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CD Rate Trends

Austin, Texas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Austin, Texas CD rates range from 0.01% to 5.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Austin, Texas CD rates include A+ Federal Credit UnionA+ Federal Credit Union1402 W Stassney LN, Austin, TX 78745 2948A5.0 ★Texas Ratio: 11.13%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: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Austin Telco Federal Credit UnionAustin Telco Federal Credit Union8929 Shoal Creek Blvd, Austin, TX 78757A+5.0 ★Texas Ratio: 1.81%Real return: +1.62%APY minus CPI (February 2026) offering 60-Month Super Jumbo Certificate at 4.42% APY, GREATER TEXASGREATER TEXAS12319 N Mopac Expy, Austin, TX 78758A+5.0 ★Texas Ratio: 5.54%Real return: +1.55%APY minus CPI (February 2026) offering 60 Month IRA Term Share Accounts/Certificates of Deposit at 4.35% APY, and Bask BankBask Bank98 San Jacinto Blvd, Austin, TX 78701A+5.0 ★Texas Ratio: 3.64%Real return: +1.55%APY minus CPI (February 2026) offering 12 month CD at 4.35% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Austin has 449 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: October 13, 2026

Compare Best CD Rates in Austin, Texas & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Austin 3 Month CD Rates

Texas 3 Month CD Average2.50% APYNational 2.09%▲ 0.02% from last week
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
4.58% ▲ 2.08% above Texas avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.09%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
3 Month Momentum Share Certificate
$0
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details

Special; Balance: $1000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 13, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
3 Month Certificate
$0
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Certificate of Deposit
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

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

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Jumbo CD
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

Jumbo CDs of $500,000 and over.

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
90 Day Certificate
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details

Open Account

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
90 Day Star Certificates of Deposit (CDs)
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.25% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
14028 N Highway 183, Austin, TX 78717
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Certificate of Deposit
$0
3.65% ▲ 1.15% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.09%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
2.85%3.50%4.15%Sep 18, 2026: 3.35% APYSep 24, 2026: 3.50% APYOct 2, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.65%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Business Liquid Certificate
$0
3.65% ▲ 1.15% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Liquid Certificate
$0
3.65% ▲ 1.15% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Consumer Certificates and IRA Certificates
$0
3.50% ▲ 1.00% above Texas avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.00% above avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50% ▲ 1.00% above Texas avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.00% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more - 3 Month
$0
3.50% ▲ 1.00% above Texas avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.00% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Certificate of Deposit
$0
3.30% ▲ 0.80% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.80% above avgNationally 2.09%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
2.55%3.18%3.80%Sep 18, 2026: 3.05% APYSep 27, 2026: 3.20% APYOct 2, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.30%▲ from 3.20%
  • Sep 27, 20263.20%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
3 Month Business Fixed Rate Certificate
$0
3.25% ▲ 0.75% above Texas avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.75% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
3 Month Fixed-Rate Certificate
$0
3.25% ▲ 0.75% above Texas avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.75% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
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% ▲ 0.75% above Texas avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.75% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
3 Month Certificate
$0
3.25% ▲ 0.75% above Texas avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.75% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYOct 10, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
3 Month Jumbo CD
$90,000
3.05% ▲ 0.55% above Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.55% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
Jumbo Certificate of Deposit - 3 Months
$90,000
3.05% ▲ 0.55% above Texas avg
View
▼
Rate3.02%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.55% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 13, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
3 Month CD
$100,000
3.03% ▲ 0.53% above Texas avg
View
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.53% above avgNationally 2.09%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
3 Month Certificate
$0
3.00% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.50% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
3 Month IRA Certificate
$0
3.00% ▲ 0.50% above Texas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.50% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
3 Month Mini-Jumbo Certificate
$20,000
2.55% ▲ 0.05% above Texas avg
View
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.05% above avgNationally 2.09%
Details

Dividends Pay & Compound: Monthly

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
Jumbo Share Certificate - 3 Month
$90,000
2.55% ▲ 0.05% above Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.05% above avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
3 Month Fixed-Rate Certificate of Deposit
$1,000
2.51% ▲ 0.01% above Texas avg
View
▼
Rate2.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average2.50%▲ 0.01% above avgNationally 2.09%
Details

Dividend Pay & Compound: N/A

Rate History
1 change since Sep 14, 2026 · 0.60% → 2.51% ▲ 1.91 pts · high 2.51% / low 0.60%
0.00%2.21%4.42%Sep 14, 2026: 0.60% APYSep 27, 2026: 2.51% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20262.51%▲ from 0.60%
  • Sep 14, 20260.60%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
3 Month Short Term Certificate
$1,000
2.50% At Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%At the averageNationally 2.09%
Details

Dividends Pay & Compound: Monthly

Rate History
1 change since Sep 14, 2026 · 1.00% → 2.50% ▲ 1.50 pts · high 2.50% / low 1.00%
0.00%2.00%4.00%Sep 14, 2026: 1.00% APYOct 10, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20262.50%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
3-Month Certificate
$0
2.27% ▼ 0.23% below Texas avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 0.23% below avgNationally 2.09%
Details

Balance: $50,000+; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
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% ▼ 0.50% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
3-Month Certificate
$0
1.76% ▼ 0.74% below Texas avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 0.74% below avgNationally 2.09%
Details

Balance: $1,000-$49,999.99; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
3 Month Certificate
$1,000
1.50% ▼ 1.00% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 2.85% → 1.50% ▼ 1.35 pts · high 2.85% / low 1.50%
0.15%2.18%4.20%Sep 14, 2026: 2.85% APYSep 27, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20261.50%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
3 Month Standard CD
$1,000
1.50% ▼ 1.00% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 1.50% ▼ 1.35 pts · high 2.85% / low 1.50%
0.15%2.18%4.20%Sep 18, 2026: 2.85% APYSep 27, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20261.50%▼ from 2.85%
  • Sep 18, 20262.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
3 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
1.00% ▼ 1.50% below Texas avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 1.50% below avgNationally 2.09%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
0.25%0.88%1.50%Sep 22, 2026: 0.75% APYOct 10, 2026: 1.00% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20261.00%▲ from 0.75%
  • Sep 22, 20260.75%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 3 Months
$1,000
1.00% ▼ 1.50% below Texas avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 1.50% below avgNationally 2.09%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
0.25%0.88%1.50%Oct 6, 2026: 0.75% APYOct 10, 2026: 1.00% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20261.00%▲ from 0.75%
  • Oct 6, 20260.75%first recorded
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% ▼ 2.40% below Texas avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.40% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
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% ▼ 2.40% below Texas avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.40% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
605 W 15th St, Austin, TX 78701
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
605 W 15th St, Austin, TX 78701
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
605 W 15th St, Austin, TX 78701
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
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% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
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
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
3 Month Certificate of Deposit
$0
0.03% ▼ 2.47% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.47% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
3 Month Certificate of Deposit
$0
0.02% ▼ 2.48% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.48% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
3 Month Certificate of Deposit
$0
0.01% ▼ 2.49% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.49% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificate of Deposit
$0
4.44% ▲ 1.94% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 8, 2026: 4.44% APYOct 8, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.30% ▲ 1.80% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.80% above avgNationally 2.09%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$250,001
4.23% ▲ 1.73% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $250,001

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.23%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.20% ▲ 1.70% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.70% above avgNationally 2.09%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026

Austin 6 Month CD Rates

Texas 6 Month CD Average3.25% APYNational 2.78%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
6 Month 360 CDs
$0
4.30% ▲ 1.05% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.78%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
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
4.30% ▲ 1.05% above Texas avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.78%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Super Jumbo Certificate
$225,000
4.11% ▲ 0.86% above Texas avg
View
▼
Rate4.05%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.86% above avgNationally 2.78%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.11% ▲ 0.26 pts · high 4.11% / low 3.85%
3.35%3.98%4.61%Sep 14, 2026: 3.85% APYOct 4, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.11%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Jumbo Certificate
$95,000
4.01% ▲ 0.76% above Texas avg
View
▼
Rate3.95%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.76% above avgNationally 2.78%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 4, 2026: 4.01% APYOct 4, 2026Oct 13, 2026
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3505 Montopolis Dr Bldg A, Austin, TX 78744
6 Month Regular/ IRA
$500
3.95% ▲ 0.70% above Texas avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.70% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 6 Month
$0
3.92% ▲ 0.67% above Texas avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.67% above avgNationally 2.78%
Details

Balance: $100,000 & Over; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 3.92% → 3.92% ▲ 0.00 pts · high 3.92% / low 3.92%
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYOct 13, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.92%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Share Certificate
$1,000
3.91% ▲ 0.66% above Texas avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.66% above avgNationally 2.78%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Oct 4, 2026: 3.91% APYOct 4, 2026Oct 13, 2026
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% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
6 Month Certificate
$0
3.90% ▲ 0.65% above Texas avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
3.10%3.75%4.40%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.80% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
6 month CD
$1,000
3.90% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 13, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
6 Month Certificate
$0
3.90% ▲ 0.65% above Texas avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.78%
Details

Open Account

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 13, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Bask 6-month CD
$0
3.90% ▲ 0.65% above Texas avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 6 Month
$0
3.87% ▲ 0.62% above Texas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.62% above avgNationally 2.78%
Details

Balance: $50,000.00 - $99,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.87% ▲ 0.00 pts · high 3.87% / low 3.87%
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYOct 13, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.87%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 6 Month
$0
3.82% ▲ 0.57% above Texas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.57% above avgNationally 2.78%
Details

Balance: $1000 - $49,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.82% ▲ 0.00 pts · high 3.82% / low 3.82%
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYOct 13, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.82%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
180 Day Certificate
$0
3.80% ▲ 0.55% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.78%
Details

Open Account

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
180 Day Star Certificates of Deposit (CDs)
$0
3.80% ▲ 0.55% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
14028 N Highway 183, Austin, TX 78717
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.75% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
6 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.78%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 22, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 22, 20263.50%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 6 Months
$1,000
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.78%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Oct 6, 2026: 3.50% APYOct 10, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Oct 6, 20263.50%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
6-Month CD
$0
3.75% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
6-Month Term
$1,000
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
6 Month Business Fixed Rate Certificate
$0
3.70% ▲ 0.45% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
6 Month Fixed-Rate Certificate
$0
3.70% ▲ 0.45% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 6 Month
$0
3.70% ▲ 0.45% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
6 Month Mini-Jumbo Certificate
$20,000
3.70% ▲ 0.45% above Texas avg
View
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.78%
Details

Dividends Pay & Compound: Monthly

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
Jumbo Share Certificate - 6 Month
$90,000
3.70% ▲ 0.45% above Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
3001 Palm Way, Austin, TX 78758
6-month CD
$0
3.65% ▲ 0.40% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Minimum balance to open: $50,000 - $250,000 New Money

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
6 Month CD
$100,000
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.40% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
6 Month CD and IRA CD
$0
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Rate and APY are variable and may change after account opening.

Rate History
1 change since Sep 27, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.63%4.15%Sep 27, 2026: 3.60% APYOct 10, 2026: 3.65% APYSep 27, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.60%
  • Sep 27, 20263.60%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
6 Month Certificate
$0
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Rate is for Certificates. APY is Annual Percentage Yield.

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.63%4.15%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD and IRA CDs - 6 Months
$0
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Rate History
1 change since Sep 27, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.63%4.15%Sep 27, 2026: 3.60% APYOct 10, 2026: 3.65% APYSep 27, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.60%
  • Sep 27, 20263.60%first recorded
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
6 Month Certificate
$0
3.65% ▲ 0.40% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
6 Month IRA Certificate
$0
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
6 Month Fixed-Rate Certificate of Deposit
$1,000
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Dividend Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
2.75%3.45%4.15%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.65%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
6 Month Short Term Certificate
$1,000
3.65% ▲ 0.40% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Dividends Pay & Compound: Monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
6 Month Share Certificate
$0
3.61% ▲ 0.36% above Texas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.36% above avgNationally 2.78%
Details

Balance: $1000 - $49,999.99

Rate History
2 changes since Sep 21, 2026 · 3.61% → 3.61% ▲ 0.00 pts · high 3.61% / low 3.61%
3.11%3.61%4.11%Sep 21, 2026: 3.61% APYSep 25, 2026: 3.61% APYSep 29, 2026: 3.61% APYSep 21, 2026Oct 13, 2026
  • Sep 29, 20263.61%▲ from 3.61%
  • Sep 25, 20263.61%▼ from 3.61%
  • Sep 21, 20263.61%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
180 Day Certificate of Deposit
$0
3.60% ▲ 0.35% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
2.60%3.35%4.10%Sep 18, 2026: 3.10% APYSep 24, 2026: 3.50% APYOct 2, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.60%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
6 Month Share Certificate
$0
3.60% ▲ 0.35% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
Share Certificates - 6-Month Term
$0
3.50% ▲ 0.25% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.25% above avgNationally 2.78%
Details

Compounded Monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
2.95%3.48%4.00%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.50%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Consumer Certificates and IRA Certificates
$0
3.50% ▲ 0.25% above Texas avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.25% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50% ▲ 0.25% above Texas avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.25% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more - 6 Month
$0
3.50% ▲ 0.25% above Texas avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.25% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
6 Month Certificate
$0
3.30% ▲ 0.05% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.05% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
6-Month Certificate
$0
3.29% ▲ 0.04% above Texas avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.04% above avgNationally 2.78%
Details

Balance: $50,000+; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
180 Day Certificate of Deposit
$0
3.20% ▼ 0.05% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 0.05% below avgNationally 2.78%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70%
2.20%2.95%3.70%Sep 18, 2026: 2.70% APYSep 27, 2026: 3.10% APYOct 2, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.20%▲ from 3.10%
  • Sep 27, 20263.10%▲ from 2.70%
  • Sep 18, 20262.70%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month CD
$0
2.90% ▼ 0.35% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.35% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month Jumbo CD
$0
2.90% ▼ 0.35% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.35% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month Standard IRA CD
$0
2.90% ▼ 0.35% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.35% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 6 Month CD
$0
2.90% ▼ 0.35% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.35% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026

Austin 12 Month CD Rates

Texas 12 Month CD Average3.38% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month StartUP Share Certificate
$0
5.00% ▲ 1.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.62% above avgNationally 2.99%
Details

Maximum Balance: $1,000; Limit one StartUP Share Certificate per member

Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 13, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
12 month CD
$1,000
4.35% ▲ 0.97% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 10, 2026: 4.35% APYOct 10, 2026Oct 13, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Bask 12-month CD
$0
4.35% ▲ 0.97% above Texas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
12 Month 360 CDs
$0
4.30% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
1 Year IRA Certificate
$1,000
4.25% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
12-Month Super Jumbo Certificate
$225,000
4.22% ▲ 0.84% above Texas avg
View
▼
Rate4.15%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.84% above avgNationally 2.99%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.22% ▲ 0.16 pts · high 4.22% / low 4.06%
3.56%4.14%4.72%Sep 14, 2026: 4.06% APYOct 4, 2026: 4.22% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.22%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
12 Month Star Certificates of Deposit (CDs)
$0
4.20% ▲ 0.82% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
12-Month Jumbo Certificate
$95,000
4.11% ▲ 0.73% above Texas avg
View
▼
Rate4.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.73% above avgNationally 2.99%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Oct 4, 2026: 4.11% APYOct 4, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
12 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.10% ▲ 0.72% above Texas avg
View
▼
Rate4.02%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 22, 2026: 3.80% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 12 Months
$1,000
4.10% ▲ 0.72% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Oct 6, 2026: 3.80% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Oct 6, 20263.80%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 12 Month
$0
4.02% ▲ 0.64% above Texas avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.64% above avgNationally 2.99%
Details

Balance: $100,000 & Over; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.02% ▼ 0.00 pts · high 4.02% / low 4.02%
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▼ from 4.02%
  • Sep 14, 20264.02%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
12-Month Share Certificate
$1,000
4.01% ▲ 0.63% above Texas avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.63% above avgNationally 2.99%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 4, 2026: 4.01% APYOct 4, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
1-year online CDs
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
12 Month Certificate
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
12 Month CD
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more - 12 Month
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
12 Month Certificate
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
12 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 22, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 12 Months
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 6, 2026: 3.75% APYOct 10, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Oct 6, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
1-Year CD
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
1-Year Term
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 12 Month
$0
3.97% ▲ 0.59% above Texas avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.59% above avgNationally 2.99%
Details

Balance: $50,000.00 - $99,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 3.97% → 3.97% ▼ 0.00 pts · high 3.97% / low 3.97%
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▼ from 3.97%
  • Sep 14, 20263.97%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 12 Month
$0
3.92% ▲ 0.54% above Texas avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.54% above avgNationally 2.99%
Details

Balance: $1000 - $49,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 3.92% → 3.92% ▲ 0.00 pts · high 3.92% / low 3.92%
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYOct 13, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.92%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
12 month CD
$1,000
3.91% ▲ 0.53% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Dividends paid quarterly. Membership/Regular Savings account required.

Rate History
No change since Sep 22, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 22, 2026: 3.91% APYSep 22, 2026Oct 13, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
12 Month Fixed-Rate Certificate of Deposit
$1,000
3.91% ▲ 0.53% above Texas avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Dividend Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.73% → 3.91% ▲ 0.18 pts · high 3.91% / low 3.73%
3.23%3.82%4.41%Sep 14, 2026: 3.73% APYSep 18, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.91%▲ from 3.73%
  • Sep 14, 20263.73%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
1 Year IRA
$1,000
3.86% ▲ 0.48% above Texas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.48% above avgNationally 2.99%
Details

A penalty may be imposed for early withdrawal; IRAs may only be opened for terms of 1 year or more; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 18, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.86%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
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% ▲ 0.47% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.47% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
12 Month Certificate
$1,000
3.85% ▲ 0.47% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.47% above avgNationally 2.99%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
1 Year CD
$100,000
3.80% ▲ 0.42% above Texas avg
View
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.42% above avgNationally 2.99%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
Jumbo Share Certificate - 1 Year
$90,000
3.80% ▲ 0.42% above Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
12 Month CD and IRA CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate and APY are variable and may change after account opening.

Rate History
1 change since Sep 27, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 27, 2026: 3.70% APYOct 10, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.70%
  • Sep 27, 20263.70%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
12 Month Certificate
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate is for Certificates. APY is Annual Percentage Yield.

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 14, 2026: 3.70% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD and IRA CDs - 12 Months
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
1 change since Sep 27, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 27, 2026: 3.70% APYOct 10, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.70%
  • Sep 27, 20263.70%first recorded
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3505 Montopolis Dr Bldg A, Austin, TX 78744
12 Month Regular/ IRA
$500
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
12 Month Certificate
$0
3.75% ▲ 0.37% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
12 Month IRA Certificate
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month Share Certificate
$0
3.70% ▲ 0.32% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.32% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificates - 12 month
$0
3.70% ▲ 0.32% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.32% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/1 Year Certificate
$0
3.65% ▲ 0.27% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.27% above avgNationally 2.99%
Details

Compounded Monthly

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.63%4.15%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
Share Certificates - 1 Year Term
$0
3.65% ▲ 0.27% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.27% above avgNationally 2.99%
Details

Compounded Monthly

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.63%4.15%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.61% ▲ 0.23% above Texas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.23% above avgNationally 2.99%
Details

Balance: $100,000 & Over

Rate History
3 changes since Sep 14, 2026 · 3.61% → 3.61% ▲ 0.00 pts · high 3.61% / low 3.61%
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 21, 2026: 3.61% APYSep 25, 2026: 3.61% APYSep 29, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.61%▲ from 3.61%
  • Sep 25, 20263.61%▼ from 3.61%
  • Sep 21, 20263.61%▼ from 3.61%
  • Sep 14, 20263.61%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.56% ▲ 0.18% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.18% above avgNationally 2.99%
Details

Balance: $50,000.00 - $99,999.99

Rate History
3 changes since Sep 14, 2026 · 3.56% → 3.56% ▲ 0.00 pts · high 3.56% / low 3.56%
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 21, 2026: 3.56% APYSep 25, 2026: 3.56% APYSep 29, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.56%▲ from 3.56%
  • Sep 25, 20263.56%▼ from 3.56%
  • Sep 21, 20263.56%▼ from 3.56%
  • Sep 14, 20263.56%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
14028 N Highway 183, Austin, TX 78717
WooriWON Certificate of Deposit (CD) - 12-Months
$1,000
3.55% ▲ 0.17% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
1-Year Certificate
$0
3.54% ▲ 0.16% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.16% above avgNationally 2.99%
Details

Balance: $50,000+; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 3.54% APY · checked 6 times
3.04%3.54%4.04%Sep 14, 2026: 3.54% APYSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.51% ▲ 0.13% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.13% above avgNationally 2.99%
Details

Balance: $1000 - $49,999.99

Rate History
3 changes since Sep 14, 2026 · 3.51% → 3.51% ▲ 0.00 pts · high 3.51% / low 3.51%
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 21, 2026: 3.51% APYSep 25, 2026: 3.51% APYSep 29, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.51%▲ from 3.51%
  • Sep 25, 20263.51%▼ from 3.51%
  • Sep 21, 20263.51%▼ from 3.51%
  • Sep 14, 20263.51%first recorded
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
12 Month Business Fixed Rate Certificate
$0
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
12 Month Fixed-Rate Certificate
$0
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
12 Month Variable-Rate Early Saver Certificate
$0
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Balance: 12 Month-up to $20,000; Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026

Austin 18 Month CD Rates

Texas 18 Month CD Average3.26% APYNational 2.87%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
18 Month 360 CDs
$0
4.30% ▲ 1.04% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 1.04% above avgNationally 2.87%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Super Jumbo Certificate
$225,000
4.27% ▲ 1.01% above Texas avg
View
▼
Rate4.20%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 1.01% above avgNationally 2.87%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
3.61%4.19%4.77%Sep 14, 2026: 4.11% APYOct 4, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.27%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
18 Month Star Certificates of Deposit (CDs)
$0
4.25% ▲ 0.99% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 0.99% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Jumbo Certificate
$95,000
4.16% ▲ 0.90% above Texas avg
View
▼
Rate4.10%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.90% above avgNationally 2.87%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
18 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.10% ▲ 0.84% above Texas avg
View
▼
Rate4.02%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.84% above avgNationally 2.87%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 22, 2026: 3.80% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 18 Months
$1,000
4.10% ▲ 0.84% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.84% above avgNationally 2.87%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Oct 6, 2026: 3.80% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Oct 6, 20263.80%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Share Certificate
$1,000
4.06% ▲ 0.80% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.80% above avgNationally 2.87%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 4, 2026: 4.06% APYOct 4, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 0.74% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 0.74% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more - 18 Month
$0
4.00% ▲ 0.74% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
18 Month Certificate
$0
4.00% ▲ 0.74% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
18 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.00% ▲ 0.74% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.74% above avgNationally 2.87%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 22, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 18 Months
$1,000
4.00% ▲ 0.74% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.74% above avgNationally 2.87%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 6, 2026: 3.75% APYOct 10, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Oct 6, 20263.75%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
18 month CD
$1,000
4.00% ▲ 0.74% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Bask 18-month CD
$0
4.00% ▲ 0.74% above Texas avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$1,000
3.91% ▲ 0.65% above Texas avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.65% above avgNationally 2.87%
Details

Balance: $75,000 and over; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days

Rate History
1 change since Sep 20, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
3.30%3.86%4.41%Sep 20, 2026: 3.80% APYOct 4, 2026: 3.91% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 20, 20263.80%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
18 Month IRA Certificate
$1,000
3.90% ▲ 0.64% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.64% above avgNationally 2.87%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$1,000
3.86% ▲ 0.60% above Texas avg
View
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.60% above avgNationally 2.87%
Details

Balance: $20,000 - $74,999.99; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days

Rate History
1 change since Sep 20, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75%
3.25%3.80%4.36%Sep 20, 2026: 3.75% APYOct 4, 2026: 3.86% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.86%▲ from 3.75%
  • Sep 20, 20263.75%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
18 month CD
$1,000
3.85% ▲ 0.59% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.26%▲ 0.59% above avgNationally 2.87%
Details

Dividends paid quarterly. Membership/Regular Savings account required.

Rate History
1 change since Sep 22, 2026 · 3.91% → 3.85% ▼ 0.06 pts · high 3.91% / low 3.85%
3.35%3.88%4.41%Sep 22, 2026: 3.91% APYSep 27, 2026: 3.85% APYSep 22, 2026Oct 13, 2026
  • Sep 27, 20263.85%▼ from 3.91%
  • Sep 22, 20263.91%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
18 Month Fixed-Rate Certificate of Deposit
$1,000
3.85% ▲ 0.59% above Texas avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.26%▲ 0.59% above avgNationally 2.87%
Details

Dividend Pay & Compound: Quarterly

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.91% / low 3.65%
3.15%3.78%4.41%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.91% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.85%▼ from 3.91%
  • Sep 18, 20263.91%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
18 Month Certificate
$1,000
3.85% ▲ 0.59% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.59% above avgNationally 2.87%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$1,000
3.79% ▲ 0.53% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.53% above avgNationally 2.87%
Details

Balance: $5,000 - $19,999.99; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days

Rate History
1 change since Sep 20, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69%
3.19%3.74%4.29%Sep 20, 2026: 3.69% APYOct 4, 2026: 3.79% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.79%▲ from 3.69%
  • Sep 20, 20263.69%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
18 Month Share Certificate
$0
3.75% ▲ 0.49% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificates - 18 month
$0
3.75% ▲ 0.49% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$1,000
3.75% ▲ 0.49% above Texas avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.49% above avgNationally 2.87%
Details

Balance: $1,000 - $4,999.99; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days

Rate History
1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 20, 2026: 3.65% APYOct 4, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 20, 20263.65%first recorded
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3505 Montopolis Dr Bldg A, Austin, TX 78744
18 Month Regular/ IRA
$500
3.75% ▲ 0.49% above Texas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
18 Month Certificate
$0
3.75% ▲ 0.49% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
18 Month IRA Certificate
$0
3.75% ▲ 0.49% above Texas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.44% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 0.44% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
18 Month Certificate
$0
3.60% ▲ 0.34% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 0.34% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
18 Month Business Fixed Rate Certificate
$0
3.55% ▲ 0.29% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
18 Month Fixed-Rate Certificate
$0
3.55% ▲ 0.29% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 0.29% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
18 Month CD
$100,000
3.55% ▲ 0.29% above Texas avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 0.29% above avgNationally 2.87%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.55% / low 3.39%
2.89%3.47%4.05%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.55%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
18 Month CD
$1,000
3.34% ▲ 0.08% above Texas avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 0.08% above avgNationally 2.87%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.34% ▲ 0.09 pts · high 3.34% / low 3.25%
2.75%3.30%3.84%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.34%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month CD
$0
3.00% ▼ 0.26% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month Jumbo CD
$0
3.00% ▼ 0.26% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month Standard IRA CD
$0
3.00% ▼ 0.26% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 18 Month CD
$0
3.00% ▼ 0.26% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.96% ▼ 0.30% below Texas avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▼ 0.30% below avgNationally 2.87%
Details

Balance: $100,000 & Over

Rate History
3 changes since Sep 14, 2026 · 2.96% → 2.96% ▲ 0.00 pts · high 2.96% / low 2.96%
2.46%2.96%3.46%Sep 14, 2026: 2.96% APYSep 21, 2026: 2.96% APYSep 25, 2026: 2.96% APYSep 29, 2026: 2.96% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.96%▲ from 2.96%
  • Sep 25, 20262.96%▼ from 2.96%
  • Sep 21, 20262.96%▼ from 2.96%
  • Sep 14, 20262.96%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.91% ▼ 0.35% below Texas avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▼ 0.35% below avgNationally 2.87%
Details

Balance: $50,000.00 - $99,999.99

Rate History
3 changes since Sep 14, 2026 · 2.91% → 2.91% ▲ 0.00 pts · high 2.91% / low 2.91%
2.41%2.91%3.41%Sep 14, 2026: 2.91% APYSep 21, 2026: 2.91% APYSep 25, 2026: 2.91% APYSep 29, 2026: 2.91% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.91%▲ from 2.91%
  • Sep 25, 20262.91%▼ from 2.91%
  • Sep 21, 20262.91%▼ from 2.91%
  • Sep 14, 20262.91%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.86% ▼ 0.40% below Texas avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▼ 0.40% below avgNationally 2.87%
Details

Balance: $1000 - $49,999.99

Rate History
3 changes since Sep 14, 2026 · 2.86% → 2.86% ▲ 0.00 pts · high 2.86% / low 2.86%
2.36%2.86%3.36%Sep 14, 2026: 2.86% APYSep 21, 2026: 2.86% APYSep 25, 2026: 2.86% APYSep 29, 2026: 2.86% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.86%▲ from 2.86%
  • Sep 25, 20262.86%▼ from 2.86%
  • Sep 21, 20262.86%▼ from 2.86%
  • Sep 14, 20262.86%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
18-Month CD
$0
2.75% ▼ 0.51% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.51% below avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
18-Month Term
$1,000
2.75% ▼ 0.51% below Texas avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.51% below avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
18 Month Certificate
$1,000
1.50% ▼ 1.76% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 1.76% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
18 Month Jumbo CD
$90,000
1.50% ▼ 1.76% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 1.76% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
18 Month Standard CD
$1,000
1.50% ▼ 1.76% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 1.76% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
Jumbo Certificate of Deposit - 18 Months
$90,000
1.50% ▼ 1.76% below Texas avg
View
▼
Rate1.49%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 1.76% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
Jumbo IRA / SEPP - 18 Months
$90,000
1.50% ▼ 1.76% below Texas avg
View
▼
Rate1.49%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 1.76% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
Variable - 18 Months
$100
1.50% ▼ 1.76% below Texas avg
View
▼
Rate1.49%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 1.76% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
18 Month Variable IRA
$0
0.90% ▼ 2.36% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 2.36% below avgNationally 2.87%
Details

Rate History
No change since Oct 2, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 2, 2026: 0.90% APYOct 2, 2026Oct 13, 2026

Austin 24 Month CD Rates

Texas 24 Month CD Average3.22% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
24 Month 360 CDs
$0
4.30% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
24 month CD
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 10, 2026: 4.30% APYOct 10, 2026Oct 13, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Bask 24-month CD
$0
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Super Jumbo Certificate
$225,000
4.27% ▲ 1.05% above Texas avg
View
▼
Rate4.20%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.05% above avgNationally 2.88%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
3.61%4.19%4.77%Sep 14, 2026: 4.11% APYOct 4, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.27%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
7800 Shoal Creek Boulevard, Austin, TX 78757
24-month CD
$0
4.25% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Save on your terms with a guaranteed rate of return on a Certificate of Deposit.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
24 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 24 Months
$1,000
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Oct 6, 2026: 3.90% APYOct 10, 2026: 4.20% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Oct 6, 20263.90%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Jumbo Certificate
$95,000
4.16% ▲ 0.94% above Texas avg
View
▼
Rate4.10%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.94% above avgNationally 2.88%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
24 Month Business Fixed Rate Certificate
$0
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
24 Month Fixed-Rate Certificate
$0
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 24 Month
$0
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
24 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 22, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 22, 20263.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 24 Months
$1,000
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 6, 2026: 3.85% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Oct 6, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Share Certificate
$1,000
4.06% ▲ 0.84% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.84% above avgNationally 2.88%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 4, 2026: 4.06% APYOct 4, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 0.78% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 0.78% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more - 24 Month
$0
4.00% ▲ 0.78% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
24 Month Certificate
$0
4.00% ▲ 0.78% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
24 Month Business Fixed Rate Certificate
$0
3.95% ▲ 0.73% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 24, 2026: 3.95% APYSep 24, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
24 Month Fixed-Rate Certificate
$0
3.95% ▲ 0.73% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 24 Month Step-Up
$0
3.95% ▲ 0.73% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
2 Year IRA Certificate
$1,000
3.90% ▲ 0.68% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.88%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
2 Year Certificate
$1,000
3.85% ▲ 0.63% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
24 month CD
$1,000
3.75% ▲ 0.53% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.88%
Details

Dividends paid quarterly. Membership/Regular Savings account required.

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
24 Month Fixed-Rate Certificate of Deposit
$1,000
3.75% ▲ 0.53% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.88%
Details

Dividend Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
24 Month Share Certificate
$0
3.70% ▲ 0.48% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificates - 24 month
$0
3.70% ▲ 0.48% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
24 Month CD and IRA CD
$0
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate and APY are variable and may change after account opening.

Rate History
1 change since Sep 27, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 27, 2026: 3.65% APYOct 10, 2026: 3.70% APYSep 27, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.65%
  • Sep 27, 20263.65%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
24 Month Certificate
$0
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate is for Certificates. APY is Annual Percentage Yield.

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD and IRA CDs - 24 Months
$0
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 27, 2026: 3.65% APYOct 10, 2026: 3.70% APYSep 27, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.65%
  • Sep 27, 20263.65%first recorded
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/2 Year Certificate
$0
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Compounded Monthly

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
Share Certificates - 2 Year Term
$0
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Compounded Monthly

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
24 Month Certificate
$0
3.70% ▲ 0.48% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
24 Month IRA Certificate
$0
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
24 Month Certificate
$0
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Open Account

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
24 Month Star Certificates of Deposit (CDs)
$0
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
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% ▲ 0.38% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
2 Year IRA
$1,000
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal; IRAs may only be opened for terms of 1 year or more; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.55% ▲ 0.11 pts · high 3.55% / low 3.44%
2.94%3.50%4.05%Sep 14, 2026: 3.44% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.55%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
2-Year Certificate
$0
3.54% ▲ 0.32% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.32% above avgNationally 2.88%
Details

Balance: $50,000+; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 3.54% APY · checked 6 times
3.04%3.54%4.04%Sep 14, 2026: 3.54% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
24 Month Certificate
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
2 Year CD
$100,000
3.49% ▲ 0.27% above Texas avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.27% above avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.34% → 3.49% ▲ 0.15 pts · high 3.49% / low 3.34%
2.84%3.42%3.99%Sep 14, 2026: 3.34% APYSep 18, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.49%▲ from 3.34%
  • Sep 14, 20263.34%first recorded
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3505 Montopolis Dr Bldg A, Austin, TX 78744
24 Month Regular/ IRA
$500
3.25% ▲ 0.03% above Texas avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
24 Month Certificate of Deposit
$0
3.10% ▼ 0.12% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 2.90% → 3.10% ▲ 0.20 pts · high 3.10% / low 2.90%
2.40%3.00%3.60%Sep 18, 2026: 2.90% APYSep 24, 2026: 3.00% APYOct 2, 2026: 3.10% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.10%▲ from 3.00%
  • Sep 24, 20263.00%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
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% below Texas avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.19% below avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.03% ▲ 0.03 pts · high 3.03% / low 3.00%
2.50%3.01%3.53%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.03%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
2-Year Certificate
$0
3.03% ▼ 0.19% below Texas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 0.19% below avgNationally 2.88%
Details

Balance: $1,000-$49,999.99; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month CD
$0
3.00% ▼ 0.22% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month Jumbo CD
$0
3.00% ▼ 0.22% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month Standard IRA CD
$0
3.00% ▼ 0.22% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 24 Month CD
$0
3.00% ▼ 0.22% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
24 Month Share Certificate
$0
2.99% ▼ 0.23% below Texas avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▼ 0.23% below avgNationally 2.88%
Details

Balance: $100,000 & Over

Rate History
2 changes since Sep 14, 2026 · 2.99% → 2.99% ▼ 0.00 pts · high 2.99% / low 2.99%
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 21, 2026: 2.99% APYSep 25, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.99%▼ from 2.99%
  • Sep 21, 20262.99%▼ from 2.99%
  • Sep 14, 20262.99%first recorded

Austin 36 Month CD Rates

Texas 36 Month CD Average3.14% APYNational 2.81%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Super Jumbo Certificate
$225,000
4.32% ▲ 1.18% above Texas avg
View
▼
Rate4.25%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.18% above avgNationally 2.81%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
3.66%4.24%4.82%Sep 14, 2026: 4.16% APYOct 4, 2026: 4.32% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.32%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
36 Month 360 CDs
$0
4.30% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Jumbo Certificate
$95,000
4.22% ▲ 1.08% above Texas avg
View
▼
Rate4.15%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.08% above avgNationally 2.81%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 4, 2026: 4.22% APYOct 4, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
36 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 1.06% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 36 Months
$1,000
4.20% ▲ 1.06% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Oct 6, 2026: 3.90% APYOct 10, 2026: 4.20% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Oct 6, 20263.90%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Share Certificate
$1,000
4.11% ▲ 0.97% above Texas avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.97% above avgNationally 2.81%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Oct 4, 2026: 4.11% APYOct 4, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
36 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.10% ▲ 0.96% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 22, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 22, 20263.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 36 Months
$1,000
4.10% ▲ 0.96% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 6, 2026: 3.85% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Oct 6, 20263.85%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Consumer Certificates and IRA Certificates
$0
3.75% ▲ 0.61% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75% ▲ 0.61% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more - 36 Month
$0
3.75% ▲ 0.61% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
36 Month Share Certificate
$0
3.70% ▲ 0.56% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificates - 36 month
$0
3.70% ▲ 0.56% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
3 Year IRA Certificate
$1,000
3.70% ▲ 0.56% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.56% above avgNationally 2.81%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/3 Year Certificate
$0
3.65% ▲ 0.51% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.81%
Details

Compounded Monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
Share Certificates - 3 Year Term
$0
3.65% ▲ 0.51% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.81%
Details

Compounded Monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
36 Month Fixed-Rate Certificate of Deposit
$1,000
3.65% ▲ 0.51% above Texas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.81%
Details

Dividend Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
2.80%3.48%4.15%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.65%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
3 Year Certificate
$1,000
3.65% ▲ 0.51% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.81%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.63%4.15%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
36 Month Certificate
$0
3.65% ▲ 0.51% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
36 Month Business Fixed Rate Certificate
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
36 Month Fixed-Rate Certificate
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 36 Month
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
36 Month CD and IRA CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate and APY are variable and may change after account opening.

Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Oct 13, 2026
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
36 Month Certificate
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate is for Certificates. APY is Annual Percentage Yield.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD and IRA CDs - 36 Months
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
36 Month Certificate
$0
3.60% ▲ 0.46% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
36 Month IRA Certificate
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
36 Month Certificate
$0
3.50% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
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% ▲ 0.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
3-Year Certificate
$0
3.29% ▲ 0.15% above Texas avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.15% above avgNationally 2.81%
Details

Balance: $50,000+; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
3.04% ▼ 0.10% below Texas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▼ 0.10% below avgNationally 2.81%
Details

Balance: $100,000 & Over

Rate History
3 changes since Sep 14, 2026 · 3.04% → 3.04% ▼ 0.00 pts · high 3.04% / low 3.04%
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 21, 2026: 3.04% APYSep 25, 2026: 3.04% APYSep 29, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.04%▼ from 3.04%
  • Sep 25, 20263.04%▼ from 3.04%
  • Sep 21, 20263.04%▼ from 3.04%
  • Sep 14, 20263.04%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 36 Month
$0
3.04% ▼ 0.10% below Texas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▼ 0.10% below avgNationally 2.81%
Details

Balance: $100,000 & Over; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.04% ▼ 0.00 pts · high 3.04% / low 3.04%
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYOct 13, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.04%▼ from 3.04%
  • Sep 14, 20263.04%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month CD
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month Jumbo CD
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month Standard IRA CD
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 36 Month CD
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
2.99% ▼ 0.15% below Texas avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▼ 0.15% below avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
2 changes since Sep 14, 2026 · 2.99% → 2.99% ▼ 0.00 pts · high 2.99% / low 2.99%
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 21, 2026: 2.99% APYSep 25, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.99%▼ from 2.99%
  • Sep 21, 20262.99%▼ from 2.99%
  • Sep 14, 20262.99%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 36 Month
$0
2.99% ▼ 0.15% below Texas avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▼ 0.15% below avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
2.94% ▼ 0.20% below Texas avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▼ 0.20% below avgNationally 2.81%
Details

Balance: $1000 - $49,999.99

Rate History
3 changes since Sep 14, 2026 · 2.94% → 2.94% ▲ 0.00 pts · high 2.94% / low 2.94%
2.44%2.94%3.44%Sep 14, 2026: 2.94% APYSep 21, 2026: 2.94% APYSep 25, 2026: 2.94% APYSep 29, 2026: 2.94% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.94%▲ from 2.94%
  • Sep 25, 20262.94%▼ from 2.94%
  • Sep 21, 20262.94%▼ from 2.94%
  • Sep 14, 20262.94%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 36 Month
$0
2.94% ▼ 0.20% below Texas avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▼ 0.20% below avgNationally 2.81%
Details

Balance: $1000 - $49,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 2.94% → 2.94% ▲ 0.00 pts · high 2.94% / low 2.94%
2.44%2.94%3.44%Sep 14, 2026: 2.94% APYOct 13, 2026: 2.94% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.94%▲ from 2.94%
  • Sep 14, 20262.94%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
3-Year Certificate
$0
2.78% ▼ 0.36% below Texas avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 0.36% below avgNationally 2.81%
Details

Balance: $1,000-$49,999.99; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
36 Month Jumbo CD
$90,000
1.50% ▼ 1.64% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
36 Month Standard CD
$1,000
1.50% ▼ 1.64% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
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% ▼ 1.74% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.74% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
3-Year CD
$0
0.40% ▼ 2.74% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 2.74% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
3-Year Term
$1,000
0.40% ▼ 2.74% below Texas avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 2.74% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
3-Year RampUp
$25,000
0.25% ▼ 2.89% below Texas avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 2.89% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 13, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
3 Year CD
$500
0.05% ▼ 3.09% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.09% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
36 Month Certificate of Deposit
$0
0.03% ▼ 3.11% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.11% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
36 Month Certificate of Deposit
$0
0.02% ▼ 3.12% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.12% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026

Austin 48 Month CD Rates

Texas 48 Month CD Average3.04% APYNational 2.80%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Super Jumbo Certificate
$225,000
4.37% ▲ 1.33% above Texas avg
View
▼
Rate4.30%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.33% above avgNationally 2.80%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 14, 2026: 4.22% APYOct 4, 2026: 4.37% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.37%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
48 Month 360 CDs
$0
4.30% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Jumbo Certificate
$95,000
4.27% ▲ 1.23% above Texas avg
View
▼
Rate4.20%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.23% above avgNationally 2.80%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 4, 2026: 4.27% APYOct 4, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
48 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 1.16% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.80%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 48 Months
$1,000
4.20% ▲ 1.16% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.80%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Oct 6, 2026: 3.90% APYOct 10, 2026: 4.20% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Oct 6, 20263.90%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Share Certificate
$1,000
4.16% ▲ 1.12% above Texas avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.12% above avgNationally 2.80%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
48 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.10% ▲ 1.06% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.80%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 22, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 22, 20263.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 48 Months
$1,000
4.10% ▲ 1.06% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.80%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 6, 2026: 3.85% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Oct 6, 20263.85%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Consumer Certificates and IRA Certificates
$0
3.75% ▲ 0.71% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75% ▲ 0.71% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more - 48 Month
$0
3.75% ▲ 0.71% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
48 Month Business Fixed Rate Certificate
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
48 Month Fixed-Rate Certificate
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 48 Month
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
48 Month Share Certificate
$0
3.70% ▲ 0.66% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificates - 48 month
$0
3.70% ▲ 0.66% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
4 Year IRA Certificate
$1,000
3.70% ▲ 0.66% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
4 Year Certificate
$1,000
3.65% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.61% above avgNationally 2.80%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.63%4.15%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
48 Month CD and IRA CD
$0
3.55% ▲ 0.51% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.80%
Details

Rate and APY are variable and may change after account opening.

Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 27, 2026: 3.55% APYSep 27, 2026Oct 13, 2026
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
48 Month Certificate
$0
3.55% ▲ 0.51% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.80%
Details

Rate is for Certificates. APY is Annual Percentage Yield.

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD and IRA CDs - 48 Months
$0
3.55% ▲ 0.51% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 27, 2026: 3.55% APYSep 27, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
48 Month Certificate
$0
3.55% ▲ 0.51% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
48 Month IRA Certificate
$0
3.55% ▲ 0.51% above Texas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
48 Month Certificate
$0
3.50% ▲ 0.46% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
48 Month Fixed-Rate Certificate of Deposit
$1,000
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Dividend Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
2.70%3.35%4.00%Sep 14, 2026: 3.20% APYSep 18, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.50%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
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% ▲ 0.31% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month CD
$0
2.75% ▼ 0.29% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month Jumbo CD
$0
2.75% ▼ 0.29% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month Standard IRA CD
$0
2.75% ▼ 0.29% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 48 Month CD
$0
2.75% ▼ 0.29% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.43% ▼ 0.61% below Texas avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▼ 0.61% below avgNationally 2.80%
Details

Balance: $100,000 & Over

Rate History
3 changes since Sep 14, 2026 · 2.43% → 2.43% ▲ 0.00 pts · high 2.43% / low 2.43%
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYSep 21, 2026: 2.43% APYSep 25, 2026: 2.43% APYSep 29, 2026: 2.43% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.43%▲ from 2.43%
  • Sep 25, 20262.43%▼ from 2.43%
  • Sep 21, 20262.43%▼ from 2.43%
  • Sep 14, 20262.43%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 48 Month
$0
2.43% ▼ 0.61% below Texas avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▼ 0.61% below avgNationally 2.80%
Details

Balance: $100,000 & Over; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 2.43% → 2.43% ▲ 0.00 pts · high 2.43% / low 2.43%
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYOct 13, 2026: 2.43% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.43%▲ from 2.43%
  • Sep 14, 20262.43%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.38% ▼ 0.66% below Texas avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▼ 0.66% below avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99

Rate History
3 changes since Sep 14, 2026 · 2.38% → 2.38% ▲ 0.00 pts · high 2.38% / low 2.38%
1.88%2.38%2.88%Sep 14, 2026: 2.38% APYSep 21, 2026: 2.38% APYSep 25, 2026: 2.38% APYSep 29, 2026: 2.38% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.38%▲ from 2.38%
  • Sep 25, 20262.38%▼ from 2.38%
  • Sep 21, 20262.38%▼ from 2.38%
  • Sep 14, 20262.38%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 48 Month
$0
2.38% ▼ 0.66% below Texas avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▼ 0.66% below avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 2.38% → 2.38% ▲ 0.00 pts · high 2.38% / low 2.38%
1.88%2.38%2.88%Sep 14, 2026: 2.38% APYOct 13, 2026: 2.38% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.38%▲ from 2.38%
  • Sep 14, 20262.38%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.32% ▼ 0.72% below Texas avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▼ 0.72% below avgNationally 2.80%
Details

Balance: $1000 - $49,999.99

Rate History
3 changes since Sep 14, 2026 · 2.32% → 2.32% ▼ 0.00 pts · high 2.32% / low 2.32%
1.82%2.32%2.82%Sep 14, 2026: 2.32% APYSep 21, 2026: 2.32% APYSep 25, 2026: 2.32% APYSep 29, 2026: 2.32% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.32%▼ from 2.32%
  • Sep 25, 20262.32%▼ from 2.32%
  • Sep 21, 20262.32%▼ from 2.32%
  • Sep 14, 20262.32%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 48 Month
$0
2.32% ▼ 0.72% below Texas avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▼ 0.72% below avgNationally 2.80%
Details

Balance: $1000 - $49,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 2.32% → 2.32% ▼ 0.00 pts · high 2.32% / low 2.32%
1.82%2.32%2.82%Sep 14, 2026: 2.32% APYOct 13, 2026: 2.32% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.32%▼ from 2.32%
  • Sep 14, 20262.32%first recorded
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% ▼ 1.89% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 1.89% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
4-Year CD
$0
0.50% ▼ 2.54% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.54% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
4-Year Term
$1,000
0.50% ▼ 2.54% below Texas avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.54% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
4-Year RampUp
$50,000
0.25% ▼ 2.79% below Texas avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.79% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 13, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
4 Year CD
$500
0.15% ▼ 2.89% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 2.89% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
48 Month Certificate of Deposit
$0
0.03% ▼ 3.01% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.01% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
48 Month Certificate of Deposit
$0
0.02% ▼ 3.02% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.02% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
48 Month Certificate of Deposit
$0
0.01% ▼ 3.03% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.03% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.60% ▲ 1.56% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.56% above avgNationally 2.80%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.50% ▲ 1.46% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.46% above avgNationally 2.80%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$90,000
4.49% ▲ 1.45% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.45% above avgNationally 2.80%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APYOct 8, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47% ▲ 1.43% above Texas avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.43% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
3.62%4.30%4.97%Sep 18, 2026: 4.12% APYOct 1, 2026: 4.47% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.47%▲ from 4.12%
  • Sep 18, 20264.12%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40% ▲ 1.36% above Texas avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.80%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.40% ▲ 1.36% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.80%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026

Austin 60 Month CD Rates

Texas 60 Month CD Average3.08% APYNational 2.90%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Super Jumbo Certificate
$225,000
4.42% ▲ 1.34% above Texas avg
View
▼
Rate4.35%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 1.34% above avgNationally 2.90%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.27% → 4.42% ▲ 0.15 pts · high 4.42% / low 4.27%
3.77%4.35%4.92%Sep 14, 2026: 4.27% APYOct 4, 2026: 4.42% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.42%▲ from 4.27%
  • Sep 14, 20264.27%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
60 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.35% ▲ 1.27% above Texas avg
View
▼
Rate4.26%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.27% above avgNationally 2.90%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 22, 2026: 4.00% APYOct 10, 2026: 4.35% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 60 Months
$1,000
4.35% ▲ 1.27% above Texas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.27% above avgNationally 2.90%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Jumbo Certificate
$95,000
4.32% ▲ 1.24% above Texas avg
View
▼
Rate4.25%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 1.24% above avgNationally 2.90%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.32% APY · checked 3 times
3.82%4.32%4.82%Oct 4, 2026: 4.32% APYOct 4, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
60 Month 360 CDs
$0
4.30% ▲ 1.22% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.22% above avgNationally 2.90%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
60 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 22, 2026: 3.95% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Sep 22, 20263.95%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificate/Certificate of Deposit - 60 Months
$1,000
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Oct 6, 2026: 3.95% APYOct 10, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Oct 6, 20263.95%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Share Certificate
$1,000
4.22% ▲ 1.14% above Texas avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 1.14% above avgNationally 2.90%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 4, 2026: 4.22% APYOct 4, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
60 Month Share Certificate
$0
3.75% ▲ 0.67% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificates - 60 month
$0
3.75% ▲ 0.67% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Consumer Certificates and IRA Certificates
$0
3.75% ▲ 0.67% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75% ▲ 0.67% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more - 60 Month
$0
3.75% ▲ 0.67% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
60 Month Business Fixed Rate Certificate
$0
3.70% ▲ 0.62% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
60 Month Fixed-Rate Certificate
$0
3.70% ▲ 0.62% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 60 Month
$0
3.70% ▲ 0.62% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
60 Month Certificate
$0
3.70% ▲ 0.62% above Texas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
5 Year IRA Certificate
$1,000
3.65% ▲ 0.57% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.57% above avgNationally 2.90%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
5-year online CDs
$0
3.60% ▲ 0.52% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
60 Month Certificate
$0
3.60% ▲ 0.52% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
5 Year Certificate
$1,000
3.60% ▲ 0.52% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.52% above avgNationally 2.90%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.60%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
60 Month Certificate
$0
3.50% ▲ 0.42% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.42% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
60 Month IRA Certificate
$0
3.50% ▲ 0.42% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.42% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
60 Month Fixed-Rate Certificate of Deposit
$1,000
3.45% ▲ 0.37% above Texas avg
View
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Texas Average3.08%▲ 0.37% above avgNationally 2.90%
Details

Dividend Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.45% ▲ 0.35 pts · high 3.45% / low 3.10%
2.60%3.28%3.95%Sep 14, 2026: 3.10% APYSep 18, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.45%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
5 Year IRA
$1,000
3.29% ▲ 0.21% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.21% above avgNationally 2.90%
Details

A penalty may be imposed for early withdrawal; IRAs may only be opened for terms of 1 year or more; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.08% → 3.29% ▲ 0.21 pts · high 3.29% / low 3.08%
2.58%3.19%3.79%Sep 14, 2026: 3.08% APYSep 18, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.29%▲ from 3.08%
  • Sep 14, 20263.08%first recorded
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% ▲ 0.17% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.17% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
5 Year CD
$100,000
3.24% ▲ 0.16% above Texas avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.16% above avgNationally 2.90%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.14% → 3.24% ▲ 0.10 pts · high 3.24% / low 3.14%
2.64%3.19%3.74%Sep 14, 2026: 3.14% APYSep 18, 2026: 3.24% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.24%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
5 Year CD
$1,000
3.03% ▼ 0.05% below Texas avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 0.05% below avgNationally 2.90%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 2.07% → 3.03% ▲ 0.96 pts · high 3.03% / low 2.07%
1.11%2.55%3.99%Sep 14, 2026: 2.07% APYSep 18, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.03%▲ from 2.07%
  • Sep 14, 20262.07%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month CD
$0
2.50% ▼ 0.58% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month Jumbo CD
$0
2.50% ▼ 0.58% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month Standard IRA CD
$0
2.50% ▼ 0.58% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 60 Month CD
$0
2.50% ▼ 0.58% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.48% ▼ 0.60% below Texas avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▼ 0.60% below avgNationally 2.90%
Details

Balance: $100,000 & Over

Rate History
3 changes since Sep 14, 2026 · 2.48% → 2.48% ▲ 0.00 pts · high 2.48% / low 2.48%
1.98%2.48%2.98%Sep 14, 2026: 2.48% APYSep 21, 2026: 2.48% APYSep 25, 2026: 2.48% APYSep 29, 2026: 2.48% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.48%▲ from 2.48%
  • Sep 25, 20262.48%▼ from 2.48%
  • Sep 21, 20262.48%▼ from 2.48%
  • Sep 14, 20262.48%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 60 Month
$0
2.48% ▼ 0.60% below Texas avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▼ 0.60% below avgNationally 2.90%
Details

Balance: $100,000 & Over; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 2.48% → 2.48% ▲ 0.00 pts · high 2.48% / low 2.48%
1.98%2.48%2.98%Sep 14, 2026: 2.48% APYOct 13, 2026: 2.48% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.48%▲ from 2.48%
  • Sep 14, 20262.48%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.43% ▼ 0.65% below Texas avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▼ 0.65% below avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99

Rate History
3 changes since Sep 14, 2026 · 2.43% → 2.43% ▲ 0.00 pts · high 2.43% / low 2.43%
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYSep 21, 2026: 2.43% APYSep 25, 2026: 2.43% APYSep 29, 2026: 2.43% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.43%▲ from 2.43%
  • Sep 25, 20262.43%▼ from 2.43%
  • Sep 21, 20262.43%▼ from 2.43%
  • Sep 14, 20262.43%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 60 Month
$0
2.43% ▼ 0.65% below Texas avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▼ 0.65% below avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 2.43% → 2.43% ▲ 0.00 pts · high 2.43% / low 2.43%
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYOct 13, 2026: 2.43% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.43%▲ from 2.43%
  • Sep 14, 20262.43%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.38% ▼ 0.70% below Texas avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▼ 0.70% below avgNationally 2.90%
Details

Balance: $1000 - $49,999.99

Rate History
3 changes since Sep 14, 2026 · 2.38% → 2.38% ▲ 0.00 pts · high 2.38% / low 2.38%
1.88%2.38%2.88%Sep 14, 2026: 2.38% APYSep 21, 2026: 2.38% APYSep 25, 2026: 2.38% APYSep 29, 2026: 2.38% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20262.38%▲ from 2.38%
  • Sep 25, 20262.38%▼ from 2.38%
  • Sep 21, 20262.38%▼ from 2.38%
  • Sep 14, 20262.38%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 60 Month
$0
2.38% ▼ 0.70% below Texas avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▼ 0.70% below avgNationally 2.90%
Details

Balance: $1000 - $49,999.99; Dividend Rate earned is accurate as of March 31st, 2026; Early withdrawal may be subject to penalties

Rate History
1 change since Sep 14, 2026 · 2.38% → 2.38% ▲ 0.00 pts · high 2.38% / low 2.38%
1.88%2.38%2.88%Sep 14, 2026: 2.38% APYOct 13, 2026: 2.38% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.38%▲ from 2.38%
  • Sep 14, 20262.38%first recorded
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
60 Month Jumbo CD
$90,000
1.50% ▼ 1.58% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 1.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
60 Month Standard CD
$1,000
1.50% ▼ 1.58% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 1.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
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% ▼ 1.83% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 1.83% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
5-Year CD
$0
0.50% ▼ 2.58% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 2.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
5-Year Term
$1,000
0.50% ▼ 2.58% below Texas avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 2.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
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% ▼ 2.73% below Texas avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 2.73% below avgNationally 2.90%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 13, 2026
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% ▼ 2.73% below Texas avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 2.73% below avgNationally 2.90%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 13, 2026
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% ▼ 2.78% below Texas avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 2.78% below avgNationally 2.90%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 7, 2026: 0.30% APYOct 7, 2026Oct 13, 2026
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
0.30% ▼ 2.78% below Texas avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 2.78% below avgNationally 2.90%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.35% → 0.30% ▼ 0.05 pts · high 0.35% / low 0.30%
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYOct 7, 2026: 0.30% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20260.30%▼ from 0.35%
  • Sep 24, 20260.35%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
60 Month Certificate of Deposit
$0
0.03% ▼ 3.05% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 3.05% below avgNationally 2.90%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
60 Month Certificate of Deposit
$0
0.02% ▼ 3.06% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 3.06% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
60 Month Certificate of Deposit
$0
0.01% ▼ 3.07% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 3.07% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026
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.

Top CD Rates from Austin, Texas Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Bask Bank
12 month CD
A+ 5.0 ★ TX: 3.64%
Min: $1,000
4.35%
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.30%
Hancock Whitney Bank
24-month CD
A+ 5.0 ★ TX: 3.41%
Min: $0
4.25%
Texas Capital Bank
18 Month Star Certificates of Deposit (CDs)
A+ 5.0 ★ TX: 3.64%
Min: $0
4.25%
CU Top 5 Credit Union Rates
A+ Federal Credit Union
12 Month StartUP Share Certificate
A 5.0 ★ TX: 11.13%
Min: $0
5.00%
Austin Telco Federal Credit Union
60-Month Super Jumbo Certificate
A+ 5.0 ★ TX: 1.81%
Min: $225,000
4.42%
GREATER TEXAS
60 Month IRA Term Share Accounts/Certificates of Deposit
A+ 5.0 ★ TX: 5.54%
Min: $95,000
4.35%
Velocity Credit Union
1 Year IRA Certificate
A+ 5.0 ★ TX: 1.87%
Min: $1,000
4.25%
Nizari Progressive Federal Credit Union
3 Month Momentum Share Certificate
A+ 5.0 ★ TX: 1.16%
Min: $0
4.13%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full Texas CD Trends
12-Month CD TX Avg
3.376%
▲ 0.021 vs 7 days ago

Texas 12-month CD rates rose 0.021 points over the past 7 days to 3.376% APY.

6-Month CD TX Avg
3.252%
▲ 0.022 vs 7 days ago

Texas 6-month CD rates rose 0.022 points over the past 7 days to 3.252% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

TX CD Rate Forecast, Next 12 Months

Where are Texas CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

TX 12-Month Avg APY
3.376%
6-Month Forecast
3.376%
Range: 3.18%, 3.53%
12-Month Forecast
3.626%
Range: 3.43%, 3.78%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Texas average 12-month CD APY in our database.

Spread model: The Texas 12-month CD average currently trades 1.00% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.496% $124.78 $249.57 $623.93 $1,247.85
6-Month CD 3.252% $162.59 $325.18 $812.95 $1,625.90
12-Month CD 3.376% $168.81 $337.61 $844.03 $1,688.05
18-Month CD 3.260% $163.01 $326.02 $815.05 $1,630.10
24-Month CD 3.217% $160.84 $321.67 $804.18 $1,608.35
36-Month CD 3.136% $156.80 $313.60 $784.00 $1,568.00
48-Month CD 3.038% $151.91 $303.82 $759.55 $1,519.10
60-Month CD 3.081% $154.03 $308.06 $770.15 $1,540.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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.

Build Your Ladder
Rung Term Deposit TX Avg APY Annual Earnings
1 3-Month CD $5,000 2.496% $124.78
2 6-Month CD $5,000 3.252% $162.59
3 12-Month CD $5,000 3.376% $168.81
4 24-Month CD $5,000 3.217% $160.84
5 36-Month CD $5,000 3.136% $156.80
Total ($25,000 invested) $25,000 3.095% blended $773.82/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.

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3,489
CD Rates
Tracked in Austin, Texas
46 Banks 71 Credit Unions

About Our Austin, Texas CD Rate Database

MonitorBankRates tracks 3,489 CD rates from 46 banks and 71 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 to 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 71 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: 117 institutions here report CD rates

Consider an Alternative If…

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
$183/yr
At TX 12-mo avg 3.376% 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 3.376%, saving 10% of the local median salary ($5,428/year) and putting it in a CD would earn an additional $183 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 to 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, Austin Telco Federal Credit Union is offering its 60-Month Super Jumbo Certificate at 4.42% 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: 4.58% APY (3 Month CD)
  • Austin Telco Federal Credit Union: 4.42% APY (60-Month Super Jumbo Certificate)
  • GREATER TEXAS: 4.35% APY (60 Month IRA Term Share Accounts/Certificates of Deposit)
  • Bask Bank: 4.35% APY (12 month CD)
  • Capital One Bank: 4.30% APY (12 Month 360 CDs)
  • Hancock Whitney Bank: 4.25% APY (24-month CD)
  • Texas Capital Bank: 4.25% APY (18 Month Star Certificates of Deposit (CDs))
  • Velocity Credit Union: 4.25% APY (1 Year IRA Certificate)
  • Nizari Progressive Federal Credit Union: 4.13% APY (3 Month Momentum Share Certificate)
Rates reflect recent verified offers available in Austin, Texas. Last Updated: October 13, 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
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Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Austin, Texas CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Austin, Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

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 Ladder

TX CD rates currently range from 2.496% (3-month) to 3.136% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Austin, Texas CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Texas’s average 12-month CD is 3.376% 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: October 13, 2026

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