Best CD rates and certificates

Requirements

Product: Compounds monthly. Minimum amount to open: $500. Regular and Special Rates do not apply to Public Funds. Early withdrawal penalty applies.

Offer: CD Special. Term: 14 Months. Rates do not apply to Public Funds.

Requirements

Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/23/2026 and subject to change.

Offer: 18-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.

Requirements

Product: Penalty for early withdrawal. Partial withdrawals permitted with penalty on amount withdrawn. Interest is compounded every 6 months. Daily balance method used. No fee for CDs.

Offer: CD Special / All CD Offerings. Penalty for early withdrawal. Interest compounded every 6 months.

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.

Requirements

Product: All CD accounts require $10,000 minimum deposit to open. Early withdrawal penalty applies. Fees may reduce earnings.

Offer: Early withdrawal will result in a penalty. Fees may reduce earnings. Stated APR is 4.23%.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Limited time offer. Early withdrawal penalties may apply. Fees may reduce earnings. Interest compounded monthly. Offer not applicable to public entities or financial institutions.

Requirements

Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.

Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.

Requirements

Product: Fixed interest rates for guaranteed returns. Terms range from 91 days to 60 months. No setup or maintenance fees. Interest paid monthly if compounded, deposited to a Unico Bank checking/savings account, or paid via ACH; paid quarterly if paid via check. Automatically renews at maturity unless requested otherwise at opening. Early withdrawal penalty applies.

Offer: 13 Month term. Early withdrawal penalty applies.

Requirements

Product: Available only at this event. Fees may reduce earnings.

Offer: Available only at this event. Fees may reduce earnings. Stated APR is 4.1354%.

Requirements

Product: Penalty may be imposed for early withdrawal (7 Day CD - 18 Month CD: 31 days). Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Fees may reduce earnings.

Offer: Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Early withdrawal penalty: 31 days.

Requirements

Product: Online only CD special offers. Member FDIC.

Offer: Interest is compounded quarterly. Auto-renew provision with certificate renewing for 12 months at the going rate. Penalty for early withdrawal.

2 ways to earn 4.00%

Product: FDIC insured up to maximum amount allowed. Fixed rate until maturity. Early withdrawal penalty applies: 30 days interest for 7-31 days, 60 days interest for 32-89 days, 3 months interest for 90 days to 12 months, 6 months interest for greater than 12 months. 10-day grace period after maturity. Opening minimum is $500 with automatic renewal, or $2,500 for terms under 1 year without automatic renewal.

No minimum: Without automatic renewal

From $500: With automatic renewal

Requirements

Product: Available for a limited time only. 12-month special requires $10,000 new money and a new or existing Texana checking account. Available at any Texana Bank branch.

Offer: Minimum to open is $10,000 new money with a new or existing Texana checking account. Rate is subject to change at maturity. Penalty for early withdrawal before term selected; withdrawal of interest will reduce earnings.