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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.

Term
Location

Top CD rates

Showing 256–270 results in Texas

  1. 1st Community Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min

    Credit union · 9 branches

    3.75%APY$186 over 6 months on $10,000
  2. Cooperative Teachers Credit UnionTerm Share CertificateCD · 6 months · $1,000 min

    Credit union · 2 branches

    3.75%APY$186 over 6 months on $10,000
  3. Top Carrot, Carrot Score 91
    RBFCUCertificateCD · 6–11 months · $1,000 min · 3.65%–3.85% by balance

    Credit union · 65 branches

    3.75%APY
  4. Woori America BankWooriWON Certificate of Deposit (CD)CD · 6 months · $1,000 min

    Bank · 2 branches

    3.75%APY$186 over 6 months on $10,000
  5. Concho Valley Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min

    Credit union · 1 branch

    3.75%APY$186 over 6 months on $10,000
  6. Top Carrot, Carrot Score 87
    Credit Union of TexasRegular CDCD · 6 months · $1,000 min

    Credit union · 23 branches

    3.75%APY$186 over 6 months on $10,000
  7. Top Carrot, Carrot Score 89
    Shell FCUShare CertificatesCD · 6 months · $500 min · 3.75%–3.90% by balance

    Credit union · 14 branches

    3.75%APY$186 over 6 months on $10,000
  8. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 313 branches

    3.75%APY$217 over 7 months on $10,000
  9. First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance

    Bank · 296 branches

    3.75%APY$248 over 8 months on $10,000intro rate
  10. Velocity Credit UnionShort Term CertificateCD · 9 months · $1,000 min

    Credit union · 6 branches

    3.75%APY$280 over 9 months on $10,000
  11. Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance

    Bank · 1 branch

    3.75%APY$343 over 11 months on $10,000intro rate
  12. TAP FCUShare CertificateCD · 12 months · $500 min

    Credit union · 1 branch

    3.75%APY$375 over 1 year on $10,000
  13. Top Carrot, Carrot Score 88
    Eastman Credit UnionLifeline Savers CertificateCD · 12 months · $100 min

    Credit union · 4 branches

    3.75%APY$375 over 1 year on $10,000
  14. Sabine Federal Credit UnionCertificatesCD · 12 months · $1,000 min

    Credit union · 3 branches

    3.75%APY$375 over 1 year on $10,000
  15. Citizens State BankCertificates of DepositCD · 12 months

    Bank · 7 branches

    3.75%APY$375 over 1 year on $10,000

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

  1. Harris County Federal Credit UnionCredit union · 1 branch
  2. NAFT Federal Credit UnionCredit union · 3 branches
  3. Barksdale Federal Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate