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 Killeen, TX metro
- 4.58%APY$458 over 1 year on $10,000
Balance cap $20,000
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 5 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.15%APY$415 over 1 year on $10,000intro rate
Requirements
Product: No setup or maintenance fees. Accounts are subject to penalty for early withdrawal, and terms renew automatically. Insured up to $500,000.
Offer: Must maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal.
Promotional rate · Effective Jun 17, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Fixed rates higher than regular savings.
Offer: Limited time offer. Upon maturity, the 13 month certificate rate and term will rollover to the published 12-month certificate of deposit rate and terms at the time of rollover.
Promotional rate · 4.04% interest rate · Effective Oct 15, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 4 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - A+ Federal Credit UnionNew Money Advantage Share CertificatesCD · 19 months · $1,000 min
Credit union · 1 branch
4.05%APY$649 over 19 months on $10,000intro rateRequirements
Product: Money must be new to A+FCU. $1,000,000 maximum balance allowed across all New Money Advantage Certificates. Cannot use PlusPoints for New Money Advantage Share Certificates. Membership required. Insured by NCUA. New members must open a Membership Savings Account with $2 minimum opening deposit. Penalty may be assessed for early withdrawal.
Offer: Money must be new to A+FCU. Maximum $1,000,000 across all New Money Advantage Certificates. At maturity, automatically renews for an 18-month term.
Promotional rate · Balance cap $1,000,000 · Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Open to new and existing customers. A penalty for early withdrawal may/will be imposed. Fees may reduce earnings. $1,000 minimum balance required to earn the APY.
Offer: 12-month term. Early withdrawal penalties will/may be imposed.
Effective Oct 6, 2026
Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.
Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance
Bank · 23 branches
3.75%APY$248 over 8 months on $10,000intro rateRequirements
Product: Promotions are for a limited time only. 8-month CDs will automatically renew into a 6-month CD.
Offer: Promotional CD offer. Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply. Interest compounded and credited quarterly.
Promotional rate · 3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 8 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 3.75% $50,000 – $100,000 4.25% $100,000 and up 4.25% Rate checked
More details - Heart O' Texas Federal Credit UnionShare Certificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
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 - 3.62%APY$270 over 9 months on $10,000
Requirements
Product: Minimum to open and obtain the APY is $1,000.
Offer: Minimum to open and obtain the APY is $1,000.
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 Killeen, TX metro
227 CDs at 19 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 3.99%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.42%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Killeen, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 4 branches
- Texell Credit UnionCredit union · 5 branches
- Navy Federal Credit UnionCredit union · 4 branches