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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.

Term
Location

Top CD rates

Showing 1–15 results in Bay City, TX metro

  1. Woodforest National BankCertificates of DepositCD · 9 months · $500 min

    Bank · 1 branch

    4.25%APY$317 over 9 months on $10,000
  2. Matagorda County Credit UnionShare Certificate of DepositsCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  3. TDECUStandard CDsCD · 60 months · $1,000 min

    Credit union · 1 branch

    3.95%APY$2,137 over 60 months on $10,000
  4. First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance

    Bank · 1 branch

    3.75%APY$248 over 8 months on $10,000intro rate
  5. Top Carrot, Carrot Score 88
    First Service Credit UnionSmart Growth Certificate of DepositCD · 12 months · $100 min

    Credit union · 1 branch

    3.60%APY$360 over 1 year on $10,000
  6. Top Carrot, Carrot Score 88
    First Service Credit UnionCertificate of DepositCD · 12 months · $1,000 min · 3.60%–3.70% by balance

    Credit union · 1 branch

    3.60%APY$360 over 1 year on $10,000
  7. First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance

    Bank · 1 branch

    3.50%APY$203 over 7 months on $10,000intro rate
  8. Baycel Federal Credit UnionShare CertificateCD · 12 months · $1,000 min

    Credit union · 3 branches

    3.49%APY$349 over 1 year on $10,000
  9. First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance

    Bank · 1 branch

    3.25%APY$353 over 13 months on $10,000
  10. The First State BankCDSCD · 24 months · $1,000 min

    Bank · 2 branches

    2.68%APY$543 over 24 months on $10,000
  11. First National Bank Texas1 Year (12 Month) Fixed Rate CDCD · 12 months · $500 min · 2.25%–2.75% by balance

    Bank · 1 branch

    2.25%APY$225 over 1 year on $10,000
  12. First National Bank Texas9 Month Fixed Rate CDCD · 9 months · $5,000 min

    Bank · 1 branch

    2.00%APY$150 over 9 months on $10,000
  13. First National Bank Texas6 Month Fixed Rate CDCD · 6 months · $500 min · 1.85%–2.00% by balance

    Bank · 1 branch

    1.85%APY$92 over 6 months on $10,000
  14. First National Bank Texas2 Year (24 Month) Fixed Rate CDCD · 24 months · $500 min · 1.81%–2.02% by balance

    Bank · 1 branch

    1.81%APY$365 over 24 months on $10,000
  15. First National Bank Texas5 Year (60 Month) Fixed Rate CDCD · 60 months · $500 min · 1.66%–1.76% by balance

    Bank · 1 branch

    1.66%APY$858 over 60 months on $10,000

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 Bay City, TX metro

53 CDs at 7 banks and credit unions · checked Oct 6–16

Typical
2.68%
Top 10% from
3.75%
Banks, typical
2.25%
Credit unions, typical
3.55%

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Bay City, TX metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. First Service Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate