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 Sherman, TX metro
- 4.40%APY$553 over 15 months on $10,000intro rate
Requirements
Product: Limited-time special. Must be opened with new funds (from an outside source) not currently on deposit with Neighborhood Credit Union nor withdrawn within the last 14 days of promotional start date. Not offered on IRAs. At maturity, converts and renews as a standard 12-Month CD. Early withdrawal penalty applies.
Offer: Fixed rate for 15-month term. Requires $10,000 minimum opening deposit of new money. Interest compounded daily.
Promotional rate · 4.31% interest rate · Compounded daily · Effective Sep 16, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$498 over 14 months on $10,000intro rate
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: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Additional deposits are not allowed during the certificate term. Interest is compounded daily. Early withdrawal penalty applies.
Offer: 60 months term. Interest compounded daily. Additional deposits not allowed.
4.16% interest rate · Compounded daily · Effective Sep 23, 2026
Rate checked
More details - 4.15%APY$593 over 17 months on $10,000
Requirements
Product: Online-only certificate; must be opened online and eligible only to those 18 years of age or older. Additional deposits allowed during the term ($25 minimum). Early withdrawal penalty applies.
Offer: Fixed interest rate. Additional deposits of $25 minimum allowed during term. Early withdrawal penalty is 180 days' interest.
4.07% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.10%APY$873 over 25 months on $10,000intro rate
Requirements
Product: Must be 18 years of age or older. Only one rate increase allowed during 25-month term to match the Standard 18-Month CD rate upon member request via secure communication. At end of term, converts and renews as a standard 18-Month CD. Not offered on trusts, business accounts, or IRAs. Early withdrawal penalty applies.
Offer: Interest compounded daily. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Compounded daily · Effective Sep 23, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Must be opened online and eligible only to those 18 years of age or older. Additional deposits allowed during the term ($25 minimum). Early withdrawal penalty applies.
Offer: Fixed interest rate. Additional deposits allowed with $25 minimum.
3.92% interest rate · Effective Sep 23, 2026
Rate checked
More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalties apply (30 days' dividends for terms of 12 months or less; 90 days' dividends for terms longer than 12 months).
Offer: Early withdrawal penalty is 30 days' dividends.
3.75% interest rate · Effective Sep 19, 2025
Rate checked
More details - First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance
Bank · 1 branch
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 - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: Minimum balance to open and earn is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Rates subject to change without notice.
Offer: Regular CD only.
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 5 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 1 branch
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 - 3.30%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 · 1 branch
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 Sherman, TX metro
161 CDs at 12 banks and credit unions · checked Oct 15–22
- Typical
- 1.75%
- Top 10% from
- 3.90%
- Banks, typical
- 1.25%
- Credit unions, typical
- 3.58%
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Sherman, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Neighborhood Credit UnionCredit union · 1 branch