Central Bank Houston, TX CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.30%, 6-month CD rates at 3.30% and 3-month CD rates at 0.05%. Current savings rates are at 0.35% and money market rates are at 0.50%. Mortgage rates today on 30-year fixed loans are around 6.02%. Credit Card rates are at 19.74%. Personal Loan rates are at 12.50%. All these rates, and more, can be found in our database of rates. Central Bank Houston, TX's 12-Month CD rates are at 0.50%, 6-Month CD rates are at 0.45%, 3-Month CD rates are at 0.35%. Central Bank Houston, TX's savings rates are at 0.05%. Central Bank Houston, TX's money market rates are at 1.50%.

Central Bank Houston, TX

To see how these rates compare to Central Bank Houston, TX CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Central Bank Houston, TX, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Central Bank Houston, TX CD rates. You can also compare Central Bank Houston, TX savings rates, MMA rates and mortgage rates using our other rate lists.

Central Bank Houston, TX money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central Bank Houston, TX? Share your experience about Central Bank Houston, TX by leaving a review below, or read customer reviews before you decide to use Central Bank Houston, TX.

Central Bank Houston, TX Texas Ratio

Central Bank Houston, TX's Texas Ratio is at 2.38%, which is considered excellent. The Texas Ratio for Central Bank Houston, TX is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Central Bank Houston, TX is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
0.50%
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
0.05%
MMA
1.50%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Central Bank Houston, TX
11201 Clay Rd
Houston, TX 77041
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Central Bank Houston, TX CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Central Bank Houston, TX
Central Bank Houston, TX
Money Market
1.50%
$500,000
Central Bank Houston, TX
Central Bank Houston, TX
12-Month CD
0.50%
$1,000
Central Bank Houston, TX
Central Bank Houston, TX
6-Month CD
0.45%
$1,000
Central Bank Houston, TX
Central Bank Houston, TX
3-Month CD
0.35%
$1,000
Central Bank Houston, TX
Central Bank Houston, TX
Savings
0.05%
$200
Central Bank Houston, TX
Central Bank Houston, TX
Central Choice Premier Checking
0.05%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Central Bank Houston, TX Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Access Federal Credit Union
Access Federal Credit Union
12-Month CD
4.25%
$1,000
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
12-Month CD
4.16%
$1,000
Fidelity
Fidelity
60-Month CD
4.05%
$1,000
University Federal Credit Union
University Federal Credit Union
36-Month CD
3.75%
$1,000
Quaint Oak Bank
Quaint Oak Bank
36-Month CD
3.75%
$500
Farm Bureau Bank FSB
Farm Bureau Bank FSB
6-Month CD (CDARS)
3.60%
$250,000
First State Bank of Porter
First State Bank of Porter
12-Month CD
3.56%
$1,000
The Peoples S&L Co.
The Peoples S&L Co.
60-Month CD
3.55%
$500
The Bank of Tescott
The Bank of Tescott
60-Month CD
3.50%
$1,000
Communitywide Federal Credit Union
Communitywide Federal Credit Union
60-Month CD
3.40%
$1,000
PSB Indianola, IA
PSB Indianola, IA
60-Month CD
3.35%
$1,000
New Peoples Bank
New Peoples Bank
48-Month CD
3.30%
$0
ableBanking
ableBanking
48-Month CD
3.00%
$5,000
Heritage Bank Minnesota
Heritage Bank Minnesota
60-Month CD
2.78%
$250
First National Bank and Trust AL
First National Bank and Trust AL
24-Month CD
2.75%
$1,000
Genoa Community Bank
Genoa Community Bank
48-Month CD
2.61%
$500
Farmers State Bank (Marion, IA)
Farmers State Bank (Marion, IA)
12-Month CD
2.50%
$1,000
The Valley State Bank
The Valley State Bank
60-Month CD
2.27%
$500
National Bank of Blacksburg
National Bank of Blacksburg
24-Month CD
2.17%
$500
Benton State Bank
Benton State Bank
12-Month CD
2.01%
$500
Triad Bank, N.A.
Triad Bank, N.A.
12-Month CD (Jumbo)
2.01%
$100,000
NCB North Cambridge Coopertive Bank
NCB North Cambridge Coopertive Bank
36-Month CD
2.00%
$1,000
Community Bank Owatonna
Community Bank Owatonna
48-Month CD
1.40%
$1,000
PennCrest Bank
PennCrest Bank
60-Month CD
1.25%
$1,000
FNB of Brownstown
48-Month CD
1.25%
$1,000
BankOrion
BankOrion
60-Month CD
1.10%
$500
Buena Vista National Bank
Buena Vista National Bank
3-Month CD
0.85%
$500
CIBM Bank
CIBM Bank
24-Month CD
0.65%
$500
Commonwealth Community Bank, Inc.
Commonwealth Community Bank, Inc.
18-Month CD
0.60%
$0
Ballston Spa National Bank
Ballston Spa National Bank
48-Month CD
0.60%
$500
Farmers State Bank Center, TX
Farmers State Bank Center, TX
Money Market Plus
0.55%
$25,000
The Dime Bank
The Dime Bank
12-Month CD
0.55%
$2,500
Colonial Savings, F.A.
Colonial Savings, F.A.
Statement Savings
0.50%
$50
First Federal Community Bank N.A.
First Federal Community Bank N.A.
24-Month CD
0.50%
$500
Jones Bank
Jones Bank
Savings
0.50%
$0
Middlesex Federal Savings
Middlesex Federal Savings
24-Month CD
0.50%
$500
North Shore Bank
North Shore Bank
60-Month CD
0.35%
$1,000
G. W. Jones Exchange Bank
G. W. Jones Exchange Bank
Interest-Earning Checking
0.30%
$500
Savings Bank Wakefield, MA
Savings Bank Wakefield, MA
60-Month CD
0.30%
$100
First National Bank in Trinidad
First National Bank in Trinidad
Savings
0.25%
$10
Hometown Bank Oxford, MA
Hometown Bank Oxford, MA
12-Month CD
0.20%
$1,000
Fayetteville Bank
Fayetteville Bank
Gold Star Money Market
0.15%
$100
The Blue Grass Valley Bank
The Blue Grass Valley Bank
Regular Savings
0.15%
$50
SNB St. Henry Bank
SNB St. Henry Bank
24-Month CD
0.15%
$1,000
Schuyler Savings Bank
Schuyler Savings Bank
Passbook Savings
0.10%
$10
Dieterich Bank
Dieterich Bank
Save Green Personal Savings
0.10%
$0
Charter Bank IA
Charter Bank IA
Interest Checking
0.10%
$100
Westfield Bank
Westfield Bank
Classic Statement Savings
0.05%
$10
Abington Bank
Abington Bank
Get Real Savings
0.05%
$10
Town & Country Bank Salem, MO
Town & Country Bank Salem, MO
Smart Savings
0.04%
$25
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 16, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Central Bank Houston, TX Information

Central Bank Houston, TX
11201 Clay Rd
Houston, TX 77041
Harris
Established Date: 05/31/1956
FDIC Certificate #: 17612
Date of FDIC Deposit Insurance: 05/31/1956
Bank Holding Company: CENTRAL BANCSHARES INC
How Many Domestic U.S. Offices? 4
How Many Branches are There? 4
Is Central Bank Houston, TX FDIC Insured? Yes
What is Central Bank Houston, TX's Cert number? 17612
What is the maximum amount for insured deposits? $250,000 per holder, per account

Central Bank Houston, TX Financials

Total Assets:
$1,087,131,000
Total Deposits:
$974,994,000
Equity Capital:
$98,980,000
Domestic Deposits:
$974,994,000
Net Income:
$5,257,000
Return on Assets:
2.3194%
Quarterly Return on Assets:
1.9200%
Pretax Return on Assets:
1.9150%
Pretax Quarterly Return on Assets:
1.9200%
Return on Equity:
27.8200%
Quarterly Return on Equity:
21.4500%
Common Equity Tier 1 Capital Ratio:
12.6472%
Tier 1 Risk-Based Capital Ratio:
12.6472%
Leverage Tier 1 (Core Capital) Ratio:
10.1081%
Total Risk-Based Capital Ratio (YTD):
13.7903%
Total Interest Income (YTD):
6.6423%
 
 
Headquarters:
Houston
FDIC Field Office:
Houston
Regulator:
FED
County:
Harris
# of Offices:
4
Metropolitan Statistical Area (MSA):
Houston-The Woodlands-Sugar Land, TX
Consolidated Metropolitan Statistical Area (CMSA):
Houston-Galveston-Brazoria, TX
OTS Region:
West
FDIC Region:
Dallas
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage rates decreased in the most recent mortgage survey released Wednesday morning. 30 year mortgage rates decreased to 4.75 percent for the week ending June 18, 2010 in the latest Weekly Mortgage Application Survey released by Mortgage Bankers Association (MBA). The average 30 year mortgage rate is down from the previous week's average of 4.82 percent. Mortgage discount points averaged 1.07 points, up from the prior week's average of 0.89 points. The average contract 15 year mortgage rate is down to 4.19 percent for the week ending June 18, 2010, down from the previous week's average contract mortgage rate of 4.23 percent. Average mortgage discount points increased to 1.00 points, up from the prior week’s average of 0.83 points. The average contract rate for 1 year adjustable mortgage rates is down to 7.05 percent for the week ending June 18, 2010, down from the prior week’s average contract mortgage rate of 7.07 percent. Mortgage points on 1 year adjustable mortgage rates remained unchanged at 0.27 points.
Mortgage rates are barely changed today, the current average conforming 30 year mortgage rate is at 4.62%, unchanged from yesterday's average rate as reported by MonitorBankRates.com.

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Central Bank Houston, TX Reviews

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