Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Austin, TX metro
- 4.25%APY$425 over 1 year on $10,000intro rate
Requirements
Product: Must be a TruWest member with a minimum $5 deposit and continuing balance. Minimum certificate balance of $500.
Offer: Effective as of 2026-09-23. Subject to change.
Promotional rate · 4.16% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Available for personal accounts only. Interest calculated and accrued daily based on daily balance and paid monthly. Fixed rate through maturity. Early withdrawal penalty may apply. Preferred Pricing rate increases may apply based on combined relationship balances. Deposit of $1,000 required within 10 business days of opening.
Offer: 12 Months term. No minimum balance requirement to obtain APY.
4.11% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
4.07% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000intro rate
Requirements
Product: No setup or maintenance fees. Accounts are subject to penalty for early withdrawal, and terms renew automatically. Insured up to $500,000.
Offer: Must maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal.
Promotional rate · Effective Jun 17, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000intro rate
Requirements
Product: No setup or maintenance fees. Accounts are subject to penalty for early withdrawal, and terms renew automatically. Insured up to $500,000.
Offer: Limited-time offer. $1,000 minimum balance to open certificate and earn dividends. Penalty for early withdrawal.
Promotional rate · Effective Jul 1, 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 - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Fixed rate, simple interest CD. Automatically renewable. Penalty for early withdrawal.
Offer: 1 Year CD. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to three month's interest. Redeemable on day of maturity or within 10 days after without penalty.
4.00% interest rate · Effective Sep 29, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 1 branch
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - Austin Telco Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 4.01%–4.22% by balance
Credit union · 22 branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Funds must remain on deposit for the term of the certificate or penalties apply: terms of 12 months or less - 90 days dividends; terms of over 12 months - 180 days dividends. Minimum balance requirements: $1,000 for regular certificates, $95,000 for Jumbo, and $225,000 for Super Jumbo.
3.95% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $94,999Your amount 4.01% $95,000 – $224,999 4.11% $225,000 and up 4.22% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Minimum balance $1,000.00. Automatic renewal at end of term with a 10-day grace period. Early withdrawal penalty applies (terms of 1 year or less: 90 days loss of dividends; terms greater than 1 year: 180 days loss of dividends).
3.93% interest rate · Effective Oct 16, 2026
Rate checked
More details - Greater Texas Credit UnionTerm Share Certificates/Certificates of DepositCD · 12 months · $1,000 min · 4.00%–4.10% by balance
Credit union · 7 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.
Offer: Regular certificate. Compounded daily, paid quarterly.
3.92% interest rate · Compounded daily · Effective Jul 1, 2026
Rate by balance
Rate by balance for Term Share Certificates/Certificates of Deposit Balance APY $1,000 and upYour amount 4.00% $95,000 and upJumbo certificate. 4.10% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.
Effective Oct 2, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.
Offer: CD rates over $1 million.
Effective Oct 2, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Open to new and existing customers. A penalty for early withdrawal may/will be imposed. Fees may reduce earnings. $1,000 minimum balance required to earn the APY.
Offer: 12-month term. Early withdrawal penalties will/may be imposed.
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 1-year CDs pay in Austin, TX metro
59 CDs at 50 banks and credit unions · checked Oct 16–22
- Typical
- 3.55%
- Top 10% from
- 4.07%
- Banks, typical
- 2.90%
- Credit unions, typical
- 3.83%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Austin, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 2 branches
- Government Employees FCUCredit union · 6 branches
- Cornerstone Capital BankBank · 1 branch