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 106–120 results in Texas
- 4.10%APY$1,281 over 36 months on $10,000
Requirements
Product: Early withdrawal penalties apply. Earnings can be added to CD or paid directly. FDIC insured.
4.04% interest rate · Effective Jul 2, 2026
Rate checked
More details - 4.09%APY$409 over 1 year on $10,000
Requirements
Product: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Offer: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
4.02% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - 4.08%APY$408 over 1 year on $10,000
Requirements
Product: Regular Share Savings Account required for all CCCU accounts. NCUA insured. Penalty for early withdrawal may apply.
4.00% interest rate
Rate checked
More details - Morris Sheppard Texarkana FCUCertificates of DepositCD · 6–24 months · $1,000 min
Credit union · 1 branch
4.08%APY4.00% interest rate
Rate checked
More details - 4.08%APY$408 over 1 year on $10,000
Requirements
Product: Early withdrawals subject to a penalty. No setup or maintenance fees.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Santa Fe Federal Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · 5 branches
4.07%APY$617 over 18 months on $10,0004.00% interest rate · Effective Sep 29, 2026
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More details - Valwood Park Federal Credit UnionTerm Share CertificateCD · 18 months · $1,000 min
Credit union · 1 branch
4.07%APY$617 over 18 months on $10,000Requirements
Product: Minimum opening deposit and balance to maintain is $1,000. Membership includes no monthly service fees. Par value of a share is $25. Daily balance method used to calculate dividends.
Offer: Dividends compounded and credited monthly. Automatic renewal with 10-day grace period. Early withdrawal penalty: 180 days of interest for terms over 1 year.
4.00% interest rate · Effective Jan 1, 2025
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More details - 4.07%APY$201 over 6 months on $10,000
4.00% interest rate · Effective Oct 8, 2026
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More details - Rio Grande Valley Credit UnionCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Credit union · 5 branches
4.07%APY$201 over 6 months on $10,000Requirements
Product: Calculated by using Simple Daily Interest. Early withdrawal penalty will apply if terms of certificate are changed before the maturity date.
Offer: $1,000.00 Minimum Average Daily Balance Required to Earn Interest. Early withdrawal penalty may apply if terms of certificate are changed before the maturity date.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.07%APY$201 over 6 months on $10,000
Requirements
Offer: Penalties apply for early withdrawals.
4.00% interest rate · Effective Sep 10, 2026
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More details - evolve Federal Credit UnionBoost Term Share CertificateCD · 12 months · $500 min
Credit union · 3 branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply (1 year or less: 90 days' interest, 2 year: 180 days' interest, 3 year: 270 days' interest, 4 year: 360 days' interest, 5 year: 450 days' interest). Platinum and Diamond Elite accounts qualify for a rate boost.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Beaumont Community CUShare CertificateCD · 12 months · $1,000 min · 4.07%–4.17% by balance
Credit union · 1 branch
4.07%APY$407 over 1 year on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Minimum deposit to purchase a CD is $1,000.00.
Offer: Under $50,000; dividends compounded daily and paid monthly
4.00% interest rate · Compounded daily
Rate by balance
Rate by balance for Share Certificate Balance APY Up to $50,000Your amount 4.07% $50,000 and upOver $50,000; 4.17% Rate checked
More details - DuGood Federal Credit UnionCertificateCD · 12 months · $1,000 min · 4.07%–4.18% by balance
Credit union · 13 branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Early withdrawal penalties may apply. Any fee incurred could reduce earnings. Membership eligibility required.
Offer: Early withdrawal penalties may apply. Any fee incurred could reduce earnings.
4.00% interest rate · Effective Feb 18, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 and upYour amount 4.07% $50,000 and up 4.13% $100,000 and up 4.18% Rate checked
More details - COSDEN FCUShare CertificateCD · 36 months · $1,000 min · 3.56%–4.33% by balance
Credit union · 1 branch
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: Minimum opening deposit $1000 required. Rates effective July 1, 2025. Dividend rate fixed for term. Penalty for early withdrawal.
Offer: Effective as of July 1, 2025.
3.50% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $5,000 3.56% $5,000 – $10,000 3.82% $10,000 – $50,000Your amount 4.07% $50,000 – $100,000 4.23% $100,000 and up 4.33% Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 15 branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
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
2,852 CDs at 397 banks and credit unions · checked Oct 16–22
- Typical
- 3.29%
- Top 10% from
- 4.00%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.49%
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