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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.

Term
Location

Top CD rates

Showing 1–15 results in Waco, TX

  1. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 3 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  2. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 1 branch

    4.25%APY$461 over 13 months on $10,000intro rate
  3. Top Carrot, Carrot Score 92
    Texell Credit UnionTerm Share CertificateCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.15%APY$415 over 1 year on $10,000intro rate
  4. Huntington BankFixed Rate Certificate of DepositCD · 5 months · $1,000 min

    Bank · 2 branches

    4.10%APY$169 over 5 months on $10,000intro rate
  5. Extraco BanksCertificate of DepositCD · 12 months · $1,000 min

    Bank · 3 branches

    4.00%APY$400 over 1 year on $10,000
  6. Community Bank and TrustSpecial CDCD · 12 months · $500 min

    Bank · 3 branches

    4.00%APY$400 over 1 year on $10,000intro rate
  7. First Central Credit UnionTerm Share CertificateCD · 13 months · $1,000 min

    Credit union · 2 branches

    4.00%APY$434 over 13 months on $10,000
  8. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 2 branches

    3.75%APY$217 over 7 months on $10,000
  9. First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance

    Bank · 3 branches

    3.75%APY$248 over 8 months on $10,000intro rate
  10. Heart O' Texas Federal Credit UnionShare Certificates of DepositCD · 12 months · $1,000 min

    Credit union · 2 branches

    3.65%APY$365 over 1 year on $10,000
  11. Central National BankCertificate of DepositCD · 9 months · $1,000 min

    Bank · 2 branches

    3.62%APY$270 over 9 months on $10,000
  12. Incommons BankCertificates of DepositCD · 6 months · $2,500 min

    Bank · 1 branch

    3.53%APY$175 over 6 months on $10,000
  13. First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance

    Bank · 3 branches

    3.50%APY$203 over 7 months on $10,000intro rate
  14. Members Choice Credit UnionPriority Plus Term Share CertificateCD · 12 months · $1,000 min

    Credit union · 1 branch

    3.50%APY$350 over 1 year on $10,000
  15. Members Choice Credit UnionTerm Share CertificateCD · 12 months · $1,000 min

    Credit union · 1 branch

    3.44%APY$344 over 1 year on $10,000

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 Waco, TX

219 CDs at 17 banks and credit unions · checked Oct 16–22

Typical
1.85%
Top 10% from
3.75%
Banks, typical
0.50%
Credit unions, typical
2.95%

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Waco, TX metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Texell Credit UnionCredit union · 1 branch
  2. GENCO Federal Credit UnionCredit union · 4 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate