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 196–210 results in Texas
- Houston Texas Fire Fighters Federal Credit UnionTerm Share CertificatesCD · 24 months · $1,000 min
Credit union · 3 branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Grace period of 10 days at maturity to withdraw or reinvest. Certificate reinvests automatically for the same term if not withdrawn.
3.85% interest rate · Effective Jul 9, 2026
Rate checked
More details - Gulf Coast Educators Federal Credit UnionPremium Term Share CertificateCD · 12 months · $100 min
Credit union · 9 branches
3.91%APY$391 over 1 year on $10,000with conditionsRequirements
Product: Available to Premium Deposit Account holders who use at least three qualifying services (checking account, direct deposit, loans, or Visa debit card), adding 0.50% to the dividend rate.
Offer: 12 month term. Requires Premium Deposit Account qualification.
Qualified rate · 3.85% interest rate
Rate checked
More details - United Heritage Credit UnionCertificate of Deposit (CD)CD · 12 months · $1,000 min
Credit union · 11 branches
3.91%APY$391 over 1 year on $10,000Requirements
Product: Membership/Regular Savings account required. No monthly fee, service charge, or administration fees. Early withdrawal subject to penalty/loss of dividends.
Offer: Dividends paid and compounded quarterly.
3.85% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate checked
More details - WesTex Community Credit UnionCertificates of DepositCD · 6 months · $500 min · 3.91%–3.96% by balance
Credit union · 4 branches
3.91%APY$193 over 6 months on $10,000Requirements
Product: All interest earned may be withdrawn at any time without penalty. If any of the original CD balance is withdrawn before maturity, a 90-day interest penalty is assessed.
3.85% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $250,000Your amount 3.91% $250,000 and up 3.96% Rate checked
More details - Members Choice Credit UnionHigh Five Certificate (CD) LadderCD · 5 months · $2,000 min
Credit union · 8 branches
3.90%APY$161 over 5 months on $10,000Requirements
Product: Deposit program that equally divides the total deposit into four separate fixed-rate CDs with terms of 5, 10, 15, and 20 months. Each CD operates independently with its own maturity date and dividend rate, and may be redeemed separately subject to early withdrawal penalties based on its term. Minimum deposit $2,000. After start, no additional deposits allowed. Automatically renewable with 10-day grace period.
Offer: Part of 4-part ladder program.
3.83% interest rate · Effective Oct 6, 2026
Rate checked
More details - Susser BankCertificates of Deposit (CD)CD · 6 months · $1,000 min · 3.80%–3.90% by balance
Bank · 11 branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: CD APY assumes principal and interest remain on deposit until maturity. Periodic payout of interest is required (interest earned paid via direct deposit). Penalty for early withdrawal. Rates subject to change without notice.
Offer: Rate for balances ≤ $250,000. APY cannot remain on CD; periodic payout of interest is required.
3.83% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY Up to $250,000Your amount 3.90% $250,000 and upReduced rate applies. 3.80% Rate checked
More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 2 branches
3.90%APY$795 over 24 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 and up 4.00% Rate checked
More details - 3.90%APY$2,108 over 60 months on $10,000
Requirements
Product: Membership required with $1 minimum opening deposit for savings account. Dividends calculated daily, paid monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
Rate checked
More details - 3.90%APY$2,108 over 60 months on $10,000
Requirements
Product: Dividends compound monthly. Penalty for early withdrawal of principal. Must maintain minimum daily balance to earn disclosed APY. 36-Month Bump certificate allows a one-time rate increase if rates rise during the term and additional deposit at that time.
3.83% interest rate · Effective Sep 23, 2026
Rate checked
More details - Tinker Federal Credit UnionRate BoosterCD · 60 months · $1,000 min · 3.73%–4.30% by balance
Credit union · 2 branches
3.88%APY$2,096 over 60 months on $10,000Requirements
Product: Deposits may not be made after opened until maturity. Early withdrawal penalty applies (number of days dividend lost for withdrawals made before maturity).
Offer: Early withdrawal penalty: 360 Days.
3.67% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Rate Booster Balance APY $1,000 and up 3.73% $10,000 and upYour amount 3.88% $25,000 and up 4.09% $50,000 and up 4.19% $99,000 and up 4.30% Rate checked
More details - 3.87%APY$387 over 1 year on $10,000intro rate
Requirements
Product: Minimum deposit amount of $5,000.00. Only one rate increase is allowed for the term of the CD. Rate climber feature does not apply to existing certificates. Early withdrawal penalty may apply. Minimum balance of $100.00 required to earn dividends.
Offer: Only one rate increase is allowed for the term of the CD.
Promotional rate · 3.80% interest rate · Effective Sep 17, 2026
Rate checked
More details - Member Preferred Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 1 branch
3.87%APY$387 over 1 year on $10,000Requirements
Product: Minimum Certificate balance is $500.00. Early withdrawal penalty is 90 days for 12 month term and less, 180 days for over 12 month terms.
3.80% interest rate · Effective Jan 1, 2026
Rate checked
More details - 3.86%APY$256 over 8 months on $10,000
Requirements
Product: Retirement options are not available for No-Penalty CD(s). REWARDS do not apply to Special CD(s). Early withdrawal penalties may apply, and fees may reduce potential earnings.
3.78% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.85%APY$63 over 2 months on $10,000
Requirements
Product: Available as a Consumer or Business CD. Not available as an IRA Certificate.
Offer: Available as a Consumer or Business CD. Not available as an IRA Certificate.
3.78% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.85%APY$95 over 3 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
3.78% interest rate · Effective Oct 6, 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 Texas
2,866 CDs at 397 banks and credit unions · checked Oct 16–23
- Typical
- 3.29%
- Top 10% from
- 4.00%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.50%
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Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches