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 451–465 results in Texas
- 2.88%APY$24 over 1 months on $10,000
Requirements
Product: Interest rates subject to change at any time. A substantial penalty may be imposed for early withdrawal of Certificates of Deposit.
Offer: 30 Day term.
2.85% interest rate
Rate checked
More details - First Community Credit Union5 Year Flex Access CDCD · 60 months · $500 min · 2.80%–2.85% by balance
Credit union · 15 branches
2.80%APY$1,481 over 60 months on $10,000Requirements
Product: Allows up to a 20% withdrawal of the original CD principal balance, less any previously withdrawn funds, one time each year of the term without penalty. Amounts over maximum allowable may be subject to early withdrawal penalties. Interest compounded daily and credited monthly. Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K. Up to 20% penalty-free withdrawal once per year.
Compounded daily
Rate by balance
Rate by balance for 5 Year Flex Access CD Balance APY Up to $100,000Your amount 2.80% $100,000 and upFor balances > $100K. 2.85% Rate checked
More details - Allied FCUSave to Win CertificateCD · 12 months · $0 min · 2.53%–2.79% by balance
Credit union · 3 branches
2.79%APY$279 over 1 year on $10,000Requirements
Product: 12-month tiered rate account.
Offer: Tiered rate account for balances $0 - $4,999.99.
2.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Save to Win Certificate Balance APY Up to $5,000 2.53% $5,000 and upYour amount 2.79% Rate checked
More details - MOPAC Employees Federal Credit UnionTerm Share CertificateCD · 12 months · $1,000 min · 2.79%–3.20% by balance
Credit union · 1 branch
2.79%APY$279 over 1 year on $10,000intro rateRequirements
Offer: 12 Month Special; $1,000 to $24,999 deposit tier
Promotional rate
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 – $24,999Your amount 2.79% $25,000 and up$25,000 minimum deposit 3.20% Rate checked
More details - 2.78%APY$23 over 1 months on $10,000
Requirements
Product: Minimum deposit to open: $1,000. Minimum balance to obtain APY: $1,000. Interest compounded monthly. Daily balance method used to calculate interest. Penalty for early withdrawal.
2.75% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - First State Bank & Trust Company CarthageCertificates of DepositCD · 12 months · $1,000 min
Bank · 1 branch
2.78%APY$278 over 1 year on $10,000Requirements
Product: All rates are simple interest; compounded quarterly for CDs of 3 months or more, compounded at maturity for CDs less than 3 months. Automatically renewed at maturity unless requested otherwise. Early withdrawal penalties may apply. Negotiable rates on balances of $100,000 or more for existing funds.
2.75% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate checked
More details - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 12 branches
2.76%APY$346 over 15 months on $10,000Requirements
Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.
Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.
2.75% interest rate · Compounded annually
Rate checked
More details - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.
Offer: Rate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer.
Effective Oct 15, 2026
Rate checked
More details - 2.75%APY$558 over 24 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawals. Flexible terms from 3 months to 5 years. FDIC-insured.
2.71% interest rate
Rate checked
More details - 2.70%APY$547 over 24 months on $10,000
Requirements
Product: APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $100 with DD/PR or $500. Maximum initial deposit $1,000. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.
Offer: 2 Year Builder CD rate.
Compounded daily
Rate checked
More details - First Community Credit UnionFlex CDCD · 24 months · $500 min · 2.70%–2.75% by balance
Credit union · 15 branches
2.70%APY$547 over 24 months on $10,000Requirements
Product: Regular only. APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $500. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.
Offer: 2 Year Flex CD rate tier <100K balance. Allows one rate increase per term.
Compounded daily
Rate by balance
Rate by balance for Flex CD Balance APY Up to $100,000Your amount 2.70% $100,000 and up2 Year Flex CD rate tier >100K balance. 2.75% Rate checked
More details - Texoma EducatorsShare Certificates (CDs)CD · 60 months · $1,000 min · 2.45%–2.70% by balance
Credit union · 2 branches
2.70%APY$1,425 over 60 months on $10,000Requirements
Product: Interest is compounded monthly and paid into any designated account. Early withdrawal penalty applies: 3 months of dividends for terms under 1 year, and 6 months of dividends for terms of 1 year or more; waived in the event of death or disability.
Compounded monthly · Effective Oct 20, 2026
Rate by balance
Rate by balance for Share Certificates (CDs) Balance APY $1,000 – $9,999 2.45% $10,000 and upYour amount 2.70% Rate checked
More details - 2.68%APY$268 over 1 year on $10,000
Requirements
Product: Must be a legal resident of Texas or participating state, 18 years or older, and have a membership in good standing. Automatically renews at the term selected and rate at renewal. Can add additional funds during the term. Enter monthly/quarterly prize drawing for every $25 month-over-month balance increase. Account must be open through month-end for drawings. One withdrawal allowed per 12-month term for a $25 fee; additional withdrawals cause account closure and forfeiture of prize entries.
Offer: Dividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date.
2.65% interest rate · Effective Oct 6, 2026
Rate checked
More details - 2.68%APY$543 over 24 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal.
2.65% interest rate · Effective Sep 10, 2026
Rate checked
More details - 2.65%APY$1,103 over 48 months on $10,000
Requirements
Product: Rate may be adjusted only once during the term to the then current 48 Month Term Share Certificate Rate at the direction of the member. Penalty for early withdrawal.
Offer: Rate may be adjusted only once during the term to the then current 48 Month Term Share Certificate Rate at the direction of the member. Minimum daily balance of $1,000 required to earn dividends. Minimum to avoid service charge is $0.
Effective Oct 22, 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
2,858 CDs at 396 banks and credit unions · checked Oct 22–24
- Typical
- 3.30%
- Top 10% from
- 4.05%
- 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