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 1–15 results in Houston, TX metro
- 5.00%APY$500 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Single deposit only (no additional deposits permitted after account opening). NCUA insured up to $250,000.
Offer: Special APY requires Checking account, First Eagle debit card, and monthly deposits of at least $100.00. Funds must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period). Maximum deposit $100,000.
4.89% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - 4.91%APY$1,546 over 36 months on $10,000
Requirements
Product: Minimum balance to open is $1,000. For balances of $1,000 – $249,999.99. A penalty will be imposed for early withdrawal. Account auto-renews at maturity with a 10-day grace period.
Offer: Term of 36 Months.
4.80% interest rate · Balance cap $249,999.99 · Effective Aug 3, 2026
Rate checked
More details - Advancial Federal Credit UnionSavings CertificatesCD · 60 months · $1,000 min · 4.66%–4.87% by balance
Credit union · 4 branches
4.66%APY$2,558 over 60 months on $10,000Requirements
Product: Advancial membership required ($5 minimum membership share deposit). Subject to early withdrawal penalties.
4.56% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Savings Certificates Balance APY $1,000 and upYour amount 4.66% $25,000 and upJunior Jumbo tier 4.76% $50,000 and upJumbo tier 4.87% Rate checked
More details - 4.52%APY$452 over 1 year on $10,000
Requirements
Offer: Branch account with $1,000 minimum deposit
Effective Oct 6, 2026
Rate checked
More details - 4.50%APY$412 over 11 months on $10,000
Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - Community Resource Credit UnionCertificates of DepositCD · 18 months · $100 min
Credit union · 8 branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: CRCU membership required. Penalty for early withdrawal. Fees may reduce earnings. Jumbo rates are no longer offered. You may add on to your certificate at any time during the term not to exceed $10,000.00 (does not apply to IRA and HSA Certificates). Non-transferable and non-negotiable.
4.40% interest rate · Effective Sep 30, 2026
Rate checked
More details - First Community Credit UnionRegular Certificate of DepositCD · 36 months · $500 min
Credit union · 15 branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate checked
More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Subject to membership eligibility. Dividends compound monthly. Early withdrawal penalties apply (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Minimum deposit required is $1,000.
Offer: Early withdrawal penalty: 120 days’ dividends.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.45%APY$483 over 13 months on $10,000intro rate
Requirements
Product: Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 12-month certificate rate.
Offer: New deposits only from non-Chartway account. $500 minimum (no maximum balance). Renews at current 12-month certificate rate. Early withdrawal penalty applies.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - Members Trust Federal Credit UnionCertificate AccountsCD · 36 months · $1,000 min · 4.39%–4.59% by balance
Credit union · 1 branch
4.39%APY$1,376 over 36 months on $10,000Requirements
Product: Share certificates require just $1,000 to open with terms from 6 months (182 days) up to 7 years. If you need to withdraw the money sooner than expected, you won’t lose any of the principal that you invested.
Offer: 3 Years; Min. $1,000 tier
4.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 and upYour amount 4.39% $25,000 and upMini-Jumbo tier (Min. $25,000) 4.49% $90,000 and upJumbo tier (Min. $90,000) 4.59% Rate checked
More details - 4.35%APY$547 over 15 months on $10,000intro rate
Requirements
Product: Interest compounds daily and is paid monthly (added back to certificate or deposited to an account). Substantial penalty for early withdrawal. Minimum deposit to open CD is $10,000.
Offer: Special
Promotional rate · 4.26% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.35%APY$1,363 over 36 months on $10,000
Requirements
Product: Subject to membership eligibility. Lets you boost your rate one time if term rates go up at any point during your certificate's term. Early withdrawal penalties apply. Minimum deposit required is $1,000.
Offer: Allows a one-time rate bump if rates rise during term. Early withdrawal penalties apply.
4.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.30%APY$213 over 6 months on $10,000intro rate
Requirements
Product: Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 6-month certificate rate.
Offer: New deposits only from non-Chartway account. $500 minimum ($100 if under 18). Renews at standard 6-month certificate rate. Early withdrawal penalty applies.
Promotional rate · Effective Sep 1, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Dividends paid monthly. Account dividends are earned on the daily balance. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice.
Offer: Dividends paid monthly.
4.17% interest rate · Effective Oct 6, 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 Houston, TX metro
944 CDs at 107 banks and credit unions · checked Oct 15–22
- Typical
- 3.25%
- Top 10% from
- 4.04%
- Banks, typical
- 2.00%
- 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.
Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch