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 San Angelo, TX metro
- 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$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 - Texas Trust Credit UnionTerm Share Flex CertificateCD · 12 months · $5,000 min
Credit union · 2 branches
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 - 3.96%APY$196 over 6 months on $10,000
Requirements
Product: Must be of legal age to apply for a deposit.
Offer: 180 Days term. Minimum deposit to open and obtain stated APY is $1,000. Penalty for early withdrawal.
Effective Feb 2, 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 - 1st Community Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min
Credit union · 4 branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Dividends compounded and credited monthly on the last calendar day of the month for compounding certificates. Dividends will not be compounded if chosen to be paid directly to member or to another account. Early withdrawal penalties apply.
Offer: Compounding certificate. Dividends compounded and credited monthly.
3.69% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Minimum deposit of $1,000. Interest is paid monthly, quarterly, or at maturity, depending on the term of the Certificate.
3.69% interest rate
Rate checked
More details - First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance
Bank · 2 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 - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Dividends paid quarterly and can be deposited to CD, shares, checking, or withdrawn. A penalty of 90 days dividends applies to early withdrawal of principal.
3.46% interest rate · Effective Apr 1, 2026
Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 2 branches
3.50%APY$203 over 7 months on $10,000intro rateRequirements
Product: Promotional CD. Automatically renews into a 6-month CD at maturity.
Offer: Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply.
Promotional rate · 3.21% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 7 Month Fixed Rate CD Balance APY $500 – $10,000 3.25% $10,000 – $50,000Your amount 3.50% $50,000 – $100,000Promotional CD offer; visit branch to open. 4.00% $100,000 and up 4.20% Rate checked
More details - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 2 branches
3.25%APY$353 over 13 months on $10,000Requirements
Product: 13-month CDs will automatically renew into a 12-month CD.
Offer: Automatically renews into a 12-month CD at maturity. Early withdrawal penalties apply.
3.21% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 13 Month Fixed Rate CD Balance APY $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.75% $100,000 and up 4.00% Rate checked
More details - Coleman County State BankCertificates of DepositCD · 60 months · $1,000 min · 3.20%–3.30% by balance
Bank · 1 branch
3.20%APY$1,706 over 60 months on $10,000Requirements
Product: Rate is fixed for the term of the CD and determined based upon the term and opening deposit. Early withdrawal penalties apply. Interest compounded monthly and credited monthly. Automatic renewal available (promotional CD rates may not be eligible). No additional deposits after opening until maturity.
Offer: Term: 60 Months. $1,000 Minimum opening deposit tier.
3.15% interest rate · Compounded monthly · Effective Dec 18, 2025
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $100,000Your amount 3.20% $100,000 and up 3.30% Rate checked
More details - First National Bank Texas1 Year (12 Month) Fixed Rate CDCD · 12 months · $500 min · 2.25%–2.75% by balance
Bank · 2 branches
2.25%APY$225 over 1 year on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
2.23% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 1 Year (12 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 2.25% $50,000 and up 2.75% Rate checked
More details - 2.00%APY$150 over 9 months on $10,000
Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.99% interest rate · Effective Oct 1, 2026
Rate checked
More details - First National Bank Texas6 Month Fixed Rate CDCD · 6 months · $500 min · 1.85%–2.00% by balance
Bank · 2 branches
1.85%APY$92 over 6 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.84% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 6 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 1.85% $50,000 and up 2.00% 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 San Angelo, TX metro
83 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 3.09%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.48%
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Find your bank or credit union to see all its rates and how they compare near you.
San Angelo, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Texas Trust Credit UnionCredit union · 2 branches