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 1–5 results in Gainesville, TX metro
- 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
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
Rate checked
More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalties apply (30 days' dividends for terms of 12 months or less; 90 days' dividends for terms longer than 12 months).
Offer: Early withdrawal penalty is 30 days' dividends.
3.75% interest rate · Effective Sep 19, 2025
Rate checked
More details - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: Minimum balance to open and earn is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Rates subject to change without notice.
Offer: Regular CD only.
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 1 branch
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
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 Gainesville, TX metro
31 CDs at 5 banks and credit unions · checked Oct 6–22
- Typical
- 3.50%
- Top 10% from
- 4.00%
- Banks, typical
- 2.13%
- Credit unions, typical
- 3.50%
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Gainesville, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- DATCUCredit union · 1 branch