Brownsville, Texas Best CD Rates November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Brownsville, Texas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of November 15, 2026. Current Brownsville, Texas CD rates include Security First Federal Credit UnionSecurity First Federal Credit Union2455 E PRICE RD, Brownsville, TX 78521A5.0 ★Texas Ratio: 8.12%Real return: +0.55%APY minus CPIRate verified Nov 12, 2026 offering 12 Month IRA Share Certificate at 4.25% APY, Rally Credit UnionRally Credit Union255 W Morrison Rd, Brownsville, TX 78520 8889A+5.0 ★Texas Ratio: 4.20%Real return: +0.40%APY minus CPIRate verified Nov 15, 2026 offering 1 Year CD at 4.10% APY, Frost BankFrost Bank5480 Paredes Line Rd, Brownsville, TX 78526A+5.0 ★Texas Ratio: 2.51%Real return: +0.10%APY minus CPIRate verified Nov 11, 2026 offering 90 Day Jumbo CD at 3.80% APY, Valley Federal Credit UnionValley Federal Credit Union183 E Price Rd, Brownsville, TX 78521A+5.0 ★Texas Ratio: 2.13%Real return: -0.05%APY minus CPIRate verified Nov 12, 2026 offering 18 Month IRA Certificates at 3.65% APY, and PlainsCapital BankPlainsCapital Bank25 E Price Rd, Brownsville, TX 78521A+5.0 ★Texas Ratio: 4.03%Real return: -0.51%APY minus CPIRate verified Nov 11, 2026 offering Individual Retirement Account - 1 Year at 3.19% APY. CD rates as of November 15, 2026 according to verified data from MonitorBankRates.
Brownsville has 187 local institutions in our database, with CD rates as high as 4.25% APY from Security First Federal Credit Union at 2455 E PRICE RD, Brownsville, TX 78521. 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: November 15, 2026
Compare Best CD Rates in Brownsville, Texas & the Surrounding Area
Brownsville 3 Month CD Rates
Visit a Frost financial center for CDs of $500,000 and over; APY effective as of 11/10/2026; interest rate and APY may change at any time at Frost's discretion; fees could reduce earnings
- Nov 11, 20263.80%▼ from 3.90%
- Nov 5, 20263.90%▼ from 4.00%
- Oct 14, 20264.00%first recorded
Balance: $500,000 and over; Promotional rate for new CDs opened during the promotion; CDs opened prior to 5/1/2023 that are up for renewal are not eligible
- Nov 11, 20263.80%▼ from 4.00%
- Oct 26, 20264.00%first recorded
Balance: $500,000 and over; $500,000+ tier; source shows 3.80%* (asterisk footnote not reproduced)
- Nov 11, 20263.80%▲ from 3.70%
- Nov 5, 20263.70%first recorded
Balance: $500,000.00 and over; $500,000+ tier; Visit a Frost financial center for CDs of $500,000 and over
- Nov 11, 20263.80%▼ from 3.90%
- Nov 5, 20263.90%first recorded
- Oct 10, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Featured rate shown on page for 3-month term; see disclosures
Balance: $100,000 and over
- Nov 11, 20263.60%▼ from 3.70%
- Oct 26, 20263.70%first recorded
Balance: $100,000.00 and over
- Nov 11, 20263.60%▼ from 3.70%
- Nov 5, 20263.70%first recorded
Balance: $1,000 to $99,999.99
- Nov 11, 20263.25%▼ from 3.35%
- Oct 26, 20263.35%first recorded
Balance: $1,000.00 - $99,999.99
- Nov 11, 20263.25%▼ from 3.35%
- Nov 5, 20263.35%first recorded
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $1,000.00 and above
Balance: $1.00 - $999.99
Brownsville 6 Month CD Rates
- Oct 10, 20263.85%▲ from 3.60%
- Sep 14, 20263.60%first recorded
- Oct 10, 20263.85%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Balance: $100,000 and over
- Nov 11, 20263.50%▼ from 3.60%
- Oct 26, 20263.60%first recorded
Balance: $100,000.00 and over
- Nov 11, 20263.50%▼ from 3.60%
- Nov 5, 20263.60%first recorded
- Oct 10, 20263.35%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Balance: $1,000 to $99,999.99
- Nov 11, 20263.10%▼ from 3.20%
- Oct 26, 20263.20%first recorded
Balance: $1,000.00 - $99,999.99
- Nov 11, 20263.10%▼ from 3.20%
- Nov 5, 20263.20%first recorded
Balance: $500.00 - $999.99; Footnoted term ()
Balance: $100,000.00 and greater
Balance: $100k - and greater
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Brownsville 12 Month CD Rates
Balance: $500.00-$999.99; Special 12-Month IRA certificate
Balance: $500.00 - $999.99; Footnoted term ()
Special 12-Month Share & IRA Certificate (); Balance: $500.00 - $999.99
- Oct 10, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
- Oct 10, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
- Oct 10, 20263.60%▲ from 3.35%
- Sep 14, 20263.35%first recorded
$1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.
Comments & Restrictions: $500 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.
Comments & Restrictions: $1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.
Balance: $100,000 and over
- Nov 11, 20263.25%▼ from 3.35%
- Oct 26, 20263.35%first recorded
Balance: $100,000.00 and over
- Nov 11, 20263.25%▼ from 3.35%
- Nov 5, 20263.35%first recorded
Brownsville 18 Month CD Rates
$1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.
Comments & Restrictions: $500 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.
Comments & Restrictions: $1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.
Balance: $100,000.00 and greater
Balance: $100k - and greater
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99
Balance: $500.00 - $999.99
Balance: $500.00 - $999.99
Comments: $1,000 Minimum to open. Subject to early withdrawal penalties. All certificates of deposit automatically renew.
Brownsville 24 Month CD Rates
- Oct 10, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
- Oct 10, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
- Oct 10, 20263.60%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Balance: $500.00 - $999.99; Footnoted term ()
Balance: $100,000.00 and greater
Balance: $100k - and greater
Balance: $100,000 and over
Balance: $100,000.00 and over
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Early withdrawal fee may apply
Brownsville 36 Month CD Rates
- Oct 10, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
- Oct 10, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
- Oct 10, 20263.60%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Balance: $100,000.00 and greater
Balance: $100k - and greater
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Early withdrawal fee may apply
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99
Balance: $500.00 - $999.99
Balance: $500.00 - $999.99
Brownsville 48 Month CD Rates
Balance: $100,000.00 and greater
Balance: $100k - and greater
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99
Early withdrawal fee may apply
Balance: $500.00 - $999.99
Balance: $500.00 - $999.99
Balance: $1,000.00 and above
Brownsville 60 Month CD Rates
Balance: $100,000.00 and greater
Balance: $100k - and greater
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99
Early withdrawal fee may apply
Balance: $500.00 - $999.99
Balance: $500.00 - $999.99
Balance: $1,000.00 and above
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Brownsville, TX CD Rate Trends
Compare local Brownsville, 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.
Texas 12-month CD rates fell 0.008 points over the past 7 days to 3.425% APY.
Texas 6-month CD rates fell 0.001 points over the past 7 days to 3.280% APY.
TX CD Rate Forecast, Next 12 Months
Where are Texas CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.516% | $125.82 | $251.64 | $629.10 | $1,258.20 |
| 6-Month CD | 3.280% | $164.00 | $328.00 | $820.00 | $1,640.00 |
| 12-Month CD | 3.425% | $171.23 | $342.47 | $856.18 | $1,712.35 |
| 18-Month CD | 3.322% | $166.11 | $332.23 | $830.57 | $1,661.15 |
| 24-Month CD | 3.254% | $162.70 | $325.39 | $813.47 | $1,626.95 |
| 36-Month CD | 3.170% | $158.48 | $316.96 | $792.40 | $1,584.80 |
| 48-Month CD | 3.072% | $153.62 | $307.24 | $768.10 | $1,536.20 |
| 60-Month CD | 3.124% | $156.20 | $312.40 | $781.00 | $1,562.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 15, 2026. | |||||
Sample CD Ladder for Brownsville, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.516% | $125.82 |
| 2 | 6-Month CD | $5,000 | 3.280% | $164.00 |
| 3 | 12-Month CD | $5,000 | 3.425% | $171.23 |
| 4 | 24-Month CD | $5,000 | 3.254% | $162.70 |
| 5 | 36-Month CD | $5,000 | 3.170% | $158.48 |
| Total ($25,000 invested) | $25,000 | 3.129% blended | $782.23/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.
Tracked in Brownsville, Texas
About Our Brownsville, Texas CD Rate Database
MonitorBankRates tracks 3,752 CD rates from 33 banks and 88 credit unions with locations in Brownsville, 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: Security First Federal Credit Union offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Brownsville, Texas.
How to Find the Best CD Rates in Brownsville, Texas
What to compare when shopping for a CD in Brownsville, Texas
To find the best APYs in Brownsville, Texas, start with credit unions and online-only banks: Brownsville, Texas has 88 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 Brownsville, 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 Brownsville, Texas: 121 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Brownsville, Texas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Brownsville, Texas money market rates
Brownsville, Texas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
13.0% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 3.425%, saving 10% of the local median salary ($2,939/year) and putting it in a CD would earn an additional $101 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 Brownsville, 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 |
CD Product Information
How CDs Work
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 Brownsville, 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 Brownsville, Texas as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Brownsville, Texas savers easier access to their funds. For example, Rally Credit Union is offering its 6 Month CD at 3.85% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Security First Federal Credit Union is offering its 60 Month Term Share Certificate at 3.61% 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
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 Brownsville, 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
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 Brownsville, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Brownsville, 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 Brownsville, Texas
What are CD rates in Brownsville, Texas today?
Are CD rates in Brownsville, Texas FDIC insured?
Do I have to pay state taxes on CD interest in Brownsville, Texas?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Brownsville, Texas?
- Security First Federal Credit Union: 4.25% APY (12 Month IRA Share Certificate)
- Rally Credit Union: 4.10% APY (1 Year CD)
- Frost Bank: 3.80% APY (90 Day Jumbo CD)
- Valley Federal Credit Union: 3.65% APY (18 Month IRA Certificates)
- PlainsCapital Bank: 3.19% APY (Individual Retirement Account - 1 Year)
- Woodforest National Bank: 2.25% APY (Certificate of Deposit - 2 Year)
- Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
- PNC Bank: 0.02% APY (Fixed Rate Certificate of Deposit (CD) - 12 Months)
- A+ Federal Credit Union: 5.00% APY (12 Month StartUP Share Certificate)
- First Eagle Credit Union: 5.00% APY (Share Certificate Special - 1 Year Certificate)
Brownsville, 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 Brownsville, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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.
CD Calculators for Brownsville, Texas
At today’s TX top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Brownsville, Texas CD LadderTX CD rates currently range from 2.516% (3-month) to 3.170% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Brownsville, Texas CD at 4.25% 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 SavingsTexas’s average 12-month CD is 3.425% 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 Brownsville, 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 Brownsville, 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 Brownsville, 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.
Brownsville, Texas Rates & Resources
