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 121–135 results in Dallas, TX metro
- 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Membership required. Dividends compounded and credited quarterly. Automatically renews at maturity for the same or closest available term and dividend rate/APY in effect at renewal, unless changed during 7-day grace period. Early withdrawal penalty: terms 6 months through 1 year subject to 90 days' dividends; terms greater than 1 year subject to 180 days' dividends. Original terms 24 months or longer are eligible for a one-time rate increase during the original term if certificate rates increase.
Offer: Minimum balance to open and earn advertised APY is $1,000.
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 16 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - Natural Resources Conservation Service FCUTerm Share Certificate AccountsCD · 6 months · 0.00%–3.70% by balance
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Offer: Current rate
Rate by balance
Rate by balance for Term Share Certificate Accounts Balance APY Up to $1,000 0.00% $1,000 – $4,999New Member/New Money 3.27% $5,000 – $9,999New Member/New Money 3.39% $10,000 – $24,999Your amountNew Member/New Money 3.50% $25,000 – $49,999New Member/New Money 3.60% $50,000 and upNew Member/New Money 3.70% Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 83 branches
3.50%APY$203 over 7 months on $10,000intro rateRequirements
Product: Promotional CD. Automatically renews into a 6-month CD at maturity.
Offer: Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply.
Promotional rate · 3.21% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 7 Month Fixed Rate CD Balance APY $500 – $10,000 3.25% $10,000 – $50,000Your amount 3.50% $50,000 – $100,000Promotional CD offer; visit branch to open. 4.00% $100,000 and up 4.20% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed rate. Daily balance method. Early withdrawal penalty is 90 days of dividends earned. No service fees. Automatically renews; 5-day grace period following maturity. No deposits or withdrawals permitted after opening until maturity.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
3.50% interest rate
Rate checked
More details - 3.50%APY$560 over 19 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - Southwest Airlines Federal Credit UnionTerm Share Certificates (Regular)CD · 48 months · $1,000 min
Credit union · 1 branch
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Penalties may apply for early withdrawal. Minimum of $1,000 to open. Dividends compounded/paid quarterly.
3.45% interest rate · Effective Aug 24, 2026
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Offer: Early withdrawal penalty applies. Dividends compound daily.
3.44% interest rate · Effective Oct 9, 2026
Rate checked
More details - TruGrocer Federal Credit UnionSmall Saver Share CertificateCD · 6 months · $500 min
Credit union · 1 branch
3.45%APY$171 over 6 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $500 with terms up to 60 months.
3.40% interest rate · Compounded monthly
Rate checked
More details - Trinity BankCertificates of DepositCD · 12 months · $1,000 min · 3.45%–3.75% by balance
Bank · 1 branch
3.45%APY$345 over 1 year on $10,000Requirements
Offer: Less than $ 1,000,000
3.41% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $1,000,000Your amount 3.45% $1,000,000 – $2,000,000 3.60% $2,000,000 and up 3.75% Rate checked
More details - 3.45%APY$433 over 15 months on $10,000intro rate
Requirements
Product: Account holder may elect to increase the interest rate once during the term of the 15-month FlexRate CD. Early withdrawal penalty may apply.
Offer: May elect to increase the interest rate once during the term.
Promotional rate · 3.41% interest rate · Effective Jul 2, 2026
Rate checked
More details - Southwest Financial Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 3.35%–3.51% by balance
Credit union · 1 branch
3.35%APY$335 over 1 year on $10,000Requirements
Product: Minimum $500 deposit. Terms range from 12 to 36 months. Opportunity to reinvest dividends in renewed Share Certificate. Withdrawals are permitted with a penalty of 180 days of dividends (earned or unearned) which may reduce principal earnings.
Offer: Penalty of 180 days of dividends (earned or unearned) for early withdrawal.
Effective May 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.35% $25,000 and up 3.40% $50,000 and up 3.45% $100,000 and up 3.51% Rate checked
More details - Southside BankCertificates of DepositCD · 18 months · $1,000 min · 3.34%–3.55% by balance
Bank · 14 branches
3.34%APY$505 over 18 months on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal prior to maturity. Minimum deposit to open and minimum balance required to obtain disclosed APY vary by balance tier.
Offer: Must maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal.
Promotional rate · 3.30% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 3.34% $100,000 and up 3.55% Rate checked
More details - 3.33%APY$165 over 6 months on $10,000
Requirements
Product: $1,000 minimum is required to open account. A fee will be imposed for early withdrawal from CDs. Fees could reduce the earnings on the account. For CDs with maturities of 7 days through 364 days, interest is paid at the end of the term. For CDs with maturities of 1 year or greater, interest is paid quarterly and can be paid out or capitalized based on customer's discretion. Interest payments requested on a basis more frequent than quarterly will have a reduced APY. Posted APY may vary depending on term chosen.
3.30% interest rate · 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 CDs pay in Dallas, TX metro
1,059 CDs at 128 banks and credit unions · checked Oct 15–22
- Typical
- 3.20%
- Top 10% from
- 4.08%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.50%
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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