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 31–40 results in Waco, TX metro
- First National Bank Texas2 Year (24 Month) Fixed Rate CDCD · 24 months · $500 min · 1.81%–2.02% by balance
Bank · 5 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 - 1.76%APY$88 over 6 months on $10,000
Requirements
Product: Minimum balance required to open is $1000. No additions permitted until maturity. Early withdrawal subject to penalty (up to 12 months: 30 days' interest; 12-30 months: 90 days' interest).
Offer: Term is 182 days. Rates fixed for the term. Penalty for early withdrawal.
1.75% interest rate · Effective Dec 15, 2025
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 3 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 · 5 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 - 1.10%APY$562 over 60 months on $10,000
Requirements
Product: Early withdrawal from certificates will be subject to a 90 day dividend penalty. Dividends are compounded quarterly and paid on the last business day of the calendar quarter.
Offer: Paid quarterly
1.10% interest rate · Compounded quarterly · Effective Oct 20, 2020
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Start a saving certificate with $25 and enter to win monthly ($100 local prize) and quarterly (up to $5,000) prizes with each $25 deposit. Provides one withdrawal per 12-month term with a $25 fee. Renews automatically at maturity with no penalty at maturity to close account or withdraw savings.
Offer: No monthly service fee. One withdrawal per 12-month term with a $25 fee. Automatic renewal at maturity.
Effective Dec 31, 2024
Rate checked
More details - First National Bank Texas12 Month Variable Rate CDCD · 12 months · $500 min · 0.35%–0.40% by balance
Bank · 5 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 · 5 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 Waco, TX metro
247 CDs at 20 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 3.75%
- Banks, typical
- 1.02%
- Credit unions, typical
- 2.92%
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Waco, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Texell Credit UnionCredit union · 1 branch
- GENCO Federal Credit UnionCredit union · 4 branches