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 16–30 results in Killeen, TX metro
- First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 23 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: Membership is open to anyone who lives, works, attends school, or owns a business in Bell County, Texas.
3.50% interest rate
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 - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Offered from six months to three years. Early withdrawal penalties will or may be imposed on term share accounts. Fees could reduce earnings.
Offer: Early withdrawal penalty will or may be imposed on term share accounts. Fees could reduce earnings.
3.40% interest rate · Effective Feb 24, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 23 branches
3.25%APY$353 over 13 months on $10,000Requirements
Product: 13-month CDs will automatically renew into a 12-month CD.
Offer: Automatically renews into a 12-month CD at maturity. Early withdrawal penalties apply.
3.21% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 13 Month Fixed Rate CD Balance APY $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.75% $100,000 and up 4.00% 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 - 3.03%APY$616 over 24 months on $10,000
Requirements
Product: Membership eligibility requires living, working, or worshipping within the portion of Bell County, Texas, west of Interstate 35. A penalty will be imposed for early withdrawal.
Offer: A penalty will be imposed for early withdrawal.
3.00% interest rate · Effective Dec 19, 2024
Rate checked
More details - 2.65%APY$1,103 over 48 months on $10,000
Requirements
Product: Rate may be adjusted only once during the term to the then current 48 Month Term Share Certificate Rate at the direction of the member.
Offer: Rate may be adjusted only once during the term to the then current 48 Month Term Share Certificate Rate at the direction of the member. Must maintain minimum daily balance to earn dividends and avoid service charge.
Effective Jun 17, 2026
Rate checked
More details - Educators Credit UnionRegular Certificate of Deposit (CD)CD · 24 months · $1,000 min
Credit union · 2 branches
2.53%APY$512 over 24 months on $10,000Requirements
Product: Minimum opening deposit $1,000 ($5,000 for 6 month CD). No monthly service fee. Earned interest may be withdrawn before maturity without a penalty. CDs may be used as loan collateral. Interest paid monthly. Penalty may be imposed for early withdrawal. ECU membership required.
Offer: Minimum opening deposit $1,000. A penalty may be imposed for early withdrawal.
2.50% interest rate · Effective Feb 16, 2023
Rate checked
More details - First National Bank Texas1 Year (12 Month) Fixed Rate CDCD · 12 months · $500 min · 2.25%–2.75% by balance
Bank · 23 branches
2.25%APY$225 over 1 year on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
2.23% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 1 Year (12 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 2.25% $50,000 and up 2.75% Rate checked
More details - 2.00%APY$150 over 9 months on $10,000
Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.99% interest rate · Effective Oct 1, 2026
Rate checked
More details - First National Bank Texas6 Month Fixed Rate CDCD · 6 months · $500 min · 1.85%–2.00% by balance
Bank · 23 branches
1.85%APY$92 over 6 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.84% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 6 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 1.85% $50,000 and up 2.00% Rate checked
More details - First National Bank Texas2 Year (24 Month) Fixed Rate CDCD · 24 months · $500 min · 1.81%–2.02% by balance
Bank · 23 branches
1.81%APY$365 over 24 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 2 Year (24 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 1.81% $50,000 and up 2.02% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% 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 Killeen, TX metro
227 CDs at 19 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 3.99%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.42%
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Killeen, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 4 branches
- Texell Credit UnionCredit union · 5 branches
- Navy Federal Credit UnionCredit union · 4 branches