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 211–225 results in Texas
- Border FCUTerm Share Certificate (Certificate of Deposit)CD · 7 months · $1,000 min
Credit union · 5 branches
3.85%APY$223 over 7 months on $10,000Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$352 over 11 months on $10,000intro rate
Requirements
Product: Must have an S1 savings account with a minimum of $5. Minimum opening deposit is $500.
Offer: Limited-time promotional rate certificate. Compounded monthly. No additional deposits allowed after opening. At maturity, automatically renews into a 12-month CD at current rates with a 10-day grace period.
Promotional rate · 3.78% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - 3.85%APY$385 over 1 year on $10,000
Requirements
Product: Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
Offer: Term is 1 year (12 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply.
Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$418 over 13 months on $10,000
Requirements
Product: CD interest is compounded monthly and credited to the account monthly. Subject to early withdrawal penalties. Interest can be added back to the CD or deposited to a Farmers Bank & Trust checking or savings account.
Offer: Penalty may be imposed for early withdrawal. Additional requirements may apply.
Compounded monthly · Effective Aug 25, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 1 branch
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.85%APY
Requirements
Product: Automatically renewing. Penalty for early withdrawals.
Offer: Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - 3.83%APY$286 over 9 months on $10,000
Requirements
Product: Require a penalty for early withdrawal. $500 minimum balance. Automatic Renewal at New Rate. Interest may be paid monthly or quarterly by check or transferred to your checking account or left to accrue in your CD. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Offer: Compounding: None. Early withdrawal penalty applies. Automatic renewal at new rate.
3.80% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalties apply (30 days' dividends for terms of 12 months or less; 90 days' dividends for terms longer than 12 months).
Offer: Early withdrawal penalty is 30 days' dividends.
3.75% interest rate · Effective Sep 19, 2025
Rate checked
More details - Southwest Heritage Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · 5 branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Fixed term and fixed rate. Interest is paid monthly by check, deposited to a share account, or added to balance of certificate. Early withdrawal penalty is 90 days interest for 6 month and 12 month terms; 180 days interest for all other terms. Rate can be increased based on services you already have (membership tenure > 3 years +0.05%, e-statements +0.05%, active loan +0.05%).
Offer: Interest paid monthly
3.75% interest rate
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply to term Share Certificates. Early withdrawal penalty may reduce earnings on account.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - evolve Federal Credit UnionBoost Advantage CD SaverCD · 12 months · $50 min
Credit union · 3 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Unlimited deposits are allowed into the CD saver. Earnings are paid on a quarterly basis. Withdrawals are not allowed.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Texas Plains Federal Credit UnionShare CertificatesCD · 12 months · $2,500 min
Credit union · 7 branches
3.82%APY$382 over 1 year on $10,0003.75% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Minimum balance/to open $500. Accounts are not opened through an online application (requires two forms of government-issued identification).
Offer: Compounded and paid monthly.
3.75% interest rate
Rate checked
More details - Plains Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.05%–3.82% by balance
Credit union · 1 branch
3.82%APY$382 over 1 year on $10,000Requirements
Product: Membership is open to individuals who live, work, or worship in a large area of Plainview, TX; federal employees in Hale County and surrounding counties; employees of TDCJ in Plainview and Tulia; and relatives of current members. Membership requires opening a savings account with a minimum $25.00 balance.
3.00% interest rate · Effective Feb 13, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $4,999 3.05%* $5,000 – $49,999Your amount 3.82%* 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
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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