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 of 22 results in McAllen, TX metro
- Gulf Coast Federal Credit UnionTerm Share Accounts(C.D.’S)CD · 12 months · $500 min
Credit union · 1 branch
4.30%APY$430 over 1 year 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.
4.22% interest rate · Effective Oct 23, 2026
Rate checked
More details - Greater Texas Credit UnionTerm Share Certificates/Certificates of DepositCD · 12 months · $1,000 min · 4.00%–4.10% by balance
Credit union · 1 branch
4.00%APY$400 over 1 year 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.
3.92% 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 4.00% $95,000 and upJumbo certificate. 4.10% Rate checked
More details - Edinburg Teachers Credit UnionCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply. Rates subject to change at any time without notice. Minimum opening deposit $1,000.
Offer: Minimum balance required to earn APY is $1,000.00. Early withdrawal penalties apply. Rates are subject to change at any time without notice.
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
3.65% interest rate · Effective Sep 24, 2026
Rate checked
More details - Rally Credit UnionCertificates of Deposit (CDs)CD · 12 months · $1,000 min · 3.60%–4.10% by balance
Credit union · 7 branches
3.60%APY$360 over 1 year 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.
3.55% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 3.60% $100,000 and up 4.10% Rate checked
More details - NAFT Federal Credit UnionTerm Share CertificatesCD · 12 months · $1,000 min
Credit union · 2 branches
3.55%APY$355 over 1 year on $10,000Requirements
Product: Penalty may apply for early withdrawal.
Offer: Dividends Paid: Quarterly.
3.50% interest rate
Rate checked
More details - 3.19%APY$319 over 1 year 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.
Offer: 1 Year Fixed or Variable. For variable rate accounts, the rate may change after the account is opened.
3.15% interest rate · Effective Oct 30, 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 - Frost BankFrost Certificate of Deposit AccountCD · 12 months · $1,000 min · 2.90%–3.35% by balance
Bank · 4 branches
2.90%APY$290 over 1 year 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: 12 Month CD. Minimum deposit $1,000. Penalty may be imposed for early withdrawal.
Effective Oct 30, 2026
Rate by balance
Rate by balance for Frost Certificate of Deposit Account Balance APY $1,000 – $100,000Your amount 2.90% $100,000 and up12 Month Jumbo CD. Minimum deposit $100,000. 3.35% Rate checked
More details - Security First Credit UnionTerm Share CertificatesCD · 12 months · $500 min · 2.43%–4.25% by balance
Credit union · 5 branches
2.43%APY$243 over 1 year on $10,000Requirements
Product: Dividends compounded and credited monthly. Penalty for early withdrawal. Minimum balance of $500.00. Fees may reduce earnings.
Offer: Special promotional rate; promotion does not apply to IRAs. $500 minimum deposit required.
4.17% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 and up 4.25% $1,000 – $25,000Your amount 2.43% $25,000 – $50,000 2.48% $50,000 – $100,000 2.58% $100,000 and up 2.69% 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 · 4 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 - 1.51%APYwith conditions
Requirements
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 · 1.50% interest rate · Effective Oct 24, 2026
Rate checked
More details - 1.50%APYwith conditions
Requirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Standard rate.
Qualified rate · 1.49% interest rate · Effective Oct 24, 2026
Rate checked
More details - 0.80%APY$80 over 1 year on $10,000
Requirements
Product: Rates effective September 15, 2011 (page effective as of 11/1/2016) and are subject to change without notice. A penalty may be imposed for early withdrawal. Minimum Balance of $1000.00. Federally insured to $250,000.00 by NCUA.
Offer: Penalty may be imposed for early withdrawal.
0.80% interest rate · Effective Nov 1, 2016
Rate checked
More details - 0.50%APY$50 over 1 year 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 · 0.50% interest rate · Effective Oct 16, 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
What 1-year CDs pay in McAllen, TX metro
23 CDs at 15 banks and credit unions · checked Oct 4–31
- Typical
- 1.51%
- Top 10% from
- 3.74%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.58%
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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
- Edinburg Teachers Credit UnionCredit union · 1 branch