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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.

Term
Location

Top CD rates

Showing 61–75 results in Houston, TX

  1. Top Carrot, Carrot Score 88
    Texas Bay Credit UnionRegular CertificatesCD · 36–47 months · $1,000 min

    Credit union · 2 branches

    3.85%APY
  2. Plains State BankCertificate of DepositCD · 12 months · $1,000 min

    Bank · 2 branches

    3.82%APY$382 over 1 year on $10,000
  3. Southern Star CURegular SharesCD · 12 months · $1,000 min

    Credit union · 1 branch

    3.82%APY$382 over 1 year on $10,000
  4. Top Carrot, Carrot Score 89
    Houston Police Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.82%–4.02% by balance

    Credit union · 3 branches

    3.82%APY$382 over 1 year on $10,000
  5. Top Carrot, Carrot Score 99
    Harris County Federal Credit UnionPayroll Deduction CertificateCD · 36 months · $35 min

    Credit union · 1 branch

    3.82%APY$1,190 over 36 months on $10,000
  6. Top Carrot, Carrot Score 99
    Harris County Federal Credit UnionShare CertificateCD · 36 months · $500 min

    Credit union · 1 branch

    3.82%APY$1,190 over 36 months on $10,000
  7. Resource One Credit UnionRegular CertificatesCD · 60 months · $500 min

    Credit union · 3 branches

    3.82%APY$2,062 over 60 months on $10,000
  8. Lone Star BankCD PromotionsCD · 6 months

    Bank · 2 branches

    3.80%APY$188 over 6 months on $10,000
  9. Top Carrot, Carrot Score 87
    Cy-Fair FCUShare CertificateCD · 60 months · $1,000 min · 3.80%–4.00% by balance

    Credit union · 4 branches

    3.80%APY$2,050 over 60 months on $10,000
  10. Top Carrot, Carrot Score 88
    Houston Texas Fire Fighters Federal Credit UnionStep Up Share CertificatesCD · 36 months · $1,000 min

    Credit union · 2 branches

    3.76%APY$1,171 over 36 months on $10,000intro rate
  11. Energy Capital Credit UnionCertificate AccountCD · 6 months · $500 min

    Credit union · 2 branches

    3.75%APY$186 over 6 months on $10,000intro rate
  12. Top Carrot, Carrot Score 89
    Shell FCUShare CertificatesCD · 6 months · $500 min · 3.75%–3.90% by balance

    Credit union · 8 branches

    3.75%APY$186 over 6 months on $10,000
  13. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 66 branches

    3.75%APY$217 over 7 months on $10,000
  14. First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance

    Bank · 33 branches

    3.75%APY$248 over 8 months on $10,000intro rate
  15. Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance

    Bank · 1 branch

    3.75%APY$343 over 11 months on $10,000intro rate

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 Houston, TX

806 CDs at 88 banks and credit unions · checked Oct 9–22

Typical
3.25%
Top 10% from
4.05%
Banks, typical
2.00%
Credit unions, typical
3.60%

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Houston, TX metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Harris County Federal Credit UnionCredit union · 1 branch
  2. Nizari Credit UnionCredit union · 2 branches
  3. Cornerstone Capital BankBank · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate