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CD Rate Trends

Baytown, Texas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Baytown, Texas CD rates range from 0.01% to 5.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Baytown, Texas CD rates include Community Resource Credit UnionCommunity Resource Credit Union2900 Decker Dr, Baytown, TX 77520 2076A+5.0 ★Texas Ratio: 3.13%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month CD at 4.50% APY, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union6360 Garth Rd Ste 140, Baytown, TX 77521 5105A+5.0 ★Texas Ratio: 3.85%Real return: +1.21%APY minus CPI (February 2026) offering 12 Month CD - Jumbo Term Share at 4.01% APY, Frost BankFrost Bank3426 Garth Rd, Baytown, TX 77521A+5.0 ★Texas Ratio: 2.51%Real return: +1.20%APY minus CPI (February 2026) offering 90 Day Certificate of Deposit at 4.00% APY, Beacon Federal Credit UnionBeacon Federal Credit Union2812 N Alexander Dr, Baytown, TX 77520A+5.0 ★Texas Ratio: 2.19%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month IRA Certificate at 4.00% APY, and Texas Dow Employees Credit UnionTexas Dow Employees Credit Union6011 Garth Rd, Baytown, TX 77521A5.0 ★Texas Ratio: 13.90%Real return: +1.15%APY minus CPI (February 2026) offering 60 Month Certificate at 3.95% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Baytown has 267 local institutions in our database, with CD rates as high as 4.50% APY from Community Resource Credit Union at 2900 Decker Dr, Baytown, TX 77520 2076. 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 Baytown, Texas & the Surrounding Area

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Baytown 3 Month CD Rates

Texas 3 Month CD Average2.50% APYNational 2.09%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
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 14, 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%
3426 Garth Rd, Baytown, TX 77521
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 14, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
CD and over - 3 Months
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 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 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
3 Month CD to $249,999.99
$0
3.70% ▲ 1.20% above Texas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 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 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
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 14, 2026
  • Oct 2, 20263.65%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
3 Month CD
$0
3.55% ▲ 1.05% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.05% above avgNationally 2.09%
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 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
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 14, 2026
  • Oct 2, 20263.30%▲ from 3.20%
  • Sep 27, 20263.20%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
3 Month Share Certificates
$0
3.15% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.65% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 6, 2026: 3.15% APYOct 6, 2026Oct 14, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
3 Month CD
$0
3.00% ▲ 0.50% above Texas avg
View
▼
Rate2.96%
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 14, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
3 Month Traditional/Roth IRA
$0
3.00% ▲ 0.50% above Texas avg
View
▼
Rate2.96%
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 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
Share Certificates - 3 Months
$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 Oct 6, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 6, 2026: 3.00% APYOct 6, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
90 Day CD - Jumbo Term Share
$100,000
2.88% ▲ 0.38% above Texas avg
View
▼
Rate2.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.38% above avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 2.88% APY
2.38%2.88%3.38%Oct 12, 2026: 2.88% APYOct 12, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
90 Day Premium Term Share Certificate
$100
2.78% ▲ 0.28% above Texas avg
View
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.28% above avgNationally 2.09%
Details

Rate History
No change since Oct 4, 2026 · 2.78% APY · checked 3 times
2.28%2.78%3.28%Oct 4, 2026: 2.78% APYOct 4, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
Term Share CD - 90 day - PDA
$100
2.78% ▲ 0.28% above Texas avg
View
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.28% above avgNationally 2.09%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 12, 2026: 2.78% APYOct 12, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
90 Day Term Share Certificate (CD)
$100
2.27% ▼ 0.23% below Texas avg
View
▼
Rate2.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▼ 0.23% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Sep 18, 2026: 2.27% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6902 Garth Rd, Baytown, TX 77521
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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 Month Elements CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 Month IRA CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 Month Kids Club and Teens CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 Month Kids Club CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 Month Standard CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Kids Club and Teens CDs - 3 months
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Standard CDs - 3 months
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4921 Garth Rd, Baytown, TX 77521
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 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4921 Garth Rd, Baytown, TX 77521
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 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4921 Garth Rd, Baytown, TX 77521
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
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 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
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 14, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
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 14, 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 14, 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 14, 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 14, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$100,001
4.18% ▲ 1.68% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $100,001

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.18%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$250,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details

Balance tier starting at $250,001; Minimum Deposit column

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$50,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $50,001

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97%
3.47%4.05%4.63%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.13%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
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 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.10% ▲ 1.60% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
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 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 3 Months
$500
4.08% ▲ 1.58% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.58% above avgNationally 2.09%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.08%▲ from 3.72%
  • Sep 16, 20263.72%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$100,001
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.09%
Details

Balance tier starting at $100,001; Minimum Deposit column

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$1,000
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $1,000

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$50,001
4.02% ▲ 1.52% above Texas avg
View
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.52% above avgNationally 2.09%
Details

Balance tier starting at $50,001; Minimum Deposit column

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$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

No minimum deposit.

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 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.50% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$1,000
3.97% ▲ 1.47% above Texas avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.47% above avgNationally 2.09%
Details

Balance tier starting at $1,000; Minimum Deposit column

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
3.37%3.92%4.47%Sep 14, 2026: 3.87% APYSep 21, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20263.97%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
90 Day Certificate
$1,000
3.90% ▲ 1.40% above Texas avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.40% above avgNationally 2.09%
Details

Compounded:; Credited: At Maturity

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 14, 2026
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day Certificate of Deposit
$0
3.87% ▲ 1.37% above Texas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.37% above avgNationally 2.09%
Details

Rate History
1 change since Sep 24, 2026 · 3.51% → 3.87% ▲ 0.36 pts · high 3.87% / low 3.51%
3.01%3.69%4.37%Sep 24, 2026: 3.51% APYSep 28, 2026: 3.87% APYSep 24, 2026Oct 14, 2026
  • Sep 28, 20263.87%▲ from 3.51%
  • Sep 24, 20263.51%first recorded

Baytown 6 Month CD Rates

Texas 6 Month CD Average3.25% APYNational 2.77%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
6 Month CD
$0
4.10% ▲ 0.85% above Texas avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.85% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
6 Month Traditional/Roth IRA
$0
4.10% ▲ 0.85% above Texas avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.85% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
6 Month CD - Jumbo Term Share
$100,000
3.91% ▲ 0.66% above Texas avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.66% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
6 Month Share Certificates
$0
3.90% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
Details

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 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
6 Month Premium Term Share Certificate
$100
3.80% ▲ 0.55% above Texas avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
Term Share CD - 6 month - PDA
$100
3.80% ▲ 0.55% above Texas avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.77%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
CD and over - 6 Months
$0
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
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 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
6 Month IRA Certificate
$0
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
6 Month Roth IRA Certificate
$0
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
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 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
6 mos. Cert
$0
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
6 mos. IRA Cert
$0
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
Roth IRA Certificate - 6 mos. Roth IRA Cert
$0
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
Share Certificates - 6 Months
$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 2.77%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
6 Month CD to $249,999.99
$0
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details

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 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
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 2.77%
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 14, 2026
  • Oct 2, 20263.60%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
6 Month Elements CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
6 Month IRA CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
6 Month Kids Club and Teens CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
6 Month Kids Club CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
6 Month Standard CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Kids Club and Teens CDs - 6 months
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Standard CDs - 6 months
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
6 Month CD
$0
3.49% ▲ 0.24% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 0.24% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Oct 7, 2026: 3.49% APYOct 7, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
6 Month Term Share Certificate (CD)
$100
3.29% ▲ 0.04% above Texas avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.04% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
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 2.77%
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 14, 2026
  • Oct 2, 20263.20%▲ from 3.10%
  • Sep 27, 20263.10%▲ from 2.70%
  • Sep 18, 20262.70%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6902 Garth Rd, Baytown, TX 77521
6 Month CD
$500
2.25% ▼ 1.00% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 1.00% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4921 Garth Rd, Baytown, TX 77521
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.19% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.19% below avgNationally 2.77%
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 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4921 Garth Rd, Baytown, TX 77521
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.19% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.19% below avgNationally 2.77%
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 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4921 Garth Rd, Baytown, TX 77521
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.20% below Texas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.20% below avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
6 Month Certificate of Deposit
$0
0.03% ▼ 3.22% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.22% below avgNationally 2.77%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
6 Month Certificate of Deposit
$0
0.02% ▼ 3.23% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.23% below avgNationally 2.77%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
6 Month Certificate of Deposit
$0
0.01% ▼ 3.24% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.24% below avgNationally 2.77%
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 14, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6 Month Jumbo Certificate of Deposit
$0
4.54% ▲ 1.29% above Texas avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.29% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 8, 2026: 4.54% APYOct 8, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Certificate
$1,000
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details

Account 34; Interest Monthly; Min. $1,000; Requires $5,000 New Money for 4.50% APY, otherwise 4.00% APY

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 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 6 Month
$500
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details

Code 89; Int. Monthly; min. $500

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 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate - 6 Month
$0
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details

Interest paid monthly; JUMBO; account code 54

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 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificates - 6 Month
$500
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details

Int. Monthly; min. $500

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 14, 2026
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month CD Offer
$0
4.44% ▲ 1.19% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 1.19% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
3.78%4.36%4.94%Sep 14, 2026: 4.28% APYOct 3, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.44%▲ from 4.28%
  • Sep 14, 20264.28%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate
$250
4.33% ▲ 1.08% above Texas avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.08% above avgNationally 2.77%
Details

Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 14, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.08% above avgNationally 2.77%
Details

Ages: 13-17; Teens Earning And Learning certificate; current dividend 4.33% APY compounded monthly; open in local branch

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
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 2.77%
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 14, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6-Month Promo Certificate
$0
4.30% ▲ 1.05% above Texas avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details

Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date April 1, 2026. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate.

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
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 2.77%
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 14, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6 Month Certificate
$0
4.30% ▲ 1.05% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details

Certificate Rates (100,000 minimum balance)

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 14, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
6 Month Certificate of Deposit
$0
4.25% ▲ 1.00% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.77%
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 14, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Share Certificates - Term Deposit -6 Months
$5,000
4.25% ▲ 1.00% above Texas avg
View
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Share Certificate - Term Deposit -6 Months
$1,000
4.25% ▲ 1.00% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 6 Months
$500
4.24% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.99% above avgNationally 2.77%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
3.32%4.03%4.74%Sep 16, 2026: 3.82% APYOct 8, 2026: 4.24% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.24%▲ from 3.82%
  • Sep 16, 20263.82%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$250,001
4.23% ▲ 0.98% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.98% above avgNationally 2.77%
Details

Dividend rate tier starting at $250,001

Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 9, 2026: 4.23% APYOct 9, 2026Oct 14, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$100,001
4.18% ▲ 0.93% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.93% above avgNationally 2.77%
Details

Dividend rate tier starting at $100,001

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 14, 2026

Baytown 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
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
12 Month CD
$0
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

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 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
12 Month Traditional/Roth IRA
$0
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

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 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
12 Month CD - Jumbo Term Share
$100,000
4.01% ▲ 0.63% above Texas avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
12 Month IRA Certificate
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
12 Month Roth IRA Certificate
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 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 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
12 mos. Cert
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
12 mos. IRA Cert
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
Roth IRA Certificate - 12 mos. Roth IRA Cert
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
12 Month BUMP CD
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
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 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
12 Month Premium Term Share Certificate
$100
3.91% ▲ 0.53% above Texas avg
View
▼
Rate3.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details

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 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
Premium College Saver (12 Months)
$25
3.91% ▲ 0.53% above Texas avg
View
▼
Rate3.85%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Special Term Share Certificates - Jumbo Term Share Rates

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 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
Term Share CD - 12 month - PDA
$100
3.91% ▲ 0.53% above Texas avg
View
▼
Rate3.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
12 Month Share Certificates
$0
3.90% ▲ 0.52% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.52% above avgNationally 2.99%
Details

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 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
12 Month Jumbo Certificate Specials
$500,000
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.68%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Minimum deposit: May be purchased in any denomination above $500,000; Subject to early withdrawal penalty; Limited quantity

Rate History
1 change since Sep 17, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 17, 2026: 3.70% APYOct 13, 2026: 3.75% APYSep 17, 2026Oct 14, 2026
  • Oct 13, 20263.75%▲ from 3.70%
  • Sep 17, 20263.70%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
12 Month Certificate
$0
3.75% ▲ 0.37% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
12 Month IRA CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
12 Month Kids Club and Teens CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
12 Month Kids Club CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
12 Month Standard CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Kids Club and Teens CDs - 12 months
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Standard CDs - 12 months
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
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 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
Share Certificates - 12 Months
$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 Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
12 Month Jumbo Certificate Specials
$250,000
3.70% ▲ 0.32% above Texas avg
View
▼
Rate3.63%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.32% above avgNationally 2.99%
Details

Certificate term minimum $250,000; Minimum deposit: May be purchased in any denomination above $250,000. Subject to early withdrawal penalty. Limited quantity.

Rate History
No change since Sep 17, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 17, 2026: 3.70% APYSep 17, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Jumbo Certificate - 12 Months
$100,000
3.60% ▲ 0.22% above Texas avg
View
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

Minimum $100,000; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 11 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Share & IRA Certificate - 12 Months
$0
3.55% ▲ 0.17% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.17% above avgNationally 2.99%
Details

Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
12 Month Term Share Certificate (CD)
$100
3.39% ▲ 0.01% above Texas avg
View
▼
Rate3.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.39% APY · checked 4 times
2.89%3.39%3.89%Sep 18, 2026: 3.39% APYSep 18, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
College Saver (12 Months)
$25
3.39% ▲ 0.01% above Texas avg
View
▼
Rate3.35%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.01% above avgNationally 2.99%
Details

Special Term Share Certificates - Jumbo Term Share Rates

Rate History
No change since Oct 4, 2026 · 3.39% APY · checked 3 times
2.89%3.39%3.89%Oct 4, 2026: 3.39% APYOct 4, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
12 Month Certificate of Deposit
$0
3.35% ▼ 0.03% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.03% below avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.35% ▲ 0.35 pts · high 3.35% / low 3.00%
2.50%3.18%3.85%Sep 18, 2026: 3.00% APYSep 24, 2026: 3.25% APYOct 2, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.35%▲ from 3.25%
  • Sep 24, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
CD and over - 12 Months
$0
3.08% ▼ 0.30% below Texas avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.30% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.08% APY · checked 2 times
2.58%3.08%3.58%Oct 7, 2026: 3.08% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA and over - 12 Months
$0
3.08% ▼ 0.30% below Texas avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.30% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.08% APY · checked 2 times
2.58%3.08%3.58%Oct 7, 2026: 3.08% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
12 Month CD to $249,999.99
$0
2.98% ▼ 0.40% below Texas avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.40% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.98% APY · checked 2 times
2.48%2.98%3.48%Oct 7, 2026: 2.98% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA to $249,999.99 12 Months
$0
2.98% ▼ 0.40% below Texas avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.40% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.98% APY · checked 2 times
2.48%2.98%3.48%Oct 7, 2026: 2.98% APYOct 7, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
12 Month Certificate of Deposit
$0
2.90% ▼ 0.48% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.48% below avgNationally 2.99%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.55% → 2.90% ▲ 0.35 pts · high 2.90% / low 2.55%
2.05%2.72%3.40%Sep 18, 2026: 2.55% APYSep 27, 2026: 2.80% APYOct 2, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20262.90%▲ from 2.80%
  • Sep 27, 20262.80%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
12 Month Fixed IRA
$0
2.90% ▼ 0.48% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.48% below avgNationally 2.99%
Details

Rate History
No change since Oct 2, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 2, 2026: 2.90% APYOct 2, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
12 Month CD
$0
2.79% ▼ 0.59% below Texas avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.59% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.79% APY · checked 2 times
2.29%2.79%3.29%Oct 7, 2026: 2.79% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
12 Month IRA Certificate
$0
2.79% ▼ 0.59% below Texas avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.59% below avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 2.98% → 2.79% ▼ 0.19 pts · high 2.98% / low 2.79%
2.29%2.89%3.48%Sep 24, 2026: 2.98% APYOct 7, 2026: 2.79% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.79%▼ from 2.98%
  • Sep 24, 20262.98%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6902 Garth Rd, Baytown, TX 77521
1 Year CD
$500
2.00% ▼ 1.38% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.38% below avgNationally 2.99%
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 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4921 Garth Rd, Baytown, TX 77521
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.87% below Texas avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.87% below avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4921 Garth Rd, Baytown, TX 77521
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.87% below Texas avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.87% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4921 Garth Rd, Baytown, TX 77521
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.88% below Texas avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.88% below avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
12 Month Certificate of Deposit
$0
0.03% ▼ 3.35% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 3.35% below avgNationally 2.99%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
12 Month Certificate of Deposit
$0
0.02% ▼ 3.36% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 3.36% below avgNationally 2.99%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
12 Month Certificate of Deposit
$0
0.01% ▼ 3.37% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 3.37% below avgNationally 2.99%
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 14, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
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 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1 Year Certificate
$0
5.00% ▲ 1.62% above Texas avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 1.62% above avgNationally 2.99%
Details

Share Certificate Special; (must have Checking)

Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 30, 2026: 5.00% APYSep 30, 2026Oct 14, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
12 Month Jumbo Certificate of Deposit
$0
4.70% ▲ 1.32% above Texas avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.32% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 8, 2026: 4.70% APYOct 8, 2026Oct 14, 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12 Month Certificate
$0
4.65% ▲ 1.27% above Texas avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.27% above avgNationally 2.99%
Details

Certificate Rates (100,000 minimum balance)

Rate History
No change since Sep 17, 2026 · 4.65% APY · checked 3 times
4.15%4.65%5.15%Sep 17, 2026: 4.65% APYSep 17, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60% ▲ 1.22% above Texas avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.22% above avgNationally 2.99%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
12 Month Certificate
$1,000
4.52% ▲ 1.14% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.52% APY · checked 2 times
4.02%4.52%5.02%Oct 8, 2026: 4.52% APYOct 8, 2026Oct 14, 2026
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
12-Month IRA CD Account
$1,000
4.50% ▲ 1.12% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.12% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded

Baytown 18 Month CD Rates

Texas 18 Month CD Average3.27% APYNational 2.88%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$0
4.50% ▲ 1.23% above Texas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month Traditional/Roth IRA
$0
4.50% ▲ 1.23% above Texas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
18 Month CD - Jumbo Term Share
$100,000
3.91% ▲ 0.64% above Texas avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
18 Month Share Certificates
$0
3.90% ▲ 0.63% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.63% above avgNationally 2.88%
Details

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 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
18 Month Premium Term Share Certificate
$100
3.80% ▲ 0.53% above Texas avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
Term Share CD - 18 month - PDA
$100
3.80% ▲ 0.53% above Texas avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.53% above avgNationally 2.88%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
18 Month IRA Certificate
$0
3.75% ▲ 0.48% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
18 Month Roth IRA Certificate
$0
3.75% ▲ 0.48% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
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 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
18 mos. Cert
$0
3.75% ▲ 0.48% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
18 mos. IRA Cert
$0
3.75% ▲ 0.48% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
Roth IRA Certificate - 18 mos. Roth IRA Cert
$0
3.75% ▲ 0.48% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
Share Certificates - 18 Months
$0
3.75% ▲ 0.48% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
18 Month Certificate
$0
3.65% ▲ 0.38% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details

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 9, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
18 Month Elements CD
$0
3.65% ▲ 0.38% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
18 Month IRA CD
$0
3.65% ▲ 0.38% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
18 Month Kids Club and Teens CD
$0
3.65% ▲ 0.38% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details

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% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
18 Month Kids Club CD
$0
3.65% ▲ 0.38% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details

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% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
18 Month Standard CD
$0
3.65% ▲ 0.38% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details

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% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Kids Club and Teens CDs - 18 months
$0
3.65% ▲ 0.38% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details

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% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Standard CDs - 18 months
$0
3.65% ▲ 0.38% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details

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 9, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Jumbo Certificate - 18 Months
$100,000
3.55% ▲ 0.28% above Texas avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.28% above avgNationally 2.88%
Details

Minimum $100,000; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Share & IRA Certificate - 18 Month
$0
3.50% ▲ 0.23% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.88%
Details

Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
18 Month Term Share Certificate (CD)
$100
3.29% ▲ 0.02% above Texas avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.02% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
CD and over - 18 Months
$0
2.52% ▼ 0.75% below Texas avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▼ 0.75% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA and over - 18 Months
$0
2.52% ▼ 0.75% below Texas avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▼ 0.75% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
18 Month CD to $249,999.99
$0
2.27% ▼ 1.00% below Texas avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▼ 1.00% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 7, 2026: 2.27% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA to $249,999.99 18 Months
$0
2.27% ▼ 1.00% below Texas avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▼ 1.00% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 7, 2026: 2.27% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
18 Month CD
$0
2.02% ▼ 1.25% below Texas avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▼ 1.25% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 7, 2026: 2.02% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
18 Month IRA Certificate
$0
2.01% ▼ 1.26% below Texas avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▼ 1.26% below avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 2.27% → 2.01% ▼ 0.26 pts · high 2.27% / low 2.01%
1.51%2.14%2.77%Sep 24, 2026: 2.27% APYOct 7, 2026: 2.01% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.01%▼ from 2.27%
  • Sep 24, 20262.27%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
18 Month Variable IRA
$0
0.90% ▼ 2.37% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 2.37% below avgNationally 2.88%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
18 Month Certificate of Deposit
$0
0.03% ▼ 3.24% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.24% below avgNationally 2.88%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
18 Month Certificate of Deposit
$0
0.02% ▼ 3.25% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.25% below avgNationally 2.88%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
18 Month Certificate of Deposit
$0
0.01% ▼ 3.26% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.26% below avgNationally 2.88%
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 14, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 - 18 Month Super Flex Term CD Special
$0
4.65% ▲ 1.38% above Texas avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.38% above avgNationally 2.88%
Details

Specials

Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 9, 2026: 4.65% APYOct 9, 2026Oct 14, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.40% ▲ 1.13% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 1.13% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35% ▲ 1.08% above Texas avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
3.15%4.05%4.95%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month Share Certificates
$1,000
4.35% ▲ 1.08% above Texas avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.35% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month CD
$500
4.35% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 18 Months
$500
4.33% ▲ 1.06% above Texas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 1.06% above avgNationally 2.88%
Details

Dividends Credited/Compounded: Monthly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CDs
$0
4.30% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 1.03% 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 14, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Super Jumbo Certificate
$225,000
4.27% ▲ 1.00% above Texas avg
View
▼
Rate4.20%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 1.00% 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 14, 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%
18 Month Star Certificates of Deposit (CDs)
$0
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
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 14, 2026
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Bump-Up CD; Available for a limited time only!; Increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.25% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month Jumbo CD
$50,000
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 14, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificate of Deposit - 18 Months
$50,000
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Jumbo ($50K plus)

Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.25% ▲ 0.95 pts · high 4.25% / low 3.30%
2.35%3.78%5.20%Sep 14, 2026: 3.30% APYSep 22, 2026: 4.15% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 4.15%
  • Sep 22, 20264.15%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20% ▲ 0.93% above Texas avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.93% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Jumbo Certificate
$95,000
4.16% ▲ 0.89% above Texas avg
View
▼
Rate4.10%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.89% 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 14, 2026

Baytown 24 Month CD Rates

Texas 24 Month CD Average3.22% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month CD
$0
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month Traditional/Roth IRA
$0
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month BUMP CD
$0
4.00% ▲ 0.78% above Texas avg
View
▼
Rate3.92%
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 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 14, 2026: 3.55% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.00%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
24 Month Share Certificates
$0
3.90% ▲ 0.68% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.88%
Details

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 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
Share Certificates - 24 Months
$0
3.75% ▲ 0.53% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
2 Year CD - Jumbo Term Share
$100,000
3.65% ▲ 0.43% above Texas avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
2 Year Premium Term Share Certificate
$100
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
Term Share CD - 2 year - PDA
$100
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.88%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Jumbo Certificate - 24 Months
$100,000
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.88%
Details

Minimum $100,000; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
24 Month IRA Certificate
$0
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
24 Month Roth IRA Certificate
$0
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
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 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
24 mos. Cert
$0
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
24 mos. IRA Cert
$0
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
Roth IRA Certificate - 24 mos. Roth IRA Cert
$0
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Share & IRA Certificate - 24 Months
$0
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
24 Month Elements CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
24 Month IRA CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
24 Month Kids Club and Teens CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
24 Month Kids Club CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
24 Month Standard CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Kids Club and Teens CDs - 24 months
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Standard CDs - 24 months
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
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 14, 2026
  • Oct 2, 20263.10%▲ from 3.00%
  • Sep 24, 20263.00%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
2 Year Term Share Certificate (CD)
$100
3.03% ▼ 0.19% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▼ 0.19% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
24 Month Certificate of Deposit
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40%
1.90%2.50%3.10%Sep 18, 2026: 2.40% APYSep 27, 2026: 2.50% APYOct 2, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20262.60%▲ from 2.50%
  • Sep 27, 20262.50%▲ from 2.40%
  • Sep 18, 20262.40%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3426 Garth Rd, Baytown, TX 77521
24 Month Fixed IRA
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 2, 2026: 2.60% APYOct 2, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6902 Garth Rd, Baytown, TX 77521
2 Year CD
$500
2.25% ▼ 0.97% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.97% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
CD and over - 24 Months
$0
0.90% ▼ 2.32% below Texas avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▼ 2.32% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Oct 7, 2026: 0.90% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA and over - 24 Months
$0
0.90% ▼ 2.32% below Texas avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▼ 2.32% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Oct 7, 2026: 0.90% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
24 Month CD to $249,999.99
$0
0.80% ▼ 2.42% below Texas avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▼ 2.42% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 7, 2026: 0.80% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA to $249,999.99 24 Months
$0
0.80% ▼ 2.42% below Texas avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▼ 2.42% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 7, 2026: 0.80% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
24 Month CD
$0
0.55% ▼ 2.67% below Texas avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▼ 2.67% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 7, 2026: 0.55% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
24 Month IRA Certificate
$0
0.55% ▼ 2.67% below Texas avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▼ 2.67% below avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 0.80% → 0.55% ▼ 0.25 pts · high 0.80% / low 0.55%
0.05%0.68%1.30%Sep 24, 2026: 0.80% APYOct 7, 2026: 0.55% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20260.55%▼ from 0.80%
  • Sep 24, 20260.80%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
24 Month Certificate of Deposit
$0
0.03% ▼ 3.19% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.19% below avgNationally 2.88%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
24 Month Certificate of Deposit
$0
0.02% ▼ 3.20% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.20% below avgNationally 2.88%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
24 Month Certificate of Deposit
$0
0.01% ▼ 3.21% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.21% below avgNationally 2.88%
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 14, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
24 Month Jumbo Certificate of Deposit
$0
4.86% ▲ 1.64% above Texas avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.64% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.86% APY · checked 2 times
4.36%4.86%5.36%Oct 8, 2026: 4.86% APYOct 8, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81% ▲ 1.59% above Texas avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.59% above avgNationally 2.88%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificate
$0
4.75% ▲ 1.53% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.53% above avgNationally 2.88%
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55% ▲ 1.33% above Texas avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.33% above avgNationally 2.88%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
3.58%4.31%5.05%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.55% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.55%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate
$90,000
4.44% ▲ 1.22% above Texas avg
View
▼
Rate4.35%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.88%
Details

Jumbo/Min. $90,000

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 14, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 Month Share Certificates
$1,000
4.40% ▲ 1.18% above Texas avg
View
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month CD
$500
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35% ▲ 1.13% above Texas avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 1.13% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Karnes County National Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.99%
Jumbo CD - 2 Year
$0
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.33% ▲ 1.08 pts · high 4.33% / low 3.25%
2.17%3.79%5.41%Sep 14, 2026: 3.25% APYOct 7, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.33%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate
$25,000
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.88%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 8, 2026: 4.33% APYOct 8, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
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 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
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 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
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 14, 2026

Baytown 36 Month CD Rates

Texas 36 Month CD Average3.14% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
36 Month CD
$0
4.25% ▲ 1.11% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
36 Month Traditional/Roth IRA
$0
4.25% ▲ 1.11% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
36 Month Share Certificates
$0
3.90% ▲ 0.76% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.76% above avgNationally 2.81%
Details

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 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
Share Certificates - 36 Months
$0
3.75% ▲ 0.61% above Texas avg
View
▼
RateN/A
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 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
36 Month Elements CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
36 Month IRA CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
36 Month Kids Club and Teens CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
36 Month Kids Club CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
36 Month Standard CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Kids Club and Teens CDs - 36 months
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Standard CDs - 36 months
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Jumbo Certificate - 36 Months
$100,000
3.55% ▲ 0.41% above Texas avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.41% above avgNationally 2.81%
Details

Minimum $100,000; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
36 Month IRA Certificate
$0
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
36 Month Roth IRA Certificate
$0
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
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 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
36 mos. Cert
$0
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
36 mos. IRA Cert
$0
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
Roth IRA Certificate - 36 mos. Roth IRA Cert
$0
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Share & IRA Certificate - 36 Months
$0
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
Term Share CD - 3 year - PDA
$100
3.29% ▲ 0.15% above Texas avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.15% above avgNationally 2.81%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 12, 2026: 3.29% APYOct 12, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
3 Year Term Share Certificate (CD)
$100
2.78% ▼ 0.36% below Texas avg
View
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▼ 0.36% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6902 Garth Rd, Baytown, TX 77521
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 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
CD and over - 36 Months
$0
1.10% ▼ 2.04% below Texas avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.04% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 7, 2026: 1.10% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA and over - 36 Months
$0
1.10% ▼ 2.04% below Texas avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.04% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 7, 2026: 1.10% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
36 Month CD to $249,999.99
$0
0.85% ▼ 2.29% below Texas avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.29% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 7, 2026: 0.85% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA to $249,999.99 36 Months
$0
0.85% ▼ 2.29% below Texas avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.29% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 7, 2026: 0.85% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
36 Month CD
$0
0.60% ▼ 2.54% below Texas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.54% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 7, 2026: 0.60% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
36 Month IRA Certificate
$0
0.60% ▼ 2.54% below Texas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.54% below avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 0.85% → 0.60% ▼ 0.25 pts · high 0.85% / low 0.60%
0.10%0.73%1.35%Sep 24, 2026: 0.85% APYOct 7, 2026: 0.60% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20260.60%▼ from 0.85%
  • Sep 24, 20260.85%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
36 Month Certificate of Deposit
$0
0.01% ▼ 3.13% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.13% below avgNationally 2.81%
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 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36-Month IRA
$0
5.02% ▲ 1.88% above Texas avg
View
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.88% above avgNationally 2.81%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
No change since Oct 12, 2026 · 5.02% APY
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 14, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Month Jumbo Certificate of Deposit
$0
4.96% ▲ 1.82% above Texas avg
View
▼
Rate4.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.82% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.96% APY · checked 2 times
4.46%4.96%5.46%Oct 8, 2026: 4.96% APYOct 8, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 36 Months
$500
4.71% ▲ 1.57% above Texas avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.57% above avgNationally 2.81%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
3.55%4.42%5.29%Sep 16, 2026: 4.13% APYOct 8, 2026: 4.71% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.71%▲ from 4.13%
  • Sep 16, 20264.13%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
36 Month Certificate
$1,000
4.50% ▲ 1.36% above Texas avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 25, 2026: 4.20% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.50%▲ from 4.20%
  • Sep 25, 20264.20%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Year Business CD
$5,000
4.50% ▲ 1.36% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details

Balance: $5,000.00 - $99,999.99

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 14, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$90,000
4.49% ▲ 1.35% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.35% above avgNationally 2.81%
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 14, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month IRA Share CD
$0
4.41% ▲ 1.27% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.81%
Details

IRA

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
3.42%4.17%4.91%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.41% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.41%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Jumbo Share CD
$0
4.41% ▲ 1.27% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.81%
Details

Balance: $95,000+; Jumbo ($95K+)

Rate History
1 change since Sep 22, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
3.42%4.17%4.91%Sep 22, 2026: 3.92% APYOct 10, 2026: 4.41% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.41%▲ from 3.92%
  • Sep 22, 20263.92%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40% ▲ 1.26% above Texas avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.26% above avgNationally 2.81%
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 14, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$25,000
4.39% ▲ 1.25% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.25% above avgNationally 2.81%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 14, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Junior Jumbo Share CD
$0
4.35% ▲ 1.21% above Texas avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.81%
Details

Junior Jumbo ($50K - $95K)

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.35% ▲ 0.48 pts · high 4.35% / low 3.87%
3.37%4.11%4.85%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.35% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
36 Month Jumbo CD
$50,000
4.35% ▲ 1.21% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.81%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 14, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
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 14, 2026
  • Oct 4, 20264.32%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA
$0
4.31% ▲ 1.17% above Texas avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.17% above avgNationally 2.81%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
3.40%4.10%4.81%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.31% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.31%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
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 14, 2026
Citizens State Bank Sealy, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
4.30% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Annual Percentage Yield. The stated APY is accurate as of 9/21/2026. Penalties may apply. Fees may reduce earnings.

Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 28, 2026: 4.30% APYSep 28, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30% ▲ 1.16% above Texas avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Share CD
$0
4.30% ▲ 1.16% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.30% ▲ 0.48 pts · high 4.30% / low 3.82%
3.32%4.06%4.80%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.30%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$1,000
4.28% ▲ 1.14% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.14% above avgNationally 2.81%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 8, 2026: 4.28% APYOct 8, 2026Oct 14, 2026

Baytown 48 Month CD Rates

Texas 48 Month CD Average3.04% APYNational 2.80%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
48 Month CD
$0
4.25% ▲ 1.21% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
48 Month Share Certificates
$0
3.90% ▲ 0.86% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.86% above avgNationally 2.80%
Details

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 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
Share Certificates - 48 Months
$0
3.75% ▲ 0.71% above Texas avg
View
▼
RateN/A
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 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
48 Month Elements CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
48 Month IRA CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
48 Month Kids Club and Teens CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYSep 18, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
48 Month Kids Club CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYSep 18, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
48 Month Standard CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYSep 18, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Kids Club and Teens CDs - 48 months
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYSep 18, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Standard CDs - 48 months
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Jumbo Certificate - 48 Months
$100,000
3.55% ▲ 0.51% above Texas avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.80%
Details

Minimum $100,000; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
48 Month IRA Certificate
$0
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
48 Month Roth IRA Certificate
$0
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
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 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
48 mos. Cert
$0
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
48 mos. IRA Cert
$0
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
Roth IRA Certificate - 48 mos. Roth IRA Cert
$0
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Share & IRA Certificate - 48 Months
$0
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
4 Year Premium Term Share Certificate
$100
3.03% ▼ 0.01% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▼ 0.01% below avgNationally 2.80%
Details

Rate History
No change since Oct 4, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 4, 2026: 3.03% APYOct 4, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
Term Share CD - 4 year - PDA
$100
3.03% ▼ 0.01% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▼ 0.01% below avgNationally 2.80%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 12, 2026: 3.03% APYOct 12, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
4 Year Term Share Certificate (CD)
$100
2.52% ▼ 0.52% below Texas avg
View
▼
Rate2.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▼ 0.52% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.52% APY · checked 4 times
2.02%2.52%3.02%Sep 18, 2026: 2.52% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6902 Garth Rd, Baytown, TX 77521
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 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
CD and over - 48 Months
$0
1.10% ▼ 1.94% below Texas avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▼ 1.94% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 7, 2026: 1.10% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
48 Month CD to $249,999.99
$0
0.85% ▼ 2.19% below Texas avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▼ 2.19% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 7, 2026: 0.85% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
48 Month CD
$0
0.60% ▼ 2.44% below Texas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▼ 2.44% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 7, 2026: 0.60% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
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 14, 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 14, 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 14, 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 14, 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 14, 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 14, 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 14, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$25,000
4.39% ▲ 1.35% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.35% above avgNationally 2.80%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 14, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
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 14, 2026
  • Oct 4, 20264.37%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.36% ▲ 1.32% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.80%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
3.46%4.16%4.86%Sep 18, 2026: 3.96% APYOct 2, 2026: 4.36% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.36%▲ from 3.96%
  • Sep 18, 20263.96%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.36% ▲ 1.32% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 18, 2026: 4.01% APYOct 1, 2026: 4.36% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.36%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 Month Jumbo CD
$50,000
4.35% ▲ 1.31% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.31% above avgNationally 2.80%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30% ▲ 1.26% above Texas avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ 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
4.30% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details

Balance: $5,000.00 - $99,999.99

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 14, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$1,000
4.28% ▲ 1.24% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.80%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 8, 2026: 4.28% APYOct 8, 2026Oct 14, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Jumbo or IRA CD
$25,000
4.28% ▲ 1.24% above Texas avg
View
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYOct 13, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
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 14, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.26% ▲ 1.22% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.80%
Details

Balance: $50,000 - $98,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
3.35%4.06%4.76%Sep 18, 2026: 3.85% APYOct 2, 2026: 4.26% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.26%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 4 years
$0
4.26% ▲ 1.22% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
3.41%4.09%4.76%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.26% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.26%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.21% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details

Interest Frequency: Semi

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 14, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
48 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.21% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 Month Standard CDs
$1,000
4.25% ▲ 1.21% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 18, 2026: 3.75% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.25%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.22% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.18% above avgNationally 2.80%
Details

Rate History
3 changes since Sep 14, 2026 · 3.87% → 4.22% ▲ 0.35 pts · high 4.22% / low 3.87%
3.37%4.05%4.72%Sep 14, 2026: 3.87% APYSep 18, 2026: 4.02% APYSep 25, 2026: 4.07% APYOct 13, 2026: 4.22% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.22%▲ from 4.07%
  • Sep 25, 20264.07%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded

Baytown 60 Month CD Rates

Texas 60 Month CD Average3.10% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
60 Month CD
$0
4.25% ▲ 1.15% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
60 Month Traditional/Roth IRA
$0
4.25% ▲ 1.15% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
60 Month Certificate
$0
3.95% ▲ 0.85% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
60 Month Elements CD
$0
3.95% ▲ 0.85% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
60 Month IRA CD
$0
3.95% ▲ 0.85% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
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 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
60 Month Kids Club and Teens CD
$0
3.95% ▲ 0.85% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYSep 18, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
60 Month Kids Club CD
$0
3.95% ▲ 0.85% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYSep 18, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
60 Month Standard CD
$0
3.95% ▲ 0.85% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYSep 18, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Kids Club and Teens CDs - 60 months
$0
3.95% ▲ 0.85% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYSep 18, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
Standard CDs - 60 months
$0
3.95% ▲ 0.85% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
60 Month Share Certificates
$0
3.90% ▲ 0.80% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details

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 14, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
7235 John Martin Road, Baytown, TX 77521
Share Certificates - 60 Months
$0
3.75% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.65% above avgNationally 2.91%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Jumbo Certificate - 60 Months
$100,000
3.55% ▲ 0.45% above Texas avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.45% above avgNationally 2.91%
Details

Minimum $100,000; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
60 Month IRA Certificate
$0
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
60 Month Roth IRA Certificate
$0
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
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 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
60 mos. Cert
$0
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
60 mos. IRA Cert
$0
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2812 N Alexander Dr, Baytown, TX 77520
Roth IRA Certificate - 60 mos. Roth IRA Cert
$0
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
Share & IRA Certificate - 60 Months
$0
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Minimum deposit: may be purchased in any denomination above $100; Subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
5 Year Premium Term Share Certificate
$100
3.03% ▼ 0.07% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▼ 0.07% below avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 4, 2026: 3.03% APYOct 4, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
Term Share CD - 5 year - PDA
$100
3.03% ▼ 0.07% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▼ 0.07% below avgNationally 2.91%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 12, 2026: 3.03% APYOct 12, 2026Oct 14, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6360 Garth Rd Ste 140, Baytown, TX 77521 5105
5 Year Term Share Certificate (CD)
$100
2.52% ▼ 0.58% below Texas avg
View
▼
Rate2.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▼ 0.58% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 2.52% APY · checked 4 times
2.02%2.52%3.02%Sep 18, 2026: 2.52% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 - 60 Month Elements CDs
$100
1.75% ▼ 1.35% below Texas avg
View
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details

Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 - 60 Month IRA CDs
$1,000
1.75% ▼ 1.35% below Texas avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details

Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 - 60 Month Kids Club and Teens CDs
$100
1.75% ▼ 1.35% below Texas avg
View
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details

Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 - 60 Month Kids Club CDs
$100
1.75% ▼ 1.35% below Texas avg
View
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details

Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
6011 Garth Rd, Baytown, TX 77521
3 - 60 Month Standard CDs
$1,000
1.75% ▼ 1.35% below Texas avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details

Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
CD and over - 60 Months
$0
1.26% ▼ 1.84% below Texas avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▼ 1.84% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Oct 7, 2026: 1.26% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA and over - 60 Months
$0
1.26% ▼ 1.84% below Texas avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▼ 1.84% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Oct 7, 2026: 1.26% APYOct 7, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6902 Garth Rd, Baytown, TX 77521
5 Year CD
$500
1.25% ▼ 1.85% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 1.85% below avgNationally 2.91%
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 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
60 Month CD to $249,999.99
$0
1.00% ▼ 2.10% below Texas avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▼ 2.10% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
IRA to $249,999.99 60 Months
$0
1.00% ▼ 2.10% below Texas avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▼ 2.10% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
60 Month CD
$0
0.75% ▼ 2.35% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▼ 2.35% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 7, 2026: 0.75% APYOct 7, 2026Oct 14, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3719 Garth Rd, Baytown, TX 77521
60 Month IRA Certificate
$0
0.75% ▼ 2.35% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▼ 2.35% below avgNationally 2.91%
Details

Rate History
1 change since Sep 24, 2026 · 1.00% → 0.75% ▼ 0.25 pts · high 1.00% / low 0.75%
0.25%0.88%1.50%Sep 24, 2026: 1.00% APYOct 7, 2026: 0.75% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20260.75%▼ from 1.00%
  • Sep 24, 20261.00%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
60 Month Certificate of Deposit
$0
0.03% ▼ 3.07% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 3.07% below avgNationally 2.91%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
60 Month Certificate of Deposit
$0
0.02% ▼ 3.08% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 3.08% below avgNationally 2.91%
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 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4868 Garth Rd, Baytown, TX 77521
60 Month Certificate of Deposit
$0
0.01% ▼ 3.09% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 3.09% below avgNationally 2.91%
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 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 1.77% above Texas avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.77% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.76% ▲ 1.66% above Texas avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.66% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
3.89%4.57%5.26%Sep 18, 2026: 4.39% APYOct 1, 2026: 4.76% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.76%▲ from 4.39%
  • Sep 18, 20264.39%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.70% ▲ 1.60% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.60% above avgNationally 2.91%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 5 years
$0
4.66% ▲ 1.56% above Texas avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.56% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
3.78%4.47%5.16%Sep 18, 2026: 4.28% APYOct 1, 2026: 4.66% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.66%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.60% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.50% above avgNationally 2.91%
Details

Balance: $250,000.00 - $999,999.99

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 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.50% ▲ 1.40% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details

Balance: $100,000.00 - $249,999.99

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 14, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Callable CD 60 Months
$0
4.50% ▲ 1.40% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 14, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month IRA Share CD
$0
4.50% ▲ 1.40% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details

IRA

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
3.52%4.26%5.00%Sep 14, 2026: 4.02% APYOct 10, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.50%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Jumbo Share CD
$0
4.50% ▲ 1.40% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details

Balance: $95,000+; Jumbo ($95K+)

Rate History
1 change since Sep 22, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
3.52%4.26%5.00%Sep 22, 2026: 4.02% APYOct 10, 2026: 4.50% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.50%▲ from 4.02%
  • Sep 22, 20264.02%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate
$90,000
4.49% ▲ 1.39% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.39% above avgNationally 2.91%
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 14, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Junior Jumbo Share CD
$0
4.45% ▲ 1.35% above Texas avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.35% above avgNationally 2.91%
Details

Junior Jumbo ($50K - $95K)

Rate History
1 change since Sep 22, 2026 · 3.97% → 4.45% ▲ 0.48 pts · high 4.45% / low 3.97%
3.47%4.21%4.95%Sep 22, 2026: 3.97% APYOct 10, 2026: 4.45% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.45%▲ from 3.97%
  • Sep 22, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Super Jumbo Certificate
$225,000
4.42% ▲ 1.32% above Texas avg
View
▼
Rate4.35%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.32% above avgNationally 2.91%
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 14, 2026
  • Oct 4, 20264.42%▲ from 4.27%
  • Sep 14, 20264.27%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.40% ▲ 1.30% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 1.30% above avgNationally 2.91%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89%
3.38%4.15%4.91%Sep 18, 2026: 3.89% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.40%▲ from 3.89%
  • Sep 18, 20263.89%first recorded
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 Baytown, Texas Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Frost Bank
90 Day Certificate of Deposit
A+ 5.0 ★ TX: 2.51%
Min: $0
4.00%
Capital Bank TX
CD and over - 3 Months
A+ 5.0 ★ TX: 0.07%
Min: $0
3.80%
Woodforest National Bank
2 Year CD
A- 5.0 ★ TX: 14.96%
Min: $500
2.25%
Wells Fargo
1 year Standard Fixed Rate
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
PNC Bank
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 4.24%
Min: $0
0.03%
CU Top 5 Credit Union Rates
Community Resource Credit Union
18 Month CD
A+ 5.0 ★ TX: 3.13%
Min: $0
4.50%
Gulf Coast Educators Federal Credit Union
12 Month CD - Jumbo Term Share
A+ 5.0 ★ TX: 3.85%
Min: $100,000
4.01%
Beacon Federal Credit Union
12 Month IRA Certificate
A+ 5.0 ★ TX: 2.19%
Min: $0
4.00%
Texas Dow Employees Credit Union
60 Month Certificate
A 5.0 ★ TX: 13.90%
Min: $0
3.95%
SHELL
12 Month Share Certificates
A+ 5.0 ★ TX: 3.83%
Min: $0
3.90%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Baytown, TX CD Rate Trends

Compare local Baytown, 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
3.382%
▲ 0.016 vs 7 days ago

Texas 12-month CD rates rose 0.016 points over the past 7 days to 3.382% APY.

6-Month CD TX Avg
3.253%
▲ 0.021 vs 7 days ago

Texas 6-month CD rates rose 0.021 points over the past 7 days to 3.253% APY.

As of Oct 14, 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
3.382%
6-Month Forecast
3.382%
Range: 3.18%, 3.53%
12-Month Forecast
3.632%
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 0.99% 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 2.495% $124.77 $249.53 $623.82 $1,247.65
6-Month CD 3.253% $162.67 $325.34 $813.35 $1,626.70
12-Month CD 3.382% $169.10 $338.20 $845.50 $1,691.00
18-Month CD 3.268% $163.42 $326.83 $817.07 $1,634.15
24-Month CD 3.221% $161.05 $322.11 $805.27 $1,610.55
36-Month CD 3.141% $157.02 $314.05 $785.12 $1,570.25
48-Month CD 3.038% $151.91 $303.82 $759.55 $1,519.10
60-Month CD 3.097% $154.83 $309.66 $774.15 $1,548.30
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 Baytown, 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 2.495% $124.77
2 6-Month CD $5,000 3.253% $162.67
3 12-Month CD $5,000 3.382% $169.10
4 24-Month CD $5,000 3.221% $161.05
5 36-Month CD $5,000 3.141% $157.02
Total ($25,000 invested) $25,000 3.098% blended $774.61/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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3,533
CD Rates
Tracked in Baytown, Texas
41 Banks 87 Credit Unions

About Our Baytown, Texas CD Rate Database

MonitorBankRates tracks 3,533 CD rates from 41 banks and 87 credit unions with locations in Baytown, 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: Community Resource Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Baytown, Texas.

How to Find the Best CD Rates in Baytown, Texas

What to compare when shopping for a CD in Baytown, Texas

To find the best APYs in Baytown, Texas, start with credit unions and online-only banks: Baytown, Texas has 87 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 Baytown, 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 Baytown, Texas: 128 institutions here report CD rates

Consider an Alternative If…

Baytown, Texas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
11.7%
National avg: 17.3%
Median Individual Earnings
$38,423
National avg: $47,340
Poverty Rate
18.2%
National avg: 11.1%
Unemployment Rate
10.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$130/yr
At TX 12-mo avg 3.382% APY

11.7% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 10.2% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s TX 12-month CD average of 3.382%, saving 10% of the local median salary ($3,842/year) and putting it in a CD would earn an additional $130 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 Baytown, 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 Baytown, 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 Baytown, 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 Baytown, Texas as everywhere in the U.S.

Choosing a CD Term in Baytown, 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 Baytown, Texas savers easier access to their funds. For example, Community Resource Credit Union is offering its 6 Month CD at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Community Resource Credit Union is offering its 60 Month CD at 4.25% 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 Baytown, 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 Baytown, 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 Baytown, 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 Baytown, 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 Baytown, Texas

Most CDs carry a fixed rate that is locked for the entire term, protecting a Baytown, 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 Baytown, Texas

Are CD rates in Baytown, Texas FDIC insured?

Yes, most established banks in Baytown, 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 Baytown, 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 Baytown, 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 Baytown, 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 Baytown, Texas?

Here are recent top rates found for this area:
  • Community Resource Credit Union: 4.50% APY (18 Month CD)
  • Gulf Coast Educators Federal Credit Union: 4.01% APY (12 Month CD - Jumbo Term Share)
  • Frost Bank: 4.00% APY (90 Day Certificate of Deposit)
  • Beacon Federal Credit Union: 4.00% APY (12 Month IRA Certificate)
  • Texas Dow Employees Credit Union: 3.95% APY (60 Month Certificate)
  • SHELL: 3.90% APY (12 Month Share Certificates)
  • Capital Bank TX: 3.80% APY (CD and over - 3 Months)
  • Bayer Heritage Federal Credit Union: 3.75% APY (12 Month Jumbo Certificate Specials)
  • Woodforest National Bank: 2.25% APY (2 Year CD)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
Rates reflect recent verified offers available in Baytown, Texas. Last Updated: October 13, 2026

Baytown, 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 Baytown, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
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 Baytown, 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 Baytown, Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Baytown, Texas

Baytown, Texas CD Calculator

At today’s TX top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Baytown, Texas CD Ladder

TX CD rates currently range from 2.495% (3-month) to 3.141% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Baytown, Texas CD at 4.50% 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 3.382% 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 Baytown, 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 Baytown, 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 Baytown, 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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