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 Wichita Falls, TX metro
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - Union Square Credit UnionShare Certificates (CDs)CD · 36 months · $1,000 min
Credit union · 4 branches
4.24%APY$1,325 over 36 months on $10,000Requirements
Product: Minimum balance requirements to open - Share Certificates (CDs) - $1,000. Early withdrawal penalties amounting to 3% of the total withdrawal amount. Withdrawal of dividends prior to maturity reduces earnings.
Offer: Term: 3 Years.
4.15% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.20%APY$1,314 over 36 months on $10,000
Requirements
Product: All certificates are compounded monthly. Interest penalty for early withdrawal of principal. Annual percentage yield assumes interest remains on deposit until maturity. Withdrawals will reduce earnings. Fixed rates remain in effect until maturity. Rates are subject to change daily.
Offer: Compounded monthly. Penalty for early withdrawal of principal.
4.11% interest rate · Compounded monthly
Rate checked
More details - 4.18%APY$1,306 over 36 months on $10,000
Requirements
Product: Early withdrawal fee for Share Certificates 1 Year & Under: 90 days dividend; Greater than 1 Year: 180 days dividend. Rates subject to change without notice.
Offer: Dividend Paid Monthly, Check Disbursement, Transfer to Shares, Roll Back to Certificate
4.10% interest rate · Effective Oct 8, 2026
Rate checked
More details - 4.07%APY$201 over 6 months on $10,000
Requirements
Offer: Penalties apply for early withdrawals.
4.00% interest rate · Effective Sep 10, 2026
Rate checked
More details - Investar Bank3-Month Certificate of Deposit SpecialCD · 3 months · $500 min · 3.80%–4.00% by balance
Bank · 2 branches
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Consumer Online Banking Only. Early withdrawal penalty may apply. Interest is compounded monthly and assumes interest remains on deposit. Offer available for a limited time.
Offer: Consumer Online Banking Only. Early withdrawal penalty may apply.
Promotional rate · Compounded monthly · Effective Sep 1, 2026
Rate by balance
Rate by balance for 3-Month Certificate of Deposit Special Balance APY $500 – $245,000Your amount 4.00% $245,000 and up 3.80% Rate checked
More details - 4.00%APY$366 over 11 months on $10,000intro rate
Requirements
Product: Fixed rate for the entire 11-month term. Beginning 7 days after funding date, full account balance may be withdrawn without penalty. Additional deposits during term are generally not permitted. Automatically renews into an 11-month term CD at maturity.
Offer: Promotional rate. Minimum deposit of $1,000 required to open. Full balance withdrawal permitted penalty-free starting 7 days after funding.
Promotional rate · Effective Aug 26, 2026
Rate checked
More details - First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance
Bank · 3 branches
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 - Wichita Falls Teachers Federal Credit UnionCertificate AccountsCD · 12 months · $1,000 min
Credit union · 1 branch
3.66%APY$366 over 1 year on $10,000Requirements
Product: Dividends paid monthly. CD Rates subject to change daily. Rates are subject to change at management discretion. A penalty may be required for early withdrawal of some deposits.
Offer: 1 YR. Dividends Paid Monthly.
3.60% interest rate
Rate checked
More details - Texoma Community Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 3 branches
3.66%APY$366 over 1 year on $10,000Requirements
Product: Any annual percentage yield (APY) assumes dividends will remain on deposit for at least one year. A withdrawal will reduce earnings. Fee could reduce earnings. Penalties may be imposed for early withdrawal.
3.60% interest rate
Rate checked
More details - Wichita Falls Federal Credit UnionCertificate of DepositCD · 12 months · 3.66%–3.76% by balance
Credit union · 2 branches
3.66%APY$366 over 1 year on $10,0003.60% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Any balanceYour amount 3.66% Over $50,000 3.76% Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 3 branches
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 - Secured Advantage Federal Credit UnionCertificateCD · 12 months · $500 min · 3.50%–3.82% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Dividends compounded semi-annually and/or at maturity. Rate is fixed for the term after opening. Substantial penalty for early withdrawal. Certificates 12 months term and above with balance of $90k and above receive a 0.25% rate increase from stated.
3.50% interest rate · Effective Apr 1, 2025
Rate by balance
Rate by balance for Certificate Balance APY $500 – $90,000Your amount 3.50% $90,000 and upStated dividend rate is 3.75%. 3.82%* Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Interest is compounded and paid quarterly. Penalty may be imposed for early withdrawal.
Offer: Term: 1 Year. Early withdrawal penalty may apply.
3.41% interest rate · Effective Dec 11, 2025
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: PFCU is open to anyone who works, resides, worships or attends school in Archer, Baylor, Clay, Wichita or Wilbarger Counties in Texas and to employees of select employee groups along with the families of existing members. All certificate dividends are paid monthly. Interest penalty for early withdrawal of principal. Fixed rates remain in effect until maturity. Rates are subject to change daily.
3.40% interest rate · Effective Mar 2, 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 Wichita Falls, TX metro
181 CDs at 15 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 3.75%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.04%
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Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches