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 16–30 results in Sugar Land, TX
- 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - BRAZOS VALLEY SCHOOLS CREDIT UNIONCertificate AccountCD · 12 months · $1,000 min
Credit union · 2 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Compounded and credited quarterly. Average Daily Balance Method used to calculate interest. Dividends accrue on business day funds are deposited. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: up to 90 days dividends. Additional deposits at maturity.
3.94% interest rate · Effective Sep 26, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000with conditions
Requirements
Product: Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.
Offer: Bump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 180 days dividends.
Qualified rate · 3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - MemberSource Credit UnionTerm Share CertificatesCD · 60 months · $500 min · 4.00%–4.10% by balance
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends paid monthly. For 12 month Term Share Certificates, you have the discretion to increase the existing rate to the current rate available on certificates with the same term one time during the term of the certificate. Early withdrawal will result in a dividend penalty.
3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $50,000Your amount 4.00% $50,000 – $100,000 4.05% $100,000 and up 4.10% Rate checked
More details - 3.95%APY$2,137 over 60 months on $10,000
Requirements
Product: Minimum opening deposit is $1,000. Membership with TDECU required. Insured up to $250,000 by NCUA. Penalty for early withdrawal.
Offer: Base Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%).
3.88% interest rate · Balance cap $49,999.99 · Effective Sep 16, 2026
Rate checked
More details - Bank of the OrientCertificate of DepositCD · 13 months · $10,000 min · 3.93%–4.08% by balance
Bank · 1 branch
3.93%APY$426 over 13 months on $10,000intro rateRequirements
Product: Limited time special rates effective start August 6, 2026 until further notice. A minimum opening deposit and minimum balance are required to earn the stated APY. Early withdrawal penalties may apply. Fees may reduce earnings. Offers may not be combined.
Offer: Limited time CD special rate for balances of $10,000 to $99,999. Early withdrawal penalties may apply.
Promotional rate · Effective Aug 6, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $10,000 – $99,999Your amount 3.93% $100,000 and up 4.08% Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Rates offered may change without notice. A penalty may be imposed for early withdrawal.
Offer: Minimum balance to obtain APY is $1,000. Early withdrawal penalty may apply.
Effective Aug 28, 2025
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More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Smart Financial Credit UnionCertificates of DepositCD · 60 months · $1,000 min · 3.75%–3.85% by balance
Credit union · 1 branch
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: All accounts are subject to membership eligibility requirements. Interest compounded monthly and credited monthly and at maturity. Early withdrawal penalties apply (7 days' interest within first 6 days; all interest earned on 91-day CDs; 90 days' interest on 6-month CDs; 180 days' interest on 12-, 18-, and 24-month CDs; 270 days' interest on 30-, 36-, 48-, and 60-month CDs). No monthly service fee.
Offer: Standard Certificate tier. Daily balance method.
3.69% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and upYour amount 3.75% $50,000 and upMini Jumbo Certificate tier. 3.80% $100,000 and upJumbo Certificate tier. 3.85% 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 - First Service Credit UnionSmart Growth Certificate of DepositCD · 12 months · $100 min
Credit union · 2 branches
3.60%APY$360 over 1 year on $10,000Requirements
Product: Start with as little as $100 and deposit at least $50 every month via direct deposit. Additional deposits allowed anytime. Dividends compounded and credited monthly. Early withdrawal penalties and fees may reduce earnings.
Offer: Requires minimal direct deposit of $50 each month; deposit whenever and as often as you like.
3.54% interest rate · Effective Aug 1, 2026
Rate checked
More details - First Service Credit UnionCertificate of DepositCD · 12 months · $1,000 min · 3.60%–3.70% by balance
Credit union · 2 branches
3.60%APY$360 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.
3.54% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.60% $50,000 and up 3.70% Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: After CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Automatically renewed following a 10-day grace period after the maturity date.
3.50% interest rate · Effective Dec 15, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $100,000Your amount 3.55% $100,000 – $250,000 3.70% $250,000 and up 3.80% Rate checked
More details - Frost BankFrost Certificate of Deposit AccountCD · 3 months · $1,000 min · 3.30%–4.00% by balance
Bank · 1 branch
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
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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 Sugar Land, TX
354 CDs at 30 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 1.33%
- Credit unions, typical
- 3.65%
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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