooperative Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
2.25%APY$225 over 1 year on $10,000Requirements
Product: Fixed-rate CD. Multiple terms from 12 months to 24 months. Open with as little as $500. Automatic renewal at maturity. Ten-calendar-day grace period after maturity to change investment term or withdraw without penalty.
Offer: 1 Year Certificate. Minimum balance required $1000 to earn stated APY.
Rate checked
More details - 2.25%APY$1,177 over 60 months on $10,000
Requirements
Product: Certificates may be set up for auto-renewal at time of issuance. A penalty of 50% of interest for the life of the certificate or 180 days, whichever is greater, is imposed for early principal withdrawal. A 30-day notice is mailed prior to renewal date. Rates are set by the Board of Directors and subject to change without notice.
Offer: Dividends credited monthly.
2.22% interest rate
Rate checked
More details - FAA Federal Credit UnionShare CertificatesCD · 60 months · $500 min · 2.20%–2.30% by balance
Credit union · 1 branch
2.20%APY$1,149 over 60 months on $10,000Requirements
Product: Fixed rates; higher rates by selecting longer term or higher balance tier. Early withdrawal penalty applies: 90 days dividends for terms of 1 year or less, 180 days dividends for terms greater than 1 year. NCUA insured up to $250,000. No setup or maintenance fees.
Offer: Term is 60 Month (1825 days). Penalty for early withdrawal.
2.18% interest rate · Effective Jan 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 2.20% $50,000 and up 2.30% Rate checked
More details - 2.07%APY$51 over 3 months on $10,000
Requirements
Product: Earn a fixed rate of interest for a fixed period of time.
Rate checked
More details - HEB Federal Credit UnionTerm Share CertificateCD · 12 months · $1,000 min · 1.44%–2.05% by balance
Credit union · 1 branch
2.05%APY$205 over 1 year on $10,000Requirements
Product: Fixed rate paid until maturity date. Minimum $1,000 to open and earn dividends for tier 1 ($1,000.00 - $9,999.99); $10,000 to open and earn dividends for tier 2 (greater than $9,999.99). If account balance falls below disclosed minimum balance requirement, early withdrawal penalties will be assessed and account will be closed. Additional deposits after opening not permitted until maturity date. Early withdrawal penalty applies: 90 days dividends for terms 11 months or less (or 6 months or less per web page), 180 days dividends for 12 to 24 months, 365 days dividends for 36 months or greater. Automatic renewal at maturity with a 10-day grace period.
Offer: Requires $1,000.00 each day to earn dividends.
1.43% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 – $10,000 1.44% $10,000 and upYour amountRequires $10,000.00 each day to earn dividends. 2.05% Rate checked
More details - 2.02%APY$17 over 1 months on $10,000
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