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 226–240 results in Texas
- 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Term Share Certificates are time deposits available from 6 months to 3 years. Minimum deposit of $1,000.00 or $2,500.00 required. Early withdrawal penalties apply.
Offer: Dividends paid quarterly.
3.75% interest rate · Effective Dec 1, 2025
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Withdrawals prior to maturity will incur a penalty. Deposit terms range from 6 months to 36 months.
3.75% interest rate · Effective Feb 1, 2026
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Term Share Certificates can be purchased from 6 to 24 months. Minimum deposits range from $500 – $25,000. Dividends are calculated and posted at the end of each month.
Offer: $1,000.00 Minimum Balance
3.75% interest rate · Effective Mar 31, 2026
Rate checked
More details - Houston Police Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.82%–4.02% by balance
Credit union · 3 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Excludes Traditional, Roth and Roth Conversion Share Certificates. Compounded and credited monthly. Subject to a penalty for early withdrawal prior to maturity.
Offer: Regular type. Subject to a penalty for early withdrawal.
3.75% interest rate · Effective Mar 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.82% $100,000 and upJumbo type. 4.02% Rate checked
More details - 3.82%APY$578 over 18 months on $10,000
Requirements
Product: Early withdrawal penalties apply to share certificates. A certificate may not be reduced below the minimum balance. Receiving dividends by taking monthly withdrawals will reduce the APY. Automatically renews at maturity at prevailing rate unless chosen otherwise.
Offer: Dividends compounded/credited to your certificate monthly.
3.75% interest rate
Rate checked
More details - American Baptist Association Credit UnionShare CertificatesCD · 24 months · $1,000 min · 3.82%–4.86% by balance
Credit union · 1 branch
3.82%APY$779 over 24 months on $10,000Requirements
Product: Early withdrawal fees may apply. Rates are subject to change.
Offer: Balance tier: $1,000 to $99,999.
3.75% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $99,999Your amount 3.82%* $100,000 and up 4.86%* Rate checked
More details - Harris County Federal Credit UnionPayroll Deduction CertificateCD · 36 months · $35 min
Credit union · 1 branch
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Funded via payroll deduction ($35.00 – $105.00 per pay period). Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
Effective Oct 6, 2026
Rate checked
More details - 3.82%APY$1,190 over 36 months on $10,000
Requirements
Product: Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
Effective Oct 6, 2026
Rate checked
More details - Abilene Teachers Federal Credit UnionSavings CertificatesCD · 36 months · $500 min
Credit union · 4 branches
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: ATFCU membership is required in order to purchase certificates of deposit; new members must first open a membership savings account with a $5 minimum deposit. Early withdrawal fees and/or interest rate deductions apply to certificates redeemed prior to maturity.
3.75% interest rate
Rate checked
More details - 3.82%APY$2,062 over 60 months on $10,000
Requirements
Product: Automatically renews at the term selected and the rate at the time of renewal. Additional deposits cannot be made during the term. Penalty for early withdrawal prior to maturity date. Membership eligibility applies (lives or works in Mesquite, Garland, Irving, Cedar Hill, or Dallas County, TX).
Offer: Dividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date.
3.75% interest rate · Effective Oct 6, 2026
Rate checked
More details - Hereford Texas Federal Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · 2 branches
3.82%APY$189 over 6 months on $10,0003.75% interest rate · Effective Feb 2, 2026
Rate checked
More details - 3.81%APY$94 over 3 months on $10,000
Requirements
Product: Dividends are calculated using the daily balance method. Penalties are assessed for early withdrawal. Rates are subject to change.
Offer: Penalty assessed for early withdrawal.
3.75% interest rate · Effective Feb 2, 2026
Rate checked
More details - 3.81%APY$777 over 24 months on $10,000
- Irving City Employees Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,500 min
Credit union · 1 branch
3.80%APY$188 over 6 months on $10,000Requirements
Product: Minimum balance required to open the account. You must maintain the minimum opening balance to maintain the Account. Penalties for Early Withdrawal of Principal apply (lesser of 3 months' dividends or dividends credited since opened for maturity of 1 year or less; 6 months' dividends for over 1 year). Automatically renews at maturity with a 10 calendar day grace period. No deposits permitted after opening until maturity.
Offer: Minimum balance required to open the account. You must maintain the minimum opening balance to maintain the Account.
3.75% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.80%APY
Requirements
Product: New accounts only (6-18 months; listed under balances greater than $9,999.99 requiring $10,000.00 to open and on deposit each day to earn dividends; additional deposits not permitted after opening; membership required).
Offer: Requires $10,000.00 to open and $10,000.00 on deposit each day to earn dividends.
3.73% interest rate · Effective Oct 1, 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
* 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