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 46–60 results in San Antonio, TX
- 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
Rate checked
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
Rate checked
More details - Select Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 2.40%–3.05% by balance
Credit union · 1 branch
3.05%APY$305 over 1 year on $10,000Requirements
Product: Fixed rate. Dividends compounded and credited monthly. Automatic renewal with 10-day grace period. Early withdrawal penalties apply.
3.00% interest rate · Effective Jul 3, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $9,999 3.05% $10,000 – $25,000Your amount 3.05% $25,000 and up 3.05% $50,000 and up 2.40% Rate checked
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
Rate checked
More details - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.
Offer: Rate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer.
Effective Oct 15, 2026
Rate checked
More details - Jefferson BankCertificates of DepositCD · 12 months · $1,000 min · 2.25%–3.25% by balance
Bank · 9 branches
2.25%APY$225 over 1 year on $10,000Requirements
Product: Automatically renewable. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Free Online and Mobile Banking, free Automated Phone Banking with Jeff-Line, and free Combined Monthly Statements.
Offer: Tier 1 ($1,000.00-$99,999.99). Penalty may be imposed for early withdrawal. Fees may reduce earnings.
2.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $100,000Your amount 2.25% $100,000 – $500,000 2.50% $500,000 – $2,000,000 3.00% $2,000,000 and up 3.25% Rate checked
More details - First National Bank Texas1 Year (12 Month) Fixed Rate CDCD · 12 months · $500 min · 2.25%–2.75% by balance
Bank · 10 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 - HEB Federal Credit UnionTerm Share CertificateCD · 12 months · $1,000 min · 1.44%–2.05% by balance
Credit union · 1 branch
2.05%APY$205 over 1 year on $10,000Requirements
Product: Fixed rate paid until maturity date. Minimum $1,000 to open and earn dividends for tier 1 ($1,000.00 - $9,999.99); $10,000 to open and earn dividends for tier 2 (greater than $9,999.99). If account balance falls below disclosed minimum balance requirement, early withdrawal penalties will be assessed and account will be closed. Additional deposits after opening not permitted until maturity date. Early withdrawal penalty applies: 90 days dividends for terms 11 months or less (or 6 months or less per web page), 180 days dividends for 12 to 24 months, 365 days dividends for 36 months or greater. Automatic renewal at maturity with a 10-day grace period.
Offer: Requires $1,000.00 each day to earn dividends.
1.43% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 – $10,000 1.44% $10,000 and upYour amountRequires $10,000.00 each day to earn dividends. 2.05% 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 - First National Bank Texas6 Month Fixed Rate CDCD · 6 months · $500 min · 1.85%–2.00% by balance
Bank · 10 branches
1.85%APY$92 over 6 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.84% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 6 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 1.85% $50,000 and up 2.00% Rate checked
More details - First National Bank Texas2 Year (24 Month) Fixed Rate CDCD · 24 months · $500 min · 1.81%–2.02% by balance
Bank · 10 branches
1.81%APY$365 over 24 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 2 Year (24 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 1.81% $50,000 and up 2.02% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 21 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% 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 San Antonio, TX
432 CDs at 38 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.71%
- 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.
San Antonio, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 4 branches
- CommunityAmerica Credit UnionCredit union · 1 branch