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 31–45 results in Austin, TX
- 3.75%APY$375 over 1 year on $10,000intro rate
Requirements
Product: Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. No setup or maintenance fees. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest; 12 months to less than 36 months lose 180 days' interest; 36 months or longer lose 270 days' interest.
Offer: Promotional rate requires new money (money not currently on deposit with Capitol Credit Union).
Promotional rate
Rate checked
More details - 3.70%APY$754 over 24 months on $10,000
Requirements
Product: Membership share account required for all savings, checking, Certificates, and IRA accounts. Early penalty may be assessed for early withdrawal. Open with a minimum deposit of $500.00 to earn APY. All Certificate rates and information are subject to change without prior notice. Restrictions do apply, minimum initial deposit is $500.00. Penalty for early withdrawal may reduce earnings.
Offer: Dividends compounded monthly. Minimum deposit of $500.00 to earn APY. Penalty for early withdrawal may reduce earnings.
3.64% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - 3.65%APY$90 over 3 months on $10,000intro rate
Requirements
Product: Minimum opening balance of $1,000 in new-to-Tech CU money (funds external to Tech CU within preceding 21 days). Unlimited new-to-Tech CU deposits allowed. One penalty-free withdrawal per calendar month permitted six days after opening, provided withdrawals are more than six days apart and minimum $1,000 balance is maintained.
Offer: Deposit and maintain minimum $1,000 new-to-Tech CU money.
Promotional rate · 3.60% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.65%APY$181 over 6 months on $10,000
Requirements
Product: Fixed rate APYs. Auto renewable options available. The annual percentage yield assumes interest remains on deposit until maturity. A penalty may be imposed for early withdrawal.
Offer: A minimum of $1,000 to open account and obtain the stated APY. Penalty for early withdrawal.
3.60% interest rate · Effective Jul 2, 2026
Rate checked
More details - 3.62%APY$270 over 9 months on $10,000
Requirements
Product: Minimum to open and obtain the APY is $1,000.
Offer: Minimum to open and obtain the APY is $1,000.
Rate checked
More details - 3.61%APY$179 over 6 months on $10,000
Requirements
Product: Early withdrawal may be subject to penalties. Minimum deposit of $1,000. Terms from 6 months to 60 months. Dividends can be paid to Savings/Checking account or compounded monthly. Election remains in effect until maturity. Certificate may automatically renew or deposit into Savings/Checking upon maturity.
3.55% interest rate · Compounded monthly · Effective Mar 31, 2026
Rate checked
More details - 3.60%APY$208 over 7 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.53% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: Minimum deposit $1,000; Maximum deposit $250,000.
Offer: Minimum deposit $1,000; Maximum deposit $250,000.
3.49% interest rate · Balance cap $250,000 · Effective Jan 1, 2026
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 - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Dividends are calculated by daily balance method and compound monthly. After opening, additional deposits are not permitted until maturity. Early withdrawal penalties apply.
Offer: APY based on monthly compounding and dividends remaining on deposit until maturity. Early withdrawal penalty: 30 days interest.
3.50% interest rate
Rate checked
More details - 3.50%APY$560 over 19 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - Southside BankCertificates of DepositCD · 18 months · $1,000 min · 3.34%–3.55% by balance
Bank · 2 branches
3.34%APY$505 over 18 months on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal prior to maturity. Minimum deposit to open and minimum balance required to obtain disclosed APY vary by balance tier.
Offer: Must maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal.
Promotional rate · 3.30% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 3.34% $100,000 and up 3.55% Rate checked
More details - 3.33%APY$165 over 6 months on $10,000
Requirements
Product: $1,000 minimum is required to open account. A fee will be imposed for early withdrawal from CDs. Fees could reduce the earnings on the account. For CDs with maturities of 7 days through 364 days, interest is paid at the end of the term. For CDs with maturities of 1 year or greater, interest is paid quarterly and can be paid out or capitalized based on customer's discretion. Interest payments requested on a basis more frequent than quarterly will have a reduced APY. Posted APY may vary depending on term chosen.
3.30% interest rate · Effective Oct 6, 2026
Rate checked
More details - Frost BankFrost Certificate of Deposit AccountCD · 3 months · $1,000 min · 3.30%–4.00% by balance
Bank · 15 branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Fixed amount of interest in return. Account automatically renews at maturity with 10 calendar days grace period to withdraw funds without penalty. Penalty may be imposed for early withdrawal. Balance may be used to waive monthly service charges for a Frost consumer checking account (Frost Personal Account, Frost Plus Account, or Frost Premium Account).
Offer: 90 Day CD. Minimum deposit $1,000. Penalty may be imposed for early withdrawal.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Frost Certificate of Deposit Account Balance APY $1,000 – $100,000Your amount 3.30% $100,000 and up90 Day Jumbo CD. Minimum deposit $100,000. 3.65% $500,000 and up90 Day Jumbo CD. Minimum deposit $500,000. Visit a Frost financial center for CDs of $500,000 and over. Interest rate and APY may change at any time at bank discretion. 4.00% 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
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