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 Victoria, TX metro
- 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 - 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 - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: All Term Share Accounts require a $500.00 minimum balance to open. Jumbo Term Share Accounts ($100,000.00 minimum deposit) earn 0.15% dividend rate above standard Term Share Accounts dividend rate (Simple Interest) when opened new or at renewal. Early withdrawal penalties apply (loss of dividends on amounts withdrawn that would have accrued over 50% of the remaining term). Automatically renews upon maturity.
Offer: 12 Month Term Share Account.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.95%APY$2,137 over 60 months on $10,000
Requirements
Product: Minimum opening deposit is $1,000. Membership with TDECU required. Insured up to $250,000 by NCUA. Penalty for early withdrawal.
Offer: Base Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%).
3.88% interest rate · Balance cap $49,999.99 · Effective Sep 16, 2026
Rate checked
More details - First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance
Bank · 4 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 - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: Maturities available from 3 to 60 months. Stated CD rate is for existing customer only. Non customers will receive a rate of .25% less than the rate listed.
Offer: Compounded Daily, Paid Quarterly. Stated CD rate is for existing customer only. Non customers will receive a rate of .25% less. Early withdrawal penalty may apply.
3.54% interest rate · Compounded daily
Rate checked
More details - Victoria Teachers Federal Credit UnionCertificatesCD · 12 months · $1,000 min · 3.49%–3.72% by balance
Credit union · 1 branch
3.59%APY$359 over 1 year on $10,000Requirements
Offer: Balance tier: $1K–$9,999.99
3.43% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $10,000 3.49% $10,000 – $100,000Your amount 3.59% $100,000 – $245,000Balance tier: $100K–$245K 3.72% Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 4 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 - Victoria City-County Employees FCUCertificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.44%APY$344 over 1 year on $10,000Requirements
Product: All Share Certificates are compounded and paid monthly. Penalties may apply for early withdrawal of Share Certificate deposits.
Offer: Early withdrawal penalty for maturity of 3-12 months is 90 days interest (applies to amount withdrawn). Compounded and paid monthly.
3.38% interest rate · Effective Oct 14, 2026
Rate checked
More details - Frost BankFrost Certificate of Deposit AccountCD · 3 months · $1,000 min · 3.30%–4.00% by balance
Bank · 1 branch
3.30%APY$81 over 3 months on $10,000Requirements
Product: Fixed amount of interest in return. Account automatically renews at maturity with 10 calendar days grace period to withdraw funds without penalty. Penalty may be imposed for early withdrawal. Balance may be used to waive monthly service charges for a Frost consumer checking account (Frost Personal Account, Frost Plus Account, or Frost Premium Account).
Offer: 90 Day CD. Minimum deposit $1,000. Penalty may be imposed for early withdrawal.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Frost Certificate of Deposit Account Balance APY $1,000 – $100,000Your amount 3.30% $100,000 and up90 Day Jumbo CD. Minimum deposit $100,000. 3.65% $500,000 and up90 Day Jumbo CD. Minimum deposit $500,000. Visit a Frost financial center for CDs of $500,000 and over. Interest rate and APY may change at any time at bank discretion. 4.00% Rate checked
More details - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 4 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 - 2.68%APY$543 over 24 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal.
2.65% interest rate · Effective Sep 10, 2026
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 · 4 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 · 4 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 Victoria, TX metro
94 CDs at 10 banks and credit unions · checked Oct 16–22
- Typical
- 2.68%
- Top 10% from
- 3.75%
- Banks, typical
- 1.81%
- Credit unions, typical
- 3.55%
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