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 91–105 results in Texas
- 4.15%APY$240 over 7 months on $10,000
Requirements
Product: Early withdrawal may be subject to penalties. Minimum deposit is $1,000. Terms range from 6 months to 60 months. Dividends can be paid to Savings/Checking account or compounded monthly. Election remains in effect until maturity. Certificate may automatically renew or deposit into Savings/Checking upon maturity.
Offer: 7 Month Special
4.07% interest rate · Compounded monthly · Effective Sep 1, 2026
Rate checked
More details - Complex Community Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 4.13%–4.24% by balance
Credit union · 10 branches
4.13%APY$413 over 1 year on $10,000Requirements
Product: Minimum deposit $500, Jumbo $90,000. A 90 day dividends penalty will be imposed for early principal withdrawal. Rate subject to change without notice.
Offer: Members Advantage. A 90 day dividends penalty will be imposed for early principal withdrawal.
4.05% interest rate · Effective Jan 1, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.13% $90,000 and upJumbo. 4.24% Rate checked
More details - 4.10%APY$101 over 3 months on $10,000with conditions
Requirements
Product: High-Yield Rewards Checking Account required.
Offer: High-Yield Rewards Checking Account required.
Qualified rate · 4.02% interest rate · Effective Oct 13, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - Mobility Credit UnionLimited Time New Money 6-Month Certificate SpecialCD · 6 months · $500 min
Credit union · 3 branches
4.10%APY$203 over 6 months on $10,000intro rateRequirements
Product: New money only. Early withdrawal penalty may apply. Minimum balance of $100.00 required to earn dividends.
Offer: New money only.
Promotional rate · 4.02% interest rate · Effective Sep 17, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: Early withdrawal penalty may apply.
4.02% interest rate · Effective Sep 18, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: All new CDs will be quarterly transfer of interest to savings account.
Offer: Quarterly transfer of interest to savings account.
Effective Jan 1, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 4.01% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Fixed rates higher than regular savings.
Offer: Limited time offer. Upon maturity, the 13 month certificate rate and term will rollover to the published 12-month certificate of deposit rate and terms at the time of rollover.
Promotional rate · 4.04% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: Dividends compound quarterly. Federally insured up to $250,000 by NCUA. Once opened, additional deposits are not permitted until maturity. Early withdrawal subject to penalty. Renews automatically with a 10-day grace period.
Offer: Promotional rate; tier for balance $500
Promotional rate · Effective Sep 14, 2026
Rate checked
More details - 4.10%APY$515 over 15 months on $10,000intro rate
Requirements
Product: Interest compounds on a monthly basis.
Offer: 15 Month Special
Promotional rate · 4.03% interest rate · Effective Sep 16, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 38 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Requires a Savings account to purchase a certificate. Dividends compounded daily and credited monthly. Penalty will or may be imposed for early withdrawal.
4.03% interest rate · Compounded daily · Effective Sep 3, 2026
Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$873 over 25 months on $10,000intro rate
Requirements
Product: Must be 18 years of age or older. Only one rate increase allowed during 25-month term to match the Standard 18-Month CD rate upon member request via secure communication. At end of term, converts and renews as a standard 18-Month CD. Not offered on trusts, business accounts, or IRAs. Early withdrawal penalty applies.
Offer: Interest compounded daily. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Compounded daily · Effective Sep 23, 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
2,852 CDs at 397 banks and credit unions · checked Oct 16–22
- Typical
- 3.29%
- Top 10% from
- 4.00%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.49%
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