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 Dallas, TX metro
- 4.52%APY$452 over 1 year on $10,000
Requirements
Offer: Branch account with $1,000 minimum deposit
Effective Oct 6, 2026
Rate checked
More details - 4.39%APY$439 over 1 year on $10,000
Requirements
Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.
4.30% interest rate · Effective Oct 5, 2026
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More details - 4.34%APY$434 over 1 year on $10,000
Requirements
Product: Minimum deposit to open is $1,000. Dividends are compounded daily and paid monthly. Early withdrawal penalty applies.
Offer: Compounded daily, paid monthly. Penalty for early withdrawal.
4.25% interest rate · Compounded daily · Effective Oct 15, 2026
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More details - 4.33%APY$433 over 1 year on $10,000
Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded monthly.
4.25% interest rate · Compounded monthly · Effective Oct 7, 2026
Rate checked
More details - Citizens National Bank of TexasCNB Certificate of DepositCD · 12 months · $1,000 min
Bank · 10 branches
4.33%APY$433 over 1 year on $10,000Requirements
Offer: APY is based on an minimum deposit of $1,000. Rates are subject to change. A penalty may be assessed for early withdrawal.
Effective Sep 9, 2025
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More details - 4.32%APY$432 over 1 year on $10,000
Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded quarterly.
4.25% interest rate · Compounded quarterly · Effective Oct 7, 2026
Rate checked
More details - Member Preferred Federal Credit UnionFLEX CertificateCD · 12 months · $2,500 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Open to new and existing members (non-members must qualify for MPFCU membership and open a Regular Share Savings Account with $25 minimum opening deposit). Opening deposit must be funds not already with Member Preferred FCU. Minimum $2,500 deposit required to open and earn APY. Allows 1 additional deposit ($500 minimum) per calendar month (up to 11 deposits per term) and 1 penalty-free withdrawal ($500 minimum) per calendar month. Withdrawals cannot reduce certificate balance below $2,500 or 50% (or 60% in disclosures) of original opening deposit, whichever is greater.
Offer: Promotional rate and APY for 12 months term. Minimum deposit $2,500 required to open and earn APY.
Promotional rate · 4.17% interest rate · Effective Sep 10, 2026
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More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Offer: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
4.12% interest rate · Compounded monthly · Effective Oct 13, 2026
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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
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your CD, or your CD must be redeemed. Early withdrawal penalty may apply.
Effective Sep 30, 2026
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More details - 4.15%APY$415 over 1 year on $10,000intro rate
Requirements
Product: Fixed rates; renews automatically; substantial penalty for early withdrawal.
Promotional rate · 4.07% interest rate · Effective Sep 1, 2026
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More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Additional deposits are not allowed during the certificate term. Interest is compounded daily. Early withdrawal penalty applies.
Offer: 12 months term. Interest compounded daily. Additional deposits not allowed.
4.02% interest rate · Compounded daily · Effective Sep 23, 2026
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More details - 4.10%APY$410 over 1 year 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
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More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Daily balance method used to calculate interest.
Offer: 12 Month EZ Saver. Interest compounded: Quarterly. Interest credited: Quarterly.
4.04% interest rate · Effective Oct 10, 2026
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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 Dallas, TX metro
147 CDs at 116 banks and credit unions · checked Oct 15–22
- Typical
- 3.50%
- Top 10% from
- 4.09%
- Banks, typical
- 2.89%
- Credit unions, typical
- 3.55%
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Dallas, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Prestige Community CUCredit union · 2 branches
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 2 branches