Texas CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 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 Jumbo, 5 Year Term Certificate at 4.34% APY, 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 12 months at 4.25% APY, US Employees Credit UnionUS Employees Credit Union24909 Kuykendahl Rd, Tomball, TX 77375 3295A+5.0 ★Texas Ratio: 1.38%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month CD at 4.25% APY, Members Trust of the Southwest Federal Credit UnionMembers Trust of the Southwest Federal Credit Union2311 Robert J Glasgow Loop, Stephenville, TX 76401A+5.0 ★Texas Ratio: 2.31%Real return: +1.38%APY minus CPI (February 2026) offering 1 Year at 4.18% APY, and Lifetime Federal Credit UnionLifetime Federal Credit Union1001 E Lookout Dr, Richardson, TX 75082A+5.0 ★Texas Ratio: 3.14%Real return: +1.38%APY minus CPI (February 2026) offering IRA / 12 Month Certificate at 4.18% APY. CD rates as of June 23, 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 4.34% APY from ADVANCIAL at 10000 N Central Expy Ste 1400, Dallas, TX 75231 2319. 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: June 23, 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
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—
UpdatedJun 16, 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—
UpdatedJun 16, 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—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
3-Month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 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—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500,000+
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—
UpdatedJun 23, 2026
Details
Balance: Less than $50,000
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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 23, 2026
Details
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—
UpdatedJun 23, 2026
Details
IRA
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—
UpdatedJun 23, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
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—
UpdatedJun 23, 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—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1717 Main St, Dallas, TX 75201
90-day fixed-rate CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
3 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 23, 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—
UpdatedJun 16, 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
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares 3 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
Jumbo Term Share 90 day
$100,000
2.88%
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 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-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Existing Member New Member
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 3 Months
$1,000
2.84%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
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—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
90 day
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 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—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
STANDARD CDs4 3 month
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
3 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
3 Months*
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 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
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★Texas Ratio: 16.23%
102 W Front, Arp, TX 75750
3 Month CD
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Mini CDs - 3 Month
$50,000
2.47%
▼
Rate2.45%
Min Deposit$50,000
Min Balance—
UpdatedJun 23, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
3 Month
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
90 day
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX 77065
90 Day Jumbo
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer Only
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
3 Mo Certificate
$10,000
2.22%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 11, 2026
Details
3 Mo Certificate - $10k: 172% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 2.22% APY compared to 0.82% APY for the Charlotte Metro market average over the life of a 3 month share certificate at $10,000.
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 E Palestine Ave, Palestine, TX 75801
3 Month
$0
1.84%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
6 Month CD
$1,000
4.16%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
6 Month
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Branch $1,000 Minimum Deposit
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares 6 months
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Jumbo 6-Month Share Certificate
$0
4.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Special promotional rate valid June 8-26.
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
533 N Alamo Rd, Alamo, TX 78516
6-Month IRA CD
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Golden Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
9315 Bellaire Blvd, Houston, TX 77036
180-Day CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Requires a minimum $20,000 deposit of new money. Promotion period: Effective immediately through June 30, 2026.
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 N Elm St, Waxahachie, TX 75165
6 month CD
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal. Member FDIC
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
6 Months*
$0
4.03%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2501 S State Highway 121 Business, Lewisville, TX 75067
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
5507 W Wadley Ave, Midland, TX 79707
6 Months
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
6-Month TEAL Certificate
$250
3.95%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedJun 23, 2026
Details
For kids and Teens (age 0-17). Compounded monthly.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
6 Month TEAL Certificate (Age 0-17)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
6 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 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—
UpdatedJun 16, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
6 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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 16, 2026
Details
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—
UpdatedJun 16, 2026
Details
*APY = Annual Percentage Yield
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—
UpdatedJun 16, 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—
UpdatedJun 16, 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—
UpdatedJun 16, 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—
UpdatedJun 16, 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—
UpdatedJun 23, 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—
UpdatedJun 16, 2026
Details
Interest paid monthly
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
180 Days
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
not available for IRAs
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—
UpdatedJun 16, 2026
Details
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—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
6 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
6-Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% 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
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX 77065
6 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer Only
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
6 Month CD
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Natural Resources Conservation Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
501 W Felix St Bldg 24, Fort Worth, TX 76115 3404
6 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Member/New Money
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
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
6 Month Certificate
$100,000
3.68%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Alcon Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6201 South Fwy, Fort Worth, TX 76134
6 month special
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedJun 16, 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
6 Month IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% 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
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
6 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX 77630 2901
6 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
6 Months*
$95,000
3.61%
▼
Rate3.55%
Min Deposit$95,000
Min Balance—
UpdatedJun 11, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
Term Share Certificates - 6 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Natural Resources Conservation Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
501 W Felix St Bldg 24, Fort Worth, TX 76115 3404
6 Months
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Texas 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares 12 months
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Branch $1,000 Minimum Deposit
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD
$1,000
4.16%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
12 Months*
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 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
4.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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 Certificate 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 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 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
9993 Kenworthy St, El Paso, TX 79924
1 Year Certificate
$25,000
4.00%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 21, 2026
Details
$25,000- $99,999
Texas Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1212 Turtle Creek Blvd, Dallas, TX 75207
12 Months CD
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Earn 4.00% APY when you open a new CD with $10,000 or more in new money. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
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—
UpdatedJun 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—
UpdatedJun 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—
UpdatedJun 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 Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 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
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 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—
UpdatedJun 16, 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
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Savings; Roll Back to 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—
UpdatedJun 23, 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 1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 16, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
STANDARD CDs4 12 month
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
3.95%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. Call for rates and APY on additional minimum balances.
Community Bank & Trust, Waco, Texas
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
1800 Washington Ave, Waco, TX 76701
12 Months CD
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Limited time CD yield.
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—
UpdatedJun 16, 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
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.84%, Annual Percentage Yield $10,000 - $49,999.99: 3.91%, Dividend Rate $50,000 - $99,999.99: 3.84%, Annual Percentage Yield $50,000 - $99,999.99: 3.91%, Dividend Rate $100,000 and over: 3.84%, Annual Percentage Yield $100,000 and over: 3.91%
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
12 month
$100
3.91%
▼
Rate3.85%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
12 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
also IRA
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
12 Month CD (also IRA)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
*APY = Annual Percentage Yield
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—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
12 Months
$0
3.88%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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 Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Member Preferred Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
340 S Blue Mound Rd Ste 342, Fort Worth, TX 76131 1051
12 MONTHS
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 12 MONTHS
$95,000
3.87%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
1 Year Teen
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
1 Year Puppy Pak
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
1 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Cal-Com Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1401 N Virginia ST, Port Lavaca, TX 77979
12 Month
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cal-Com Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1401 N Virginia ST, Port Lavaca, TX 77979
IRA - 1 Year
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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 - 12 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1408 W Pioneer Dr, Irving, TX 75061
12 Month Term Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX 76092 8024
12-month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Grow your savings faster.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX 76092 8024
IRA CD 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
12 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Cowboy Country Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 19.16%
501 SOUTH BROADWAY, PREMONT, TX 78375
CD'S (New) 12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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
18 Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate of Deposit Special!
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 E Crosby Rd, Carrollton, TX 75006 7260
18 Month
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividends Compounded: Monthly; Dividends Credited: Monthly; Renewal: Automatic with 10-day grace period
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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances greater than $9,999.99
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
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% 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
18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
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
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
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—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
18 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
18 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 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
$75,000
3.80%
▼
Rate3.74%
Min Deposit$75,000
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
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—
UpdatedJun 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
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—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
920 1st St, La Marque, TX 77568
18 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
18 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 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
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
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—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
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—
UpdatedJun 11, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
18 Month CD
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 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 - 18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
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—
UpdatedJun 23, 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—
UpdatedJun 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—
UpdatedJun 11, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX 78521
Educational IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX 78521
IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX 78521
Roth IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares 18 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
STANDARD CDs4 18 month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 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—
UpdatedJun 16, 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 Certificate 18-month Jumbo
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 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—
UpdatedJun 16, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
18 Month Certificate (IRA)
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
IRA Term Share Certificates - 18 Months Add-On IRA
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
IRA Term Share Certificates 18 Months Add-On IRA*
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Minimum Deposit to Open is $1,000; Except 18 Month Term is $500*
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX 77630 2901
18 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3100 Sunburst Dr, Midland, TX 79707
18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificates 18 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account.
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
18 Mos. CD (includes IRA)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
18 months (1.5 Years)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas 24 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
2 Years
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
2 Year
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 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—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
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
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 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—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$95,000
3.97%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 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
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
2 Year
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
24 mo.
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$500
3.87%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
24 Months*
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$95,000
3.82%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
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—
UpdatedJun 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—
UpdatedJun 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 - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
920 1st St, La Marque, TX 77568
24 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 23, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX 77619
Regular & IRA Certificates 24 Month
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$500
3.71%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 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
$95,000
3.70%
▼
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
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—
UpdatedJun 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
24 Months
$95,000
3.70%
▼
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
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—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
24 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 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 - 24 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
Jumbo Term Share 2 year
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX 77619
Regular & IRA Certificates 24 Month
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 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
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 11, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
24 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 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
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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 2 Year
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
24 months
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
24 Months
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
24 month term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly
Member Preferred Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
340 S Blue Mound Rd Ste 342, Fort Worth, TX 76131 1051
24 MONTHS
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8840 Gazelle Dr, El Paso, TX 79925
2 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8840 Gazelle Dr, El Paso, TX 79925
24 Month Boost Term Share
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX 76389
2 Year
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Shares; Roll Back to Certificate
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
24 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
2 year
$100
3.55%
▼
Rate3.50%
Min Deposit$100
Min Balance—
UpdatedJun 23, 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
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Texas 36 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
3 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$95,000
4.07%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 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
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% 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
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
36 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
One great rate.
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
3 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 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
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$500
3.97%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36 mo.
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% 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
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$95,000
3.92%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 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 Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
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
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 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—
UpdatedJun 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—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 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 3 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 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
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
EXISTING MEMBER NEW MEMBER
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—
UpdatedJun 11, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
36 Months*
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 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—
UpdatedJun 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—
UpdatedJun 23, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
36 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 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
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
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—
UpdatedJun 16, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
36 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
36 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 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 - 36 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
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—
UpdatedJun 23, 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—
UpdatedJun 16, 2026
Details
Interest paid monthly
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX 76389
3 Year
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Shares; Roll Back to Certificate
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
36 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
36 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded Credited: Monthly
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 Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
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 Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1408 W Pioneer Dr, Irving, TX 75061
36 Month IRA Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1408 W Pioneer Dr, Irving, TX 75061
36 Month Term Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares 36 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
3 Year IRA Certificate
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 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
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
731 N Valley Mills Dr, Waco, TX 76710 4848
36 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo.
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
4 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 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
4 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 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—
UpdatedJun 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
4 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 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—
UpdatedJun 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—
UpdatedJun 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—
UpdatedJun 11, 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—
UpdatedJun 16, 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 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
48 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 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
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
48 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 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 - 48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
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—
UpdatedJun 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares 48 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX 78501
48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 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
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
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—
UpdatedJun 16, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8840 Gazelle Dr, El Paso, TX 79925
48 Month Boost Term Share
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 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
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 11, 2026
Details
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—
UpdatedJun 23, 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—
UpdatedJun 16, 2026
Details
Int. Monthly
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 67 / 48 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
48 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 4 Years
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 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
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
IRA Certificate 48-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
IRA
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
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
114 W Wellington St, Carthage, TX 75633
4 Year IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 23, 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
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
114 W Wellington St, Carthage, TX 75633
4 Year CD
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
Regular Certificate 48 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates 4 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX 77488
IRA Share Certificate 48 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX 77488
IRA Share Certificates 48 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 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 Term Share Certificate
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
48 Months
$1,000
3.20%
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
48-Month
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
48 Month
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Branch $1,000 Minimum Deposit
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
48 Month CD
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 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
Jumbo, 5 Year Term Certificate
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 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—
UpdatedJun 23, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60 mo.
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% 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
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
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
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
5 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 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
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 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
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% 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
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 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
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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 Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 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 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 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—
UpdatedJun 23, 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—
UpdatedJun 23, 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—
UpdatedJun 11, 2026
Details
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—
UpdatedJun 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—
UpdatedJun 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
60 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 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 - 60 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
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—
UpdatedJun 23, 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—
UpdatedJun 16, 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 - 60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
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—
UpdatedJun 23, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX 78501
60 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
60 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX 77651
IRA Shares 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 5 Years
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Interest paid monthly
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8840 Gazelle Dr, El Paso, TX 79925
5 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8840 Gazelle Dr, El Paso, TX 79925
60 Month Boost Term Share
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 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
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
60 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
60 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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 88 / 60 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Int. Monthly
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 68 / 60 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
60 Month Share Certificate
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Annual Percentage Yield (APY)
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
60 Months*
$95,000
3.41%
▼
Rate3.35%
Min Deposit$95,000
Min Balance—
UpdatedJun 11, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
IRA Term Share Certificates - 60 Months
$1,000
3.41%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
IRA Term Share Certificates 60 Months*
$1,000
3.41%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Minimum Deposit to Open is $1,000; Except 18 Month Term is $500*
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
Term Share Certificates - 60 Months
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 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
60 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
IRA Certificate 60-Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
IRA
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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.
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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
2.438%
▼ 0.014 vs 7 days ago
Texas 12-month CD rates fell 0.014 points over the past 7 days to 2.438% APY.
6-Month CD — TX Avg
1.987%
▼ 0.016 vs 7 days ago
Texas 6-month CD rates fell 0.016 points over the past 7 days to 1.987% APY.
As of Jun 23, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.438%
6-Month Forecast
2.438%
Range: 2.24% – 2.59%
12-Month Forecast
2.188%
Range: 1.99% – 2.34%
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 | 2.080% | $103.98 | $207.95 | $519.88 | $1,039.75 |
| 6-Month CD | 1.987% | $99.37 | $198.74 | $496.85 | $993.70 |
| 12-Month CD | 2.438% | $121.90 | $243.80 | $609.50 | $1,219.00 |
| 18-Month CD | 2.608% | $130.39 | $260.78 | $651.95 | $1,303.90 |
| 24-Month CD | 2.631% | $131.54 | $263.08 | $657.70 | $1,315.40 |
| 36-Month CD | 3.030% | $151.52 | $303.04 | $757.60 | $1,515.20 |
| 48-Month CD | 2.962% | $148.08 | $296.16 | $740.40 | $1,480.80 |
| 60-Month CD | 3.012% | $150.62 | $301.24 | $753.10 | $1,506.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 23, 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 | 2.080% | $103.98 |
| 2 | 6-Month CD | $5,000 | 1.987% | $99.37 |
| 3 | 12-Month CD | $5,000 | 2.438% | $121.90 |
| 4 | 24-Month CD | $5,000 | 2.631% | $131.54 |
| 5 | 36-Month CD | $5,000 | 3.030% | $151.52 |
| Total ($25,000 invested) | $25,000 | 2.433% blended | $608.31/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.
1,185
CD Rates
Tracked in Texas
Tracked in Texas
43 Banks
86 Credit Unions
About Our Texas CD Rate Database
MonitorBankRates tracks 1,185 CD rates from 43 banks and 86 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: ADVANCIAL offers a CD at 4.34% 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 86 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 — 129 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 2.438% 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 2.438%, 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, T Bank is offering its 6 Month CD at 4.16% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Jumbo, 5 Year Term Certificate 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:
- ADVANCIAL: 4.34% APY (Jumbo, 5 Year Term Certificate)
- US Employees Credit Union: 4.25% APY (18 Month CD)
- Neches Federal Credit Union: 4.25% APY (IRA Shares 12 months)
- Members Trust of the Southwest Federal Credit Union: 4.18% APY (1 Year)
- Lifetime Federal Credit Union: 4.18% APY (IRA / 12 Month Certificate)
- T Bank: 4.16% APY (12 Month CD)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
- Nizari Progressive Federal Credit Union: 4.07% APY (Momentum Share Certificate 3 Month)
- Valwood Park Federal Credit Union: 4.07% APY (18 Month)
- Freedom Bank Alamo, TX: 4.07% APY (6-Month IRA CD)
Rates reflect recent verified offers available in Texas. Last Updated: June 23, 2026
CD Calculators for Texas
Texas CD Calculator
At today’s TX top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Texas CD LadderTX CD rates currently range from 2.080% (3-month) to 3.030% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Texas CD at 4.34% 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 2.438% 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: June 23, 2026
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