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 San Antonio, TX metro
- 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 - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends compounded and credited monthly based on the average daily balance method. Automatic renewal at maturity unless instructed differently in writing within the last 10 days before maturity. Substantial penalty for early withdrawal.
Offer: Term is 365 Days (1-Year). Early withdrawal penalty: 30 Days Dividends.
3.93% interest rate · Effective Sep 25, 2026
Rate checked
More details - Farm Bureau BankCertificate of Deposit [CD]CD · 12 months · $1,000 min · 4.00%–4.10% by balance
Bank · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
3.92% interest rate · Compounded daily
Rate by balance
Rate by balance for Certificate of Deposit [CD] Balance APY $1,000 – $49,999Your amount 4.00% $50,000 and upJumbo CD tier. 4.10% Rate checked
More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Credit Union membership is required. Minimum deposit of $1,000 to open. Minimum $1,000 balance needed to earn APY. Early withdrawal penalties apply. ALLIANCE Stars & Preferred Partners receive a 0.30% APR bump on standard rates.
3.92% interest rate · Effective Oct 9, 2026
Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min · 3.97%–4.13% by balance
Credit union · 2 branches
3.97%APY$98 over 3 months on $10,000Requirements
Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
3.90% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.97% $50,001 and up 4.02% $100,001 and up 4.07% $250,001 and up 4.13% Rate checked
More details - 3.96%APY$196 over 6 months on $10,000
Requirements
Product: Must be of legal age to apply for a deposit.
Offer: 180 Days term. Minimum deposit to open and obtain stated APY is $1,000. Penalty for early withdrawal.
Effective Feb 2, 2026
Rate checked
More details - Credit Human Federal Credit UnionSustainable Share CertificateCD · 18 months · $500 min
Credit union · 20 branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: All the benefits of regular share certificate plus a positive environmental impact. Fixed 18-month term. Open with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. APY assumes dividends remain on deposit until maturity; withdrawal of dividends will reduce earnings. Published rates and APYs are subject to change daily. NCUA insured up to $250,000. Membership eligibility required.
3.88% interest rate · Effective Oct 16, 2026
Rate checked
More details - Susser BankCertificates of Deposit (CD)CD · 6 months · $1,000 min · 3.80%–3.90% by balance
Bank · 1 branch
3.90%APY$193 over 6 months on $10,000Requirements
Product: CD APY assumes principal and interest remain on deposit until maturity. Periodic payout of interest is required (interest earned paid via direct deposit). Penalty for early withdrawal. Rates subject to change without notice.
Offer: Rate for balances ≤ $250,000. APY cannot remain on CD; periodic payout of interest is required.
3.83% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY Up to $250,000Your amount 3.90% $250,000 and upReduced rate applies. 3.80% Rate checked
More details - 3.85%APY$352 over 11 months on $10,000intro rate
Requirements
Product: Must have an S1 savings account with a minimum of $5. Minimum opening deposit is $500.
Offer: Limited-time promotional rate certificate. Compounded monthly. No additional deposits allowed after opening. At maturity, automatically renews into a 12-month CD at current rates with a 10-day grace period.
Promotional rate · 3.78% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - 3.81%APY$94 over 3 months on $10,000
Requirements
Product: Dividends are calculated using the daily balance method. Penalties are assessed for early withdrawal. Rates are subject to change.
Offer: Penalty assessed for early withdrawal.
3.75% interest rate · Effective Feb 2, 2026
Rate checked
More details - 3.80%APY
Requirements
Product: New accounts only (6-18 months; listed under balances greater than $9,999.99 requiring $10,000.00 to open and on deposit each day to earn dividends; additional deposits not permitted after opening; membership required).
Offer: Requires $10,000.00 to open and $10,000.00 on deposit each day to earn dividends.
3.73% interest rate · Effective Oct 1, 2026
Rate checked
More details - RBFCUSuperSaver CertificateCD · 18 months · $1,000 min · 3.75%–3.91% by balance
Credit union · 32 branches
3.79%APY$574 over 18 months on $10,000Requirements
Product: Available for consumer accounts and does not apply to business accounts. Membership eligibility required. Minimum initial deposit and minimum balance is $1,000. $0 monthly service fee. Early withdrawal penalty applies (60 days).
Offer: Assumes dividends are added back to the certificate.
3.69% interest rate
Rate by balance
Rate by balance for SuperSaver Certificate Balance APY $1,000 – $5,000 3.75% $5,000 – $20,000Your amount 3.79% $20,000 – $75,000 3.86% $75,000 and up 3.91% Rate checked
More details - 3.75%APY
Requirements
Product: Membership eligibility required. Minimum initial deposit and minimum balance is $1,000. Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate. Early withdrawal penalties apply.
Offer: Assumes dividends are added back to the certificate. Early withdrawal penalty: 30 days.
3.59% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $5,000 3.65% $5,000 – $20,000Your amount 3.75% $20,000 – $75,000 3.79% $75,000 and up 3.85% 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
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 San Antonio, TX metro
483 CDs at 46 banks and credit unions · checked Oct 15–22
- Typical
- 3.03%
- Top 10% from
- 3.98%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.60%
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San Antonio, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 4 branches
- CommunityAmerica Credit UnionCredit union · 1 branch