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 Houston, TX metro
- 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - Memorial Credit UnionShare Certificate of DepositCD · 12 months · $1,000 min
Credit union · 5 branches
3.19%APY$319 over 1 year on $10,000Requirements
Product: Membership required. APY assumes dividends remain in the account until maturity. Early withdrawal penalty applies. Minimum opening deposit $1,000.
Offer: APY assumes dividends remain in account until maturity. Early withdrawal penalty applies.
3.15% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - First Tech Federal Credit UnionBump Up Share CertificatesCD · 18 months · $500 min · 3.15%–3.40% by balance
Credit union · 1 branch
3.15%APY$476 over 18 months on $10,000Requirements
Product: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.
Offer: Add more money once per term.
3.10% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Up Share Certificates Balance APY Up to $100,000Your amount 3.15% $100,000 and upJumbo tier. 3.40% Rate checked
More details - 3.14%APY$156 over 6 months on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal. Annual percentage yield assumes that interest remains on deposit until maturity.
Offer: Term: 6 Months; Under $100,000 tier; Early withdrawal penalty applies
3.09% interest rate · Effective Mar 16, 2026
Rate checked
More details - Houston Highway Credit UnionCertificates of Deposit (CD)CD · 12 months · $1,000 min
Credit union · 1 branch
3.09%APY$309 over 1 year on $10,000Requirements
Product: Members can add to their CD at any time while keeping their original rate and term. Penalty for early withdrawal. 7-day grace period after maturity.
Rate checked
More details - 3.05%APY$50 over 2 months on $10,000intro rate
Requirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate checked
More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
Rate checked
More details - 3.04%APY$618 over 24 months on $10,000
Requirements
Product: SECU members can open a 6, 12, 18, 24 or 36-month CD.
3.00% interest rate
Rate checked
More details - 3.00%APY$174 over 7 months on $10,000
Requirements
Product: No monthly fee. Withdraw your money at any time and pay no penalties.
Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$376 over 15 months on $10,000
Requirements
Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.
Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $500,000 · Effective Oct 1, 2026
Rate checked
More details - Members Choice Credit UnionStandard Certificates of Deposit (CD)CD · 18 months · $500 min
Credit union · 8 branches
3.00%APY$453 over 18 months on $10,000Requirements
Product: Fixed rate for initial term. After account start, additional deposits not permitted. Early withdrawal penalties apply.
2.96% interest rate · Balance cap $99,999.99 · Effective Oct 6, 2026
Rate checked
More details - First Community Credit Union5 Year Flex Access CDCD · 60 months · $500 min · 2.80%–2.85% by balance
Credit union · 15 branches
2.80%APY$1,481 over 60 months on $10,000Requirements
Product: Allows up to a 20% withdrawal of the original CD principal balance, less any previously withdrawn funds, one time each year of the term without penalty. Amounts over maximum allowable may be subject to early withdrawal penalties. Interest compounded daily and credited monthly. Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K. Up to 20% penalty-free withdrawal once per year.
Compounded daily
Rate by balance
Rate by balance for 5 Year Flex Access CD Balance APY Up to $100,000Your amount 2.80% $100,000 and upFor balances > $100K. 2.85% Rate checked
More details - 2.70%APY$547 over 24 months on $10,000
Requirements
Product: APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $100 with DD/PR or $500. Maximum initial deposit $1,000. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.
Offer: 2 Year Builder CD rate.
Compounded daily
Rate checked
More details - First Community Credit UnionFlex CDCD · 24 months · $500 min · 2.70%–2.75% by balance
Credit union · 15 branches
2.70%APY$547 over 24 months on $10,000Requirements
Product: Regular only. APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $500. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.
Offer: 2 Year Flex CD rate tier <100K balance. Allows one rate increase per term.
Compounded daily
Rate by balance
Rate by balance for Flex CD Balance APY Up to $100,000Your amount 2.70% $100,000 and up2 Year Flex CD rate tier >100K balance. 2.75% 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%
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