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 Austin, TX
- 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Minimum balance $1,000.00. Automatic renewal at end of term with a 10-day grace period. Early withdrawal penalty applies (terms of 1 year or less: 90 days loss of dividends; terms greater than 1 year: 180 days loss of dividends).
3.93% interest rate · Effective Oct 16, 2026
Rate checked
More details - Amplify Credit UnionPersonal Certificate of Deposit (CD)CD · 12 months · $500 min
Credit union · 2 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Minimum deposit and balance of $500 required to obtain advertised APY. Funds may be added to CDs with terms of 12 months or less; terms above 12 months lock in the deposit amount. Deposit products are fee-free.
Offer: Minimum balance of $500 required to obtain advertised APY. Funds may be added during term.
3.94% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.
3.94% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.
Effective Oct 15, 2026
Rate checked
More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Term Certificates renew automatically. Interest may be withdrawn before maturity without a penalty; early withdrawal penalty on principal may apply. Interest earned based on average daily balance.
Offer: Interest compounded monthly, credited monthly. Early withdrawal penalty may apply.
3.95% interest rate · Compounded monthly · Effective Nov 1, 2022
Rate checked
More details - Star of Texas Credit UnionCertificate of DepositCD · 24 months · $1,000 min · 3.95%–4.05% by balance
Credit union · 1 branch
3.95%APY$806 over 24 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply if surrendered prior to term maturity. Minimum amount to earn APY is $1,000. Federally insured up to $250,000 by NCUA.
Offer: Minimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.95% $50,000 – $100,000 4.05% $100,000 and up 4.05% Rate checked
More details - United Heritage Credit UnionCertificate of Deposit (CD)CD · 12 months · $1,000 min
Credit union · 2 branches
3.91%APY$391 over 1 year on $10,000Requirements
Product: Membership/Regular Savings account required. No monthly fee, service charge, or administration fees. Early withdrawal subject to penalty/loss of dividends.
Offer: Dividends paid and compounded quarterly.
3.85% interest rate · Compounded quarterly · Effective Oct 6, 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$385 over 1 year on $10,000
Requirements
Product: Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
Offer: Term is 1 year (12 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply.
Effective Oct 1, 2026
Rate checked
More details - RBFCUSuperSaver CertificateCD · 18 months · $1,000 min · 3.75%–3.91% by balance
Credit union · 7 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$186 over 6 months on $10,000
Requirements
Product: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.
Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.
Effective Mar 27, 2026
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 - 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 - 3.75%APY$280 over 9 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
Offer: Term is 9 months. Dividends pay and compound monthly. Elite Rewards rate bonus of 0.10% to 0.20% may apply.
Effective Oct 1, 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 Austin, TX
403 CDs at 40 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.70%
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Find your bank or credit union to see all its rates and how they compare near you.
Austin, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 2 branches
- Government Employees FCUCredit union · 6 branches
- Cornerstone Capital BankBank · 1 branch