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 541–555 results in Texas
- 0.50%APY$50 over 1 year on $10,000
Requirements
Product: Rates are subject to change without notice. Minimum opening deposit $1,000. Assumes all interest will remain on deposit until maturity. Penalties may be imposed for early withdrawal.
Offer: Term 1 Year.
0.50% interest rate · Effective Apr 29, 2026
Rate checked
More details - Sweetwater Regional Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
0.41%APY$41 over 1 year on $10,000Requirements
Product: All Share Certificates require a minimum deposit of at least $1,000.00. Dividends are calculated and posted to your account quarterly. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply.
0.40% interest rate
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 23, 2026
Rate checked
More details - First National Bank Texas12 Month Variable Rate CDCD · 12 months · $500 min · 0.35%–0.40% by balance
Bank · 296 branches
0.35%APY$35 over 1 year on $10,000Requirements
Product: The rate shown applies to all existing and renewing Variable Rate CDs (6 months through 18 months). Add-on feature: You may add to this CD at any time. $25 minimum add-on deposit.
Offer: Rate subject to change at any time without notice after opening. Applies to existing and renewing Variable Rate CDs (6-18 months). Add-on deposit min $25. Early withdrawal penalties apply.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 12 Month Variable Rate CD Balance APY $500 – $50,000Your amount 0.35% $50,000 and up 0.40% Rate checked
More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Product: No additional deposits allowed. No withdrawals allowed. 90 day interest penalty for early withdrawal if closed prior to maturity date. At maturity Certificate is closed and funds transferred to savings account.
0.30% interest rate · Balance cap $250,000
Rate checked
More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - First National Bank Texas3 Month Fixed Rate CDCD · 3 months · $500 min · 0.25%–0.30% by balance
Bank · 296 branches
0.25%APY$6 over 3 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited at maturity.
0.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 3 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 0.25% $50,000 and up 0.30% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 23, 2026
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More details - 0.20%APY$40 over 24 months on $10,000
- MapleMark BankTraditional Certificates of Deposit (CDs)CD · 3 months · $1,000 min · 0.15%–4.05% by balance
Bank · 1 branch
0.15%APY$4 over 3 months on $10,000Requirements
Offer: In branch. Interest is compounded and credited monthly. Daily balance calculation.
0.15% interest rate
Rate by balance
Rate by balance for Traditional Certificates of Deposit (CDs) Balance APY Up to $25,000Your amount 0.15% $25,000 and up 4.05% Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Maturity terms from 1-60 months. Interest compounded annually on CDs over one year. Automatic renewal. Penalty for early withdrawal. $1,000 minimum opening deposit.
Compounded annually · Effective Apr 1, 2024
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
More details - USAA Federal Savings BankAdjustable Rate Certificate of DepositCD · 36 months · $1,000 min
Bank · 1 branch
0.01%APY$3 over 36 months on $10,000Requirements
Product: Allows a one-time adjustment to the new rate, up to 2% higher, if interest rates rise. Exclusively for USAA members. Early withdrawal penalty applies. Minimum initial deposit: $1,000 for Standard, $95,000 for Jumbo, $175,000 for Super Jumbo.
Offer: Standard CD, 3 years term.
0.01% interest rate · Effective Oct 3, 2026
Rate checked
More details - 0.00%APY$0 over 3 months on $10,000
Requirements
Product: The interest rate and Annual Percentage Yield (APY) will not change for the term of the account. The Annual Percentage Yield assumes interest remains on deposit until maturity. Certificates of Deposit (CDs) carry an early withdrawal penalty equal to 90 days interest for all terms and balance tiers.
0.00% interest rate · Effective Oct 6, 2026
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%
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