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 San Antonio, TX metro
- 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 - 4.06%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 · 4 branches
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 - 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 - Greater Texas Credit UnionTerm Share Certificates/Certificates of DepositCD · 12 months · $1,000 min · 4.00%–4.10% by balance
Credit union · 1 branch
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: Dividends compounded and credited monthly based on the average daily balance method. Automatic renewal at maturity unless instructed differently in writing within the last 10 days before maturity. Substantial penalty for early withdrawal.
Offer: Term is 365 Days (1-Year). Early withdrawal penalty: 30 Days Dividends.
3.93% interest rate · Effective Sep 25, 2026
Rate checked
More details - Farm Bureau BankCertificate of Deposit [CD]CD · 12 months · $1,000 min · 4.00%–4.10% by balance
Bank · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
3.92% interest rate · Compounded daily
Rate by balance
Rate by balance for Certificate of Deposit [CD] Balance APY $1,000 – $49,999Your amount 4.00% $50,000 and upJumbo CD tier. 4.10% Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.97%–4.13% by balance
Credit union · 2 branches
3.97%APY$397 over 1 year on $10,000Requirements
Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
3.90% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.97% $50,001 and up 4.02% $100,001 and up 4.07% $250,001 and up 4.13% Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 12–17 months · $500 min
Credit union · 20 branches
3.95%APYRequirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.88% interest rate · Effective Oct 16, 2026
Rate checked
More details - Susser BankCertificates of Deposit (CD)CD · 12 months · $1,000 min · 3.75%–3.85% by balance
Bank · 1 branch
3.85%APY$385 over 1 year on $10,000Requirements
Product: CD APY assumes principal and interest remain on deposit until maturity. Periodic payout of interest is required (interest earned paid via direct deposit). Penalty for early withdrawal. Rates subject to change without notice.
Offer: Rate for balances ≤ $250,000. APY cannot remain on CD; periodic payout of interest is required.
3.78% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY Up to $250,000Your amount 3.85% $250,000 and upReduced rate applies. 3.75% Rate checked
More details - 3.81%APY$381 over 1 year on $10,000
Requirements
Product: Dividends are calculated using the daily balance method. Penalties are assessed for early withdrawal. Rates are subject to change.
Offer: Penalty assessed for early withdrawal.
3.75% interest rate · Effective Feb 2, 2026
Rate checked
More details - 3.80%APY
Requirements
Product: New accounts only (6-18 months; listed under balances greater than $9,999.99 requiring $10,000.00 to open and on deposit each day to earn dividends; additional deposits not permitted after opening; membership required).
Offer: Requires $10,000.00 to open and $10,000.00 on deposit each day to earn dividends.
3.73% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Credit Union membership is required. Minimum deposit of $1,000 to open. Minimum $1,000 balance needed to earn APY. Early withdrawal penalties apply. ALLIANCE Stars & Preferred Partners receive a 0.30% APR bump on standard rates.
3.68% interest rate · Effective Oct 9, 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 San Antonio, TX metro
59 CDs at 43 banks and credit unions · checked Oct 15–22
- Typical
- 3.27%
- Top 10% from
- 4.00%
- Banks, typical
- 2.90%
- Credit unions, typical
- 3.68%
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San Antonio, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 4 branches
- CommunityAmerica Credit UnionCredit union · 1 branch