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 76–90 results in Houston, TX metro
- 3.82%APY$1,190 over 36 months on $10,000
Requirements
Product: 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 - 3.82%APY$2,062 over 60 months on $10,000
Requirements
Product: Automatically renews at the term selected and the rate at the time of renewal. Additional deposits cannot be made during the term. Penalty for early withdrawal prior to maturity date. Membership eligibility applies (lives or works in Mesquite, Garland, Irving, Cedar Hill, or Dallas County, TX).
Offer: Dividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date.
3.75% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
- Cy-Fair FCUShare CertificateCD · 60 months · $1,000 min · 3.80%–4.00% by balance
Credit union · 6 branches
3.80%APY$2,050 over 60 months on $10,000Requirements
Product: Minimum deposit of $1,000.00 required to open. Dividends post quarterly. Early withdrawal penalties may apply. Relationship pricing bonus rates available up to +0.40% APY for qualifying active checking (+0.10%), direct deposit (+0.10%), open/current installment loan or credit card (+0.10%), and credit union membership of 3+ years (+0.10%).
3.74% interest rate · Effective Aug 7, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $25,000Your amount 3.80% $25,000 – $50,000 3.85% $50,000 – $100,000 3.90% $100,000 – $500,000 3.95% Over $500,000 4.00% Rate checked
More details - 3.79%APY$347 over 11 months on $10,000with conditions
Requirements
Product: Available only to those that have or open a new Premium Checking account. Interest must be capitalized or transferred into a Premium Checking account. Personal accounts only. Early withdrawal penalty may apply. Upon maturity, renews for an 11-month term at the rate offered on an 11-month CD at the time of renewal.
Offer: Fixed yield rates, compounded monthly. Minimum to open and obtain APY is $500. Requires having or opening a Premium Checking account.
Qualified rate · Compounded monthly · Effective Jan 24, 2025
Rate checked
More details - 3.76%APY$186 over 6 months on $10,000
Requirements
Product: Dividends paid monthly by check, to certificate, or by automatic deposit to Regular Savings or Money Market. Automatically renews at maturity unless notice given within 3 weeks prior. Early withdrawal penalty is 180 days of dividends. No partial withdrawals allowed. Federally insured up to $250,000.
Offer: Early withdrawal penalty applies.
3.70% interest rate · Effective Nov 3, 2025
Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionStep Up Share CertificatesCD · 36 months · $1,000 min
Credit union · 3 branches
3.76%APY$1,171 over 36 months on $10,000intro rateRequirements
Product: Not available for IRAs. Members who purchase a 3-year, 4-year, or 5-year step up certificate receive a one-time opportunity to increase the dividend rate on their certificate if rates rise during the term.
Promotional rate · 3.70% interest rate · Effective Jul 9, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000intro rate
Requirements
Product: Must deposit or have an existing savings or checking account. Federally insured by NCUA.
Offer: Consumer only.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Shell FCUShare CertificatesCD · 6 months · $500 min · 3.75%–3.90% by balance
Credit union · 14 branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.75% $25,000 and up 3.75% $50,000 and up 3.90% $100,000 and up 3.90% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance
Bank · 59 branches
3.75%APY$248 over 8 months on $10,000intro rateRequirements
Product: Promotions are for a limited time only. 8-month CDs will automatically renew into a 6-month CD.
Offer: Promotional CD offer. Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply. Interest compounded and credited quarterly.
Promotional rate · 3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 8 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 3.75% $50,000 – $100,000 4.25% $100,000 and up 4.25% Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 1 branch
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
More details - 3.75%APY$568 over 18 months on $10,000intro rate
Requirements
Product: Limited time offer. Member may withdraw or add additional funds during initial term only (maximum of one addition of funds and one early penalty-free withdrawal). Not eligible for businesses or IRA CDs. Membership required with $1 minimum opening deposit for savings account.
Offer: Limited to a maximum of one addition of funds and one early penalty-free withdrawal during initial term only. Not eligible for businesses or IRA CDs.
Promotional rate · Effective Feb 1, 2026
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Federally insured up to $250,000 by NCUA. Penalties may be imposed for early withdrawal. Opening deposits range from $2,500 – $250,000. Option to have interest deposited directly into USECU checking or savings account.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Smart Financial Credit UnionCertificates of DepositCD · 60 months · $1,000 min · 3.75%–3.85% by balance
Credit union · 12 branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: All accounts are subject to membership eligibility requirements. Interest compounded monthly and credited monthly and at maturity. Early withdrawal penalties apply (7 days' interest within first 6 days; all interest earned on 91-day CDs; 90 days' interest on 6-month CDs; 180 days' interest on 12-, 18-, and 24-month CDs; 270 days' interest on 30-, 36-, 48-, and 60-month CDs). No monthly service fee.
Offer: Standard Certificate tier. Daily balance method.
3.69% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and upYour amount 3.75% $50,000 and upMini Jumbo Certificate tier. 3.80% $100,000 and upJumbo Certificate tier. 3.85% 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 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%
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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