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Lewisville, North Carolina Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Lewisville, North Carolina CD rates include TruistTruist6454 Shallowford Rd, Lewisville, NC 27023A+5.0 ★Texas Ratio: 3.81%Real return: +0.45%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit (CDs) at 3.25% APY, Wells FargoWells Fargo6460 Shallowford Rd, Lewisville, NC 27023A5.0 ★Texas Ratio: 6.32%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Interest Rate at 1.51% APY, Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 1.64%Real return: +1.70%APY minus CPI (February 2026) offering Traditional 12-Month IRA Certificate at 4.50% APY, ADVANCIALADVANCIALA5.0 ★Texas Ratio: 10.42%Real return: +1.69%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY, and Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 3.68%Real return: +1.47%APY minus CPI (February 2026) offering 60 Month Certificate at 4.27% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Lewisville has 7 local institutions in our database, with CD rates as high as 3.25% APY from Truist at 6454 Shallowford Rd, Lewisville, NC 27023. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader North Carolina area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Lewisville, North Carolina & the Surrounding Area
Lewisville 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6460 Shallowford Rd, Lewisville, NC 27023
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6460 Shallowford Rd, Lewisville, NC 27023
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Certificate
$5,000
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Live Oak Bank
Institution Rating:
F2.6 ★Texas Ratio: 44.39%
3-month CD
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
3 Month Standard CDs and IRAs
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
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ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.55%
▲ 0.49% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.49% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
3 Month Certificate
$500
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.44% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$0
2.45%
▲ 0.39% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.39% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.45%
▲ 0.39% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.39% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$0
2.40%
▲ 0.34% above national avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.34% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3 Month IRA Certificate
$500
2.40%
▲ 0.34% above national avg
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.34% above avg
Details
Published APY range: 2.40% - 2.60%; Published rate range: 2.37% - 2.57%. Balance: $500.00 - $250,000.00
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$0
2.34%
▲ 0.28% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.28% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 3 months
$0
2.34%
▲ 0.28% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.28% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 3 Month
$50,000
2.33%
▲ 0.27% above national avg
▼
Rate2.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.27% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 3 Month
$10,000
2.33%
▲ 0.27% above national avg
▼
Rate2.30%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.27% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & IRA Certificates 3 Month
$500
2.33%
▲ 0.27% above national avg
▼
Rate2.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.27% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3 Month Certificate
$500
2.30%
▲ 0.24% above national avg
▼
Rate2.27%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.24% above avg
Details
Published APY range: 2.30% - 2.50%; Published rate range: 2.27% - 2.47%. Balance: $500.00 - $250,000.00
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month IRA Certificates
$0
2.15%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.09% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Share Certificates
$0
2.15%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.09% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Young Certificates
$0
2.15%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.09% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
90 Day Certificate
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.04% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
90 Day Standard Personal Share Certificates
$0
1.92%
▼ 0.14% below national avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.14% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month CD
$250
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $250.00 - $9,999.99
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Share Certificates
$100,000
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.16% below avg
Details
Balance: $100,000 and over
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Business 3 Month Share Certificate
$100,000
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.16% below avg
Details
Balance: $100,000 and over
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Premium - 3 Months
$0
0.85%
▼ 1.21% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.21% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Share Certificates
$500
0.85%
▼ 1.21% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.21% below avg
Details
Balance: $500 - $100,000
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Business 3 Month Share Certificate
$500
0.85%
▼ 1.21% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.21% below avg
Details
Balance: $500 - $100,000
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
90-Day Certificate
$500
0.80%
▼ 1.26% below national avg
▼
Rate0.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.26% below avg
Details
Non-premier member APY: 0.55% | Dividend Rate: 0.55%
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month Certificates of Deposit (CD)
$0
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.31% below avg
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Time Deposits & IRAs - 3 Months
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.46% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
3-month term
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.46% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Standard CDs - 3-month term
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.46% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Standard Rate CDs
$500
0.50%
▼ 1.56% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.56% below avg
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3 Month CD
$500
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.56% below avg
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Business Edge - 90 Day Certificate
$1,000
0.50%
▼ 1.56% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.56% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
3-month term Regular
$0
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.56% below avg
Details
Standard CDs
Lewisville 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6460 Shallowford Rd, Lewisville, NC 27023
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.70% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.70% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6460 Shallowford Rd, Lewisville, NC 27023
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.71% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 month Share Certificate Special
$0
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.29% above avg
Details
When paired with an Ultra Checking account, earn up to 4.05% APY for 6 months
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6 Month Certificate
$250
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Live Oak Bank
Institution Rating:
F2.6 ★Texas Ratio: 44.39%
6-month CD
$0
3.95%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.19% above avg
Details
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
6 Month Certificates
$1,000
3.91%
▲ 1.15% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.15% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
6 Month Business Jumbo Choice Certificate 6
$75,000
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
6 Month Jumbo Choice Certificate 6
$75,000
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★Texas Ratio: 58.52%
6 Month Share Certificates
$5,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
6 Month Jumbo CD
$50,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
6 Month Share Term Certificate
$250
3.75%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
6 Month IRA Choice Certificate 6
$250
3.70%
▲ 0.94% above national avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (180 Day)
$500
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
6-MONTH CD
$500
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 Month Certificates of Deposit (CDs)
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.89% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
Certificates of Deposit (CDs) - 6 Months
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.89% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
6 Month IRA Traditional & Roth CD
$500
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
6 Month Regular CD
$500
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Excite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
6 Month Business Certificate
$500
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
APY=Annual Percentage Yield; 4.170% Dividend Rate
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
6 Month CD
$1,000
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Share Certificate 6 Months
$500
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.80% above avg
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6-mo. Share Certificate
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Senior Rewards
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 6 Month
$250
3.54%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.78% above avg
Details
Fixed Rate
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
6 Month Share Certificate
$500
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6 Month Certificate
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6-mo. Share Certificate
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 6 Months
$200,000
3.40%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
$200
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
6 Month Certificate or IRA
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.59% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 6 Months
$100,000
3.35%
▲ 0.59% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
$100
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
6 Month Business Certificate Account
$250
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
6 Month Certificate
$250
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month IRA Certificate Accounts
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month Share Certificate Accounts
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
6 Month Certificate
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
$50,000.00 or greater
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Months (182 Days)
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 6 Months
$100,000
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
6 Month Share Term Certificates Regular
$500
3.20%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.44% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 6 Months
$1,000
3.15%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.39% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
6 Month Share Certificates
$50,000
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.34% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month Standard CDs and IRAs
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
Schedule an Appointment
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Month IRA and Share Certificates
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.24% above avg
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
6 Month Term Certificate
$500
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.24% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
6 Month Certificate
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.24% above avg
Details
Balance: $500.00-$49,999.99
WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6-Month Share Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$0
2.95%
▲ 0.19% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.19% above avg
Details
Lewisville 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
6454 Shallowford Rd, Lewisville, NC 27023
12 Month Certificate of Deposit (CDs)
$0
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
Special rate on select new CD accounts.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6460 Shallowford Rd, Lewisville, NC 27023
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.44% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6460 Shallowford Rd, Lewisville, NC 27023
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.45% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Relationship APY 1.51%. Early withdrawal penalties may apply.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 12-Month IRA Certificate
$500
4.50%
▲ 1.55% above national avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
Non-premier member rate: 4.25% | 4.17%; Traditional & Roth Certificates Rates
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Certificate
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Starter Add-On Certificate
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details
Cecil County School Employees Federal Credit Union
12-Month Certificate
$500
4.20%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.25% above avg
Details
Reach your goals faster with only a $500 minimum deposit!
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
SmartStart 12 Month Certificate
$0
4.16%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.21% above avg
Details
Deposits allowed at any time! Fixed rate with guaranteed dividends. Jumpstart a lifetime of saving and investing.
Live Oak Bank
Institution Rating:
F2.6 ★Texas Ratio: 44.39%
1-Year CD
$0
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Lions Share Federal Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 15.10%
12-Month IRA CD
$500
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.20% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 Month Business Jumbo Choice Certificate 12
$75,000
4.10%
▲ 1.15% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.15% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 Month Jumbo Choice Certificate 12
$75,000
4.10%
▲ 1.15% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.15% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Add-On Certificate
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month Certificate
$500
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.11% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month Certificate
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 Month IRA Choice Certificate 12
$250
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
12 Month Elite Jumbo CD
$250,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Certificate Special
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
12 Month Certificate
$250
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
12 Month Share Certificate
$1,000
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.95% above avg
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Month Certificate
$0
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.92% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Share Certificate 12 Months
$500
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.92% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
12 Month Jumbo CD
$50,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (12 Month)
$500
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month Certificate
$500
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month SmartStart
$100
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 12 Month
$250
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
Fixed Rate
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
12-MONTH CD
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1 Year Certificate
$500
3.76%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.81% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Month Standard Personal Share Certificates
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.81% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Month Traditional IRA Certificates
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.81% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Certificate
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Non-premier member APY: 3.50% | Dividend Rate: 3.44%
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
1 Year IRA Traditional & Roth CD
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
12 Month Regular CD
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
12 Month Share Term Certificate
$250
3.75%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Certificates of Deposit - 12 Months
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Minimum Deposit: $500.00-$29,999.99
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12 Month Term Certificate
$0
3.72%
▲ 0.77% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.95%▲ 0.77% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month Individual Retirement Account (IRA) Certificate
$0
3.72%
▲ 0.77% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.77% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month Term Certificate
$0
3.72%
▲ 0.77% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.77% above avg
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
12 Month Fixed Rate
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 12 Months
$200,000
3.70%
▲ 0.75% above national avg
▼
Rate3.70%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
$200
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month IRA Certificate Accounts
$500
3.66%
▲ 0.71% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.71% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Share Certificate Accounts
$500
3.66%
▲ 0.71% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.71% above avg
Details
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
12-Month Share Certificate
$1,000
3.65%
▲ 0.70% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.70% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 12 Months
$100,000
3.65%
▲ 0.70% above national avg
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.70% above avg
Details
$100
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
1 Year Share Certificates (Share & IRA)
$1,000
3.60%
▲ 0.65% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
12 Month Certificate
$500
3.60%
▲ 0.65% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 12 Months
$500
3.60%
▲ 0.65% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★Texas Ratio: 58.52%
12 Month Share Certificates
$5,000
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.60% above avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
CD & IRA - 12 Months
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: Quarterly Post or Interest Checks
Lewisville 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Certificate
$500
4.20%
▲ 1.39% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.39% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
18 Month Business Jumbo Choice Certificate 18
$75,000
4.10%
▲ 1.29% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.29% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
18 Month Jumbo Choice Certificate 18
$75,000
4.10%
▲ 1.29% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.29% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month Jumbo CD
$50,000
4.10%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.29% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
18 Month Certificate
$250
4.10%
▲ 1.29% above national avg
▼
Rate4.03%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month Certificate
$1,000
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 - 18 Month Business Choice Certificate 18
$500
4.00%
▲ 1.19% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 - 18 Month Choice Certificate 18
$250
4.00%
▲ 1.19% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
18 Month IRA Choice Certificate 18
$250
4.00%
▲ 1.19% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month CD
$500
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Certificates of Deposit - 18 Months
$500
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Minimum Deposit: $500.00-$29,999.99
Live Oak Bank
Institution Rating:
F2.6 ★Texas Ratio: 44.39%
18-Month CD
$0
3.95%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.14% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
18 Month Jumbo CD
$50,000
3.90%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (18 Month)
$500
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 18 Month
$250
3.85%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.04% above avg
Details
Fixed Rate
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18 Month Share Term Certificate
$250
3.85%
▲ 1.04% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.04% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
18 Month IRA Traditional & Roth CD
$500
3.80%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.99% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
18 Month Regular CD
$500
3.80%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.99% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
18 Month Term Certificate
$0
3.77%
▲ 0.96% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.81%▲ 0.96% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.96% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.96% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Term Certificate
$0
3.77%
▲ 0.96% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.96% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Month Certificate
$0
3.76%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.95% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
18 Month Share Certificate
$1,000
3.75%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.94% above avg
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 18 Months
$200,000
3.75%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
$200
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate Special
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 18 Months
$100,000
3.70%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.89% above avg
Details
$100
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Month Standard Personal Share Certificates
$0
3.66%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.85% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Month Traditional IRA Certificates
$0
3.66%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.85% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificates 18 month
$500
3.66%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.85% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Share Certificate 18 Months
$500
3.56%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.75% above avg
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
18 Month Certificate or IRA
$0
3.55%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.74% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month IRA Certificates
$0
3.55%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.74% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Share Certificates
$0
3.55%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.74% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Young Certificates
$0
3.55%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.74% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
18 Month Share Term Certificates Regular
$500
3.55%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.74% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month Business Certificate Account
$250
3.51%
▲ 0.70% above national avg
▼
Rate3.45%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.70% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month Certificate
$250
3.51%
▲ 0.70% above national avg
▼
Rate3.45%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.70% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 18-Month IRA Certificate
$500
3.50%
▲ 0.69% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.69% above avg
Details
Non-premier member rate: 3.25% | 3.20%; Traditional & Roth Certificates Rates
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
18 Month Term Certificate
$500
3.50%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.69% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18-Month Special Share Certificate
$10,000
3.50%
▲ 0.69% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.69% above avg
Details
Limited time Special rate
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 Month IRA Certificate
$0
3.45%
▲ 0.64% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.64% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month Fixed Rate IRA
$0
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.49% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month Variable Rate IRA
$0
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.49% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
18 Month Share Certificates
$2,000
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.49% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.28%
▲ 0.47% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.47% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 Month Certificates of Deposit (CDs)
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
Certificates of Deposit (CDs) - 18 Months
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18-Month Certificate
$500
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.44% above avg
Details
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
Lewisville 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.42% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24 Month Certificate
$250
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
24 Month Business Jumbo Choice Certificate 24
$75,000
4.20%
▲ 1.37% above national avg
▼
Rate4.12%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
24 Month Jumbo Choice Certificate 24
$75,000
4.20%
▲ 1.37% above national avg
▼
Rate4.12%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Share Certificates
$100,000
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.32% above avg
Details
Balance: $100,000 and over
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Certificate
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.32% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$500
4.11%
▲ 1.28% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.28% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
19 - 24 Month Business Choice Certificate 24
$500
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
19 - 24 Month Choice Certificate 24
$250
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
24 Month IRA Choice Certificate 24
$250
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
24 Month Elite Jumbo CD
$250,000
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month IRA Certificate Accounts
$500
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.24% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month Share Certificate Accounts
$500
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.24% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Certificate
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Lions Share Federal Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 15.10%
24-Month IRA CD
$500
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Share Certificates
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Balance: $500 - $100,000
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
24 Month Jumbo CD
$50,000
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (24 Month)
$500
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 24 Month
$250
3.90%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
Fixed Rate
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$500
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.02% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
2 Year IRA Traditional & Roth CD
$500
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.02% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
24 Month Regular CD
$500
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.02% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
24 Month Share Term Certificate
$250
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 24 Months
$200,000
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
$200
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Executive
$100,000
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Executive
$100,000
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive
$0
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 24 Months
$100,000
3.80%
▲ 0.97% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details
$100
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
24 Month Term Certificate
$0
3.77%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.83%▲ 0.94% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.94% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Term Certificate
$0
3.77%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.94% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month Certificate
$0
3.76%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.93% above avg
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
24 Month Fixed Rate
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.92% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
24 Month Share Certificate
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Premier
$10,000
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.87% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Premier
$10,000
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.87% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
24 Month Certificate
$1,000
3.70%
▲ 0.87% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.87% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 24 Months
$500
3.70%
▲ 0.87% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.87% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
24-MONTH CD
$2,500
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.87% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month Standard Personal Share Certificates
$0
3.66%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.83% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month Traditional IRA Certificates
$0
3.66%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.83% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
2 Year IRA Certificate
$500
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.82% above avg
Details
Published APY range: 3.65% - 3.85%; Published rate range: 3.59% - 3.78%. Balance: $500.00 - $250,000.00
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
24 Month Share Term Certificates Regular
$500
3.65%
▲ 0.82% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth
$500
3.60%
▲ 0.77% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional
$500
3.60%
▲ 0.77% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
24 Month IRA Certificates
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
24 Month Share Certificates
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
24 Month Young Certificates
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24 Month Share Certificates
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Balance: $2,500.00 - 24,999.00
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Lewisville 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificates
$0
4.25%
▲ 1.50% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.50% above avg
Details
1x Bump Up
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$500
4.16%
▲ 1.41% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.41% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
36 Month Elite Jumbo CD
$250,000
4.15%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
3 Years Add-On Certificate
$0
4.15%
▲ 1.40% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.40% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
36 Month Certificate
$1,000
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.25% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
36 Month Jumbo CD
$50,000
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
36 Month Business Jumbo Choice Certificate 36
$75,000
3.95%
▲ 1.20% above national avg
▼
Rate3.88%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
36 Month Jumbo Choice Certificate 36
$75,000
3.95%
▲ 1.20% above national avg
▼
Rate3.88%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$500
3.91%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.16% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 3 years
$0
3.91%
▲ 1.16% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.16% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
3 Year IRA Traditional & Roth CD
$500
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
36 Month Regular CD
$500
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 36 Months
$200,000
3.90%
▲ 1.15% above national avg
▼
Rate3.90%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.15% above avg
Details
$200
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
25 - 36 Month Business Choice Certificate 36
$500
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.10% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
25 - 36 Month Choice Certificate 36
$250
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.10% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
36 Month IRA Choice Certificate 36
$250
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.10% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 36 Months
$100,000
3.85%
▲ 1.10% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.10% above avg
Details
$100
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
36 Month Term Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 1.07% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Fixed Rate IRA
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.07% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
36 Month IRA Certificate Accounts
$500
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.07% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
36 Month Share Certificate Accounts
$500
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.07% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Term Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
36 Month Certificate
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.05% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 36 Months
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.05% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (36 Month)
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.05% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.05% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
36 Month Certificate
$250
3.80%
▲ 1.05% above national avg
▼
Rate3.74%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.05% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
36 Month Share Certificate
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.00% above avg
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
36 Month Share Term Certificate
$250
3.75%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
36 Month Certificate
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
36 Month Share Term Certificates Regular
$500
3.70%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.95% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 3 years
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.95% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Month IRA Certificates
$0
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.90% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Month Share Certificates
$0
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.90% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Month Young Certificates
$0
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.90% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 36 Month
$250
3.64%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.89% above avg
Details
Fixed Rate
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
36 Month Certificate or IRA
$0
3.60%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.85% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Month Certificate
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.81% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Share Certificate 36 Months
$500
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.81% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth Executive
$100,000
3.55%
▲ 0.80% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Traditional Executive
$100,000
3.55%
▲ 0.80% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
36 Month IRA Certificates
$2,000
3.51%
▲ 0.76% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.76% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
36 Month Share Certificates
$2,000
3.51%
▲ 0.76% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.76% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
36 Month Business Certificate Account
$250
3.46%
▲ 0.71% above national avg
▼
Rate3.40%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.71% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
36 Month Certificate
$250
3.46%
▲ 0.71% above national avg
▼
Rate3.40%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.71% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Month Standard Personal Share Certificates
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.70% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Month Traditional IRA Certificates
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.70% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificates 36 month
$500
3.45%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.70% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth Premier
$10,000
3.45%
▲ 0.70% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.70% above avg
Details
Lewisville 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
48 Month Elite Jumbo CD
$250,000
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$500
4.22%
▲ 1.46% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.46% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12%
▲ 1.36% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.36% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.25% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
48 Month Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
48 Month Business Jumbo Choice Certificate 48
$75,000
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
48 Month Jumbo Choice Certificate 48
$75,000
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
48 Month Regular CD
$500
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
48 Month Share Term Certificate
$250
4.00%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$500
3.96%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.20% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 48 Months
$200,000
3.93%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.17% above avg
Details
$200
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 4 years
$0
3.91%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.15% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
37 - 48 Month Business Choice Certificate 48
$500
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
37 - 48 Month Choice Certificate 48
$250
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
48 Month IRA Choice Certificate 48
$250
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
48 Month Certificate
$250
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 48 Months
$100,000
3.88%
▲ 1.12% above national avg
▼
Rate3.88%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.12% above avg
Details
$100
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 48 Month
$250
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Fixed Rate
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
48 Month Share Certificate
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month IRA Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month Share Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month Young Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
48 Month Share Term Certificates Regular
$500
3.73%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.97% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
48 Month IRA Certificate Accounts
$500
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.75% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
48 Month Share Certificate Accounts
$500
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.75% above avg
Details
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48 Month IRA and Share Certificates
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48 Month Certificate
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 48 Months
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month Certificate
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month Certificate
$250
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.59% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Month Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4 Year IRA Certificate
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Published APY range: 3.30% - 3.50%; Published rate range: 3.25% - 3.44%. Balance: $500.00 - $250,000.00
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
48 Month Certificate
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
4 Year Certificate
$0
3.20%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Month Standard Personal Share Certificates
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.44% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Month Traditional IRA Certificates
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.44% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4 Year Certificate
$500
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
Published APY range: 3.20% - 3.40%; Published rate range: 3.15% - 3.34%. Balance: $500.00 - $250,000.00
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$0
3.19%
▲ 0.43% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.43% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
4 Year IRA Certificates
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details
Term: 4 Year IRA Certificate; $1,000 minimum balance to open
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 48 Month
$50,000
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.33% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 48 Month
$10,000
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.33% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & IRA Certificates 48 Month
$500
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.33% above avg
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★Texas Ratio: 58.52%
48 Month IRA Certificates
$5,000
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.28% above avg
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★Texas Ratio: 58.52%
48 Month Share Certificates
$5,000
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.28% above avg
Details
Lewisville 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49%
▲ 1.66% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.66% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.39%
▲ 1.56% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.56% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 5 years
$0
4.28%
▲ 1.45% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.45% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate
$500
4.27%
▲ 1.44% above national avg
▼
Rate4.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.44% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
6 - 60 month terms
$500
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details
Guaranteed return, flexible terms
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
60 Month Elite Jumbo CD
$250,000
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Certificate
$250
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.32% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
60 Month Business Jumbo Choice Certificate 48
$75,000
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
60 Month Jumbo Choice Certificate 60
$75,000
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate
$500
4.01%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.18% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
60 Month Certificate
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
49 - 60 Month Business Choice Certificate 60
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
49 - 60 Month Choice Certificate 60
$250
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
60 Month IRA Choice Certificate 60
$250
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
5 Year IRA Traditional & Roth CD
$500
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
60 Month Regular CD
$500
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
60 Month Share Term Certificate
$250
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month Fixed Rate
$0
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.12% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 60 Month
$250
3.95%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.12% above avg
Details
Fixed Rate
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 60 Months
$200,000
3.95%
▲ 1.12% above national avg
▼
Rate3.95%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.12% above avg
Details
$200
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month IRA Certificates
$0
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Share Certificates
$0
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Young Certificates
$0
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 60 Months
$100,000
3.90%
▲ 1.07% above national avg
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
$100
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
60 Month Term Certificate
$0
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.83%▲ 0.99% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.99% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Term Certificate
$0
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.99% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
60 Month Share Certificate
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month IRA and Share Certificates
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.92% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
60 Month Share Term Certificates Regular
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth Executive
$100,000
3.60%
▲ 0.77% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional Executive
$100,000
3.60%
▲ 0.77% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
5 Years Certificate
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
60 Month IRA Certificates
$2,000
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.68% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
60 Month Share Certificates
$2,000
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.68% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth Premier
$10,000
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional Premier
$10,000
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
60 Month Certificate
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 60 Months
$500
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
5 Year Share Certificate
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.62% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.57% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth
$500
3.40%
▲ 0.57% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional
$500
3.40%
▲ 0.57% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.52% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
5 Year IRA Certificate
$500
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.52% above avg
Details
Published APY range: 3.35% - 3.55%; Published rate range: 3.30% - 3.49%. Balance: $500.00 - $250,000.00
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.47% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
60 Month Certificate
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.47% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
60 Month Certificate
$250
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.47% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
60 Month Certificate
$500
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.47% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
5 Year Certificates
$0
3.29%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.46% above avg
Details
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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 Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Lewisville, NC CD Rate Trends
Compare local Lewisville, NC CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NC Avg
2.945%
▲ 0.004 vs 7 days ago
North Carolina 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD NC Avg
2.760%
Unchanged vs 7 days ago
North Carolina 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NC CD Rate Forecast, Next 12 Months
Where are North Carolina CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NC 12-Month Avg APY
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
Powered by
MonitorBankRates
What Your Savings Earn at NC CD Rates Today
Annual interest earnings at today’s North Carolina average APYs. State average used where available; national average as fallback.
| CD Term | NC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Lewisville, North Carolina Savers
$25,000 split equally across 5 terms using today’s North Carolina average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/yr | |
Ladder example uses equal $5,000 rungs and North Carolina average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
746
CD Rates
Tracked in Lewisville, North Carolina
Tracked in Lewisville, North Carolina
24 Banks
52 Credit Unions
About Our Lewisville, North Carolina CD Rate Database
MonitorBankRates tracks 746 CD rates from 24 banks and 52 credit unions with locations in Lewisville, North Carolina, plus national online institutions available to North Carolina residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Truist offers a CD at 3.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lewisville, North Carolina.
How to Find the Best CD Rates in Lewisville, North Carolina
What to compare when shopping for a CD in Lewisville, North Carolina
To find the best APYs in Lewisville, North Carolina, start with credit unions and online-only banks: Lewisville, North Carolina has 52 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Lewisville, North Carolina
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Lewisville, North Carolina: 76 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Lewisville, North Carolina savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Lewisville, North Carolina money market rates
Lewisville, North Carolina Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.1%
National avg: 17.3%
Median Individual Earnings
$42,316
National avg: $47,340
Poverty Rate
10.2%
National avg: 11.1%
Unemployment Rate
1.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$125/yr
At NC 12-mo avg 2.945% APY
16.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 1.9% reflects a strong local economy. At today’s NC 12-month CD average of 2.945%, saving 10% of the local median salary ($4,231/year) and putting it in a CD would earn an additional $125 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Lewisville, North Carolina
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Lewisville, North Carolina
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Lewisville, North Carolina typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Lewisville, North Carolina as everywhere in the U.S.
Choosing a CD Term in Lewisville, North Carolina
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Lewisville, North Carolina savers easier access to their funds. For example, Wells Fargo is offering its 6 month Standard Interest Rate at 0.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Lewisville, North Carolina Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Lewisville, North Carolina saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Lewisville, North Carolina
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Lewisville, North Carolina CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Lewisville, North Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a Lewisville, North Carolina depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Lewisville, North Carolina
Are CD rates in Lewisville, North Carolina FDIC insured?
Yes, most established banks in Lewisville, North Carolina are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Lewisville, North Carolina?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Lewisville, North Carolina.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Lewisville, North Carolina may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Lewisville, North Carolina?
Here are recent top rates found for this area:
- Truist: 3.25% APY (12 Month Certificate of Deposit (CDs))
- Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
- Fort Financial Federal Credit Union: 4.50% APY (Traditional 12-Month IRA Certificate)
- ADVANCIAL: 4.49% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
- Founders Federal Credit Union: 4.27% APY (60 Month Certificate)
- Crescent Bank: 4.25% APY (24-month CD)
- Ukrainian Federal Credit Union: 4.25% APY (3 Year Certificates)
- Skyla Federal Credit Union: 4.25% APY (48 Month Elite Jumbo CD)
- Empeople Credit Union: 4.25% APY (12 Month Certificate)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On Certificate)
Rates reflect recent verified offers available in Lewisville, North Carolina. Last Updated: September 22, 2026
Lewisville, North Carolina CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Lewisville, North Carolina rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Lewisville, North Carolina
Lewisville, North Carolina CD Calculator
At today’s NC top rate of 3.25% APY, a $10,000 deposit earns $325 in the first year. Enter your amount to see your exact return.
Lewisville, North Carolina CD LadderNC CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lewisville, North Carolina CD at 3.25% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNorth Carolina’s average 12-month CD is 2.945% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lewisville, North Carolina CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Lewisville, North Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Lewisville, North Carolina. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 22, 2026
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