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 1–6 results in Athens, TX metro · Few institutions in Athens, TX metro: choose a wider area in the filters
- 4.40%APY$553 over 15 months on $10,000intro rate
Requirements
Product: Membership required. Must maintain a primary share account with a $5 balance. 50% of the balance must be new money deposited to the credit union within the last 30 days.
Offer: 50% of the balance must be new money deposited to the credit union within the last 30 days. At maturity, renews at the current 1-year term and rate.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - Texas Trust Credit UnionTerm Share Flex CertificateCD · 12 months · $5,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: One of the following options may be used one time during term: bump up rate when rates increase (requires adding min 10% of original CD balance), add money to existing CD (min $500), or withdraw up to 25% of balance without penalty maintaining minimum balance.
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.95%APY$395 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Must maintain a primary share account with a $5 balance. Deposits are not permitted during term of certificate.
3.88% interest rate · Effective Oct 5, 2026
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 3 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - Southside BankCertificates of DepositCD · 18 months · $1,000 min · 3.34%–3.55% by balance
Bank · 2 branches
3.34%APY$505 over 18 months on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal prior to maturity. Minimum deposit to open and minimum balance required to obtain disclosed APY vary by balance tier.
Offer: Must maintain a minimum balance of $1,000 to obtain the disclosed APY. A penalty may be imposed for early withdrawal.
Promotional rate · 3.30% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 3.34% $100,000 and up 3.55% 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 Athens, TX metro
36 CDs at 4 banks and credit unions · checked Oct 6–22
- Typical
- 3.40%
- Top 10% from
- 4.28%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.75%
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Athens, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Texas Trust Credit UnionCredit union · 1 branch