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 91–105 results in Spring, TX
- 3.49%APY$349 over 1 year on $10,000
3.45% interest rate · Effective Nov 1, 2025
Rate checked
More details - United Community Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 2 branches
3.44%APY$344 over 1 year on $10,000Requirements
Product: With a minimum deposit of $1,000, you can choose to invest your funds for as little as six months or as long as 60 months. Interest compounds daily and is paid quarterly or at maturity to your certificate of deposit, savings or checking account. There is a penalty for early withdrawal of funds.
Effective Sep 2, 2025
Rate checked
More details - Southside BankCertificates of DepositCD · 18 months · $1,000 min · 3.34%–3.55% by balance
Bank · 1 branch
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 - 3.31%APY$501 over 18 months on $10,000with conditions
Requirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - Frost BankFrost Certificate of Deposit AccountCD · 3 months · $1,000 min · 3.30%–4.00% by balance
Bank · 36 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 - Priority Trust Credit UnionCertificates of Deposit AccountsCD · 6 months · $1,000 min
Credit union · 5 branches
3.30%APY$164 over 6 months on $10,000Requirements
Product: Interest is compounded and credited monthly. Minimum amount to open a Certificate is $1,000. APY assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings. All accounts must remain open through the end of the dividend period or maturity date to be paid accrued dividends. Early withdrawal penalty may apply. Non-promotional balances $50,000+ increase dividend rate by 15 basis points (0.15%).
3.25% interest rate
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 - 3.30%APY$1,023 over 36 months on $10,000
Requirements
Product: $1,000.00 minimum. A penalty may be imposed for early withdrawal equal to 90 days dividend. Dividends are declared and paid monthly by the Board of Directors based on earnings and market conditions and are subject to change without notice. Yields shown assume that dividends are compounded monthly to the certificate and unavailable for withdrawal until maturity.
3.25% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. Automatically renews at maturity.
Offer: Penalty for early withdrawal.
3.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 33 branches
3.25%APY$353 over 13 months on $10,000Requirements
Product: 13-month CDs will automatically renew into a 12-month CD.
Offer: Automatically renews into a 12-month CD at maturity. Early withdrawal penalties apply.
3.21% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 13 Month Fixed Rate CD Balance APY $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.75% $100,000 and up 4.00% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - Memorial Credit UnionShare Certificate of DepositCD · 12 months · $1,000 min
Credit union · 5 branches
3.19%APY$319 over 1 year on $10,000Requirements
Product: Membership required. APY assumes dividends remain in the account until maturity. Early withdrawal penalty applies. Minimum opening deposit $1,000.
Offer: APY assumes dividends remain in account until maturity. Early withdrawal penalty applies.
3.15% interest rate · Effective Sep 1, 2026
Rate checked
More details - 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 - 3.14%APY$156 over 6 months on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal. Annual percentage yield assumes that interest remains on deposit until maturity.
Offer: Term: 6 Months; Under $100,000 tier; Early withdrawal penalty applies
3.09% interest rate · Effective Mar 16, 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 Spring, 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%
Is your bank paying you enough?
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