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Austin, Texas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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 Austin, Texas CD rates include A+ Federal Credit UnionA+ Federal Credit Union1402 W Stassney LN, Austin, TX 78745 2948A5.0 ★Texas Ratio: 10.95%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month StartUP Share Certificate at 5.00% APY, Austin Capital BankAustin Capital Bank3305 Steck Ave Ste 275, Austin, TX 78757A+5.0 ★Texas Ratio: 2.96%Real return: +1.52%APY minus CPI (February 2026) offering 3 Month CD at 4.32% APY, Capital One BankCapital One Bank2301 E Riverside Dr, Austin, TX 78741A5.0 ★Texas Ratio: 7.01%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month 360 CDs at 4.30% APY, Texas Capital BankTexas Capital Bank98 San Jacinto Blvd, Austin, TX 78701A+5.0 ★Texas Ratio: 3.65%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Certificate at 4.25% APY, and Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX 78759A+5.0 ★Texas Ratio: 1.88%Real return: +1.33%APY minus CPI (February 2026) offering Momentum Share Certificate Rate - 3 Month Special at 4.13% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Austin has 402 local institutions in our database, with CD rates as high as 5.00% APY from A+ Federal Credit Union at 1402 W Stassney LN, Austin, TX 78745 2948. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Austin, Texas & the Surrounding Area
Austin 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month CD
$1,000
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details
UP to $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
Momentum Share Certificate Rate - 3 Month Special
$0
4.13%
▲ 2.07% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details
Balance: $1000.00 - $49,999.99
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
90 Day Certificate
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
90 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.74% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
3 Month Certificates of Deposit (CD)
$0
3.75%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
14028 N Highway 183, Austin, TX 78717
3-Months CD
$1,000
3.70%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details
Interest is not compounded. Interest will be credited to your account at maturity.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Business Liquid Certificate
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.59% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Liquid Certificate
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.59% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 E Anderson Ln, Austin, TX 78752
90 Day Certificate of Deposit
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Balance: $500,000+; $500,000+ minimum balance
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 E Anderson Ln, Austin, TX 78752
90 Day Jumbo CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Annual Percentage Yield effective as of 09/18/2026. Fees or withdrawals could reduce the earnings on the account. Penalty may be imposed for early withdrawal. For CDs of $500,000 and over.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Business Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Consumer Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Jumbo Certificates or more)
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 E Anderson Ln, Austin, TX 78752
90 Day Certificate of Deposit
$0
3.35%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.29% above avg
Details
Balance: $100,000 and over
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
3 Month Fixed-Rate Certificate
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
319 W Slaughter Ln, Austin, TX 78748
90 Day Certificate of Deposit
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.19% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
3 Month Certificate
$0
3.25%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details
APY**: Amounts of $100,000 +
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 E Anderson Ln, Austin, TX 78752
90 Day Certificate of Deposit
$0
3.05%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Balance: $1,000 to $99,999.99
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
3 Month Jumbo CD
$90,000
3.05%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
Jumbo Certificates of Deposit - 3 Months
$90,000
3.05%
▲ 0.99% above national avg
▼
Rate3.02%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
3 Month CD
$100,000
3.03%
▲ 0.97% above national avg
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.97% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
3 Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
APY**: Amounts of $1,000 - $49,999.99
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
3 Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
3 Month IRA Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
IRA Share Certificates: or Greater - 3 Month IRA Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
$1,000.00
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
3 Month Certificate of Deposit
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
3 Month Standard CD
$1,000
2.85%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
APY*
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
3 Months Certificate of Deposit
$1,000
2.85%
▲ 0.79% above national avg
▼
Rate2.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
3-Month Certificate
$0
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.21% above avg
Details
Balance: $50,000+; Dividends: Quarterly
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
3-Month Certificate
$0
1.76%
▼ 0.30% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.30% below avg
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
3 Month Short Term Certificate
$1,000
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.06% below avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
3 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.31% below avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
3 Month Term Share Certificate/Certificate of Deposit
$1,000
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.31% below avg
Details
JUMBO $95,000+
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
$90,000 +
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Balance: $90,000 +
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
605 W 15th St, Austin, TX 78701
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
605 W 15th St, Austin, TX 78701
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
$1,000 +
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
5.10%
▲ 3.04% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 3.04% above avg
Details
$50,000+
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
4.84%
▲ 2.78% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.78% above avg
Details
$1,000 - $49,999
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.30%
▲ 2.24% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.24% above avg
Details
$1,000,000.00+
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$250,001
4.23%
▲ 2.17% above national avg
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.17% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.20%
▲ 2.14% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.14% above avg
Details
$250,000.00 - $999,999.99
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$100,001
4.18%
▲ 2.12% above national avg
▼
Rate4.10%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.12% above avg
Details
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificates of Deposit
$0
4.18%
▲ 2.12% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 2.12% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$50,001
4.13%
▲ 2.07% above national avg
▼
Rate4.05%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$250,001
4.13%
▲ 2.07% above national avg
▼
Rate4.05%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details
Austin 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
6 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
6 Month CD
$1,000
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
UP to $99,999.99
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3505 Montopolis Dr Bldg A, Austin, TX 78744
6 Month Regular/ IRA
$500
3.95%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details
Interest Compounding: Monthly; Interest Credited: Monthly
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
6 Month IRA Share Certificate
$0
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
Balance: $100,000 & Over
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
6 Month Certificates of Deposit (CD)
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
6 Month IRA Share Certificate
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.10% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
6 Month IRA Share Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Balance: $1000 - $49,999.99
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
180 Day Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
180 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
6 Month Certificate of Deposit
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
14028 N Highway 183, Austin, TX 78717
6-Months CD
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Interest is not compounded. Interest will be credited to your account at maturity.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
6 Month Fixed-Rate Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
3001 Palm Way, Austin, TX 78758
6-month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
New Money; Open now; Open in branch
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
6 Month CD
$100,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
319 W Slaughter Ln, Austin, TX 78748
180 Day Certificate of Deposit
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
6 Month Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
6 Month IRA Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
IRA Share Certificates: or Greater - 6 Month IRA Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
$1,000.00
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
6 Month Share Certificate
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.84% above avg
Details
Balance: $1000 - $49,999.99
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
6 Month Certificate of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
6 Month Share Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
306 E 10th St, Austin, TX 78701
6 Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
3001 Palm Way, Austin, TX 78758
6-month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
New Money; Open now; Open in branch
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
6 Month Short Term Certificate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Business Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Consumer Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Jumbo Certificates or more)
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
6 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
6 Month Term Share Certificate/Certificate of Deposit
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
JUMBO $95,000+
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
621 W Saint Johns Ave, Austin, TX 78752 2315
6 Month Share Certificates
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.68% above avg
Details
Compounded Monthly
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
6 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.68% above avg
Details
APY**: Amounts of $1,000 - $49,999.99
Sunflower Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
623 W 38th St, Austin, TX 78705
6-Month CD Special
$0
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Limited Time CD Special
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
6 Month CD
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
6-Month Certificate
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.52% above avg
Details
Balance: $50,000+; Dividends: Quarterly
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 E Anderson Ln, Austin, TX 78752
180 Day Certificate of Deposit
$0
3.10%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.33% above avg
Details
Balance: $100,000 and over
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month CD
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.13% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month Jumbo CD
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.13% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month Standard IRA CD
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.13% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 6 Month CD
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.13% above avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
6-Month Certificate
$0
2.78%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.01% above avg
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 E Anderson Ln, Austin, TX 78752
180 Day Certificate of Deposit
$0
2.70%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
Balance: $1,000 to $99,999.99
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
6 Month CD
$1,000
2.52%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.25% below avg
Details
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
6 Month Certificate
$1,000
2.47%
▼ 0.30% below national avg
▼
Rate2.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.30% below avg
Details
Balance: $250,000 & Up
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
6 Month CD
$500
2.25%
▼ 0.52% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.52% below avg
Details
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
6 Month Certificate
$1,000
2.21%
▼ 0.56% below national avg
▼
Rate2.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.56% below avg
Details
Balance: $10,000 to $249,999.99
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
6 Month Certificate
$1,000
1.96%
▼ 0.81% below national avg
▼
Rate1.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.81% below avg
Details
Balance: $1,000 to $9,999.99
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
6 Month Jumbo CD
$90,000
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
6 Month Standard CD
$1,000
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
APY*
Austin 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month StartUP Share Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 2.05% above avg
Details
Maximum Balance: $1,000
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
12 Month 360 CDs
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.35% above avg
Details
Fixed APY | No minimum balance
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
12 Month Certificate
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
12 Month Star Certificate of Deposit
$1,000
4.20%
▲ 1.25% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
12 Month IRA Share Certificate
$0
4.02%
▲ 1.07% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.07% above avg
Details
Balance: $100,000 & Over
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
1-year online CDs
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
12 Month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
1 Year IRA Certificate
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Business Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Consumer Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Jumbo Certificates or more)
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
12 Month IRA Share Certificate
$0
3.97%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.02% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
12 Month IRA Share Certificate
$0
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.97% above avg
Details
Balance: $1000 - $49,999.99
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
12208 N Mopac Expy, Austin, TX 78758
12 month CD
$1,000
3.91%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.96% above avg
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
1 Year IRA
$1,000
3.86%
▲ 0.91% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.91% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
12 Month Certificates of Deposit (CD)
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
1 Year CD
$100,000
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
12 Month Certificate of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
12 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
12 Month Term Share Certificate/Certificate of Deposit
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
JUMBO $95,000+
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
12 Month Certificate of Deposit
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
12 Month Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
APY**: Amounts of $100,000 +
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3505 Montopolis Dr Bldg A, Austin, TX 78744
12 Month Regular/ IRA
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Interest Compounding: Quarterly; Interest Credited: Quarterly
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
12 Month Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
12 Month IRA Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
IRA Share Certificates: or Greater - 12 Month IRA Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
$1,000.00
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
12 Month Certificate
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
12 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
12 Month Term Share Certificate/Certificate of Deposit
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
JUMBO $95,000+
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month IRA Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month Share Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
306 E 10th St, Austin, TX 78701
12 Month CD
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
12 Month Certificate
$0
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.70% above avg
Details
APY**: Amounts of $50,000 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.61%
▲ 0.66% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.66% above avg
Details
Balance: $100,000 & Over
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
621 W Saint Johns Ave, Austin, TX 78752 2315
1 Year Share Certificates
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
Compounded Monthly
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/1 Year Certificate
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
Compounded Monthly
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
12 Month Certificate
$0
3.60%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
APY**: Amounts of $1,000 - $49,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details
Balance: $50,000.00 - $99,999.99
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
14028 N Highway 183, Austin, TX 78717
12-Months CD
$1,000
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.60% above avg
Details
Interest is not compounded. Interest will be credited to your account at maturity.
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
1-Year Certificate
$0
3.54%
▲ 0.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.59% above avg
Details
Balance: $50,000+; Dividends: Quarterly
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.51%
▲ 0.56% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.56% above avg
Details
Balance: $1000 - $49,999.99
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
12 Month Fixed-Rate Certificate
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
12 Month Variable-Rate Early Saver Certificate
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Term: 12 Month-up to $20,000; Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
319 W Slaughter Ln, Austin, TX 78748
1 Year One Year Certificate of Deposit
$0
3.35%
▲ 0.40% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.40% above avg
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
2110 Boca Raton Dr, Austin, TX 78747
12 Month Certificate of Deposit (CDs)
$0
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
Special rate on select new CD accounts.
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
1 Year CD
$1,000
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.08% above avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
1-Year Certificate
$0
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.08% above avg
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 E Anderson Ln, Austin, TX 78752
12 Month Certificate of Deposit
$0
3.00%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.05% above avg
Details
Balance: $100,000 and over
Austin 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
18 Month 360 CDs
$0
4.30%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.48% above avg
Details
Fixed APY | No minimum balance
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
18 Month Certificate
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
18 Month Star Certificate of Deposit
$1,000
4.25%
▲ 1.43% above national avg
▼
Rate4.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
18 Month Certificate of Deposit
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Business Certificates
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Consumer Certificates
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Jumbo Certificates or more)
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
12208 N Mopac Expy, Austin, TX 78758
18 month CD
$1,000
3.91%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.09% above avg
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
18 Month Certificate of Deposit
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.03% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.98% above avg
Details
Balance: $75,000+
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
18 Month IRA Certificate
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.98% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
18 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.98% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
18 Month Term Share Certificate/Certificate of Deposit
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.98% above avg
Details
JUMBO $95,000+
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
18 Month IRA Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
18 Month Share Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details
Balance: $20,000 - $74,999.99
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3505 Montopolis Dr Bldg A, Austin, TX 78744
18 Month Regular/ IRA
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details
Interest Compounding: Quarterly; Interest Credited: Quarterly
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
18 Month IRA Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
IRA Share Certificates: or Greater - 18 Month IRA Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details
$1,000.00
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
18 Month Certificate
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
18 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details
JUMBO $95,000+
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
18 Month Certificates of Deposit (CD)
$0
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.88% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$0
3.69%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.87% above avg
Details
Balance: $5,000 - $19,999.99
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.83% above avg
Details
Balance: $1,000 - $4,999.99
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
205 W Ben White Blvd, Austin, TX 78704 7154
SuperSaver Certificate 18 month
$1,000
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.83% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
18 Month CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
18 Month Certificate
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
APY**: Amounts of $1,000 - $49,999.99
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
18 Month Fixed-Rate Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
18 Month CD
$100,000
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
18 Month CD
$1,000
3.34%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.52% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month CD
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.18% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month Jumbo CD
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.18% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month Standard IRA CD
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.18% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 18 Month CD
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.18% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.96%
▲ 0.14% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.14% above avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.91%
▲ 0.09% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.09% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.86%
▲ 0.04% above national avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.04% above avg
Details
Balance: $1000 - $49,999.99
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
319 W Slaughter Ln, Austin, TX 78748
18 Month Eighteen Month Certificate of Deposit
$0
2.65%
▼ 0.17% below national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.17% below avg
Details
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
18 Month Certificate
$1,000
2.17%
▼ 0.65% below national avg
▼
Rate2.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.65% below avg
Details
Balance: $250,000 & Up
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
18 Month Certificate
$1,000
1.91%
▼ 0.91% below national avg
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.91% below avg
Details
Balance: $10,000 to $249,999.99
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
18 Month Certificate
$1,000
1.66%
▼ 1.16% below national avg
▼
Rate1.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.16% below avg
Details
Balance: $1,000 to $9,999.99
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
18 Month Jumbo CD
$90,000
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
18 Month Standard CD
$1,000
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
APY*
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
18 Months Certificate of Deposit
$1,000
1.50%
▼ 1.32% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
Jumbo Certificates of Deposit - 18 Months
$90,000
1.50%
▼ 1.32% below national avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
Jumbo IRA / SEPP - 18 Months
$90,000
1.50%
▼ 1.32% below national avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
Variable - 18 Months
$100
1.50%
▼ 1.32% below national avg
▼
Rate1.49%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Austin 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
24 Month 360 CDs
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Fixed APY | No minimum balance
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
24 Month Fixed-Rate Certificate
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Business Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Consumer Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Jumbo Certificates or more)
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
24 Month Fixed-Rate Certificate
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
Business 24 Month Step-Up
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
24 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.06% above avg
Details
JUMBO
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
24 Month Certificate of Deposit
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
24 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
24 Month Term Share Certificate/Certificate of Deposit
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details
JUMBO $95,000+
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
2 Year IRA Certificate
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.96% above avg
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
12208 N Mopac Expy, Austin, TX 78758
24 Month Certificate of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Dividend Pay & Compound: Quarterly
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
12208 N Mopac Expy, Austin, TX 78758
24 Month Fixed-Rate Certificate of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Dividend Pay & Compound: Quarterly
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
2 Year Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
24 Month IRA Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
24 Month Share Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
24 Month Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
24 Month IRA Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
IRA Share Certificates: or Greater - 24 Month IRA Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
$1,000.00
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
306 E 10th St, Austin, TX 78701
24 Month CD
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
621 W Saint Johns Ave, Austin, TX 78752 2315
2 Year Share Certificates
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
Compounded Monthly
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/2 Year Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
Compounded Monthly
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
24 Month Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
98 San Jacinto Blvd, Austin, TX 78701
24 Month Star Certificate of Deposit
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
24 Month Certificates of Deposit (CD)
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
24 Month Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
APY**: Amounts of $1,000 - $49,999.99
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
2 Year IRA
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
2-Year Certificate
$0
3.54%
▲ 0.70% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.70% above avg
Details
Balance: $50,000+; Dividends: Quarterly
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
24 Month CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
2 Year CD
$100,000
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.65% above avg
Details
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3505 Montopolis Dr Bldg A, Austin, TX 78744
24 Month Regular/ IRA
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
Interest Compounding: Quarterly; Interest Credited: Quarterly
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
2 Year CD
$1,000
3.03%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.19% above avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
2-Year Certificate
$0
3.03%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.19% above avg
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month CD
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month Jumbo CD
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month Standard IRA CD
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 24 Month CD
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
24 Month IRA Share Certificate
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.15% above avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
24 Month Share Certificate
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.15% above avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
24 Month IRA Share Certificate
$0
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.10% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
24 Month Share Certificate
$0
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.10% above avg
Details
Balance: $50,000.00 - $99,999.99
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 E Anderson Ln, Austin, TX 78752
24 Month Certificate of Deposit
$0
2.90%
▲ 0.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.06% above avg
Details
Balance: $100,000 and over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
24 Month IRA Share Certificate
$0
2.89%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.05% above avg
Details
Balance: $1000 - $49,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
24 Month Share Certificate
$0
2.89%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.05% above avg
Details
Balance: $1000 - $49,999.99
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
24 Month Certificate of Deposit
$0
2.70%
▼ 0.14% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.14% below avg
Details
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
319 W Slaughter Ln, Austin, TX 78748
2 Year Two Year Certificate of Deposit
$0
2.65%
▼ 0.19% below national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.19% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 E Anderson Ln, Austin, TX 78752
24 Month Certificate of Deposit
$0
2.40%
▼ 0.44% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.44% below avg
Details
Balance: $1,000 to $99,999.99
Austin 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
36 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
36 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
36 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
36 Month Term Share Certificate/Certificate of Deposit
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
JUMBO $95,000+
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Business Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Consumer Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Jumbo Certificates or more)
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
36 Month IRA Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
36 Month Share Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
36 Month Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
APY**: Amounts of $1,000 - $49,999.99
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
3 Year IRA Certificate
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
36 Month Certificate of Deposit
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
36 Month Fixed-Rate Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
306 E 10th St, Austin, TX 78701
36 Month CD
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
36 Month Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
36 Month IRA Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
IRA Share Certificates: or Greater - 36 Month IRA Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
$1,000.00
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
3 Year Certificate
$1,000
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
621 W Saint Johns Ave, Austin, TX 78752 2315
3 Year Share Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Compounded Monthly
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/3 Year Certificate
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Compounded Monthly
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
36 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
36 Month Certificates of Deposit (CD)
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
3-Year Certificate
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.53% above avg
Details
Balance: $50,000+; Dividends: Quarterly
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
36 Month IRA Share Certificate
$0
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details
Balance: $100,000 & Over
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month CD
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month Jumbo CD
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month Standard IRA CD
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 36 Month CD
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
36 Month IRA Share Certificate
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.23% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.23% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
36 Month IRA Share Certificate
$0
2.94%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.18% above avg
Details
Balance: $1000 - $49,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
2.94%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.18% above avg
Details
Balance: $1000 - $49,999.99
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4800 GROVER AVE, AUSTIN, TX 78756
3-Year Certificate
$0
2.78%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.02% above avg
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
3 Year Certificate of Deposit
$0
2.70%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.06% below avg
Details
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
319 W Slaughter Ln, Austin, TX 78748
3 Year Three Year Certificate of Deposit
$0
2.65%
▼ 0.11% below national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.11% below avg
Details
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
36 Month Certificate
$1,000
2.07%
▼ 0.69% below national avg
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.69% below avg
Details
Balance: $250,000 & Up
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
36 Month Certificate
$1,000
1.81%
▼ 0.95% below national avg
▼
Rate1.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.95% below avg
Details
Balance: $10,000 to $249,999.99
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
36 Month Certificate
$1,000
1.56%
▼ 1.20% below national avg
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.20% below avg
Details
Balance: $1,000 to $9,999.99
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
36 Month Jumbo CD
$90,000
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
36 Month Standard CD
$1,000
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
APY*
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
3 Year CD
$500
1.40%
▼ 1.36% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.36% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4101 Marathon Blvd, Austin, TX 78756
3 Year Certificate of Deposit
$500
0.05%
▼ 2.71% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Month Jumbo Certificates of Deposit
$0
4.54%
▲ 1.78% above national avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.78% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Year Business CD
$5,000
4.50%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.74% above avg
Details
MIN BALANCE - $99,999.99
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.64% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.59% above national avg
▼
Rate4.27%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.59% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.49% above avg
Details
Austin 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
48 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
48 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
48 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
48 Month Term Share Certificate/Certificate of Deposit
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details
JUMBO $95,000+
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Business Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Consumer Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Jumbo Certificates or more)
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
48 Month Fixed-Rate Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
48 Month IRA Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
48 Month Share Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
48 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
APY**: Amounts of $1,000 - $49,999.99
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
4 Year IRA Certificate
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
4 Year Certificate
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
306 E 10th St, Austin, TX 78701
48 Month CD
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
48 Month Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
48 Month IRA Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
IRA Share Certificates: or Greater - 48 Month IRA Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
$1,000.00
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
48 Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
48 Month Certificates of Deposit (CD)
$0
3.35%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month CD
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.02% below avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month Jumbo CD
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.02% below avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month Standard IRA CD
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.02% below avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 48 Month CD
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.02% below avg
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
4 Year Certificate of Deposit
$0
2.70%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
319 W Slaughter Ln, Austin, TX 78748
4 Year Four Year Certificate of Deposit
$0
2.65%
▼ 0.12% below national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.12% below avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
48 Month IRA Share Certificate
$0
2.43%
▼ 0.34% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.34% below avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.43%
▼ 0.34% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.34% below avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
48 Month IRA Share Certificate
$0
2.38%
▼ 0.39% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.39% below avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.38%
▼ 0.39% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.39% below avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
48 Month IRA Share Certificate
$0
2.32%
▼ 0.45% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.45% below avg
Details
Balance: $1000 - $49,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.32%
▼ 0.45% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.45% below avg
Details
Balance: $1000 - $49,999.99
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
4 Year CD
$500
1.15%
▼ 1.62% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.62% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4101 Marathon Blvd, Austin, TX 78756
4 Year Certificate of Deposit
$500
0.15%
▼ 2.62% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.62% below avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Month Jumbo CD
$50,000
4.35%
▲ 1.58% above national avg
▼
Rate4.27%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.58% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
4 Year Business CD
$5,000
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details
$1,000,000.00+
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Month Standard CDs
$1,000
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest Frequency: Monthly
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
48 Month Certificate
$1,000
4.15%
▲ 1.38% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.38% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details
Interest Frequency: Semi
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
4 Year Business CD
$5,000
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.38% above avg
Details
$250,000.00 - $999,999.99
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12%
▲ 1.35% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.35% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details
Interest Frequency: Semi
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
48 Month IRA Share Certificate
$1,000
4.05%
▲ 1.28% above national avg
▼
Rate3.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.28% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
4 Year Business CD
$5,000
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.28% above avg
Details
$100,000.00 - $249,999.99
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.02%
▲ 1.25% above national avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (4 year)
$250,001
4.02%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.24% above avg
Details
Austin 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
60 Month 360 CDs
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Fixed APY | No minimum balance
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
60 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
60 Month Term Share Certificate/Certificate of Deposit
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
60 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.11% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12319 N Mopac Expy, Austin, TX 78758
60 Month Term Share Certificate/Certificate of Deposit
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.11% above avg
Details
JUMBO $95,000+
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
60 Month IRA Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1402 W Stassney LN, Austin, TX 78745 2948
60 Month Share Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Business Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Consumer Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Jumbo Certificates or more)
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
13860 N Highway 183, Austin, TX 78750
60 Month Fixed-Rate Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
60 Month Certificate of Deposit
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
114 E huntland dr, austin, TX 78752
60 Month Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
APY**: Amounts of $1,000 - $49,999.99
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
5-year online CDs
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2301 E Riverside Dr, Austin, TX 78741
60 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
60 Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
60 Month IRA Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
IRA Share Certificates: or Greater - 60 Month IRA Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
$1,000.00
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
5 Year IRA Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
705 E 12th St, Austin, TX 78701 1909
5 Year Certificate
$1,000
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.61% above avg
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
5 Year IRA
$1,000
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.45% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
60 Month Certificates of Deposit (CD)
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
5 Year CD
$100,000
3.24%
▲ 0.40% above national avg
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.40% above avg
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
5 Year CD
$1,000
3.03%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.19% above avg
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
5 Year Certificate of Deposit
$0
2.70%
▼ 0.14% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.14% below avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month CD
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.34% below avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month Jumbo CD
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.34% below avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month Standard IRA CD
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.34% below avg
Details
Members Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 60 Month CD
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.34% below avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
60 Month IRA Share Certificate
$0
2.48%
▼ 0.36% below national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.36% below avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.48%
▼ 0.36% below national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.36% below avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
60 Month IRA Share Certificate
$0
2.43%
▼ 0.41% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.41% below avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.43%
▼ 0.41% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.41% below avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
60 Month IRA Share Certificate
$0
2.38%
▼ 0.46% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.46% below avg
Details
Balance: $1000 - $49,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.38%
▼ 0.46% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.46% below avg
Details
Balance: $1000 - $49,999.99
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
60 Month Certificate
$1,000
2.27%
▼ 0.57% below national avg
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.57% below avg
Details
Balance: $250,000 & Up
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
60 Month Certificate
$1,000
2.02%
▼ 0.82% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.82% below avg
Details
Balance: $10,000 to $249,999.99
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
60 Month Certificate
$1,000
1.76%
▼ 1.08% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.08% below avg
Details
Balance: $1,000 to $9,999.99
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
60 Month Jumbo CD
$90,000
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
911 W 38th St, Austin, TX 78705
60 Month Standard CD
$1,000
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
APY*
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
5 Year CD
$500
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.59% below avg
Details
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
60 Month Business Fixed Rate Certificates of Deposit
$0
0.35%
▼ 2.49% below national avg
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.49% below avg
Details
$90,000 +
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
60 Month Fixed Rate Certificates of Deposit
$0
0.35%
▼ 2.49% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.49% below avg
Details
Balance: $90,000 +
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
60 Month Business Fixed Rate Certificates of Deposit
$0
0.30%
▼ 2.54% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.54% below avg
Details
$1,000 +
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Callable CD 60 Months
$0
4.50%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.66% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49%
▲ 1.65% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.65% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
5 Year Business CD
$5,000
4.40%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.56% above avg
Details
$1,000,000.00+
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.39%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.55% above avg
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Austin, TX CD Rate Trends
Compare local Austin, TX 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
2.952%
▲ 0.030 vs 7 days ago
Texas 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD TX Avg
2.767%
▲ 0.021 vs 7 days ago
Texas 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Austin, 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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
2,957
CD Rates
Tracked in Austin, Texas
Tracked in Austin, Texas
46 Banks
66 Credit Unions
About Our Austin, Texas CD Rate Database
MonitorBankRates tracks 2,957 CD rates from 46 banks and 66 credit unions with locations in Austin, 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: A+ Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Austin, Texas.
How to Find the Best CD Rates in Austin, Texas
What to compare when shopping for a CD in Austin, Texas
To find the best APYs in Austin, Texas, start with credit unions and online-only banks: Austin, Texas has 66 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 Austin, 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 Austin, Texas: 112 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Austin, Texas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Austin, Texas money market rates
Austin, Texas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
10.4%
National avg: 17.3%
Median Individual Earnings
$54,283
National avg: $47,340
Poverty Rate
12.0%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$160/yr
At TX 12-mo avg 2.952% APY
10.4% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 2.952%, saving 10% of the local median salary ($5,428/year) and putting it in a CD would earn an additional $160 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 Austin, 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 Austin, 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 Austin, 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 Austin, Texas as everywhere in the U.S.
Choosing a CD Term in Austin, 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 Austin, Texas savers easier access to their funds. For example, Capital One Bank is offering its 6 Month 360 CDs at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Capital One Bank is offering its 60 Month 360 CDs at 4.30% 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 Austin, 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 Austin, 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 Austin, 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 Austin, 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 Austin, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Austin, 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 Austin, Texas
Are CD rates in Austin, Texas FDIC insured?
Yes, most established banks in Austin, 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 Austin, 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 Austin, 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 Austin, 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 Austin, Texas?
Here are recent top rates found for this area:
- A+ Federal Credit Union: 5.00% APY (12 Month StartUP Share Certificate)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- Capital One Bank: 4.30% APY (12 Month 360 CDs)
- Texas Capital Bank: 4.25% APY (18 Month Certificate)
- Nizari Progressive Federal Credit Union: 4.13% APY (Momentum Share Certificate Rate - 3 Month Special)
- University Federal Credit Union: 4.10% APY (24 Month Fixed-Rate Certificate)
- Amarillo National Bank: 4.00% APY (18 Month Certificate of Deposit)
- Velocity Credit Union: 4.00% APY (1 Year IRA Certificate)
- Technology Credit Union: 4.00% APY (12 Month Business Certificates)
- GREATER TEXAS: 4.00% APY (60 Month IRA Term Share Accounts/Certificates of Deposit)
Rates reflect recent verified offers available in Austin, Texas. Last Updated: September 22, 2026
Austin, Texas CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Austin, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
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Ending Balance
$0
Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Austin, Texas
Austin, Texas CD Calculator
At today’s TX top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Austin, Texas CD LadderTX CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Austin, Texas CD at 5.00% 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 2.952% 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 Austin, 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 Austin, 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 Austin, 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: September 22, 2026
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