Texas CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 Texas CD rates include Gulf Capital BankGulf Capital Bank1 Riverway, Houston, TX 77056A5.0 ★Texas Ratio: 8.95%Real return: +1.59%APY minus CPI (February 2026) offering 36 Months at 4.39% APY, 5Point Credit Union5Point Credit Union3700 Skyline Dr, Nederland, TX 77627 8303A5.0 ★Texas Ratio: 5.94%Real return: +1.54%APY minus CPI (February 2026) offering 12-Month (Tier 3) at 4.34% APY, ADVANCIALADVANCIAL10000 N Central Expy Ste 1400, Dallas, TX 75231 2319A+5.0 ★Texas Ratio: 9.94%Real return: +1.54%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates 5 years at 4.34% APY, Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX 77034A5.0 ★Texas Ratio: 7.72%Real return: +1.53%APY minus CPI (February 2026) offering Callable CD 24 Months at 4.33% APY, and Neches Federal Credit UnionNeches Federal Credit Union676 Magnolia Ave, Port Neches, TX 77651A+5.0 ★Texas Ratio: 1.42%Real return: +1.45%APY minus CPI (February 2026) offering IRA Shares Certificate 12 months at 4.25% APY. CD rates as of July 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Texas side-by-side. Texas CD rates currently reach as high as 4.39% APY from Gulf Capital Bank at 1 Riverway, Houston, TX 77056. Rates are continually updated — 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: July 13, 2026
Compare Best CD Rates in Texas
Texas 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
90 Days
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate 3 Month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
3 Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 months)
$100,001
4.02%
▼
Rate3.95%
Min Deposit$100,001
Min Balance—
UpdatedJun 26, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 months)
$50,001
3.97%
▼
Rate3.90%
Min Deposit$50,001
Min Balance—
UpdatedJun 26, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 months)
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
90 Day
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
3-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedJul 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$500,000+ balance tier
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
90 Day
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
90 Day Jumbo
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
8384 N Belt Line Rd, Irving, TX 75063 6006
3-Month Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates - 3 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX 76903 7240
3 Month Certificate
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
3 Month
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
3-month Term
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
3 Months CD
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
IRA Certificate 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
IRA Certificates 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
Share Certificate 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Regular
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
3 Months IRA
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
90 Day CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
90 Day CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
3 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 3 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
3 Month Traditional/Roth IRA
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
3 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
3 Month IRA Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares Certificate 3 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 3 Months
$0
2.82%
▼
Rate2.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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. Interest is compounded monthly and credited monthly.
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
90 Day CD
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8840 Gazelle Dr, El Paso, TX 79925
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Karnes County National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
311 E Calvert Ave, Karnes City, TX 78118
Regular CD 3-Month
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1301 Oak Street, Jourdanton, TX 78026
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX 75050
90 Days
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
3-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
3-Month Business Certificate Account
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
3 month
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
3 Months
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
3 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Texas 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
9993 Kenworthy St, El Paso, TX 79924
Special 6-Month Share Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Take advantage of this limited-time savings opportunity and move your financial goals forward.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
6 Months
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
6 Month
$1,000
4.16%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Digital Online: 4.16% APY with $25,000 Minimum Deposit
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
6-Month (Tier 2)
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares Certificate 6 months
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
533 N Alamo Rd, Alamo, TX 78516
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
6 Month CAMPUS
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
6 Month Members Advantage
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
180 Day
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Minor Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
8384 N Belt Line Rd, Irving, TX 75063 6006
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
5507 W Wadley Ave, Midland, TX 79707
Term Share Accounts (CDs) 6 Months
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
6-Month (Tier 1)
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
6 Month
$500
3.98%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$100,001
3.97%
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
UpdatedJun 26, 2026
Details
Colonial Savings, F.A.
Institution Rating:
B+4.7 ★Texas Ratio: 19.01%
2626d West Freeway, Fort Worth, TX 76102
6-Month CD
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Special 3.94% APY 6-Month CD! Earn more, faster with our 6-month CD at an impressive 3.94% APY. It's a smart, short-term way to grow your savings with confidence.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$50,001
3.92%
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
UpdatedJun 26, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
2301 RICHMOND RD, TEXARKANA, TX 75503
6 months Share Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
*APY = Annual Percentage Yield
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
6 Month Traditional/Roth IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
6 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
6 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 6 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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. Interest is compounded monthly and credited monthly.
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1408 W Pioneer Dr, Irving, TX 75061
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
6 Month IRA Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
6 month term
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Interest paid monthly
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
6 Months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8840 Gazelle Dr, El Paso, TX 79925
6 Month Boost Term Share
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
111 E Travis St, La Grange, TX 78945
6 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
6 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
6 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Certificate 6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
Youth Certificate 6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
6 Month CD/Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
CD/Share Certificates 6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
6-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX 76903 7240
6 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Texas 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares Certificate 12 months
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
12-Month (Tier 2)
$0
4.24%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
12 Months
$0
4.23%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
1 Year
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
IRA / 12 Month Certificate
$2,000
4.18%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
12 Months
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month
$1,000
4.16%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Digital Online: 4.16% APY with $25,000 Minimum Deposit
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
12-month CD
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Special rate for a limited time.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
12-Month Term Share Certificate
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2431 E 61st St, Tulsa, OK 74136
12 Month CD
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
12-Month (Tier 1)
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
12 Month Members Advantage
$500
4.13%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
12 Months
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
12 Month
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
1 Year
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
12 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2601 Network Blvd, Frisco, TX 75034
12 Month Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
517 W I 30, Garland, TX 75043
High-Rate Jumbo 12-Month CD
$100,000
4.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only. Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
IRA Certificates 1 Year
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
9993 Kenworthy St, El Paso, TX 79924
1 Year Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$25,000- $99,999
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates - 12 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
613 Main St, Teague, TX 75860 1627
12 mos. Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
1 Year IRA Certificate
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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. Interest is compounded monthly and credited monthly.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
12 mos. Roth IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
12 mos. IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
12 mos. Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX 76389
1 Year Super
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Dividend Paid Monthly on Last Day of Month
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX 76389
1 Year Super Jumbo
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Savings; Roll Back to Certificate
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
12 month Promotional Online CD
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Online CD
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
12 Month Traditional/Roth IRA
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
12 month
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
12 Month CD
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 1 Year
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3100 Sunburst Dr, Midland, TX 79707
12 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CDs 12 Months
$5,000
3.90%
▼
Rate3.83%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
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. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
365 Day (1 Year)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
2301 RICHMOND RD, TEXARKANA, TX 75503
12 months Share Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
*APY = Annual Percentage Yield
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
12 Month Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
12 Month IRA Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Texas 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX 77375 3295
NEW MONEY Certificate of Deposit Special! 18 Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
18-Month Term Share Certificate
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
18-Month Variable IRA Certificate
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3100 Sunburst Dr, Midland, TX 79707
18 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 - 18 Months Flex Share Certificate Special
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month Traditional/Roth IRA
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
18 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 18 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
IRA Certificate 18 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
18 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 18 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 18 Months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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. Interest is compounded monthly and credited monthly.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416
SuperSaver Certificate 18 Months
$75,000
3.80%
▼
Rate3.74%
Min Deposit$75,000
Min Balance—
UpdatedJul 8, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416
SuperSaver Certificate 18 Months
$20,000
3.75%
▼
Rate3.69%
Min Deposit$20,000
Min Balance—
UpdatedJul 8, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 18 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
18 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5910 N MacArthur Blvd Ste 140, Irving, TX 75039 6108
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
18 Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
18 mos. Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
18 months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
18 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
18 mos. Roth IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CDs 18 Months
$5,000
3.70%
▼
Rate3.64%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
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. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
18 Month IRA Certificate
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416
SuperSaver Certificate 18 Months
$5,000
3.69%
▼
Rate3.63%
Min Deposit$5,000
Min Balance—
UpdatedJul 8, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
8384 N Belt Line Rd, Irving, TX 75063 6006
18-Month Rate Climber Certificate
$5,000
3.66%
▼
Rate3.60%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
18 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
18-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
18 Month Certificate
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares Certificate 18 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416
SuperSaver Certificate 18 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
8384 N Belt Line Rd, Irving, TX 75063 6006
18-Month Certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
18 Months
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 18 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
18 month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
18 Month IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 18-month Jumbo
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
18 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
18 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
18 Month Certificate (IRA) and over
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJul 12, 2026
Details
$100,000
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3923 5th St, Brookshire, TX 77423
18 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Texas 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
24 Months
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
Callable CD 24 Months
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
2 Years
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
2 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 2 Year
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
2 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
IRA / 24 Month Certificate
$2,000
3.97%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
731 N Valley Mills Dr, Waco, TX 76710 4848
24 Month IRA Certificate
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 24 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
731 N Valley Mills Dr, Waco, TX 76710 4848
24 Month IRA Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
24 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
24 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Compounded & Credited Quarterly
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
24 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
731 N Valley Mills Dr, Waco, TX 76710 4848
24 Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 24 Months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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. Interest is compounded monthly and credited monthly.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
24 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 24 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 24 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
24 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
2 Year
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates - 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
1 to 2 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
731 N Valley Mills Dr, Waco, TX 76710 4848
24 Month IRA Certificate
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX 77619
24 Month Certificate
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedJul 8, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
731 N Valley Mills Dr, Waco, TX 76710 4848
24 Month Term Share Certificate
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
24 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
24 Month IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month Tier Jumbo
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CDs 24 Months
$5,000
3.70%
▼
Rate3.64%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
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. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
2 Year IRA Certificate
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1408 W Pioneer Dr, Irving, TX 75061
24 Month Term Share Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month Traditional/Roth IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1408 W Pioneer Dr, Irving, TX 75061
24 Month IRA Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
2 Year Certificate
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month Tier Mini Jumbo
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX 77619
24 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
CD 24 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
8384 N Belt Line Rd, Irving, TX 75063 6006
24-Month Rate Climber Certificate
$5,000
3.61%
▼
Rate3.55%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
24 Month Members Advantage
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
CD/Share Certificates 24 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Texas 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
36 Months
$0
4.39%
▼
Rate4.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Year CD
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 13, 2026
Details
EXISTING MEMBER NEW MEMBER
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
36-Month Variable IRA Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
3 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
3 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 3 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
3 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month Tier Mini Jumbo
$0
3.85%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Compounded & Credited Quarterly
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
36 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
36 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 36 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Step Up Certificates 3 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates - 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 36 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
36 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
3 Year
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
2 to 3 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 36 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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. Interest is compounded monthly and credited monthly.
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month Tier Jumbo
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
36 Months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
36 Month CD
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
36 Month Traditional/Roth IRA
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates 3 years
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Mini-Jumbo Share Certificate/IRA 3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month Tier
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
36-Month (Tier 2)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX 77590
36 Months / 3 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
CD 36 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
36 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
36 Month IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Certificate 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates 3 years
$0
3.58%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
3 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
36 month term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Interest paid monthly
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX 77701
Share Certificate 3 Year
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Texas 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
4 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
4 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 4 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates 4 years
$0
3.93%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$250,001
3.87%
▼
Rate3.80%
Min Deposit$250,001
Min Balance—
UpdatedJun 26, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
4 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier Jumbo
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates 4 years
$0
3.83%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$100,001
3.82%
▼
Rate3.75%
Min Deposit$100,001
Min Balance—
UpdatedJun 26, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
48 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 48 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
48 Months
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier Mini Jumbo
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$50,001
3.76%
▼
Rate3.70%
Min Deposit$50,001
Min Balance—
UpdatedJun 26, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Step Up Certificates 4 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates - 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 48 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
3 to 4 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 48 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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. Interest is compounded monthly and credited monthly.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
48 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates 4 years
$0
3.72%
▼
Rate3.66%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$1,000
3.71%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Mini-Jumbo Share Certificate/IRA 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX 77590
48 Months / 4 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares Certificate 48 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
4 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
48 Month IRA Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
CD 48 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
48 month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
731 N Valley Mills Dr, Waco, TX 76710 4848
48 Month IRA Certificate
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
48-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
48 mos. Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
48 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
48 mos. Roth IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
48 Month CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
4 Year IRA Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Term Deposit -4 Years
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
731 N Valley Mills Dr, Waco, TX 76710 4848
48 Month IRA Certificate
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3923 5th St, Brookshire, TX 77423
48 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
4 Year Certificate
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 87 / 48 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Int. Monthly
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8840 Gazelle Dr, El Paso, TX 79925
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Texas 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates 5 years
$0
4.34%
▼
Rate4.26%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates 5 years
$0
4.24%
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates 5 years
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
Callable CD 60 Months
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month IRA Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier Jumbo
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
5 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier Mini Jumbo
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 60 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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. Interest is compounded monthly and credited monthly.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 60 Months
$95,000
4.00%
▼
Rate3.92%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
60 Months
$95,000
4.00%
▼
Rate3.92%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit 60 Months Tier
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
5 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 5 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
60 Months
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Share Certificates 5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
60 Months
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Account/Certificate of Deposit 60 Months
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
5 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
60 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
60-Month (Tier 3)
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Step Up Certificates 5 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
4 to 5 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
5 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates - 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
IRA Certificate 60 Months
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
60 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 60 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX 77590
60 Months / 5 Years
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Mini-Jumbo Share Certificate/IRA 5 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
60-Month (Tier 2)
$0
3.66%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
60 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares Certificate 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
60 Month CD
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
60 Month Traditional/Roth IRA
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX 77701
Share Certificate 5 Year
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
60 month term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Interest paid monthly
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
60 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
5 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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.
Texas CD Rate Trends
Compare local Texas 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 — TX Avg
2.421%
▼ 0.046 vs 7 days ago
Texas 12-month CD rates fell 0.046 points over the past 7 days to 2.421% APY.
6-Month CD — TX Avg
2.072%
▲ 0.001 vs 7 days ago
Texas 6-month CD rates rose 0.001 points over the past 7 days to 2.072% APY.
As of Jul 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.421%
6-Month Forecast
2.421%
Range: 2.22% – 2.57%
12-Month Forecast
2.171%
Range: 1.97% – 2.32%
Powered by
MonitorBankRates
What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.005% | $100.24 | $200.48 | $501.20 | $1,002.40 |
| 6-Month CD | 2.072% | $103.59 | $207.17 | $517.93 | $1,035.85 |
| 12-Month CD | 2.421% | $121.03 | $242.06 | $605.15 | $1,210.30 |
| 18-Month CD | 2.586% | $129.30 | $258.60 | $646.50 | $1,293.00 |
| 24-Month CD | 2.744% | $137.21 | $274.42 | $686.05 | $1,372.10 |
| 36-Month CD | 3.322% | $166.12 | $332.24 | $830.60 | $1,661.20 |
| 48-Month CD | 3.285% | $164.26 | $328.51 | $821.28 | $1,642.55 |
| 60-Month CD | 3.318% | $165.92 | $331.84 | $829.60 | $1,659.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 13, 2026. | |||||
Sample CD Ladder for Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.005% | $100.24 |
| 2 | 6-Month CD | $5,000 | 2.072% | $103.59 |
| 3 | 12-Month CD | $5,000 | 2.421% | $121.03 |
| 4 | 24-Month CD | $5,000 | 2.744% | $137.21 |
| 5 | 36-Month CD | $5,000 | 3.322% | $166.12 |
| Total ($25,000 invested) | $25,000 | 2.513% blended | $628.19/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,275
CD Rates
Tracked in Texas
Tracked in Texas
32 Banks
92 Credit Unions
About Our Texas CD Rate Database
MonitorBankRates tracks 1,275 CD rates from 32 banks and 92 credit unions with locations in Texas, plus national online institutions available to Texas 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: Gulf Capital Bank offers a CD at 4.39% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Texas.
How to Find the Best CD Rates in Texas
What to compare when shopping for a CD in Texas
To find the best APYs in Texas, start with credit unions and online-only banks — Texas has 92 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 Texas
- 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 Texas — 124 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Texas money market rates
Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$44,072
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$107/yr
At TX 12-mo avg 2.421% APY
13.4% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.421%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $107 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 Texas
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 Texas
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 Texas 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 Texas as everywhere in the U.S.
Choosing a CD Term in Texas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Texas savers easier access to their funds. For example, FIRSTLIGHT is offering its Special 6-Month Share Certificate at 4.25% 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 4.34% 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 Texas 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 Texas 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 Texas
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 Texas 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 Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Texas 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 Texas
Are CD rates in Texas FDIC insured?
Yes, most established banks in Texas 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 Texas?
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 Texas.
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 Texas 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 Texas?
Here are recent top rates found for this area:
- Gulf Capital Bank: 4.39% APY (36 Months)
- 5Point Credit Union: 4.34% APY (12-Month (Tier 3))
- ADVANCIAL: 4.34% APY (Regular, IRA & Business Jumbo Certificates 5 years)
- Texas Bay Credit Union: 4.33% APY (Callable CD 24 Months)
- Neches Federal Credit Union: 4.25% APY (IRA Shares Certificate 12 months)
- FIRSTLIGHT: 4.25% APY (Special 6-Month Share Certificate)
- MapleMark Bank: 4.25% APY (24 Month CD)
- US Employees Credit Union: 4.25% APY (NEW MONEY Certificate of Deposit Special! 18 Month CD)
- First Community Credit Union Houston, TX: 4.25% APY (3 Year CD)
- Members Trust of the Southwest Federal Credit Union: 4.18% APY (1 Year)
Rates reflect recent verified offers available in Texas. Last Updated: July 13, 2026
CD Calculators for Texas
Texas CD Calculator
At today’s TX top rate of 4.39% APY, a $10,000 deposit earns $439 in the first year. Enter your amount to see your exact return.
Texas CD LadderTX CD rates currently range from 2.005% (3-month) to 3.322% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Texas CD at 4.39% 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 SavingsTexas’s average 12-month CD is 2.421% 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 Texas 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 Texas 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 Texas. 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 TX.
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: July 13, 2026
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