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 106–120 results in Katy, TX
- Houston Highway Credit UnionCertificates of Deposit (CD)CD · 12 months · $1,000 min
Credit union · 1 branch
3.09%APY$309 over 1 year on $10,000Requirements
Product: Members can add to their CD at any time while keeping their original rate and term. Penalty for early withdrawal. 7-day grace period after maturity.
Rate checked
More details - 3.05%APY$50 over 2 months on $10,000intro rate
Requirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
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More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
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More details - 3.00%APY$174 over 7 months on $10,000
Requirements
Product: No monthly fee. Withdraw your money at any time and pay no penalties.
Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$376 over 15 months on $10,000
Requirements
Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.
Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $500,000 · Effective Oct 1, 2026
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More details - Members Choice Credit UnionStandard Certificates of Deposit (CD)CD · 18 months · $500 min
Credit union · 7 branches
3.00%APY$453 over 18 months on $10,000Requirements
Product: Fixed rate for initial term. After account start, additional deposits not permitted. Early withdrawal penalties apply.
2.96% interest rate · Balance cap $99,999.99 · Effective Oct 6, 2026
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More details - First Community Credit Union5 Year Flex Access CDCD · 60 months · $500 min · 2.80%–2.85% by balance
Credit union · 8 branches
2.80%APY$1,481 over 60 months on $10,000Requirements
Product: Allows up to a 20% withdrawal of the original CD principal balance, less any previously withdrawn funds, one time each year of the term without penalty. Amounts over maximum allowable may be subject to early withdrawal penalties. Interest compounded daily and credited monthly. Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K. Up to 20% penalty-free withdrawal once per year.
Compounded daily
Rate by balance
Rate by balance for 5 Year Flex Access CD Balance APY Up to $100,000Your amount 2.80% $100,000 and upFor balances > $100K. 2.85% Rate checked
More details - 2.70%APY$547 over 24 months on $10,000
Requirements
Product: APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $100 with DD/PR or $500. Maximum initial deposit $1,000. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.
Offer: 2 Year Builder CD rate.
Compounded daily
Rate checked
More details - First Community Credit UnionFlex CDCD · 24 months · $500 min · 2.70%–2.75% by balance
Credit union · 8 branches
2.70%APY$547 over 24 months on $10,000Requirements
Product: Regular only. APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $500. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.
Offer: 2 Year Flex CD rate tier <100K balance. Allows one rate increase per term.
Compounded daily
Rate by balance
Rate by balance for Flex CD Balance APY Up to $100,000Your amount 2.70% $100,000 and up2 Year Flex CD rate tier >100K balance. 2.75% Rate checked
More details - 2.68%APY$268 over 1 year on $10,000
Requirements
Product: Must be a legal resident of Texas or participating state, 18 years or older, and have a membership in good standing. Automatically renews at the term selected and rate at renewal. Can add additional funds during the term. Enter monthly/quarterly prize drawing for every $25 month-over-month balance increase. Account must be open through month-end for drawings. One withdrawal allowed per 12-month term for a $25 fee; additional withdrawals cause account closure and forfeiture of prize entries.
Offer: Dividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date.
2.65% interest rate · Effective Oct 6, 2026
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More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
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More details - First National Bank Texas1 Year (12 Month) Fixed Rate CDCD · 12 months · $500 min · 2.25%–2.75% by balance
Bank · 33 branches
2.25%APY$225 over 1 year on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
2.23% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 1 Year (12 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 2.25% $50,000 and up 2.75% Rate checked
More details - FAA Federal Credit UnionShare CertificatesCD · 60 months · $500 min · 2.20%–2.30% by balance
Credit union · 1 branch
2.20%APY$1,149 over 60 months on $10,000Requirements
Product: Fixed rates; higher rates by selecting longer term or higher balance tier. Early withdrawal penalty applies: 90 days dividends for terms of 1 year or less, 180 days dividends for terms greater than 1 year. NCUA insured up to $250,000. No setup or maintenance fees.
Offer: Term is 60 Month (1825 days). Penalty for early withdrawal.
2.18% interest rate · Effective Jan 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 2.20% $50,000 and up 2.30% Rate checked
More details - 2.00%APY$66 over 4 months on $10,000
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 120 Days term.
1.99% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.00%APY$150 over 9 months on $10,000
Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.99% interest rate · 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 Katy, 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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Find your bank or credit union to see all its rates and how they compare near you.
Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch