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 286–300 results in Texas
- 3.72%APY$184 over 6 months on $10,000
Requirements
Product: These rates are subject to change monthly. Early withdrawal penalty 60 days interest.
Offer: Early withdrawal penalty 60 days interest. Rates subject to change monthly.
3.65% interest rate · Effective Feb 1, 2026
Rate checked
More details - 3.71%APY$91 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.
3.65% interest rate · Effective Feb 2, 2026
Rate checked
More details - Castroville State BankCertificate of DepositCD · 12 months · $1,000 min · 3.71%–4.07% by balance
Bank · 2 branches
3.71%APY$371 over 1 year on $10,000Requirements
Product: Early withdrawal penalties may apply.
3.65% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $25,000Your amount 3.71% $25,000 – $100,000 3.92% $100,000 and upJUMBO'S 4.07% Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Automatically renewing. You can add money at any time. Requires ACH deposit. Penalty for early withdrawals.
Offer: Minimum $100 deposit. Requires ACH deposit. Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - 3.70%APY$754 over 24 months on $10,000
Requirements
Product: Membership share account required for all savings, checking, Certificates, and IRA accounts. Early penalty may be assessed for early withdrawal. Open with a minimum deposit of $500.00 to earn APY. All Certificate rates and information are subject to change without prior notice. Restrictions do apply, minimum initial deposit is $500.00. Penalty for early withdrawal may reduce earnings.
Offer: Dividends compounded monthly. Minimum deposit of $500.00 to earn APY. Penalty for early withdrawal may reduce earnings.
3.64% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Southwest Research Center Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · 2 branches
3.70%APY$754 over 24 months on $10,0003.64% interest rate
Rate checked
More details - 3.67%APY$1,975 over 60 months on $10,000with conditions
Requirements
Product: Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $1,000. Early withdrawal penalties apply. Rate is variable on new certificates weekly.
Offer: Requires a Platinum or Silver Debit Account
Qualified rate · 3.60% interest rate
Rate checked
More details - Alcon Employees Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · 1 branch
3.67%APY$182 over 6 months on $10,000Requirements
Product: A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. The CD will not renew automatically at the end of the term. Interest is compounded monthly and credited monthly.
3.60% interest rate · Compounded monthly · Effective Sep 18, 2025
Rate checked
More details - Alcon Employees Federal Credit UnionCertificate SpecialCD · 6 months · $500 min
Credit union · 1 branch
3.67%APY$182 over 6 months on $10,000intro rateRequirements
Product: A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. The CD will not renew automatically at the end of the term. Interest is compounded monthly and credited monthly.
Promotional rate · 3.60% interest rate · Compounded monthly · Effective Sep 18, 2025
Rate checked
More details - TexHillCo School Employees Federal Credit UnionCertificateCD · 6 months · $1,000 min
Credit union · 1 branch
3.66%APY$181 over 6 months on $10,000Requirements
Product: Rates subject to change daily. Minimum certificate purchase $1000. Early withdrawal penalties: 6mo–30 days interest, 1yr–90 days interest, 2yr–180 days interest, 3yr–270 days interest, 5yr–365 days interest.
Offer: Tier requires balance $1,000.
3.60% interest rate
Rate checked
More details - Wichita Falls Teachers Federal Credit UnionCertificate AccountsCD · 12 months · $1,000 min
Credit union · 1 branch
3.66%APY$366 over 1 year on $10,000Requirements
Product: Dividends paid monthly. CD Rates subject to change daily. Rates are subject to change at management discretion. A penalty may be required for early withdrawal of some deposits.
Offer: 1 YR. Dividends Paid Monthly.
3.60% interest rate
Rate checked
More details - Texoma Community Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 3 branches
3.66%APY$366 over 1 year on $10,000Requirements
Product: Any annual percentage yield (APY) assumes dividends will remain on deposit for at least one year. A withdrawal will reduce earnings. Fee could reduce earnings. Penalties may be imposed for early withdrawal.
3.60% interest rate
Rate checked
More details - Wichita Falls Federal Credit UnionCertificate of DepositCD · 12 months · 3.66%–3.76% by balance
Credit union · 2 branches
3.66%APY$366 over 1 year on $10,0003.60% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Any balanceYour amount 3.66% Over $50,000 3.76% Rate checked
More details - GECUPersonal Bump-up Certificate Accounts (Variable rate)CD · 18 months · $5,000 min · 3.66%–3.76% by balance
Credit union · 22 branches
3.66%APY$554 over 18 months on $10,000Requirements
Product: Variable rate. Bump-up certificate accounts offer an option to increase the dividend rate once during each term to the current rate in effect upon written request. Unlimited funds may be deposited at any time during the term. Does not qualify for Senior Privilege 15 additional basis points. Membership eligibility is required; $10 share account deposit required.
Offer: Monthly Crediting. 18-month term. Average daily balance requirement of $5,000. One option to increase rate during term.
3.60% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Bump-up Certificate Accounts (Variable rate) Balance APY $5,000 and upYour amount 3.66% $50,000 and up18-month Jumbo. 3.76% Rate checked
More details - Heart O' Texas Federal Credit UnionShare Certificates of DepositCD · 12 months · $1,000 min
Credit union · 3 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: Early withdrawal penalties may apply. Dividends compounded quarterly.
Offer: Early withdrawal penalties may apply. Dividends compounded quarterly.
3.60% interest rate · Compounded quarterly · Effective May 16, 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