Texas Best CD Rates September 2026

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

No minimum deposit.

MIN BALANCE - $99,999.99

Qualifications Required: High-Yield Rewards Checking Account required; High-Yield Rewards Checking Account required

Compounded: ; Credited: At Maturity

Interest is not compounded. Interest will be credited to your account at maturity.

Balance: $100,000 and over

Balance: $500,000+; $500,000+ minimum balance

Annual Percentage Yield effective as of 09/18/2026. Fees or withdrawals could reduce the earnings on the account. Penalty may be imposed for early withdrawal. For CDs of $500,000 and over.

Balance: Less than $50,000

$95,000

Certificate Rates ($1,000 minimum balance)

Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater

To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.

Balance: $100,001 - $250,000.99

Compounded: ; Credited: At Maturity

Compounded: ; Credited: At Maturity

UP to $99,999.99

Balance: $50,001 - $100,000.99

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

$50,000 & up; Dividends Paid Monthly

Qualifications Required: High-Yield Rewards Checking Account required; High-Yield Rewards Checking Account required

Effective: 2/26/26

Balance: $50,000.00- $98,999.99; Balance: $50,000.00- $98,999.99

Balance: $1,000 - $50,000.99

Great for mid-term goals. Secure growth with minimal commitment.

Interest Compounding: Monthly; Interest Credited: Monthly

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal.

Competitive Rate

CD Rate Special!

Balances greater than $9,999.99

Requires a $10,000 minimum total deposit relationship to open and maintain; if the balance falls below $10,000, the promotional rate no longer applies. Offer valid on new Flex Share Certificate accounts only. The 4.00% APY applies only to the amount deposited at account opening; additional deposits are not permitted. Promotional rate available for certificates opened January 28-July 31 2026; early withdrawal penalties may apply.

Balance: $100,000 +

$95,000

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal.

Dividend Pay & Compound: Quarterly

Dividend Pay & Compound: Quarterly

Compounded: Quarterly; Credited: Quarterly

$1,000 - $49,999

Interest Frequency: Monthly