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 61–75 results in Houston, TX metro
- 3.95%APY$2,137 over 60 months on $10,000
Requirements
Product: Minimum opening deposit is $1,000. Membership with TDECU required. Insured up to $250,000 by NCUA. Penalty for early withdrawal.
Offer: Base Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%).
3.88% interest rate · Balance cap $49,999.99 · Effective Sep 16, 2026
Rate checked
More details - Bank of the OrientCertificate of DepositCD · 13 months · $10,000 min · 3.93%–4.08% by balance
Bank · 2 branches
3.93%APY$426 over 13 months on $10,000intro rateRequirements
Product: Limited time special rates effective start August 6, 2026 until further notice. A minimum opening deposit and minimum balance are required to earn the stated APY. Early withdrawal penalties may apply. Fees may reduce earnings. Offers may not be combined.
Offer: Limited time CD special rate for balances of $10,000 to $99,999. Early withdrawal penalties may apply.
Promotional rate · Effective Aug 6, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $10,000 – $99,999Your amount 3.93% $100,000 and up 4.08% Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionTerm Share CertificatesCD · 24 months · $1,000 min
Credit union · 3 branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Grace period of 10 days at maturity to withdraw or reinvest. Certificate reinvests automatically for the same term if not withdrawn.
3.85% interest rate · Effective Jul 9, 2026
Rate checked
More details - Gulf Coast Educators Federal Credit UnionPremium Term Share CertificateCD · 12 months · $100 min
Credit union · 9 branches
3.91%APY$391 over 1 year on $10,000with conditionsRequirements
Product: Available to Premium Deposit Account holders who use at least three qualifying services (checking account, direct deposit, loans, or Visa debit card), adding 0.50% to the dividend rate.
Offer: 12 month term. Requires Premium Deposit Account qualification.
Qualified rate · 3.85% interest rate
Rate checked
More details - Members Choice Credit UnionHigh Five Certificate (CD) LadderCD · 5 months · $2,000 min
Credit union · 8 branches
3.90%APY$161 over 5 months on $10,000Requirements
Product: Deposit program that equally divides the total deposit into four separate fixed-rate CDs with terms of 5, 10, 15, and 20 months. Each CD operates independently with its own maturity date and dividend rate, and may be redeemed separately subject to early withdrawal penalties based on its term. Minimum deposit $2,000. After start, no additional deposits allowed. Automatically renewable with 10-day grace period.
Offer: Part of 4-part ladder program.
3.83% interest rate · Effective Oct 6, 2026
Rate checked
More details - Susser BankCertificates of Deposit (CD)CD · 6 months · $1,000 min · 3.80%–3.90% by balance
Bank · 1 branch
3.90%APY$193 over 6 months 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.
3.83% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY Up to $250,000Your amount 3.90% $250,000 and upReduced rate applies. 3.80% Rate checked
More details - 3.90%APY$2,108 over 60 months on $10,000
Requirements
Product: Membership required with $1 minimum opening deposit for savings account. Dividends calculated daily, paid monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$95 over 3 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
3.78% interest rate · Effective Oct 6, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 1 branch
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.85%APY
Requirements
Product: Automatically renewing. Penalty for early withdrawals.
Offer: Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Rates offered may change without notice. A penalty may be imposed for early withdrawal.
Offer: Minimum balance to obtain APY is $1,000. Early withdrawal penalty may apply.
Effective Aug 28, 2025
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Withdrawals prior to maturity will incur a penalty. Deposit terms range from 6 months to 36 months.
3.75% interest rate · Effective Feb 1, 2026
Rate checked
More details - Houston Police Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.82%–4.02% by balance
Credit union · 3 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Excludes Traditional, Roth and Roth Conversion Share Certificates. Compounded and credited monthly. Subject to a penalty for early withdrawal prior to maturity.
Offer: Regular type. Subject to a penalty for early withdrawal.
3.75% interest rate · Effective Mar 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.82% $100,000 and upJumbo type. 4.02% Rate checked
More details - American Baptist Association Credit UnionShare CertificatesCD · 24 months · $1,000 min · 3.82%–4.86% by balance
Credit union · 1 branch
3.82%APY$779 over 24 months on $10,000Requirements
Product: Early withdrawal fees may apply. Rates are subject to change.
Offer: Balance tier: $1,000 to $99,999.
3.75% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $99,999Your amount 3.82%* $100,000 and up 4.86%* Rate checked
More details - Harris County Federal Credit UnionPayroll Deduction CertificateCD · 36 months · $35 min
Credit union · 1 branch
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Funded via payroll deduction ($35.00 – $105.00 per pay period). Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Houston, TX metro
944 CDs at 107 banks and credit unions · checked Oct 15–22
- Typical
- 3.25%
- Top 10% from
- 4.04%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch