MonitorBankRates
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Dallas, Texas Best CD Rates September 2026

Current Dallas, Texas CD rates include T BankT Bank16200 Dallas Pkwy, Dallas, TX 75248A+5.0 ★Texas Ratio: 1.84%Real return: +1.36%APY minus CPI (February 2026) offering 12 Month CD at 4.16% APY, OWB One World BankOWB One World Bank2449 Walnut Hill Ln, Dallas, TX 75229A+5.0 ★Texas Ratio: 0.80%Real return: +1.20%APY minus CPI (February 2026) offering 180 Day at 4.00% APY, GREATER TEXASGREATER TEXAS1317 Empire Central Dr, Dallas, TX 75247 4021A5.0 ★Texas Ratio: 6.70%Real return: +1.20%APY minus CPI (February 2026) offering IRA Term Share Accounts/Certificates of Deposit - 60 Months at 4.00% APY, NexBankNexBank2515 Mckinney Ave, Dallas, TX 75201A+5.0 ★Texas Ratio: 5.79%Real return: +1.15%APY minus CPI (February 2026) offering 12 month Promotional Online CD at 3.95% APY, and BankUnitedBankUnited5610 Lemmon Ave, Dallas, TX 75209A-5.0 ★Texas Ratio: 15.40%Real return: +1.15%APY minus CPI (February 2026) offering 12-Month CD at 3.95% APY. CD rates as of September 1, 2026 according to verified data from MonitorBankRates.

Dallas has 175 local institutions in our database, with CD rates as high as 4.16% APY from T Bank at 16200 Dallas Pkwy, Dallas, TX 75248. 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 — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 2026

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

Dallas 3 Month CD Rates

National 3 Month CD Average1.96% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4228 N Central Expy, Dallas, TX 75206
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.89% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details

Special Offer. balances under $100k

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
90 Day
$0
3.80% ▲ 1.84% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.84% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
3-Month CD
$0
3.75% ▲ 1.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
3-Month Certificate
$0
3.75% ▲ 1.79% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day
$0
3.60% ▲ 1.64% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details

$500,000+

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Jumbo CD
$0
3.60% ▲ 1.64% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details

Jumbo CDs are for $500,000 and over. Annual Percentage Yield effective as of 08/24/2026. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account.

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8201 Preston Rd, Dallas, TX 75225
3-Month CD
$1,000
3.40% ▲ 1.44% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details

Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day
$0
3.35% ▲ 1.39% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day
$0
3.05% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.09% above avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificates of Deposit - 3 Months
$90,000
3.05% ▲ 1.09% above national avg
Rate3.02%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.09% above avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
8201 Preston Rd Suite 715, Dallas, TX 75225
3 Months
$1,000
2.85% ▲ 0.89% above national avg
Rate2.82%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.89% above avg
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
Regular Certificate 3 months
$0
1.51% ▼ 0.45% below national avg
Rate1.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.45% below avg
Details

Rates as of August 26, 2026. Rates are subject to change without notice.

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 3 Months
$1,000
0.75% ▼ 1.21% below national avg
Rate0.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.21% below avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 3 Months
$1,000
0.75% ▼ 1.21% below national avg
Rate0.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.21% below avg
Details

JUMBO $95,000+

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5956 Sherry Ln, Dallas, TX 75225
90 Days
$0
0.11% ▼ 1.85% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.85% below avg
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4228 N Central Expy, Dallas, TX 75206
3 months
$0
0.10% ▼ 1.86% below national avg
Rate0.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.86% below avg
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
3 month Standard Fixed Rate CD
$2,500
0.06% ▼ 1.90% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.90% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.91% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
3 month Standard Interest Rate
$2,500
0.05% ▼ 1.91% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details

Relationship Interest Rate 0.06%

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
90 Days
$0
4.13% ▲ 2.17% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.17% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00% ▲ 2.04% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.04% above avg
Details

Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$100,001
3.92% ▲ 1.96% above national avg
Rate3.85%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.96% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day
$1,000
3.90% ▲ 1.94% above national avg
Rate3.84%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.94% above avg
Details

Compounded: ; Credited: At Maturity

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$50,001
3.87% ▲ 1.91% above national avg
Rate3.80%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.91% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$1,000
3.82% ▲ 1.86% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.86% above avg
Details

Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3-Month CD
$0
3.80% ▲ 1.84% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.65% ▲ 1.69% above national avg
Rate3.60%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.69% above avg
Details

FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
90 Day
$0
3.55% ▲ 1.59% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details

Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.51% ▲ 1.55% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
3-Month Certificate
$0
3.51% ▲ 1.55% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Month Certificate
$0
3.50% ▲ 1.54% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 3 Month
$0
3.50% ▲ 1.54% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details

$95,000

Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Month CD
$1,000
3.50% ▲ 1.54% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$1,000
3.45% ▲ 1.49% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.49% above avg
Details

Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.40% ▲ 1.44% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.39% ▲ 1.43% above national avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.43% above avg
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months CD
$1,000
3.35% ▲ 1.39% above national avg
Rate3.31%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

A penalty may be imposed for early withdrawal

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months IRA
$1,000
3.35% ▲ 1.39% above national avg
Rate3.31%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

A penalty may be imposed for early withdrawal

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35% ▲ 1.39% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificates 3-Month
$0
3.35% ▲ 1.39% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.30% ▲ 1.34% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30% ▲ 1.34% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CD - 3 Month
$225,000
3.29% ▲ 1.33% above national avg
Rate3.25%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.33% above avg
Details

FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
90 Day CD
$0
3.29% ▲ 1.33% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.33% above avg
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Month
$0
3.25% ▲ 1.29% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details

A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Business 3 Month
$0
3.25% ▲ 1.29% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details

A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.

FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
90 Days
$0
3.25% ▲ 1.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details

Short-term savings made easy. Access your funds quickly while earning interest.

First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
90 Day Certificate of Deposit
$0
3.25% ▲ 1.29% above national avg
Rate3.21%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details

Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3 Month
$0
3.25% ▲ 1.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details

Dallas 6 Month CD Rates

National 6 Month CD Average2.67% APY▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
6 Month CD
$0
4.16% ▲ 1.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.49% above avg
Details

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
180 Day
$0
4.00% ▲ 1.33% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.33% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
6-Month CD
$0
3.90% ▲ 1.23% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
5610 Lemmon Ave, Dallas, TX 75209
6-Month CD
$1,000
3.75% ▲ 1.08% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details

Promotional Rates

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
6-Month Certificate
$0
3.75% ▲ 1.08% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details

Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
5950 Berkshire Ln, Dallas, TX 75225
6-month CD
$0
3.65% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details

New Money

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX 75228
Roth 6 Months (regular CD only)
$0
3.60% ▲ 0.93% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details

CDs, Roth IRA and IRA Certificates

Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
5950 Berkshire Ln, Dallas, TX 75225
6-month CD
$0
3.50% ▲ 0.83% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

New Money

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard Certificate 6 months
$2,500
3.50% ▲ 0.83% above national avg
Rate3.45%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

Additional deposits not allowed.

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 6 Months
$1,000
3.50% ▲ 0.83% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 6 Months
$1,000
3.50% ▲ 0.83% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

JUMBO $95,000+

Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
8117 Preston Rd, Dallas, TX 75225
6-Month CD Special
$0
3.40% ▲ 0.73% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details

Limited Time CD Special

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8201 Preston Rd, Dallas, TX 75225
6-Month CD
$1,000
3.40% ▲ 0.73% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details

Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
400 S Akard St, Dallas, TX 75202 5324
6 Month Certificate
$0
3.25% ▲ 0.58% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
6 Month Certificate
$0
3.25% ▲ 0.58% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
180 Day
$0
3.10% ▲ 0.43% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
AAFES Headquarters, Dallas, TX 75236
6 Month Certificate
$0
2.70% ▲ 0.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.03% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
180 Day
$0
2.70% ▲ 0.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.03% above avg
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
Regular Certificate 6 months
$0
2.27% ▼ 0.40% below national avg
Rate2.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.40% below avg
Details

Rates as of August 26, 2026. Rates are subject to change without notice.

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5956 Sherry Ln, Dallas, TX 75225
180 Days
$0
1.55% ▼ 1.12% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.12% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5956 Sherry Ln, Dallas, TX 75225
6 Months
$0
1.50% ▼ 1.17% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
8201 Preston Rd Suite 715, Dallas, TX 75225
6 Months
$1,000
1.50% ▼ 1.17% below national avg
Rate1.49%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificates of Deposit - 6 Months
$90,000
1.50% ▼ 1.17% below national avg
Rate1.49%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4228 N Central Expy, Dallas, TX 75206
6 months
$0
0.10% ▼ 2.57% below national avg
Rate0.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.57% below avg
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
6 month Standard Interest Rate
$2,500
0.06% ▼ 2.61% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.61% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.62% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
6 month Standard Interest Rate
$2,500
0.05% ▼ 2.62% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details

Relationship Interest Rate 0.05%

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 3)
$99,000
4.20% ▲ 1.53% above national avg
Rate4.11%
Min Deposit$99,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 3)
$0
4.20% ▲ 1.53% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details

Balance: $99,000.00 or greater

Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 Month CD Offer
$0
4.18% ▲ 1.51% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
6 Months
$0
4.18% ▲ 1.51% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details

Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
6 Months
$0
4.18% ▲ 1.51% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 2)
$0
4.10% ▲ 1.43% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details

Balance: $50,000.00- $98,999.99

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 2)
$0
4.10% ▲ 1.43% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details

Balance: $50,000.00- $98,999.99

Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD
$1,000
4.07% ▲ 1.40% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

APY: Annual Percentage Yield. CD rates based upon in-house rates accurate as of June 22, 2026. A minimum daily balance of $1,000.00 must be maintained for 6-month IRA CD advertised at 4.07% APY. 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.

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$250
4.07% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$250
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

Age: 0-17

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
4.07% ▲ 1.40% above national avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
6 Month
$0
4.07% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$100,001
4.07% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
180 Day
$1,000
4.05% ▲ 1.38% above national avg
Rate4.01%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details

Compounded: ; Credited: At Maturity

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
180 Day EZ Saver
$50
4.05% ▲ 1.38% above national avg
Rate4.01%
Min Deposit$50
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details

Compounded: ; Credited: At Maturity

Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04% ▲ 1.37% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.37% above avg
Details

APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month CAMPUS
$500
4.03% ▲ 1.36% above national avg
Rate3.95%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.36% above avg
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month Members Advantage
$500
4.03% ▲ 1.36% above national avg
Rate3.95%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.36% above avg
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 6 Month
$0
4.02% ▲ 1.35% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details

McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6 MONTH HIGH
$100,000
4.02% ▲ 1.35% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$50,001
4.02% ▲ 1.35% above national avg
Rate3.95%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
6-Month Share Certificate
$1,000
4.00% ▲ 1.33% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.84%
Term Share Accounts(C.D.'S) - 6 Months
$500
4.00% ▲ 1.33% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
6 Months
$0
4.00% ▲ 1.33% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

Dallas 12 Month CD Rates

National 12 Month CD Average2.83% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD
$0
4.16% ▲ 1.33% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.33% above avg
Details

NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
12 month Promotional Online CD
$0
3.95% ▲ 1.12% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
5610 Lemmon Ave, Dallas, TX 75209
12-Month CD
$1,000
3.95% ▲ 1.12% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details

Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
12-Month CD
$0
3.85% ▲ 1.02% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
Youth/Young Adult 12-Month Certificate
$0
3.80% ▲ 0.97% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
12-Month Certificate
$0
3.75% ▲ 0.92% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 12 Months
$0
3.75% ▲ 0.92% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 12 Months
$0
3.75% ▲ 0.92% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 12 Months
$1,000
3.70% ▲ 0.87% above national avg
Rate3.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 12 Months
$1,000
3.70% ▲ 0.87% above national avg
Rate3.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details

JUMBO $95,000+

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX 75228
12 Months
$0
3.60% ▲ 0.77% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
12 Month Certificate
$0
3.55% ▲ 0.72% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details

Texans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2241 Irving Blvd, Dallas, TX 75207 6201
12 Month Certificate
$500
3.50% ▲ 0.67% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

Certificate rates are dependent on the term selected and may change at any time without prior notice. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.

Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
12 Month No Penalty CD
$0
3.50% ▲ 0.67% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month FlexPlus
$500
3.50% ▲ 0.67% above national avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA 12 months
$2,500
3.50% ▲ 0.67% above national avg
Rate3.45%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

IRA & Roth IRA CD must be opened in branch.

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard Certificate 12 months
$2,500
3.50% ▲ 0.67% above national avg
Rate3.45%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

Additional deposits not allowed.

Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
12 months
$0
3.35% ▲ 0.52% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
Details

Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
Share Certificate 12 months
$0
3.35% ▲ 0.52% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
400 S Akard St, Dallas, TX 75202 5324
12 Month Certificate
$0
3.30% ▲ 0.47% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details

Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
12 months
$0
3.25% ▲ 0.42% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details

Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
Share Certificate 12 months
$0
3.25% ▲ 0.42% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates 1 Year
$0
3.10% ▲ 0.27% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.27% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
12 Month
$0
3.00% ▲ 0.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
AAFES Headquarters, Dallas, TX 75236
1 Year Certificate
$0
2.90% ▲ 0.07% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.07% above avg
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
Regular Certificate 12 months
$0
2.78% ▼ 0.05% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.05% below avg
Details

Rates as of August 26, 2026. Rates are subject to change without notice.

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
Save to Win 12-Month Certificate
$0
2.75% ▼ 0.08% below national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.08% below avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
Save to Win 12-Month Certificate (Cont'd)
$0
2.75% ▼ 0.08% below national avg
Rate0.05%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.08% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
12 Month
$0
2.55% ▼ 0.28% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.28% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 12 Month Fixed
$0
2.55% ▼ 0.28% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.28% below avg
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
1 year Standard Fixed Rate CD
$2,500
1.51% ▼ 1.32% below national avg
Rate1.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.32% below national avg
Rate1.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details

Relationship APY 1.51%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.33% below national avg
Rate1.49%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details

Relationship APY 1.51%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1445 Ross Ave, Dallas, TX 75202
1 year Standard Interest Rate
$2,500
1.50% ▼ 1.33% below national avg
Rate1.49%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details

Relationship Interest Rate 1.50%

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5956 Sherry Ln, Dallas, TX 75225
1 Year
$0
0.15% ▼ 2.68% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.68% below avg
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4228 N Central Expy, Dallas, TX 75206
12 months
$0
0.10% ▼ 2.73% below national avg
Rate0.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.73% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 12 Month Fixed
$0
0.03% ▼ 2.80% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.80% below avg
Details

Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Months
$0
4.34% ▲ 1.51% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 3)
$99,000
4.34% ▲ 1.51% above national avg
Rate4.25%
Min Deposit$99,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 3)
$0
4.34% ▲ 1.51% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details

Balance: $99,000.00 or greater

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12 Months
$0
4.28% ▲ 1.45% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.45% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 2)
$0
4.24% ▲ 1.41% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details

Balance: $50,000.00 - $98,999.99

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 2)
$0
4.24% ▲ 1.41% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details

Balance: $50,000.00 - $98,999.99

Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
12 Months
$0
4.24% ▲ 1.41% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$90,000
4.18% ▲ 1.35% above national avg
Rate4.10%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month Certificate
$2,000
4.18% ▲ 1.35% above national avg
Rate4.10%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 12 Month Certificate
$2,000
4.18% ▲ 1.35% above national avg
Rate4.10%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month CD
$0
4.15% ▲ 1.32% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details

APY as high as

Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
FB-Org Certificate of Deposit [CD] 1 year
$1,000
4.15% ▲ 1.32% above national avg
Rate4.07%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12-month Certificate
$1,000
4.15% ▲ 1.32% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details

Minimum to Avoid Service Charge: $0

Dallas 18 Month CD Rates

National 18 Month CD Average2.68% APY▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$0
3.80% ▲ 1.12% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 18 Months
$0
3.80% ▲ 1.12% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$1,000
3.75% ▲ 1.07% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 18 Months
$1,000
3.75% ▲ 1.07% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

JUMBO $95,000+

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
18-Month CD
$0
3.70% ▲ 1.02% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
18-Month Certificate
$0
3.70% ▲ 1.02% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA 18 months
$2,500
3.65% ▲ 0.97% above national avg
Rate3.54%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details

IRA & Roth IRA CD must be opened in branch.

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard Certificate 18 months
$2,500
3.60% ▲ 0.92% above national avg
Rate3.54%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details

Additional deposits not allowed.

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
18 Mos. CD (includes IRA)
$0
3.50% ▲ 0.82% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.82% above avg
Details

IRA accounts included

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
18 Month CD
$0
3.10% ▲ 0.42% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.42% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
AAFES Headquarters, Dallas, TX 75236
18 Month Certificate
$0
2.90% ▲ 0.22% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.22% above avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5956 Sherry Ln, Dallas, TX 75225
18 Months
$0
2.05% ▼ 0.63% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.63% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
8201 Preston Rd Suite 715, Dallas, TX 75225
18 Months
$1,000
1.50% ▼ 1.18% below national avg
Rate1.49%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificates of Deposit - 18 Months
$90,000
1.50% ▼ 1.18% below national avg
Rate1.49%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo IRA / SEPP 18 Months
$90,000
1.50% ▼ 1.18% below national avg
Rate1.49%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
8201 Preston Rd Suite 715, Dallas, TX 75225
Variable - 18 Months
$100
1.50% ▼ 1.18% below national avg
Rate1.49%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 18 Month Variable
$0
0.75% ▼ 1.93% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.93% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 18 Month Variable
$0
0.03% ▼ 2.65% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.65% below avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month CD
$0
4.30% ▲ 1.62% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.62% above avg
Details

APY as high as

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
18 Month
$1,000
4.15% ▲ 1.47% above national avg
Rate4.09%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Business 18-Month Term Share Certificate
$1,000
4.10% ▲ 1.42% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Term Share Certificate
$1,000
4.07% ▲ 1.39% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.39% above avg
Details

Dividends Compounded Monthly Dividends Credited Monthly Renewal Automatic with 10-day grace period

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18-month Certificate
$1,000
4.05% ▲ 1.37% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details

Minimum to Avoid Service Charge: $0

Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Months Add-On IRA
$0
4.03% ▲ 1.35% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.35% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Super Jumbo Certificate
$225,000
4.01% ▲ 1.33% above national avg
Rate3.95%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.33% above avg
Details

HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 - 18 Months Flex Share Certificate Special
$0
4.00% ▲ 1.32% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00% ▲ 1.32% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95% ▲ 1.27% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95% ▲ 1.27% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Jumbo Certificate
$95,000
3.91% ▲ 1.23% above national avg
Rate3.85%
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share Certificate (CD) 18 month
$100,000
3.91% ▲ 1.23% above national avg
Rate3.85%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 18 Months
$0
3.91% ▲ 1.23% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month
$1,000
3.90% ▲ 1.22% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.85% ▲ 1.17% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month
$0
3.85% ▲ 1.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month CD
$0
3.85% ▲ 1.17% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month Traditional/Roth IRA
$0
3.85% ▲ 1.17% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 18 Months
$0
3.82% ▲ 1.14% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.14% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 18 Month
$100
3.80% ▲ 1.12% above national avg
Rate3.75%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Morris Sheppard Texarkana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18-Month CD
$1,000
3.80% ▲ 1.12% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Share Certificate
$1,000
3.80% ▲ 1.12% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 month
$100
3.80% ▲ 1.12% above national avg
Rate3.75%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Certificate
$0
3.80% ▲ 1.12% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80% ▲ 1.12% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18 Month Term Share Certificates
$0
3.80% ▲ 1.12% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

ACFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
18 Month No Penalty Certificate
$1,000
3.79% ▲ 1.11% above national avg
Rate3.72%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.11% above avg
Details

No Penalty

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Months
$0
3.76% ▲ 1.08% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.08% above avg
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
IRA Certificate 18 month
$0
3.75% ▲ 1.07% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Certificate
$0
3.75% ▲ 1.07% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18 months
$1,000
3.75% ▲ 1.07% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

Dividends Compounded Credited: Monthly

Dallas 24 Month CD Rates

National 24 Month CD Average2.71% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$0
3.80% ▲ 1.09% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 24 Months
$0
3.80% ▲ 1.09% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$1,000
3.75% ▲ 1.04% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 24 Months
$1,000
3.75% ▲ 1.04% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

JUMBO $95,000+

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
24-Month Certificate
$0
3.65% ▲ 0.94% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
24-Month CD
$0
3.60% ▲ 0.89% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
24 Month Certificate
$0
3.50% ▲ 0.79% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX 75228
24 Months
$0
3.50% ▲ 0.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
Regular Certificate 24 months
$0
3.40% ▲ 0.69% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details

Rates as of August 26, 2026. Rates are subject to change without notice.

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
2 Year
$0
3.25% ▲ 0.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates 2 Year
$0
3.25% ▲ 0.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
24 Month CD
$0
3.20% ▲ 0.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.49% above avg
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
400 S Akard St, Dallas, TX 75202 5324
24 Month Certificate
$0
3.10% ▲ 0.39% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
AAFES Headquarters, Dallas, TX 75236
2 Year Certificate
$0
2.90% ▲ 0.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
24 Month
$0
2.90% ▲ 0.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
24 Month
$0
2.40% ▼ 0.31% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.31% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 24 Month Fixed
$0
2.40% ▼ 0.31% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.31% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5956 Sherry Ln, Dallas, TX 75225
2 Years
$0
1.55% ▼ 1.16% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.16% below avg
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4228 N Central Expy, Dallas, TX 75206
24 months
$0
0.15% ▼ 2.56% below national avg
Rate0.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.56% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 24 Month Fixed
$0
0.03% ▼ 2.68% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.68% below avg
Details

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
24 Months
$0
4.44% ▲ 1.73% above national avg
Rate4.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.73% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month CD
$0
4.30% ▲ 1.59% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.59% above avg
Details

APY as high as

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$90,000
4.28% ▲ 1.57% above national avg
Rate4.20%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.57% above avg
Details

Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
24-month CD
$1,000
4.25% ▲ 1.54% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
24 Month
$1,000
4.20% ▲ 1.49% above national avg
Rate4.14%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.49% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 24 Months
$0
4.20% ▲ 1.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.49% above avg
Details

Callable CD

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$25,000
4.18% ▲ 1.47% above national avg
Rate4.10%
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.47% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10% ▲ 1.39% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$1,000
4.07% ▲ 1.36% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.36% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
2 Years
$10,000
4.05% ▲ 1.34% above national avg
Rate3.97%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details

Compounded: Daily, Credited: At Maturity

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05% ▲ 1.34% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details

Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 Months
$0
4.03% ▲ 1.32% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.32% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
2 Year
$0
4.02% ▲ 1.31% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.31% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1 to 2 Years
$1,000
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 90 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 1 to 2 Years
$1,000
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
24 Month Certificate
$2,000
3.97% ▲ 1.26% above national avg
Rate3.90%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 24 Month Certificate
$2,000
3.97% ▲ 1.26% above national avg
Rate3.90%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$95,000
3.97% ▲ 1.26% above national avg
Rate
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 2 Year
$0
3.92% ▲ 1.21% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.21% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24-Month Super Jumbo Certificate
$225,000
3.91% ▲ 1.20% above national avg
Rate3.85%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.20% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 24 Months
$0
3.91% ▲ 1.20% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.20% above avg
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.

Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2-YEAR CD
$1,000
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details

Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
TEEN Share Certificate of Deposits 2-YEAR CD
$100
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details

Age: 13-17

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
24 Month
$0
3.87% ▲ 1.16% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$500
3.87% ▲ 1.16% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 24 Month
$100
3.85% ▲ 1.14% above national avg
Rate3.80%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
24 Month
$0
3.85% ▲ 1.14% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details

Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
2 Year CD
$100,000
3.85% ▲ 1.14% above national avg
Rate3.80%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month IRA Share CD
$0
3.84% ▲ 1.13% above national avg
Rate3.77%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.13% above avg
Details

Dallas 36 Month CD Rates

National 36 Month CD Average2.66% APY▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$0
3.80% ▲ 1.15% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 36 Months
$0
3.80% ▲ 1.15% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$1,000
3.75% ▲ 1.10% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 36 Months
$1,000
3.75% ▲ 1.10% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

JUMBO $95,000+

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
Regular Certificate 36 months
$0
3.66% ▲ 1.01% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.01% above avg
Details

Rates as of August 26, 2026. Rates are subject to change without notice.

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX 75228
36 Months
$0
3.50% ▲ 0.85% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
36-Month Certificate
$0
3.50% ▲ 0.85% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
36 Month Certificate
$0
3.45% ▲ 0.80% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
36-Month CD
$0
3.40% ▲ 0.75% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA 36 months
$2,500
3.35% ▲ 0.70% above national avg
Rate3.30%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details

IRA & Roth IRA CD must be opened in branch.

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard Certificate 36 months
$2,500
3.35% ▲ 0.70% above national avg
Rate3.30%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details

Additional deposits not allowed.

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
3 Year
$0
3.25% ▲ 0.60% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates 3 Year
$0
3.25% ▲ 0.60% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
36 Month CD
$0
3.20% ▲ 0.55% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
400 S Akard St, Dallas, TX 75202 5324
36 Month Certificate
$0
3.10% ▲ 0.45% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
AAFES Headquarters, Dallas, TX 75236
3 Year Certificate
$0
2.90% ▲ 0.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.25% above avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5956 Sherry Ln, Dallas, TX 75225
3 Years
$0
1.55% ▼ 1.10% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.10% below avg
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4228 N Central Expy, Dallas, TX 75206
36 months
$0
0.15% ▼ 2.51% below national avg
Rate0.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.51% below avg
Details

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
36 Months
$0
4.49% ▲ 1.84% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.84% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month CD
$0
4.40% ▲ 1.75% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.75% above avg
Details

APY as high as

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$90,000
4.18% ▲ 1.53% above national avg
Rate4.10%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.53% above avg
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 36 Months / 3 Years
$0
4.15% ▲ 1.50% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
36 Month
$1,000
4.10% ▲ 1.44% above national avg
Rate4.04%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10% ▲ 1.44% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$25,000
4.07% ▲ 1.42% above national avg
Rate4.00%
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$95,000
4.07% ▲ 1.42% above national avg
Rate
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05% ▲ 1.40% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
3 Years
$10,000
4.00% ▲ 1.35% above national avg
Rate3.92%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Compounded: Daily, Credited: At Maturity

Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 36 Months
$0
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
2 to 3 Years
$1,000
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 2 to 3 Years
$1,000
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$1,000
3.97% ▲ 1.32% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$500
3.97% ▲ 1.32% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3 Year
$0
3.97% ▲ 1.32% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36-Month Super Jumbo Certificate
$225,000
3.96% ▲ 1.31% above national avg
Rate3.90%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
3.95% ▲ 1.30% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95% ▲ 1.30% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$95,000
3.92% ▲ 1.27% above national avg
Rate
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month IRA Share CD
$0
3.92% ▲ 1.27% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month Jumbo Share CD
$0
3.92% ▲ 1.27% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$1,000
3.90% ▲ 1.25% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month Jr Jumbo Share CD
$0
3.87% ▲ 1.22% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates - 3 Year
$0
3.87% ▲ 1.22% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 3 Year
$0
3.87% ▲ 1.22% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 36 Months
$0
3.86% ▲ 1.21% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36-Month Jumbo Certificate
$95,000
3.85% ▲ 1.20% above national avg
Rate3.80%
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month IRA Share Certificate
$0
3.85% ▲ 1.20% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details

Balance: $500,000.01 or greater

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month Share Certificate
$0
3.85% ▲ 1.20% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details

Dallas 48 Month CD Rates

National 48 Month CD Average2.66% APY▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$0
3.80% ▲ 1.14% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 48 Months
$0
3.80% ▲ 1.14% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$1,000
3.75% ▲ 1.09% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 48 Months
$1,000
3.75% ▲ 1.09% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

JUMBO $95,000+

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
48 Month Certificate
$0
3.40% ▲ 0.74% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX 75228
48 Months
$0
3.40% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
48-Month CD
$0
3.35% ▲ 0.69% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA 48 months
$2,500
3.35% ▲ 0.69% above national avg
Rate3.30%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details

IRA & Roth IRA CD must be opened in branch.

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard Certificate 48 months
$2,500
3.35% ▲ 0.69% above national avg
Rate3.30%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details

Additional deposits not allowed.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
Regular Certificate 48 months
$0
3.30% ▲ 0.64% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details

Rates as of August 26, 2026. Rates are subject to change without notice.

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
4 Year
$0
3.25% ▲ 0.59% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates 4 Year
$0
3.25% ▲ 0.59% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
48-Month Certificate
$0
3.25% ▲ 0.59% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
48 Month CD
$0
3.20% ▲ 0.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
400 S Akard St, Dallas, TX 75202 5324
48 Month Certificate
$0
3.05% ▲ 0.39% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
AAFES Headquarters, Dallas, TX 75236
4 Year Certificate
$0
2.90% ▲ 0.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5956 Sherry Ln, Dallas, TX 75225
4 Years
$0
1.55% ▼ 1.11% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.11% below avg
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4228 N Central Expy, Dallas, TX 75206
48 months
$0
0.20% ▼ 2.46% below national avg
Rate0.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.46% below avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$90,000
4.18% ▲ 1.52% above national avg
Rate4.10%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.52% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
48 Month
$1,000
4.15% ▲ 1.49% above national avg
Rate4.09%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 48 Months / 4 Years
$0
4.15% ▲ 1.49% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$25,000
4.07% ▲ 1.41% above national avg
Rate4.00%
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.41% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Super Jumbo Certificate
$225,000
4.01% ▲ 1.35% above national avg
Rate3.95%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 48 Months
$0
4.00% ▲ 1.34% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
3 to 4 Years
$1,000
4.00% ▲ 1.34% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 3 to 4 Years
$1,000
4.00% ▲ 1.34% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$1,000
3.97% ▲ 1.31% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$100,001
3.97% ▲ 1.31% above national avg
Rate3.90%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
4 Year
$0
3.97% ▲ 1.31% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$50,001
3.92% ▲ 1.26% above national avg
Rate3.85%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Jumbo Certificate
$95,000
3.91% ▲ 1.25% above national avg
Rate3.85%
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.90% ▲ 1.24% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
Details

Balance: $500,000.01 or greater

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.90% ▲ 1.24% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$1,000
3.87% ▲ 1.21% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$100,001
3.87% ▲ 1.21% above national avg
Rate3.80%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates - 4 Year
$0
3.87% ▲ 1.21% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 4 Year
$0
3.87% ▲ 1.21% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 48 Months
$0
3.86% ▲ 1.20% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.85% ▲ 1.19% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details

Balance: $100,000.01 - $500,000.00

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.85% ▲ 1.19% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48-month IRA
$0
3.85% ▲ 1.19% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 4 Year
$0
3.82% ▲ 1.16% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$50,001
3.82% ▲ 1.16% above national avg
Rate3.75%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 48 Month
$100
3.80% ▲ 1.14% above national avg
Rate3.75%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Share Certificate
$1,000
3.80% ▲ 1.14% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.80% ▲ 1.14% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

Balance: $50,000.01 - $100,000.00

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.80% ▲ 1.14% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
48 Month Term Share Certificates
$0
3.80% ▲ 1.14% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$1,000
3.76% ▲ 1.10% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 4 Year
$0
3.76% ▲ 1.10% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

Dallas 60 Month CD Rates

National 60 Month CD Average2.76% APY▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$0
4.00% ▲ 1.24% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 60 Months
$0
4.00% ▲ 1.24% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$1,000
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificates/Certificates of Deposit - 60 Months
$1,000
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details

JUMBO $95,000+

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
60 Month Certificate
$0
3.40% ▲ 0.64% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
7474 Ferguson Rd, Dallas, TX 75228
60 Months
$0
3.40% ▲ 0.64% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA 60 months
$2,500
3.35% ▲ 0.59% above national avg
Rate3.30%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details

IRA & Roth IRA CD must be opened in branch.

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard Certificate 60 months
$2,500
3.35% ▲ 0.59% above national avg
Rate3.30%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details

Additional deposits not allowed.

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
60-Month CD
$0
3.25% ▲ 0.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
5 Year
$0
3.25% ▲ 0.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates 5 Year
$0
3.25% ▲ 0.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
Regular Certificate 60 months
$0
3.25% ▲ 0.49% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

Rates as of August 26, 2026. Rates are subject to change without notice.

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6172 Sherry Ln, Dallas, TX 75225 6314
60-Month Certificate
$0
3.25% ▲ 0.49% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
60 Month CD
$0
3.20% ▲ 0.44% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.44% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
AAFES Headquarters, Dallas, TX 75236
5 Year Certificate
$0
2.90% ▲ 0.14% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.14% above avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5956 Sherry Ln, Dallas, TX 75225
5 Years
$0
1.55% ▼ 1.21% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.21% below avg
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
4228 N Central Expy, Dallas, TX 75206
60 months
$0
0.25% ▼ 2.51% below national avg
Rate0.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.51% below avg
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 60 Months
$0
4.50% ▲ 1.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.74% above avg
Details

Callable CD

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
60 Month
$1,000
4.20% ▲ 1.44% above national avg
Rate4.14%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.44% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$90,000
4.18% ▲ 1.42% above national avg
Rate4.10%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.42% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 60 Months
$0
4.11% ▲ 1.35% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.35% above avg
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.10% ▲ 1.34% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month IRA Special
$0
4.10% ▲ 1.34% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Jumbo
$100,000
4.10% ▲ 1.34% above national avg
Rate4.03%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$25,000
4.07% ▲ 1.31% above national avg
Rate4.00%
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.31% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60-Month Super Jumbo Certificate
$225,000
4.06% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.30% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05% ▲ 1.29% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$50,000
4.05% ▲ 1.29% above national avg
Rate3.98%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month IRA Share CD
$0
4.02% ▲ 1.26% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.26% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jumbo Share CD
$0
4.02% ▲ 1.26% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.26% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
4.00% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $500,000.01 or greater

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
4.00% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month Tier
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
4 to 5 Years
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
5 Years
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 4 to 5 Years
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 5 Years
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$1,000
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jr Jumbo Share CD
$0
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
5 Year
$0
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60-Month Jumbo Certificate
$95,000
3.96% ▲ 1.20% above national avg
Rate3.90%
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.20% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
3.95% ▲ 1.19% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details

Balance: $100,000.01 - $500,000.00

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
3.95% ▲ 1.19% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$50,000
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
60 Months
$50,000
3.95% ▲ 1.19% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Share CD
$0
3.92% ▲ 1.16% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.16% above avg
Details

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 Dallas, Texas Institutions

Highest verified APYs available today — updated September 1, 2026

B Top 5 Bank Rates
T Bank
12 Month CD
A+ 5.0 ★ TX: 1.84%
Min: $0
4.16%
OWB One World Bank
180 Day
A+ 5.0 ★ TX: 0.80%
Min: $0
4.00%
GREATER TEXAS
IRA Term Share Accounts/Certificates of Deposit - 60 Months
A 5.0 ★ TX: 6.70%
Min: $0
4.00%
NexBank
12 month Promotional Online CD
A+ 5.0 ★ TX: 5.79%
Min: $0
3.95%
BankUnited
12-Month CD
A- 5.0 ★ TX: 15.40%
Min: $1,000
3.95%
CU Top 5 Credit Union Rates
InTouch Credit Union
Youth/Young Adult 12-Month Certificate
A 5.0 ★ TX: 9.63%
Min: $0
3.80%
Resource One Credit Union
Regular Certificate 36 months
B+ 4.7 ★ TX: 15.58%
Min: $0
3.66%
Neighborhood Credit Union
IRA & Roth IRA 18 months
A 5.0 ★ TX: 7.88%
Min: $2,500
3.65%
City Credit Union
12 Months
A 5.0 ★ TX: 6.49%
Min: $0
3.60%
Prestige Community Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 4.68%
Min: $0
3.55%
Rates verified September 1, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Dallas, TX CD Rate Trends

Compare local Dallas, 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
2.833%
▲ 0.578 vs 7 days ago

Texas 12-month CD rates rose 0.578 points over the past 7 days to 2.833% APY.

6-Month CD — TX Avg
2.672%
▲ 0.862 vs 7 days ago

Texas 6-month CD rates rose 0.862 points over the past 7 days to 2.672% APY.

As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

TX CD Rate Forecast — Next 12 Months

Where are Texas CD rates headed through September 2027?

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

TX 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Texas average 12-month CD APY in our database.

Spread model: The Texas 12-month CD average currently trades 1.54% 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% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at TX CD Rates Today

Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.

CD Term TX Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.964% $98.19 $196.38 $490.95 $981.90
6-Month CD 2.672% $133.62 $267.23 $668.08 $1,336.15
12-Month CD 2.833% $141.64 $283.28 $708.20 $1,416.40
18-Month CD 2.677% $133.84 $267.67 $669.18 $1,338.35
24-Month CD 2.711% $135.57 $271.14 $677.85 $1,355.70
36-Month CD 2.655% $132.75 $265.50 $663.75 $1,327.50
48-Month CD 2.657% $132.83 $265.66 $664.15 $1,328.30
60-Month CD 2.760% $138.00 $276.00 $690.00 $1,380.00
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026.

Sample CD Ladder for Dallas, 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 1.964% $98.19
2 6-Month CD $5,000 2.672% $133.62
3 12-Month CD $5,000 2.833% $141.64
4 24-Month CD $5,000 2.711% $135.57
5 36-Month CD $5,000 2.655% $132.75
Total ($25,000 invested) $25,000 2.567% blended $641.77/yr

Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

1,867
CD Rates
Tracked in Dallas, Texas
41 Banks 102 Credit Unions

About Our Dallas, Texas CD Rate Database

MonitorBankRates tracks 1,867 CD rates from 41 banks and 102 credit unions with locations in Dallas, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.

Current top rate: T Bank offers a CD at 4.16% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Dallas, Texas.

How to Find the Best CD Rates in Dallas, Texas

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

To find the best APYs in Dallas, Texas, start with credit unions and online-only banks — Dallas, Texas has 102 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 Dallas, 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 Dallas, Texas — 143 institutions here report CD rates

Consider an Alternative If…

Dallas, Texas Financial Snapshot

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

Population 65+
11.8%
National avg: 17.3%
Median Individual Earnings
$42,987
National avg: $47,340
Poverty Rate
16.7%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$122/yr
At TX 12-mo avg 2.833% APY

11.8% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.833%, saving 10% of the local median salary ($4,298/year) and putting it in a CD would earn an additional $122 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 Dallas, Texas

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Dallas, 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 Dallas, 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 Dallas, Texas as everywhere in the U.S.

Choosing a CD Term in Dallas, 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 Dallas, Texas savers easier access to their funds. For example, T Bank is offering its 6 Month CD at 4.16% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, GREATER TEXAS is offering its IRA Term Share Accounts/Certificates of Deposit - 60 Months at 4.00% 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 Dallas, 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 Dallas, 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 Dallas, 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 Dallas, 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 Dallas, Texas

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

Are CD rates in Dallas, Texas FDIC insured?

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

Here are recent top rates found for this area:
  • T Bank: 4.16% APY (12 Month CD)
  • OWB One World Bank: 4.00% APY (180 Day)
  • GREATER TEXAS: 4.00% APY (IRA Term Share Accounts/Certificates of Deposit - 60 Months)
  • NexBank: 3.95% APY (12 month Promotional Online CD)
  • BankUnited: 3.95% APY (12-Month CD)
  • Susser Bank: 3.90% APY (6-Month CD)
  • UMB Bank: 3.85% APY (3-MONTH TIME DEPOSIT ACCOUNT)
  • InTouch Credit Union: 3.80% APY (Youth/Young Adult 12-Month Certificate)
  • Resource One Credit Union: 3.66% APY (Regular Certificate 36 months)
  • Simmons Bank: 3.65% APY (6-month CD)
Rates reflect recent verified offers available in Dallas, Texas. Last Updated: September 1, 2026

Dallas, 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 Dallas, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Dallas, Texas CD Rates by Term

Verified September 1, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Dallas, Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Dallas, 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 Dallas, 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 Dallas, Texas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 1, 2026

Dallas, Texas Rates & Resources