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 1–15 results in McAllen, TX metro
- 4.44%APY$220 over 6 months on $10,000
4.35% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 13 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - Greater Texas Credit UnionTerm Share Certificates/Certificates of DepositCD · 60 months · $1,000 min · 4.25%–4.35% by balance
Credit union · 1 branch
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.
Offer: Regular certificate. Compounded daily, paid quarterly.
4.16% interest rate · Compounded daily · Effective Jul 1, 2026
Rate by balance
Rate by balance for Term Share Certificates/Certificates of Deposit Balance APY $1,000 and upYour amount 4.25% $95,000 and upJumbo certificate. 4.35% Rate checked
More details - Gulf Coast Federal Credit UnionTerm Share Accounts(C.D.’S)CD · 6 months · $500 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000Requirements
Product: Dividends are calculated by the average daily balance method and paid monthly. A penalty is imposed for early withdrawal. Requires a minimum balance of $500.
3.93% interest rate · Effective Jul 31, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Lock in a fixed rate for the entire term.
Offer: Fixed rate for the entire term.
Rate checked
More details - Rally Credit UnionCertificates of Deposit (CDs)CD · 15 months · $1,000 min · 3.80%–4.30% by balance
Credit union · 7 branches
3.80%APY$477 over 15 months on $10,000Requirements
Product: Automatically renews at maturity to a 1-year term at the then-current rate. Early withdrawal penalties apply and withdrawals reduce APY.
3.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 3.80% $100,000 and up 4.30% 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 · 4 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 - 3.74%APY$185 over 6 months on $10,000
Requirements
Product: Penalty may apply for early withdrawal.
Offer: Dividends Paid: At Maturity.
3.70% interest rate
Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 4 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 - 3.33%APY$165 over 6 months on $10,000
Requirements
Product: $1,000 minimum is required to open account. A fee will be imposed for early withdrawal from CDs. Fees could reduce the earnings on the account. For CDs with maturities of 7 days through 364 days, interest is paid at the end of the term. For CDs with maturities of 1 year or greater, interest is paid quarterly and can be paid out or capitalized based on customer's discretion. Interest payments requested on a basis more frequent than quarterly will have a reduced APY. Posted APY may vary depending on term chosen.
3.30% interest rate · Effective Oct 6, 2026
Rate checked
More details - Frost BankFrost Certificate of Deposit AccountCD · 3 months · $1,000 min · 3.30%–4.00% by balance
Bank · 4 branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Fixed amount of interest in return. Account automatically renews at maturity with 10 calendar days grace period to withdraw funds without penalty. Penalty may be imposed for early withdrawal. Balance may be used to waive monthly service charges for a Frost consumer checking account (Frost Personal Account, Frost Plus Account, or Frost Premium Account).
Offer: 90 Day CD. Minimum deposit $1,000. Penalty may be imposed for early withdrawal.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Frost Certificate of Deposit Account Balance APY $1,000 – $100,000Your amount 3.30% $100,000 and up90 Day Jumbo CD. Minimum deposit $100,000. 3.65% $500,000 and up90 Day Jumbo CD. Minimum deposit $500,000. Visit a Frost financial center for CDs of $500,000 and over. Interest rate and APY may change at any time at bank discretion. 4.00% 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 · 4 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
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 McAllen, TX metro
195 CDs at 15 banks and credit unions · checked Oct 16–22
- Typical
- 1.75%
- Top 10% from
- 3.78%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.08%
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McAllen, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- NAFT Federal Credit UnionCredit union · 2 branches