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 61–75 results in San Antonio, TX metro
- Jefferson BankCertificates of DepositCD · 12 months · $1,000 min · 2.25%–3.25% by balance
Bank · 12 branches
2.25%APY$225 over 1 year on $10,000Requirements
Product: Automatically renewable. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Free Online and Mobile Banking, free Automated Phone Banking with Jeff-Line, and free Combined Monthly Statements.
Offer: Tier 1 ($1,000.00-$99,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings.
2.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $100,000Your amount 2.25% $100,000 – $500,000 2.50% $500,000 – $2,000,000 3.00% $2,000,000 and up 3.25% 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 · 14 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 - HEB Federal Credit UnionTerm Share CertificateCD · 12 months · $1,000 min · 1.44%–2.05% by balance
Credit union · 1 branch
2.05%APY$205 over 1 year on $10,000Requirements
Product: Fixed rate paid until maturity date. Minimum $1,000 to open and earn dividends for tier 1 ($1,000.00 - $9,999.99); $10,000 to open and earn dividends for tier 2 (greater than $9,999.99). If account balance falls below disclosed minimum balance requirement, early withdrawal penalties will be assessed and account will be closed. Additional deposits after opening not permitted until maturity date. Early withdrawal penalty applies: 90 days dividends for terms 11 months or less (or 6 months or less per web page), 180 days dividends for 12 to 24 months, 365 days dividends for 36 months or greater. Automatic renewal at maturity with a 10-day grace period.
Offer: Requires $1,000.00 each day to earn dividends.
1.43% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 – $10,000 1.44% $10,000 and upYour amountRequires $10,000.00 each day to earn dividends. 2.05% Rate checked
More details - 2.00%APY$66 over 4 months on $10,000
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 120 Days term.
1.99% interest rate · Effective Oct 1, 2026
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 · 14 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 · 14 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 - 1.77%APY$448 over 30 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Time requirements vary.
Offer: 30 Month CD. Penalty may be imposed for early withdrawal.
1.75% interest rate · Effective Sep 29, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 36 branches
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 - First National Bank Texas5 Year (60 Month) Fixed Rate CDCD · 60 months · $500 min · 1.66%–1.76% by balance
Bank · 14 branches
1.66%APY$858 over 60 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.65% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 5 Year (60 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 1.66% $50,000 and up 1.76% Rate checked
More details - 1.50%APY$37 over 3 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Interest will not be compounded for certificates with terms of less than one year. For certificates with terms of one year or greater, interest will be compounded quarterly. Rates may vary based on location.
1.49% interest rate · Compounded quarterly · Effective Sep 25, 2026
Rate checked
More details - First National Bank Texas12 Month Variable Rate CDCD · 12 months · $500 min · 0.35%–0.40% by balance
Bank · 14 branches
0.35%APY$35 over 1 year on $10,000Requirements
Product: The rate shown applies to all existing and renewing Variable Rate CDs (6 months through 18 months). Add-on feature: You may add to this CD at any time. $25 minimum add-on deposit.
Offer: Rate subject to change at any time without notice after opening. Applies to existing and renewing Variable Rate CDs (6-18 months). Add-on deposit min $25. Early withdrawal penalties apply.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 12 Month Variable Rate CD Balance APY $500 – $50,000Your amount 0.35% $50,000 and up 0.40% Rate checked
More details - First National Bank Texas3 Month Fixed Rate CDCD · 3 months · $500 min · 0.25%–0.30% by balance
Bank · 14 branches
0.25%APY$6 over 3 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited at maturity.
0.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 3 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 0.25% $50,000 and up 0.30% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 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