MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Dallas, Texas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Dallas, Texas CD rates range from 0.01% to 5.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Dallas, Texas CD rates include National Police Federal Credit UnionNational Police Federal Credit Union13465 Midway Rd Ste 104, Dallas, TX 75244 5105A+5.0 ★Texas Ratio: 4.12%Real return: +2.22%APY minus CPI (February 2026) offering 36-Month IRA at 5.02% APY, Advancial Federal Credit UnionAdvancial Federal Credit Union10000 N Central Expy Ste 1400, Dallas, TX 75231 2319A5.0 ★Texas Ratio: 12.30%Real return: +2.07%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY, Austin Capital BankAustin Capital Bank9101 Lbj Freeway Suite 300 20 and 21, Dallas, TX 75243A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, T BankT Bank16200 Dallas Pkwy, Dallas, TX 75248B+4.8 ★Texas Ratio: 17.09%Real return: +1.72%APY minus CPI (February 2026) offering 12 Month Certificate at 4.52% APY, and Vio BankVio Bank1920 Mckinney Ave, Dallas, TX 75201A+5.0 ★Texas Ratio: 4.93%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month CD at 4.40% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Dallas has 463 local institutions in our database, with CD rates as high as 5.02% APY from National Police Federal Credit Union at 13465 Midway Rd Ste 104, Dallas, TX 75244 5105. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

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

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

Dallas 3 Month CD Rates

Texas 3 Month CD Average2.50% APYNational 2.09%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
9101 Lbj Freeway Suite 300 20 and 21, Dallas, TX 75243
3 Month CD
$1,000
4.58% ▲ 2.08% above Texas avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
3 Month Certificate
$0
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificates - 3 Months
$500
4.08% ▲ 1.58% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.58% above avgNationally 2.09%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.08%▲ from 3.72%
  • Sep 16, 20263.72%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Certificate of Deposit
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

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

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Jumbo CD
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

Jumbo CDs of $500,000 and over.

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
4228 N Central Expy, Dallas, TX 75206
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
3-Month Certificate
$1,000
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
90 Day Certificate
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details

Open Account

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
90 Day Star Certificates of Deposit (CDs)
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 14, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
90 Day CD
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 14, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Jumbo Certificate Of Deposit (CD) - 90 Day
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 14, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
3 Month Certificates of Deposit (CD)
$0
3.75% ▲ 1.25% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Certificate of Deposit
$0
3.65% ▲ 1.15% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.09%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
2.85%3.50%4.15%Sep 18, 2026: 3.35% APYSep 24, 2026: 3.50% APYOct 2, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.65%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
3 Month Share Certificate
$1,000
3.50% ▲ 1.00% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.00% above avgNationally 2.09%
Details

APY $500: N/A; APY $1,000+: 3.50%; APY $100,000+: 3.50%

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
8201 Preston Rd, Dallas, TX 75225
3-Month CD
$1,000
3.40% ▲ 0.90% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.90% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Certificate of Deposit
$0
3.30% ▲ 0.80% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.80% above avgNationally 2.09%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
2.55%3.18%3.80%Sep 18, 2026: 3.05% APYSep 27, 2026: 3.20% APYOct 2, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.30%▲ from 3.20%
  • Sep 27, 20263.20%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
3 Month Jumbo CD
$90,000
3.05% ▲ 0.55% above Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.55% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificate of Deposit - 3 Months
$90,000
3.05% ▲ 0.55% above Texas avg
View
▼
Rate3.02%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.55% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
3 Month Certificate
$0
2.94% ▲ 0.44% above Texas avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 14, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
3 Month CDs with opening balances
$0
2.70% ▲ 0.20% above Texas avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.20% above avgNationally 2.09%
Details

$10,000.

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.65% ▲ 0.15% above Texas avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.15% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
2.05%2.60%3.15%Sep 18, 2026: 2.55% APYOct 1, 2026: 2.65% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.65%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.55% ▲ 0.05% above Texas avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.05% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
1.95%2.50%3.05%Sep 18, 2026: 2.45% APYOct 1, 2026: 2.55% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.55%▲ from 2.45%
  • Sep 18, 20262.45%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 3 months
$0
2.45% ▼ 0.05% below Texas avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 0.05% below avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
1.84%2.40%2.95%Sep 18, 2026: 2.34% APYOct 1, 2026: 2.45% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.45%▲ from 2.34%
  • Sep 18, 20262.34%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
3 Month CD
$500
2.00% ▼ 0.50% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
3 Month IRA Certificate
$500
1.76% ▼ 0.74% below Texas avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 0.74% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 14, 2026
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
3 Month Share Certificates
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
3 Month Regular Certificate
$500
1.51% ▼ 0.99% below Texas avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 0.99% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
3 Month Certificate
$1,000
1.50% ▼ 1.00% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 2.85% → 1.50% ▼ 1.35 pts · high 2.85% / low 1.50%
0.15%2.18%4.20%Sep 14, 2026: 2.85% APYSep 27, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20261.50%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
3 Month Standard CD
$1,000
1.50% ▼ 1.00% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 1.50% ▼ 1.35 pts · high 2.85% / low 1.50%
0.15%2.18%4.20%Sep 18, 2026: 2.85% APYSep 27, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20261.50%▼ from 2.85%
  • Sep 18, 20262.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
3 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
1.00% ▼ 1.50% below Texas avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 1.50% below avgNationally 2.09%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
0.25%0.88%1.50%Sep 22, 2026: 0.75% APYOct 10, 2026: 1.00% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20261.00%▲ from 0.75%
  • Sep 22, 20260.75%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 3 Months
$1,000
1.00% ▼ 1.50% below Texas avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 1.50% below avgNationally 2.09%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
0.25%0.88%1.50%Oct 6, 2026: 0.75% APYOct 10, 2026: 1.00% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20261.00%▲ from 0.75%
  • Oct 6, 20260.75%first recorded
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.40% below Texas avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.40% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 14, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.40% below Texas avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.40% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1445 Ross Ave, Dallas, TX 75202
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1445 Ross Ave, Dallas, TX 75202
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
90 Day Certificate
$0
0.06% ▼ 2.44% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1445 Ross Ave, Dallas, TX 75202
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
3 Month Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
The Local Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
8787 N Stemmons Fwy Ste 185, Dallas, TX 75247 3721
Share Certificate - 3 Month
$500
0.05% ▼ 2.45% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

Minimum deposit $500; dividends compounded and paid quarterly; early withdrawal of dividends subject to penalty

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
3 Month IRA Certificates
$0
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
3 Month Standard CD
$0
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
3 Month Certificate of Deposit
$0
0.03% ▼ 2.47% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.47% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
3 Month Certificate of Deposit
$0
0.02% ▼ 2.48% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.48% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
3 Month Certificate of Deposit
$0
0.01% ▼ 2.49% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.49% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificate of Deposit
$0
4.44% ▲ 1.94% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 8, 2026: 4.44% APYOct 8, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.30% ▲ 1.80% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.80% above avgNationally 2.09%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 14, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$250,001
4.23% ▲ 1.73% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $250,001

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

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 14, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$100,001
4.18% ▲ 1.68% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $100,001

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.18%▲ from 3.97%
  • Sep 14, 20263.97%first recorded

Dallas 6 Month CD Rates

Texas 6 Month CD Average3.25% APYNational 2.77%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
6 Month 360 CDs
$0
4.30% ▲ 1.05% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
9101 Lbj Freeway Suite 300 20 and 21, Dallas, TX 75243
6 Month CD
$1,000
4.30% ▲ 1.05% above Texas avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificates - 6 Months
$500
4.24% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.99% above avgNationally 2.77%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
3.32%4.03%4.74%Sep 16, 2026: 3.82% APYOct 8, 2026: 4.24% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.24%▲ from 3.82%
  • Sep 16, 20263.82%first recorded
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
6 month Promotional Online CD
$0
4.15% ▲ 0.90% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.90% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
180 Day CD
$0
4.00% ▲ 0.75% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.75% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Jumbo Certificate Of Deposit (CD) - 180 Day
$0
4.00% ▲ 0.75% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.75% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
6 Month Standard Certificates
$0
4.00% ▲ 0.75% above Texas avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.75% above avgNationally 2.77%
Details

Rate History
1 change since Sep 22, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 22, 2026: 3.70% APYOct 10, 2026: 4.00% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.70%
  • Sep 22, 20263.70%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 6 Months
$2,500
4.00% ▲ 0.75% above Texas avg
View
▼
Rate3.92%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.75% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 18, 2026: 3.50% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
6 Month Jumbo or IRA CD
$25,000
3.92% ▲ 0.67% above Texas avg
View
▼
Rate3.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.67% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
3.16%3.79%4.42%Sep 14, 2026: 3.66% APYOct 13, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.92%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
6 Month Certificates of Deposit (CD)
$0
3.90% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
6 month CD
$1,000
3.90% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
6 Month Certificate
$0
3.90% ▲ 0.65% above Texas avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
Details

Open Account

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 6-month CD
$0
3.90% ▲ 0.65% above Texas avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 14, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
6 Month CDs with opening balances
$0
3.85% ▲ 0.60% above Texas avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.60% above avgNationally 2.77%
Details

$10,000.

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
6-Month Certificate
$1,000
3.85% ▲ 0.60% above Texas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.60% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
6 Month CD
$500
3.85% ▲ 0.60% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.60% above avgNationally 2.77%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 14, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
6 Month Regular or IRA CD
$500
3.82% ▲ 0.57% above Texas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.57% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 13, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
180 Day Certificate
$0
3.80% ▲ 0.55% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.77%
Details

Open Account

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
180 Day Star Certificates of Deposit (CDs)
$0
3.80% ▲ 0.55% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 14, 2026
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5610 Lemmon Ave, Dallas, TX 75209
6-Month CD
$1,000
3.75% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Promotional Rates

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
6 Month Regular CD
$0
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
6 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 22, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 22, 20263.50%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 6 Months
$1,000
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Oct 6, 2026: 3.50% APYOct 10, 2026: 3.75% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Oct 6, 20263.50%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
6-Month CD
$0
3.75% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
6-Month Term
$1,000
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
5950 Berkshire Ln, Dallas, TX 75225
6-month CD
$0
3.65% ▲ 0.40% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
180 Day Certificate of Deposit
$0
3.60% ▲ 0.35% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
2.60%3.35%4.10%Sep 18, 2026: 3.10% APYSep 24, 2026: 3.50% APYOct 2, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.60%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Roth CD - 6 Months
$0
3.60% ▲ 0.35% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details

regular CD only; CDs, Roth IRA and IRA Certificates

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
6 Month Share Certificates
$0
3.50% ▲ 0.25% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
Texas Average3.25%▲ 0.25% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
8201 Preston Rd, Dallas, TX 75225
6-Month CD
$1,000
3.40% ▲ 0.15% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.15% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
6 Month Certificate
$1,000
3.35% ▲ 0.10% above Texas avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.10% above avgNationally 2.77%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 22, 2026: 3.25% APYOct 1, 2026: 3.35% APYSep 22, 2026Oct 14, 2026
  • Oct 1, 20263.35%▲ from 3.25%
  • Sep 22, 20263.25%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
6 Month Certificate
$0
3.30% ▲ 0.05% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.05% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 14, 2026
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
6 Month Share Certificate
$1,000
3.25% At Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%At the averageNationally 2.77%
Details

APY $500: N/A; APY $1,000+: 3.25%; APY $100,000+: 3.35%

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
6 Month Certificates
$0
3.25% At Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%At the averageNationally 2.77%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
6 Month IRA Certificate
$0
3.25% At Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%At the averageNationally 2.77%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
Certificate of Deposit - 6 months
$1,000
3.25% At Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%At the averageNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
6 Month Certificate
$0
3.20% ▼ 0.05% below Texas avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 0.05% below avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
180 Day Certificate of Deposit
$0
3.20% ▼ 0.05% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 0.05% below avgNationally 2.77%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70%
2.20%2.95%3.70%Sep 18, 2026: 2.70% APYSep 27, 2026: 3.10% APYOct 2, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.20%▲ from 3.10%
  • Sep 27, 20263.10%▲ from 2.70%
  • Sep 18, 20262.70%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
6 Month Regular CD
$1,000
3.10% ▼ 0.15% below Texas avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.15% below avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
The Local Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
8787 N Stemmons Fwy Ste 185, Dallas, TX 75247 3721
Share Certificate - 6 Month
$500
3.00% ▼ 0.25% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▼ 0.25% below avgNationally 2.77%
Details

Minimum deposit $500; dividends compounded and paid quarterly; early withdrawal of dividends subject to penalty

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 6 months
$0
2.89% ▼ 0.36% below Texas avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.36% below avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 2.89% ▲ 0.04 pts · high 2.89% / low 2.85%
2.35%2.87%3.39%Sep 18, 2026: 2.85% APYOct 1, 2026: 2.89% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.89%▲ from 2.85%
  • Sep 18, 20262.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 6 months
$0
2.78% ▼ 0.47% below Texas avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.47% below avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 2.74% → 2.78% ▲ 0.04 pts · high 2.78% / low 2.74%
2.24%2.76%3.28%Sep 18, 2026: 2.74% APYOct 1, 2026: 2.78% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.78%▲ from 2.74%
  • Sep 18, 20262.74%first recorded
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
6 Month Certificate
$0
2.70% ▼ 0.55% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 0.55% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 6 months
$0
2.68% ▼ 0.57% below Texas avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.57% below avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 2.64% → 2.68% ▲ 0.04 pts · high 2.68% / low 2.64%
2.14%2.66%3.18%Sep 18, 2026: 2.64% APYOct 1, 2026: 2.68% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.68%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
6 Month IRA Certificate
$500
2.53% ▼ 0.72% below Texas avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.72% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 14, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
6 Month Regular Certificate
$500
2.27% ▼ 0.98% below Texas avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.98% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
6 Month CD
$500
2.25% ▼ 1.00% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 1.00% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
180 Day Certificate
$0
1.50% ▼ 1.75% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 1.75% below avgNationally 2.77%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
IRA CD - 6 Months
$0
1.50% ▼ 1.75% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 1.75% below avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
6 Month Certificate
$1,000
1.50% ▼ 1.75% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 1.75% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026

Dallas 12 Month CD Rates

Texas 12 Month CD Average3.38% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
12-Month IRA
$0
4.60% ▲ 1.22% above Texas avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.22% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month Certificate
$1,000
4.52% ▲ 1.14% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.52% APY · checked 2 times
4.02%4.52%5.02%Oct 8, 2026: 4.52% APYOct 8, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificates - 12 Months
$500
4.39% ▲ 1.01% above Texas avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.01% above avgNationally 2.99%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
3.42%4.15%4.89%Sep 16, 2026: 3.92% APYOct 8, 2026: 4.39% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.39%▲ from 3.92%
  • Sep 16, 20263.92%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.97% above Texas avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
12 month CD
$1,000
4.35% ▲ 0.97% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 10, 2026: 4.35% APYOct 10, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 12-month CD
$0
4.35% ▲ 0.97% above Texas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
12 Month 360 CDs
$0
4.30% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
12 Month CD
$500
4.30% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
12 Month Star Certificates of Deposit (CDs)
$0
4.20% ▲ 0.82% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month IRA & Roth IRA Certificate
$0
4.10% ▲ 0.72% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month Standard Certificates
$0
4.10% ▲ 0.72% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month Traditional & Roth IRA Certificate
$2,500
4.10% ▲ 0.72% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 12 Months
$2,500
4.10% ▲ 0.72% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
12 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.10% ▲ 0.72% above Texas avg
View
▼
Rate4.02%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 22, 2026: 3.80% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 12 Months
$1,000
4.10% ▲ 0.72% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Oct 6, 2026: 3.80% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Oct 6, 20263.80%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
1-year online CDs
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
12 Month Certificate
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
9101 Lbj Freeway Suite 300 20 and 21, Dallas, TX 75243
12 Month CD
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
12 Month Special Promotional Share Certificates
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month FlexPlus
$500
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.70% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.00%▲ from 3.70%
  • Sep 22, 20263.70%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
12 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 22, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 12 Months
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 6, 2026: 3.75% APYOct 10, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Oct 6, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
1-Year CD
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
1-Year Term
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
12 Month Jumbo or IRA CD
$25,000
3.97% ▲ 0.59% above Texas avg
View
▼
Rate3.90%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.59% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.97% ▲ 0.26 pts · high 3.97% / low 3.71%
3.21%3.84%4.47%Sep 14, 2026: 3.71% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.97%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
12 Month CDs with opening balances
$0
3.95% ▲ 0.57% above Texas avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.57% above avgNationally 2.99%
Details

$10,000.

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
12 month Promotional Online CD
$0
3.95% ▲ 0.57% above Texas avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.57% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5610 Lemmon Ave, Dallas, TX 75209
12-Month CD
$1,000
3.95% ▲ 0.57% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.57% above avgNationally 2.99%
Details

Lock in your earnings with fixed-rate CD accounts designed to deliver predictable returns. With flexible CD terms ranging from months to years, you can choose the option that aligns with your financial timeline while taking advantage of some of the best CD rates available. The minimum opening deposit is $1,000, and all CDs are backed by FDIC insurance up to the maximum amount allowed by law.

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
12 Month Share Certificates
$0
3.90% ▲ 0.52% above Texas avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
Texas Average3.38%▲ 0.52% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
Youth/Young Adult 12-Month Certificate
$250
3.90% ▲ 0.52% above Texas avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.52% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 18, 2026: 3.80% APYSep 27, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.90%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
12 Month Regular or IRA CD
$500
3.87% ▲ 0.49% above Texas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.49% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.87% ▲ 0.26 pts · high 3.87% / low 3.61%
3.11%3.74%4.37%Sep 14, 2026: 3.61% APYOct 13, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.87%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
12 Month Certificates of Deposit (CD)
$0
3.85% ▲ 0.47% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.47% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
12-Month Certificate
$1,000
3.85% ▲ 0.47% above Texas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.47% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
12 Month Certificates
$0
3.75% ▲ 0.37% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
12 Month IRA Certificate
$0
3.75% ▲ 0.37% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
12 Month Regular CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
12 Month Certificate
$1,000
3.60% ▲ 0.22% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 22, 2026: 3.55% APYOct 1, 2026: 3.60% APYSep 22, 2026Oct 14, 2026
  • Oct 1, 20263.60%▲ from 3.55%
  • Sep 22, 20263.55%first recorded
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
12 Month Business Certificate
$0
3.60% ▲ 0.22% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Roth CD - 12 Months
$0
3.60% ▲ 0.22% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

CDs, Roth IRA and IRA Certificates

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
7508 Ferguson Rd, Dallas, TX 75228
12 month CD
$500
3.55% ▲ 0.17% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.17% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.55% ▲ 0.55 pts · high 3.55% / low 3.00%
2.45%3.28%4.10%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.50% APYSep 22, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.55%▲ from 3.50%
  • Sep 18, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
7508 Ferguson Rd, Dallas, TX 75228
12 Month Youth CDs
$100
3.55% ▲ 0.17% above Texas avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.17% above avgNationally 2.99%
Details

Term: 12 months - 60 months; Published APY range: 3.55%-3.96%.

Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.55% ▲ 0.55 pts · high 3.55% / low 3.00%
2.45%3.28%4.10%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.50% APYSep 22, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.55%▲ from 3.50%
  • Sep 18, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
12 Month Certificate
$0
3.51% ▲ 0.13% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 24, 2026: 3.51% APYSep 24, 2026Oct 14, 2026
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
1 Year CD
$1,000
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 14, 2026
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
Certificate of Deposit - 12 months
$1,000
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Texans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2241 Irving Blvd, Dallas, TX 75207 6201
12 Month Certificate
$500
3.50% ▲ 0.12% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

APY is accurate as of 02/23/2026. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. 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. If the balance on a $100,000 or more Certificate Account falls below the minimum balance requirements, it will automatically renew at the applicable APY for the same term Certificate Account. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
12 Month No Penalty CD
$0
3.50% ▲ 0.12% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Balance: $25,000 and over; No penalties for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
No Penalty CD - 12 Month
$0
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Balance: $25,000 and over; No penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
12 Month Certificate of Deposit
$0
3.35% ▼ 0.03% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.03% below avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.35% ▲ 0.35 pts · high 3.35% / low 3.00%
2.50%3.18%3.85%Sep 18, 2026: 3.00% APYSep 24, 2026: 3.25% APYOct 2, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.35%▲ from 3.25%
  • Sep 24, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
1 Year IRA Certificate
$1,000
3.30% ▼ 0.08% below Texas avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▼ 0.08% below avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 14, 2026

Dallas 18 Month CD Rates

Texas 18 Month CD Average3.27% APYNational 2.88%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
18 Month CD
$500
4.35% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
18 Month 360 CDs
$0
4.30% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 1.03% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
18 Month Star Certificates of Deposit (CDs)
$0
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
18 Month IRA & Roth IRA Certificate
$0
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
18 Month Standard Certificates
$0
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 22, 2026: 3.75% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
18 Month Traditional & Roth IRA Certificate
$2,500
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 18 Months
$2,500
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 18, 2026: 3.60% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
18 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.88%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 22, 2026: 3.80% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 18 Months
$1,000
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Oct 6, 2026: 3.80% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Oct 6, 20263.80%first recorded
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
500 N Akard St, Dallas, TX 75201
18-month CD
$0
4.00% ▲ 0.73% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
Details

Special promotional rate.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
18 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 22, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 18 Months
$1,000
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 6, 2026: 3.75% APYOct 10, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Oct 6, 20263.75%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
18 month CD
$1,000
4.00% ▲ 0.73% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 18-month CD
$0
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
18-Month Certificate
$1,000
3.80% ▲ 0.53% above Texas avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.53% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 18, 2026: 3.70% APYSep 27, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
Certificate of Deposit - 18 month
$1,000
3.75% ▲ 0.48% above Texas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.43% above Texas avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
18 Month Certificates of Deposit (CD)
$0
3.70% ▲ 0.43% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
18 Month Regular CD
$0
3.70% ▲ 0.43% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.88%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
18 Month Certificate
$0
3.60% ▲ 0.33% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
18 Month CDs with opening balances
$0
3.60% ▲ 0.33% above Texas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.88%
Details

$10,000.

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
18 Month CD
$1,000
3.60% ▲ 0.33% above Texas avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.88%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 4, 2026: 3.60% APYOct 4, 2026Oct 14, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
18 Mos. CD
$0
3.50% ▲ 0.23% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.88%
Details

includes IRA

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Jumbo Certificate Of Deposit (CD) - 18 Mos. CD (includes IRA)
$0
3.50% ▲ 0.23% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.49% ▲ 0.22% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.28% → 3.49% ▲ 0.21 pts · high 3.49% / low 3.28%
2.78%3.39%3.99%Sep 18, 2026: 3.28% APYOct 1, 2026: 3.49% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.49%▲ from 3.28%
  • Sep 18, 20263.28%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
18 Month Certificate
$0
3.46% ▲ 0.19% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 18 months
$0
3.39% ▲ 0.12% above Texas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.12% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.18% → 3.39% ▲ 0.21 pts · high 3.39% / low 3.18%
2.68%3.29%3.89%Sep 18, 2026: 3.18% APYOct 1, 2026: 3.39% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.39%▲ from 3.18%
  • Sep 18, 20263.18%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 18 months
$0
3.29% ▲ 0.02% above Texas avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.02% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.07% → 3.29% ▲ 0.22 pts · high 3.29% / low 3.07%
2.57%3.18%3.79%Sep 18, 2026: 3.07% APYOct 1, 2026: 3.29% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.29%▲ from 3.07%
  • Sep 18, 20263.07%first recorded
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
18 Month Share Certificates
$0
3.25% ▼ 0.02% below Texas avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
Texas Average3.27%▼ 0.02% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
18 Month Certificate
$0
2.90% ▼ 0.37% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 0.37% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
18-Month CD
$0
2.75% ▼ 0.52% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▼ 0.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
18-Month Term
$1,000
2.75% ▼ 0.52% below Texas avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▼ 0.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
18 Month Certificate
$0
1.50% ▼ 1.77% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
IRA CD - 18 Months
$0
1.50% ▼ 1.77% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
18 Month Certificate
$1,000
1.50% ▼ 1.77% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
18 Month Jumbo CD
$90,000
1.50% ▼ 1.77% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
18 Month Standard CD
$1,000
1.50% ▼ 1.77% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificate of Deposit - 18 Months
$90,000
1.50% ▼ 1.77% below Texas avg
View
▼
Rate1.49%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo IRA / SEPP - 18 Months
$90,000
1.50% ▼ 1.77% below Texas avg
View
▼
Rate1.49%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
Variable - 18 Months
$100
1.50% ▼ 1.77% below Texas avg
View
▼
Rate1.49%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
18 Month Variable IRA
$0
0.90% ▼ 2.37% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 2.37% below avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 2, 2026: 0.90% APYOct 2, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
18 Month IRA Certificates
$0
0.75% ▼ 2.52% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▼ 2.52% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
18 Month Standard CD
$0
0.75% ▼ 2.52% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▼ 2.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
18 Month Certificate of Deposit
$0
0.03% ▼ 3.24% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.24% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
18 Month Certificate of Deposit
$0
0.02% ▼ 3.25% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.25% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
18 Month CD
$500
0.02% ▼ 3.25% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.25% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
18 Month Certificate of Deposit
$0
0.01% ▼ 3.26% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.26% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 - 18 Month Super Flex Term CD Special
$0
4.65% ▲ 1.38% above Texas avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.38% above avgNationally 2.88%
Details

Specials

Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 9, 2026: 4.65% APYOct 9, 2026Oct 14, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month CD
$0
4.50% ▲ 1.23% above Texas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded

Dallas 24 Month CD Rates

Texas 24 Month CD Average3.22% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
24-Month IRA
$0
4.81% ▲ 1.59% above Texas avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.59% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificates - 24 Months
$500
4.55% ▲ 1.33% above Texas avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.33% above avgNationally 2.88%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
3.58%4.31%5.05%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.55% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.55%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
24 Month CD
$500
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
24 Month 360 CDs
$0
4.30% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
24 month CD
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 10, 2026: 4.30% APYOct 10, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 24-month CD
$0
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8303 Douglas Ave, Dallas, TX 75225
24-month CD
$0
4.25% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
24 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 24 Months
$1,000
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Oct 6, 2026: 3.90% APYOct 10, 2026: 4.20% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Oct 6, 20263.90%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
24 Month Jumbo or IRA CD
$25,000
4.18% ▲ 0.96% above Texas avg
View
▼
Rate4.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.96% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
24 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 22, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 22, 20263.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 24 Months
$1,000
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 6, 2026: 3.85% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Oct 6, 20263.85%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
24 Month Regular or IRA CD
$500
4.07% ▲ 0.85% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
3.26%3.92%4.57%Sep 14, 2026: 3.76% APYOct 13, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.07%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.89% ▲ 0.67% above Texas avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.67% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60%
3.10%3.75%4.39%Sep 18, 2026: 3.60% APYOct 1, 2026: 3.89% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.89%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.78% ▲ 0.56% above Texas avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49%
2.99%3.64%4.28%Sep 18, 2026: 3.49% APYOct 1, 2026: 3.78% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.78%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
2 Year CD
$1,000
3.75% ▲ 0.53% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.88%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 2 years
$0
3.68% ▲ 0.46% above Texas avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.39% → 3.68% ▲ 0.29 pts · high 3.68% / low 3.39%
2.89%3.54%4.18%Sep 18, 2026: 3.39% APYOct 1, 2026: 3.68% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.68%▲ from 3.39%
  • Sep 18, 20263.39%first recorded
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
24 Month IRA Certificate
$500
3.66% ▲ 0.44% above Texas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
24-Month Certificate
$1,000
3.65% ▲ 0.43% above Texas avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
24 Month Certificate
$0
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Open Account

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
24 Month Star Certificates of Deposit (CDs)
$0
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
24 Month Certificates of Deposit (CD)
$0
3.60% ▲ 0.38% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
24 Month Regular CD
$0
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
24 Month Certificate
$1,000
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.88%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 22, 2026: 3.50% APYOct 1, 2026: 3.55% APYSep 22, 2026Oct 14, 2026
  • Oct 1, 20263.55%▲ from 3.50%
  • Sep 22, 20263.50%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
24 Month Certificate
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
24 Month Certificates
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
24 Month IRA Certificate
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
Certificate of Deposit - 24 months
$1,000
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
24 Month Business Certificate
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Roth CD - 24 Months
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

CDs, Roth IRA and IRA Certificates

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
2 Year IRA Certificate
$1,000
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
24 Month Certificate
$0
3.41% ▲ 0.19% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
24 Month Regular Certificate
$500
3.40% ▲ 0.18% above Texas avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.18% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
24 Month Regular CD
$1,000
3.30% ▲ 0.08% above Texas avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificate 2 Year
$0
3.25% ▲ 0.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
2 Year Certificate
$0
3.20% ▼ 0.02% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.02% below avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
24 Month CD
$25,000
3.20% ▼ 0.02% below Texas avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▼ 0.02% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
24 Month Certificate
$1,000
3.20% ▼ 0.02% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▼ 0.02% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 8, 2026: 3.20% APYOct 8, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
2 Year IRA Certificate
$0
3.10% ▼ 0.12% below Texas avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.88%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
24 Month Certificate of Deposit
$0
3.10% ▼ 0.12% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 2.90% → 3.10% ▲ 0.20 pts · high 3.10% / low 2.90%
2.40%3.00%3.60%Sep 18, 2026: 2.90% APYSep 24, 2026: 3.00% APYOct 2, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.10%▲ from 3.00%
  • Sep 24, 20263.00%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
2 Year Share Certificates
$0
3.00% ▼ 0.22% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
24 Month CDs with opening balances
$0
2.75% ▼ 0.47% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.47% below avgNationally 2.88%
Details

$10,000.

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
24 Month Certificate of Deposit
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40%
1.90%2.50%3.10%Sep 18, 2026: 2.40% APYSep 27, 2026: 2.50% APYOct 2, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20262.60%▲ from 2.50%
  • Sep 27, 20262.50%▲ from 2.40%
  • Sep 18, 20262.40%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
24 Month Fixed IRA
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 2, 2026: 2.60% APYOct 2, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
2 Year CD
$500
2.25% ▼ 0.97% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.97% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Faith Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.43%
2020 W Wheatland Rd, Dallas, TX 75232 4517
2 Year Certificate
$0
2.00% ▼ 1.22% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▼ 1.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
The Local Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
8787 N Stemmons Fwy Ste 185, Dallas, TX 75247 3721
Share Certificate - 24 Month
$500
2.00% ▼ 1.22% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▼ 1.22% below avgNationally 2.88%
Details

Minimum deposit $500; dividends compounded and paid quarterly; early withdrawal of dividends subject to penalty

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
1441 N Beckley Ave, Dallas, TX 75203 1201
24 Month Certificates of Deposit - Share and IRA
$500
1.76% ▼ 1.46% below Texas avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▼ 1.46% below avgNationally 2.88%
Details

Minimum Balance to Open and Earn APY - $500; Dividend rates fixed from purchase date until maturity; Dividend penalty for early withdrawal

Rate History
No change since Oct 12, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 12, 2026: 1.76% APYOct 12, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
2 Year Certificate
$0
1.50% ▼ 1.72% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 1.72% below avgNationally 2.88%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026

Dallas 36 Month CD Rates

Texas 36 Month CD Average3.14% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
36-Month IRA
$0
5.02% ▲ 1.88% above Texas avg
View
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.88% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 5.02% APY
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificates - 36 Months
$500
4.71% ▲ 1.57% above Texas avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.57% above avgNationally 2.81%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
3.55%4.42%5.29%Sep 16, 2026: 4.13% APYOct 8, 2026: 4.71% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.71%▲ from 4.13%
  • Sep 16, 20264.13%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
36 Month 360 CDs
$0
4.30% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 3 years
$0
4.24% ▲ 1.10% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
3.41%4.08%4.74%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.24% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.24%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
36 Month Jumbo or IRA CD
$25,000
4.23% ▲ 1.09% above Texas avg
View
▼
Rate4.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.09% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
3.42%4.08%4.73%Sep 14, 2026: 3.92% APYOct 13, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.23%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
36 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 1.06% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 36 Months
$1,000
4.20% ▲ 1.06% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Oct 6, 2026: 3.90% APYOct 10, 2026: 4.20% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Oct 6, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.01% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
36 Month IRA & Roth IRA Certificate
$0
4.15% ▲ 1.01% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
36 Month Standard Certificates
$0
4.15% ▲ 1.01% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 22, 2026: 3.75% APYOct 10, 2026: 4.15% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.15%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
36 Month Traditional & Roth IRA Certificate
$2,500
4.15% ▲ 1.01% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 36 Months
$2,500
4.15% ▲ 1.01% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.15%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
4.14% ▲ 1.00% above Texas avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.00% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
3.30%3.97%4.64%Sep 18, 2026: 3.80% APYOct 1, 2026: 4.14% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.14%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
36 Month Regular or IRA CD
$500
4.13% ▲ 0.99% above Texas avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.99% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYOct 13, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.13%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 0.96% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
36 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.10% ▲ 0.96% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 22, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 22, 20263.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 36 Months
$1,000
4.10% ▲ 0.96% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 6, 2026: 3.85% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Oct 6, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 3 years
$0
4.03% ▲ 0.89% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.89% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70%
3.20%3.87%4.53%Sep 18, 2026: 3.70% APYOct 1, 2026: 4.03% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.03%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
3 Year CD
$1,000
4.00% ▲ 0.86% above Texas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.14%▲ 0.86% above avgNationally 2.81%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 14, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
36 Month IRA Certificate
$500
3.92% ▲ 0.78% above Texas avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 6 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
36 Month Regular Certificate
$500
3.66% ▲ 0.52% above Texas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
36 Month Regular CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
7508 Ferguson Rd, Dallas, TX 75228
36 month CD
$500
3.60% ▲ 0.46% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.60% ▲ 0.55 pts · high 3.60% / low 3.05%
2.50%3.33%4.15%Sep 14, 2026: 3.05% APYSep 18, 2026: 3.55% APYSep 22, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.60%▲ from 3.55%
  • Sep 18, 20263.55%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
36 Month Certificate
$1,000
3.55% ▲ 0.41% above Texas avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.41% above avgNationally 2.81%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
2.95%3.50%4.05%Sep 22, 2026: 3.45% APYOct 1, 2026: 3.55% APYSep 22, 2026Oct 14, 2026
  • Oct 1, 20263.55%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
3 Year IRA Certificate
$1,000
3.55% ▲ 0.41% above Texas avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.41% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
36 Month Certificate
$0
3.50% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
36 Month Business Certificate
$0
3.50% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Roth CD - 36 Months
$0
3.50% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

CDs, Roth IRA and IRA Certificates

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
36-Month Certificate
$1,000
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
36 Month CD
$500
3.50% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
36 Month Certificate
$0
3.41% ▲ 0.27% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
36 Month Certificates of Deposit (CD)
$0
3.40% ▲ 0.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificate 3 Year
$0
3.25% ▲ 0.11% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
36 Month Certificates
$0
3.25% ▲ 0.11% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.11% above avgNationally 2.81%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
36 Month IRA Certificate
$0
3.25% ▲ 0.11% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.11% above avgNationally 2.81%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
3 Year Certificate
$0
3.20% ▲ 0.06% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.06% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
36 Month CD
$25,000
3.20% ▲ 0.06% above Texas avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.06% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
36 Month Certificate
$1,000
3.20% ▲ 0.06% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.06% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 8, 2026: 3.20% APYOct 8, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
3 Year IRA Certificate
$0
3.10% ▼ 0.04% below Texas avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 0.04% below avgNationally 2.81%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
3 Year Share Certificates
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
36 Month CDs with opening balances
$0
2.65% ▼ 0.49% below Texas avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 0.49% below avgNationally 2.81%
Details

$10,000.

Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 6 times
2.15%2.65%3.15%Sep 18, 2026: 2.65% APYSep 18, 2026Oct 14, 2026
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
1441 N Beckley Ave, Dallas, TX 75203 1201
36 Month Certificates of Deposit - Share and IRA
$500
2.01% ▼ 1.13% below Texas avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▼ 1.13% below avgNationally 2.81%
Details

Minimum Balance to Open and Earn APY - $500; Dividend rates fixed from purchase date until maturity; Dividend penalty for early withdrawal

Rate History
No change since Oct 12, 2026 · 2.01% APY
1.51%2.01%2.51%Oct 12, 2026: 2.01% APYOct 12, 2026Oct 14, 2026
The Local Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
8787 N Stemmons Fwy Ste 185, Dallas, TX 75247 3721
Share Certificate - 36 Month
$500
2.00% ▼ 1.14% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▼ 1.14% below avgNationally 2.81%
Details

Minimum deposit $500; dividends compounded and paid quarterly; early withdrawal of dividends subject to penalty

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
3 Year Certificate
$0
1.50% ▼ 1.64% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.81%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
IRA CD - 3 Years
$0
1.50% ▼ 1.64% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
36 Month Jumbo CD
$90,000
1.50% ▼ 1.64% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
36 Month Standard CD
$1,000
1.50% ▼ 1.64% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
3 Year CD
$500
1.40% ▼ 1.74% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.74% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
36 Month IRA Certificates
$0
0.75% ▼ 2.39% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 2.39% below avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
36 Month Standard CD
$0
0.75% ▼ 2.39% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 2.39% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026

Dallas 48 Month CD Rates

Texas 48 Month CD Average3.04% APYNational 2.80%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47% ▲ 1.43% above Texas avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.43% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
3.62%4.30%4.97%Sep 18, 2026: 4.12% APYOct 1, 2026: 4.47% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.47%▲ from 4.12%
  • Sep 18, 20264.12%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.36% ▲ 1.32% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 18, 2026: 4.01% APYOct 1, 2026: 4.36% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.36%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
48 Month 360 CDs
$0
4.30% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
48 Month Jumbo or IRA CD
$25,000
4.28% ▲ 1.24% above Texas avg
View
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYOct 13, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 4 years
$0
4.26% ▲ 1.22% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
3.41%4.09%4.76%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.26% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.26%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
48 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 1.16% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.80%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 48 Months
$1,000
4.20% ▲ 1.16% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.80%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Oct 6, 2026: 3.90% APYOct 10, 2026: 4.20% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Oct 6, 20263.90%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
48 Month Regular or IRA CD
$500
4.18% ▲ 1.14% above Texas avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
48 Month IRA & Roth IRA Certificate
$0
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
48 Month Standard Certificates
$0
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.80%
Details

Rate History
1 change since Sep 22, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 22, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 22, 20263.70%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
48 Month Traditional & Roth IRA Certificate
$2,500
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 48 Months
$2,500
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
48 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.10% ▲ 1.06% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.80%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 22, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 22, 20263.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 48 Months
$1,000
4.10% ▲ 1.06% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.80%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 6, 2026: 3.85% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Oct 6, 20263.85%first recorded
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
4 Year CD
$1,000
4.00% ▲ 0.96% above Texas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.04%▲ 0.96% above avgNationally 2.80%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 14, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
48 Month IRA Certificate
$500
3.97% ▲ 0.93% above Texas avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.93% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.97% ▲ 0.41 pts · high 3.97% / low 3.56%
3.06%3.77%4.47%Sep 14, 2026: 3.56% APYOct 10, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.97%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
48 Month Regular Certificate
$500
3.71% ▲ 0.67% above Texas avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.67% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.71% ▲ 0.41 pts · high 3.71% / low 3.30%
2.80%3.51%4.21%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.71%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
4 Year IRA Certificate
$1,000
3.65% ▲ 0.61% above Texas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.61% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
48 Month Regular CD
$0
3.60% ▲ 0.56% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.56% above avgNationally 2.80%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
48 Month Certificate
$0
3.50% ▲ 0.46% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
48 Month Certificate
$1,000
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 22, 2026: 3.40% APYOct 1, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
  • Oct 1, 20263.50%▲ from 3.40%
  • Sep 22, 20263.40%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
48 Month Certificate
$0
3.41% ▲ 0.37% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.37% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
48 Month Business Certificate
$0
3.40% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Roth CD - 48 Months
$0
3.40% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.36% above avgNationally 2.80%
Details

CDs, Roth IRA and IRA Certificates

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
48 Month Certificates of Deposit (CD)
$0
3.35% ▲ 0.31% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificate 4 Year
$0
3.25% ▲ 0.21% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.21% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
48 Month Certificates
$0
3.25% ▲ 0.21% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.21% above avgNationally 2.80%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
48 Month IRA Certificate
$0
3.25% ▲ 0.21% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.21% above avgNationally 2.80%
Details

Balance: $500 - $100,000+

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
Certificate of Deposit - 48 months
$1,000
3.25% ▲ 0.21% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.21% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
48-Month Certificate
$1,000
3.25% ▲ 0.21% above Texas avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.21% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
4 Year Certificate
$0
3.20% ▲ 0.16% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.16% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
48 Month CD
$25,000
3.20% ▲ 0.16% above Texas avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.16% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
48 Month Certificate
$1,000
3.20% ▲ 0.16% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.16% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 8, 2026: 3.20% APYOct 8, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
4 Year IRA Certificate
$0
3.10% ▲ 0.06% above Texas avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.06% above avgNationally 2.80%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
4 Year Share Certificates
$0
3.00% ▼ 0.04% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
Texas Average3.04%▼ 0.04% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
48 Month CD
$500
2.75% ▼ 0.29% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 6, 2026: 2.75% APYOct 6, 2026Oct 14, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
48 Month CDs with opening balances
$0
2.55% ▼ 0.49% below Texas avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 0.49% below avgNationally 2.80%
Details

$10,000.

Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 6 times
2.05%2.55%3.05%Sep 18, 2026: 2.55% APYSep 18, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
4 Year Certificate
$0
1.50% ▼ 1.54% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 1.54% below avgNationally 2.80%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
IRA CD - 4 Years
$0
1.50% ▼ 1.54% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 1.54% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
4 Year CD
$500
1.15% ▼ 1.89% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 1.89% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
48 Month IRA Certificates
$0
0.75% ▼ 2.29% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.29% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
48 Month Standard CD
$0
0.75% ▼ 2.29% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.29% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
4-Year CD
$0
0.50% ▼ 2.54% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.54% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
4-Year Term
$1,000
0.50% ▼ 2.54% below Texas avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.54% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
4-Year RampUp
$50,000
0.25% ▼ 2.79% below Texas avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.79% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
4 Year CD
$500
0.15% ▼ 2.89% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 2.89% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
48 Month Certificate of Deposit
$0
0.03% ▼ 3.01% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.01% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
48 Month Certificate of Deposit
$0
0.02% ▼ 3.02% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.02% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
48 Month Certificate of Deposit
$0
0.01% ▼ 3.03% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.03% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.60% ▲ 1.56% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.56% above avgNationally 2.80%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 14, 2026

Dallas 60 Month CD Rates

Texas 60 Month CD Average3.10% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 1.77% above Texas avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.77% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.76% ▲ 1.66% above Texas avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.66% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
3.89%4.57%5.26%Sep 18, 2026: 4.39% APYOct 1, 2026: 4.76% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.76%▲ from 4.39%
  • Sep 18, 20264.39%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 5 years
$0
4.66% ▲ 1.56% above Texas avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.56% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
3.78%4.47%5.16%Sep 18, 2026: 4.28% APYOct 1, 2026: 4.66% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.66%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
60 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.35% ▲ 1.25% above Texas avg
View
▼
Rate4.26%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.25% above avgNationally 2.91%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 22, 2026: 4.00% APYOct 10, 2026: 4.35% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 60 Months
$1,000
4.35% ▲ 1.25% above Texas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.25% above avgNationally 2.91%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
60 Month Jumbo or IRA CD
$25,000
4.33% ▲ 1.23% above Texas avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.23% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
3.52%4.18%4.83%Sep 14, 2026: 4.02% APYOct 13, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.33%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
60 Month 360 CDs
$0
4.30% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 1.20% above avgNationally 2.91%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
60 Month IRA & Roth IRA Certificate
$0
4.25% ▲ 1.15% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
60 Month Standard Certificates
$0
4.25% ▲ 1.15% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details

Rate History
1 change since Sep 22, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
3.05%3.95%4.85%Sep 22, 2026: 3.65% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.65%
  • Sep 22, 20263.65%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
60 Month Traditional & Roth IRA Certificate
$2,500
4.25% ▲ 1.15% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 60 Months
$2,500
4.25% ▲ 1.15% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
3.05%3.95%4.85%Sep 18, 2026: 3.65% APYOct 10, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
60 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.25% ▲ 1.15% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 22, 2026: 3.95% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Sep 22, 20263.95%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
Term Share Certificate/Certificate of Deposit - 60 Months
$1,000
4.25% ▲ 1.15% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Oct 6, 2026: 3.95% APYOct 10, 2026: 4.25% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Oct 6, 20263.95%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
60 Month Regular or IRA CD
$500
4.23% ▲ 1.13% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.13% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
3.42%4.08%4.73%Sep 14, 2026: 3.92% APYOct 13, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.23%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
60 Month IRA Certificate
$500
4.07% ▲ 0.97% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.97% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 4.07% ▲ 0.56 pts · high 4.07% / low 3.51%
2.95%3.79%4.63%Sep 14, 2026: 3.51% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
5 Year CD
$1,000
4.00% ▲ 0.90% above Texas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.10%▲ 0.90% above avgNationally 2.91%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 14, 2026
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
7508 Ferguson Rd, Dallas, TX 75228
60 month CD
$500
3.96% ▲ 0.86% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.86% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 3.15% → 3.96% ▲ 0.81 pts · high 3.96% / low 3.15%
2.34%3.55%4.77%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.90% APYSep 22, 2026: 3.96% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.96%▲ from 3.90%
  • Sep 18, 20263.90%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.80% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.75% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.75% above avgNationally 2.91%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
60 Month Regular Certificate
$500
3.82% ▲ 0.72% above Texas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.72% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.82% ▲ 0.57 pts · high 3.82% / low 3.25%
2.68%3.54%4.39%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.82%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
5 Year IRA Certificate
$1,000
3.70% ▲ 0.60% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.60% above avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 22, 2026: 3.70% APYSep 22, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
5-year online CDs
$0
3.60% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.50% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
60 Month Certificate
$0
3.60% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.50% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
60 Month Regular CD
$0
3.60% ▲ 0.50% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.50% above avgNationally 2.91%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
60 Month Certificate
$1,000
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 22, 2026: 3.40% APYOct 1, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
  • Oct 1, 20263.50%▲ from 3.40%
  • Sep 22, 20263.40%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
60 Month Certificate
$0
3.41% ▲ 0.31% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.31% above avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
60 Month Business Certificate
$0
3.40% ▲ 0.30% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.30% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Roth CD - 60 Months
$0
3.40% ▲ 0.30% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.30% above avgNationally 2.91%
Details

CDs, Roth IRA and IRA Certificates

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
60 Month Certificates of Deposit (CD)
$0
3.25% ▲ 0.15% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.15% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificate 5 Year
$0
3.25% ▲ 0.15% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 0.15% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
Certificate of Deposit - 36 & 60 months
$1,000
3.25% ▲ 0.15% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.15% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
60-Month Certificate
$1,000
3.25% ▲ 0.15% above Texas avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.15% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
5 Year Certificate
$0
3.20% ▲ 0.10% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.10% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
60 Month CD
$25,000
3.20% ▲ 0.10% above Texas avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 0.10% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
60 Month Certificate
$1,000
3.20% ▲ 0.10% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 0.10% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 8, 2026: 3.20% APYOct 8, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
5 Year IRA Certificate
$0
3.10% At Texas avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%At the averageNationally 2.91%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
5 Year Share Certificates
$0
3.00% ▼ 0.10% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
Texas Average3.10%▼ 0.10% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
60 Month CD
$500
2.75% ▼ 0.35% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▼ 0.35% below avgNationally 2.91%
Details

Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 6, 2026: 2.75% APYOct 6, 2026Oct 14, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
60 Month CDs with opening balances
$0
2.50% ▼ 0.60% below Texas avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 0.60% below avgNationally 2.91%
Details

$10,000.

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
5 Year Certificate
$0
1.50% ▼ 1.60% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 1.60% below avgNationally 2.91%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
IRA CD - 5 Years
$0
1.50% ▼ 1.60% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 1.60% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
60 Month Jumbo CD
$90,000
1.50% ▼ 1.60% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 1.60% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
60 Month Standard CD
$1,000
1.50% ▼ 1.60% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 1.60% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
5 Year CD
$500
1.25% ▼ 1.85% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 1.85% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
60 Month IRA Certificates
$0
0.75% ▼ 2.35% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▼ 2.35% below avgNationally 2.91%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
60 Month Standard CD
$0
0.75% ▼ 2.35% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▼ 2.35% below avgNationally 2.91%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
5-Year CD
$0
0.50% ▼ 2.60% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▼ 2.60% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
5-Year Term
$1,000
0.50% ▼ 2.60% below Texas avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▼ 2.60% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
60 Month Business Fixed Rate Certificates of Deposit
$0
0.35% ▼ 2.75% below Texas avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 2.75% below avgNationally 2.91%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 14, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
60 Month Fixed Rate Certificates of Deposit
$0
0.35% ▼ 2.75% below Texas avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 2.75% below avgNationally 2.91%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Dallas, Texas Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
T Bank
12 Month Certificate
B+ 4.8 ★ TX: 17.09%
Min: $1,000
4.52%
Vio Bank
24 Month CD
A+ 5.0 ★ TX: 4.93%
Min: $500
4.40%
Bask Bank
12 month CD
A+ 5.0 ★ TX: 3.64%
Min: $1,000
4.35%
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.30%
CU Top 5 Credit Union Rates
National Police Federal Credit Union
36-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
5.02%
Advancial Federal Credit Union
Regular, IRA & Business Jumbo Certificates - 5 years
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
GREATER TEXAS
60 Month IRA Term Share Accounts/Certificates of Deposit
A+ 5.0 ★ TX: 5.54%
Min: $95,000
4.35%
Libertyone Credit Union
60 Month Jumbo or IRA CD
A 5.0 ★ TX: 8.30%
Min: $25,000
4.33%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

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
3.382%
▲ 0.016 vs 7 days ago

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

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

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

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

TX CD Rate Forecast, Next 12 Months

Where are Texas CD rates headed through October 2027?

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

TX 12-Month Avg APY
3.382%
6-Month Forecast
3.382%
Range: 3.18%, 3.53%
12-Month Forecast
3.632%
Range: 3.43%, 3.78%

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

Spread model: The Texas 12-month CD average currently trades 0.99% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at TX CD Rates Today

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

CD Term TX Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.495% $124.77 $249.53 $623.82 $1,247.65
6-Month CD 3.253% $162.67 $325.34 $813.35 $1,626.70
12-Month CD 3.382% $169.10 $338.20 $845.50 $1,691.00
18-Month CD 3.268% $163.42 $326.83 $817.07 $1,634.15
24-Month CD 3.221% $161.05 $322.11 $805.27 $1,610.55
36-Month CD 3.141% $157.02 $314.05 $785.12 $1,570.25
48-Month CD 3.038% $151.91 $303.82 $759.55 $1,519.10
60-Month CD 3.097% $154.83 $309.66 $774.15 $1,548.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

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 2.495% $124.77
2 6-Month CD $5,000 3.253% $162.67
3 12-Month CD $5,000 3.382% $169.10
4 24-Month CD $5,000 3.221% $161.05
5 36-Month CD $5,000 3.141% $157.02
Total ($25,000 invested) $25,000 3.098% blended $774.61/yr

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

Powered byMonitorBankRates
3,533
CD Rates
Tracked in Dallas, Texas
49 Banks 80 Credit Unions

About Our Dallas, Texas CD Rate Database

MonitorBankRates tracks 3,533 CD rates from 49 banks and 80 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: National Police Federal Credit Union offers a CD at 5.02% 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 80 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: 129 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
$145/yr
At TX 12-mo avg 3.382% 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 3.382%, saving 10% of the local median salary ($4,298/year) and putting it in a CD would earn an additional $145 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in 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, Capital One Bank is offering its 6 Month 360 CDs at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% 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:
  • National Police Federal Credit Union: 5.02% APY (36-Month IRA)
  • Advancial Federal Credit Union: 4.87% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • T Bank: 4.52% APY (12 Month Certificate)
  • Vio Bank: 4.40% APY (24 Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • GREATER TEXAS: 4.35% APY (60 Month IRA Term Share Accounts/Certificates of Deposit)
  • Bask Bank: 4.35% APY (12 month CD)
  • Libertyone Credit Union: 4.33% APY (60 Month Jumbo or IRA CD)
  • Capital One Bank: 4.30% APY (12 Month 360 CDs)
Rates reflect recent verified offers available in Dallas, Texas. Last Updated: October 13, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Dallas, Texas CD Rates by Term

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

CD Calculators for Dallas, Texas

Dallas, Texas CD Calculator

At today’s TX top rate of 5.02% APY, a $10,000 deposit earns $502 in the first year. Enter your amount to see your exact return.

Dallas, Texas CD Ladder

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

Early Withdrawal Penalty

Before locking into a Dallas, Texas CD at 5.02% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Texas’s average 12-month CD is 3.382% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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: October 13, 2026

Dallas, Texas Rates & Resources

$
Dallas, Texas Mortgage Rates
$
Dallas, Texas Refinance Rates
$
Dallas, Texas Home Equity Loan Rates
$
Dallas, Texas Savings Rates
$
Dallas, Texas Money Market Rates
$
Dallas, Texas Checking Rates
$
Dallas, Texas Auto Loan Rates
$
Dallas, Texas Personal Loan Rates
$
Dallas, Texas Homeowners Insurance
$
Dallas, Texas Car Insurance