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Dallas, Texas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Current Dallas, Texas CD rates include ADVANCIALADVANCIAL10000 N Central Expy Ste 1400, Dallas, TX 75231 2319A5.0 ★Texas Ratio: 10.42%Real return: +1.69%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY, Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union13465 Midway Rd Ste 104, Dallas, TX 75244 5105A+5.0 ★Texas Ratio: 3.62%Real return: +1.54%APY minus CPI (February 2026) offering 24-Month IRA at 4.34% APY, Austin Capital BankAustin Capital Bank9101 Lbj Freeway Suite 300 20 and 21, Dallas, TX 75243A+5.0 ★Texas Ratio: 2.96%Real return: +1.52%APY minus CPI (February 2026) offering 3 Month CD at 4.32% APY, Capital One BankCapital One Bank14651 Dallas Pkwy, Dallas, TX 75254A5.0 ★Texas Ratio: 7.01%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month 360 CDs at 4.30% APY, and Texas Capital BankTexas Capital Bank2000 Mckinney Ave, Dallas, TX 75201A+5.0 ★Texas Ratio: 3.65%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Certificate at 4.25% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Dallas has 344 local institutions in our database, with CD rates as high as 4.49% APY from ADVANCIAL at 10000 N Central Expy Ste 1400, Dallas, TX 75231 2319. 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: September 22, 2026
Compare Best CD Rates in Dallas, Texas & the Surrounding Area
Dallas 3 Month CD Rates
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
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details
UP to $99,999.99
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
3-Month HYRC Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details
High-Yield Rewards Checking Account required
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
90 Day Certificate
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
90 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.74% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
90 Day Certificate Of Deposit (CD)
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.74% above avg
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
90 Day Jumbo Certificate Of Deposit (CD)
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.74% above avg
Details
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%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
3-Month Certificate
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
3 Month Share Certificates
$0
3.72%
▲ 1.66% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.06%▲ 1.66% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Certificate of Deposit
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Balance: $500,000+; $500,000+ minimum balance
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Jumbo CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Annual Percentage Yield effective as of 09/18/2026. Fees or withdrawals could reduce the earnings on the account. Penalty may be imposed for early withdrawal. For CDs of $500,000 and over.
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%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Certificate of Deposit
$0
3.35%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.29% above avg
Details
Balance: $100,000 and over
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Certificate of Deposit
$0
3.05%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Balance: $1,000 to $99,999.99
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
3 Month Jumbo CD
$90,000
3.05%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificates of Deposit - 3 Months
$90,000
3.05%
▲ 0.99% above national avg
▼
Rate3.02%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
3 Month Standard CD
$1,000
2.85%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
APY*
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
3 Months Certificate of Deposit
$1,000
2.85%
▲ 0.79% above national avg
▼
Rate2.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
3 Month CDs with opening balances of
$0
2.70%
▲ 0.64% above national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.64% above avg
Details
$10,000.
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.55%
▲ 0.49% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.49% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.45%
▲ 0.39% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.39% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 3 months
$0
2.34%
▲ 0.28% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.28% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
3 Month IRA Certificate
$500
1.76%
▼ 0.30% below national avg
▼
Rate1.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.30% below avg
Details
APY= Annual Percentage Yield. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
3 Month Regular Certificate
$500
1.51%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.55% below avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
3 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.31% below avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
3 Month Term Share Certificate/Certificate of Deposit
$1,000
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.31% below avg
Details
JUMBO $95,000+
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%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
$90,000 +
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%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Balance: $90,000 +
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1445 Ross Ave, Dallas, TX 75202
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
90 Day Standard CD Products
$0
0.06%
▼ 2.00% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Balance: Under $100,000
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1445 Ross Ave, Dallas, TX 75202
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
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%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
$1,000 +
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
5.10%
▲ 3.04% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 3.04% above avg
Details
$50,000+
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
4.84%
▲ 2.78% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.78% above avg
Details
$1,000 - $49,999
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.30%
▲ 2.24% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.24% above avg
Details
$1,000,000.00+
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$250,001
4.23%
▲ 2.17% above national avg
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.17% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.20%
▲ 2.14% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.14% above avg
Details
$250,000.00 - $999,999.99
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$100,001
4.18%
▲ 2.12% above national avg
▼
Rate4.10%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.12% above avg
Details
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificates of Deposit
$0
4.18%
▲ 2.12% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 2.12% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$50,001
4.13%
▲ 2.07% above national avg
▼
Rate4.05%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$250,001
4.13%
▲ 2.07% above national avg
▼
Rate4.05%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Momentum Share Certificate Rate - 3 Month Special
$0
4.13%
▲ 2.07% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details
Balance: $1000.00 - $49,999.99
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.10%
▲ 2.04% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.04% above avg
Details
$100,000.00 - $249,999.99
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$1,000
4.07%
▲ 2.01% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.01% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$100,001
4.07%
▲ 2.01% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.01% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$50,001
4.02%
▲ 1.96% above national avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.96% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
No minimum deposit.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details
MIN BALANCE - $99,999.99
Dallas 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
6 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
6 Month CD
$1,000
4.16%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.40% above avg
Details
Branch Rate
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
CD - 6 Month
$1,000
4.16%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.40% above avg
Details
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
6 month Promotional Online CD
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.39% above avg
Details
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
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details
UP to $99,999.99
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
180 Day Certificate Of Deposit (CD)
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
180 Day Jumbo Certificate Of Deposit (CD)
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
6-Month HYRC Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
High-Yield Rewards Checking Account required
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%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
6 Month CDs with opening balances of
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
$10,000.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
6 Month Share Certificates
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.06% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
180 Day Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
180 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
5610 Lemmon Ave, Dallas, TX 75209
6-Month CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Promotional Rate
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.23%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
6 Month Regular CD
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Rates are accurate as of January 1, 2026 and are subject to change.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
6-Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
6 Month Standard CD
$2,500
3.70%
▲ 0.94% above national avg
▼
Rate3.63%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
6 Month Standard Certificates
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
6 Month Jumbo or IRA CD
$25,000
3.66%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.90% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
5950 Berkshire Ln, Dallas, TX 75225
6-month CD
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
New Money; Open now; Open in branch
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
6 Month Roth CD
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
regular CD only; CDs, Roth IRA and IRA Certificates
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
6 Month Regular or IRA CD
$500
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.80% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
5950 Berkshire Ln, Dallas, TX 75225
6-month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
New Money; Open now; Open in branch
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
6 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
6 Month Term Share Certificate/Certificate of Deposit
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
JUMBO $95,000+
Sunflower Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
8117 Preston Rd, Dallas, TX 75225
6-Month CD Special
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Limited Time CD Special
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%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
6 Month CD
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Oak Cliff Christian Federal Credit Union
Institution Rating:
A+4.9 ★Texas Ratio: 0.00%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
6 Month Certificate of Deposit
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
Minimum: $1000.00 Minimum Deposit
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
6 Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Balance: $1,000.00 - $49,999.99
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
180 Day Certificate of Deposit
$0
3.10%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details
Balance: $100,000 and over
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
6 Month Regular CD
$1,000
3.10%
▲ 0.34% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.34% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 6 months
$0
2.85%
▲ 0.09% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.09% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 6 months
$0
2.74%
▼ 0.02% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.02% below avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
6 Month Certificate
$0
2.70%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.06% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
180 Day Certificate of Deposit
$0
2.70%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.06% below avg
Details
Balance: $1,000 to $99,999.99
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 6 months
$0
2.64%
▼ 0.12% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.12% below avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
6 Month IRA Certificate
$500
2.53%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.23% below avg
Details
APY= Annual Percentage Yield. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
6 Month Regular Certificate
$500
2.27%
▼ 0.49% below national avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.49% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
6 Month CD
$500
2.25%
▼ 0.51% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.51% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
180 Day Standard CD Products
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Balance: Under $100,000
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
6 Month IRA CD
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
6 Month Jumbo CD
$90,000
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
6 Month Standard CD
$1,000
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
APY*
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
6 Months Certificate of Deposit
$1,000
1.50%
▼ 1.26% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificates of Deposit - 6 Months
$90,000
1.50%
▼ 1.26% below national avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
1441 N Beckley Ave, Dallas, TX 75203 1201
180 Day Share Certificate
$0
1.26%
▼ 1.50% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 1.50% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1445 Ross Ave, Dallas, TX 75202
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.70% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.70% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1445 Ross Ave, Dallas, TX 75202
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.71% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificates of Deposit
$0
5.10%
▲ 2.34% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 2.34% above avg
Details
$50,000+
Dallas 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
12 Month 360 CDs
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.35% above avg
Details
Fixed APY | No minimum balance
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
12 Month Certificate
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
12 Month Star Certificate of Deposit
$1,000
4.20%
▲ 1.25% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD
$1,000
4.16%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.21% above avg
Details
Branch Rate
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
CD - 12 Month
$1,000
4.16%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.21% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
12-Month IRA
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.13% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
1-year online CDs
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
12 Month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
12-Month HYRC Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
High-Yield Rewards Checking Account required
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
12 Month CDs with opening balances of
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
$10,000.
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
12 month Promotional Online CD
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
5610 Lemmon Ave, Dallas, TX 75209
12-Month CD
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
12 Month Share Certificates
$0
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.97% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month CD
$2,500
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month Roth IRA Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
IRA & Roth IRA Certificates
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month Standard CD
$2,500
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month Standard Certificates
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
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%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
Youth/Young Adult 12-Month Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
12 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
12 Month Term Share Certificate/Certificate of Deposit
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
JUMBO $95,000+
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
12-Month Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
12 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
12 Month Term Share Certificate/Certificate of Deposit
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
JUMBO $95,000+
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
12 Month Jumbo or IRA CD
$25,000
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.76% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month FlexPlus
$500
3.70%
▲ 0.75% above national avg
▼
Rate3.63%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
12 Month Regular or IRA CD
$500
3.61%
▲ 0.66% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.66% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
12 Month Business Certificates
$0
3.60%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
12 Month Roth CD
$0
3.60%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
CDs, Roth IRA and IRA Certificates
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
12 Month Certificate
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.60% above avg
Details
Balance: $1,000.00 - $49,999.99
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
7508 Ferguson Rd, Dallas, TX 75228
12 month CD
$500
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.60% above avg
Details
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
7508 Ferguson Rd, Dallas, TX 75228
12 Month Youth CDs
$100
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.60% above avg
Details
Term: 12 months - 60 months; Published APY range: 3.55%-3.96%.
Oak Cliff Christian Federal Credit Union
Institution Rating:
A+4.9 ★Texas Ratio: 0.00%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
12 Month Certificate of Deposit
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
Minimum: $1000.00 Minimum Deposit
Texans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2241 Irving Blvd, Dallas, TX 75207 6201
12 Month Certificate
$500
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
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.
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.23%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
12 Month Certificate
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.23%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
12 Month No Penalty CD
$25,000
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
No penalties for early withdrawal.
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
1 Year IRA Certificate
$1,000
3.30%
▲ 0.35% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.35% above avg
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
15150 Preston Rd, Dallas, TX 75248
12 Month Certificate of Deposit (CDs)
$0
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
Special rate on select new CD accounts.
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
1 Year IRA Certificate
$0
3.10%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.15% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates - 1 Year
$0
3.10%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.15% above avg
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
12 Month Regular CD
$1,000
3.10%
▲ 0.15% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.15% above avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
12 Month IRA Certificate
$500
3.04%
▲ 0.09% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.09% above avg
Details
APY= Annual Percentage Yield. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates are subject to change without notice.
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 1 year
$0
3.02%
▲ 0.07% above national avg
▼
Rate2.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.07% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
12 Month Certificate of Deposit
$0
3.00%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.05% above avg
Details
Balance: $100,000 and over
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
3.00%
▲ 0.05% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.05% above avg
Details
UP to $99,999.99
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 1 year
$0
2.92%
▼ 0.03% below national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.03% below avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
1 Year Certificate
$0
2.90%
▼ 0.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.05% below avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Dinero Teens Starter Certificate - 1 year
$0
2.82%
▼ 0.13% below national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.13% below avg
Details
1
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Money Musketeers Starter Certificate - 1 year
$0
2.82%
▼ 0.13% below national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.13% below avg
Details
1
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 1 year
$0
2.82%
▼ 0.13% below national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.13% below avg
Details
Dallas 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
18 Month 360 CDs
$0
4.30%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.49% above avg
Details
Fixed APY | No minimum balance
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
18 Month Certificate
$0
4.25%
▲ 1.44% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.44% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
18 Month Star Certificate of Deposit
$1,000
4.25%
▲ 1.44% above national avg
▼
Rate4.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.44% above avg
Details
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.28%
500 N Akard St, Dallas, TX 75201
18-Month CD
$0
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
CD Rate Special!
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
18 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.80%
▲ 0.99% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
18 Month Term Share Certificate/Certificate of Deposit
$1,000
3.80%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details
JUMBO $95,000+
Oak Cliff Christian Federal Credit Union
Institution Rating:
A+4.9 ★Texas Ratio: 0.00%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
18 Month Certificate of Deposit
$1,000
3.75%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.94% above avg
Details
Minimum: $1000.00 Minimum Deposit
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
18 Month CD
$2,500
3.75%
▲ 0.94% above national avg
▼
Rate3.68%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
18 Month Roth IRA Certificate
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
IRA & Roth IRA Certificates
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
18 Month Standard CD
$2,500
3.75%
▲ 0.94% above national avg
▼
Rate3.68%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
18 Month Standard Certificates
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
18 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.75%
▲ 0.94% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.94% above avg
Details
JUMBO $95,000+
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%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.89% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
18-Month Certificate
$0
3.70%
▲ 0.89% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.89% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
18 Month CD
$0
3.60%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.79% above avg
Details
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
18 Month CDs with opening balances of
$0
3.60%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.79% above avg
Details
$10,000.
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
18 Month Certificate Of Deposit (CD)
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.69% above avg
Details
Term: 18 Mos. CD (includes IRA)
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
18 Month Jumbo Certificate Of Deposit (CD)
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.69% above avg
Details
Term: 18 Mos. CD (includes IRA)
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.28%
▲ 0.47% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.47% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 18 months
$0
3.18%
▲ 0.37% above national avg
▼
Rate3.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.37% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
18 Month CD
$1,000
3.10%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.29% above avg
Details
Branch Rate
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
CD - 18 Month
$1,000
3.10%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.29% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 18 months
$0
3.07%
▲ 0.26% above national avg
▼
Rate3.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.26% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
18 Month Certificate
$0
2.90%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.09% above avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
18 Month IRA CD
$0
1.50%
▼ 1.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
18 Month Standard CD Products
$0
1.50%
▼ 1.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
Balance: Under $100,000
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
18 Month Jumbo CD
$90,000
1.50%
▼ 1.31% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
18 Month Standard CD
$1,000
1.50%
▼ 1.31% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
APY*
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
18 Months Certificate of Deposit
$1,000
1.50%
▼ 1.31% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificates of Deposit - 18 Months
$90,000
1.50%
▼ 1.31% below national avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo IRA / SEPP - 18 Months
$90,000
1.50%
▼ 1.31% below national avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
Variable - 18 Months
$100
1.50%
▼ 1.31% below national avg
▼
Rate1.49%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 18 Month Variable
$0
0.90%
▼ 1.91% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.91% below avg
Details
Term: 18 Month Variable IRA
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 18 Month Variable
$0
0.03%
▼ 2.78% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 2.78% below avg
Details
Term: 18 Month Variable IRA
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
5950 Sherry Ln, Dallas, TX 75225
18 Month Certificate of Deposit
$500
0.02%
▼ 2.79% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 2.79% below avg
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 Month Share Certificates
$0
4.35%
▲ 1.54% above national avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.54% above avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.30%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.49% above avg
Details
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.44% above avg
Details
Bump-Up CD; Available for a limited time only; Allows you to increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer; Available in Dubuque, Lubbock, Albuquerque, and Boise.
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Jumbo CD
$50,000
4.25%
▲ 1.44% above national avg
▼
Rate4.17%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.44% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
18 Month Certificate
$1,000
4.15%
▲ 1.34% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.34% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.15%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.34% above avg
Details
Interest Frequency: Monthly
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Standard CDs
$1,000
4.15%
▲ 1.34% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.34% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
18 Month Certificate of Deposit
$50,000
4.15%
▲ 1.34% above national avg
▼
Rate4.07%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.34% above avg
Details
Balance: Jumbo ($50K plus)
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.10%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.29% above avg
Details
Interest Frequency: Semi
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Business Term Share Certificate
$1,000
4.10%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
18 Month Term Share Certificate
$1,000
4.07%
▲ 1.26% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.26% above avg
Details
Dividends Compounded: Monthly; Dividends Credited: Monthly; Renewal: Automatic with 10-day grace period
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18 Month Certificates of Deposit
$0
4.06%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.25% above avg
Details
$50,000+
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.05%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.24% above avg
Details
Interest Frequency: Semi
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
18 Month Business CD
$5,000
4.05%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.24% above avg
Details
$1,000,000.00+
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate
$1,000
4.05%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.24% above avg
Details
Dallas 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
24-Month IRA
$0
4.34%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.83%▲ 1.51% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
24 Month 360 CDs
$0
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.47% above avg
Details
Fixed APY | No minimum balance
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
24 Month Share Certificates
$0
4.08%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.83%▲ 1.25% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
24-Month HYRC Certificate
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
High-Yield Rewards Checking Account required
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
24 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
JUMBO
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
24 Month Jumbo or IRA CD
$25,000
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.04% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
24 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
24 Month Term Share Certificate/Certificate of Deposit
$1,000
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
JUMBO $95,000+
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
24 Month Regular or IRA CD
$500
3.76%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.93% above avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
24 Month IRA Certificate
$500
3.66%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.83% above avg
Details
APY= Annual Percentage Yield. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates are subject to change without notice.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
24-Month Certificate
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
24 Month Certificate
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
24 Month Star Certificate of Deposit
$1,000
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
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%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
24 Month CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.67% above avg
Details
Oak Cliff Christian Federal Credit Union
Institution Rating:
A+4.9 ★Texas Ratio: 0.00%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
24 Month Certificate of Deposit
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
Minimum: $1000.00 Minimum Deposit
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
24 Month Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Balance: $1,000.00 - $49,999.99
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
24 Month Business Certificates
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
24 Month Roth CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
CDs, Roth IRA and IRA Certificates
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.49%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.66% above avg
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
2 Year IRA Certificate
$1,000
3.45%
▲ 0.62% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.62% above avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
24 Month Regular Certificate
$500
3.40%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.57% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 2 years
$0
3.39%
▲ 0.56% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.56% above avg
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
24 Month Regular CD
$1,000
3.30%
▲ 0.47% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.47% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
2 Year IRA Certificate
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.42% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates - 2 Year
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.42% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
2 Year Certificate
$0
3.20%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.37% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
24 Month CD
$1,000
3.20%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.37% above avg
Details
Branch Rate
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
CD - 24 Month
$1,000
3.20%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.37% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
2 Year IRA Certificates
$0
3.10%
▲ 0.27% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.27% above avg
Details
Term: 2 Year IRA Certificate; $1,000 minimum balance to open
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
24 Month Certificate of Deposit
$0
2.90%
▲ 0.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.07% above avg
Details
Balance: $100,000 and over
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
24 Month CDs with opening balances of
$0
2.75%
▼ 0.08% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.08% below avg
Details
$10,000.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
24 Month Certificate of Deposit
$0
2.40%
▼ 0.43% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.43% below avg
Details
Balance: $1,000 to $99,999.99
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 24 Month Fixed
$0
2.40%
▼ 0.43% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.43% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
2 Year CD
$500
2.25%
▼ 0.58% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.58% below avg
Details
Faith Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
2020 W Wheatland Rd, Dallas, TX 75232 4517
2 Year Certificate
$1,000
2.00%
▼ 0.83% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.83% below avg
Details
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
1441 N Beckley Ave, Dallas, TX 75203 1201
24 Month Share and IRA Certificate
$0
1.76%
▼ 1.07% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▼ 1.07% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
2 Year IRA CD
$0
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
2 Year Standard CD Products
$0
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
Balance: Under $100,000
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
24 Month Jumbo CD
$90,000
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
24 Month Standard CD
$1,000
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
APY*
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
5950 Sherry Ln, Dallas, TX 75225
2 Year Certificate of Deposit
$500
0.05%
▼ 2.78% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.78% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CD - 24 Month Fixed
$0
0.03%
▼ 2.80% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.80% below avg
Details
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
24 Month Share Certificates
$0
4.75%
▲ 1.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.92% above avg
Details
Balance: $100,000 +
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
24 Month Jumbo Certificates of Deposit
$0
4.49%
▲ 1.66% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.66% above avg
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
24 Month Share Certificates
$0
4.40%
▲ 1.57% above national avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.57% above avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.47% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.42% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
24 Month Jumbo CD
$50,000
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Dallas 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
36 Month 360 CDs
$0
4.30%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.55% above avg
Details
Fixed APY | No minimum balance
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
36 Month Share Certificates
$0
4.13%
▲ 1.38% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.38% above avg
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
36 Month Jumbo or IRA CD
$25,000
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.17% above avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
36 Month IRA Certificate
$500
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.17% above avg
Details
APY= Annual Percentage Yield. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates are subject to change without notice.
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 3 years
$0
3.91%
▲ 1.16% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.16% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
36 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.15% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
36 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.10% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
36 Month Term Share Certificate/Certificate of Deposit
$1,000
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.10% above avg
Details
JUMBO $95,000+
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
36 Month Regular or IRA CD
$500
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.07% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.05% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
36 Month CD
$2,500
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
36 Month Roth IRA Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
IRA & Roth IRA Certificates
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
36 Month Standard CD
$2,500
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
36 Month Standard Certificates
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
36-Month HYRC Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
High-Yield Rewards Checking Account required
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 3 years
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.95% above avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
36 Month Regular Certificate
$500
3.66%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.91% above avg
Details
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
7508 Ferguson Rd, Dallas, TX 75228
36 month CD
$500
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.85% above avg
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
3 Year IRA Certificate
$1,000
3.55%
▲ 0.80% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.80% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
36 Month CD
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.75% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
36 Month Business Certificates
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
36 Month Roth CD
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
CDs, Roth IRA and IRA Certificates
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
36-Month Certificate
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
36 Month Certificate
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.70% above avg
Details
Balance: $1,000.00 - $49,999.99
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%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.65% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
3 Year IRA Certificate
$0
3.25%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.50% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates - 3 Year
$0
3.25%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.50% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
3 Year Certificate
$0
3.20%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.45% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
36 Month CD
$1,000
3.20%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.45% above avg
Details
Branch Rate
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
CD - 36 Month
$1,000
3.20%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.45% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
3 Year IRA Certificates
$0
3.10%
▲ 0.35% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.35% above avg
Details
Term: 3 Year IRA Certificate; $1,000 minimum balance to open
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
36 Month CDs with opening balances of
$0
2.65%
▼ 0.10% below national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 0.10% below avg
Details
$10,000.
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
1441 N Beckley Ave, Dallas, TX 75203 1201
36 Month Share and IRA Certificate
$0
2.01%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▼ 0.74% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
3 Year IRA CD
$0
1.50%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.25% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
3 Year Standard CD Products
$0
1.50%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.25% below avg
Details
Balance: Under $100,000
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
36 Month Jumbo CD
$90,000
1.50%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.25% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
36 Month Standard CD
$1,000
1.50%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.25% below avg
Details
APY*
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
3 Year CD
$500
1.40%
▼ 1.35% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.35% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
5950 Sherry Ln, Dallas, TX 75225
3 Year Certificate of Deposit
$500
0.05%
▼ 2.70% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 2.70% below avg
Details
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Month Jumbo Certificates of Deposit
$0
4.54%
▲ 1.79% above national avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.79% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Year Business CD
$5,000
4.50%
▲ 1.75% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.75% above avg
Details
MIN BALANCE - $99,999.99
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40%
▲ 1.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.65% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.60% above national avg
▼
Rate4.27%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.60% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.25%
▲ 1.50% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Month Standard CDs
$1,000
4.25%
▲ 1.50% above national avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.50% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (3 year)
$250,001
4.23%
▲ 1.48% above national avg
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.48% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.20%
▲ 1.45% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.45% above avg
Details
Interest Frequency: Monthly
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (3 year)
$100,001
4.18%
▲ 1.43% above national avg
▼
Rate4.10%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.43% above avg
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.15%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.40% above avg
Details
Interest Frequency: Semi
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (3 year)
$50,001
4.13%
▲ 1.38% above national avg
▼
Rate4.05%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.38% above avg
Details
Dallas 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
48 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12%
▲ 1.36% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.36% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.25% above avg
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
48 Month Jumbo or IRA CD
$25,000
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.21% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 4 years
$0
3.91%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.15% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
48 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
JUMBO
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
48 Month Regular or IRA CD
$500
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.11% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
48 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
48 Month Term Share Certificate/Certificate of Deposit
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
JUMBO $95,000+
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
48 Month CD
$2,500
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
48 Month Roth IRA Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
IRA & Roth IRA Certificates
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
48 Month Standard CD
$2,500
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
48 Month Standard Certificates
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
4 Year IRA Certificate
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
48 Month IRA Certificate
$500
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.80% above avg
Details
APY= Annual Percentage Yield. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates are subject to change without notice.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
48 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
48 Month Certificate
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
Balance: $1,000.00 - $49,999.99
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
48 Month Business Certificates
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
48 Month Roth CD
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
CDs, Roth IRA and IRA Certificates
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%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
48 Month Regular Certificate
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
4 Year IRA Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.49% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates - 4 Year
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.49% above avg
Details
Oak Cliff Christian Federal Credit Union
Institution Rating:
A+4.9 ★Texas Ratio: 0.00%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
48 Month Certificate of Deposit
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
Minimum: $1000.00 Minimum Deposit
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
48-Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
4 Year Certificate
$0
3.20%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
48 Month CD
$1,000
3.20%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.44% above avg
Details
Branch Rate
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
CD - 48 Month
$1,000
3.20%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.44% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
4 Year IRA Certificates
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details
Term: 4 Year IRA Certificate; $1,000 minimum balance to open
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
48 Month CDs with opening balances of
$0
2.55%
▼ 0.21% below national avg
▼
Rate2.53%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.21% below avg
Details
$10,000.
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
4 Year IRA CD
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
4 Year Standard CD Products
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Balance: Under $100,000
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
4 Year CD
$500
1.15%
▼ 1.61% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.61% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
5950 Sherry Ln, Dallas, TX 75225
4 Year Certificate of Deposit
$500
0.15%
▼ 2.61% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.61% below avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Month Jumbo CD
$50,000
4.35%
▲ 1.59% above national avg
▼
Rate4.27%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.59% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.49% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
4 Year Business CD
$5,000
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
$1,000,000.00+
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Month Standard CDs
$1,000
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.44% above avg
Details
Interest Frequency: Monthly
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
48 Month Certificate
$1,000
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.39% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.39% above avg
Details
Interest Frequency: Semi
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
4 Year Business CD
$5,000
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.39% above avg
Details
$250,000.00 - $999,999.99
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.29% above avg
Details
Interest Frequency: Semi
Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
48 Month IRA Share Certificate
$1,000
4.05%
▲ 1.29% above national avg
▼
Rate3.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.29% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
4 Year Business CD
$5,000
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.29% above avg
Details
$100,000.00 - $249,999.99
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.26% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (4 year)
$250,001
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.26% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
48 Month Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 - 4 Year Business Investment Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 - 4 Year Investment Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends
Dallas 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49%
▲ 1.66% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.66% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.39%
▲ 1.56% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.56% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
60 Month 360 CDs
$0
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.47% above avg
Details
Fixed APY | No minimum balance
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Certificates - 5 years
$0
4.28%
▲ 1.45% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.45% above avg
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
60 Month Jumbo or IRA CD
$25,000
4.02%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.19% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
60 Month Certificate of Deposit (CD)
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Balances up to $9,999.99 will earn the first dividend rate and APY as stated above for the minimum to $9,999.99 balance tier. Any portion of the balance exceeding $9,999.99 will earn the dividend rate as shown for the $10,000 & greater tier. As a result, the overall APY will be a blended rate based on the total balance in the account. The APY will vary depending on how much of the balance falls above the $9,999.99 threshold. Age restrictions apply.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
60 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
60 Month Term Share Certificate/Certificate of Deposit
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
JUMBO $95,000+
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
7508 Ferguson Rd, Dallas, TX 75228
60 month CD
$500
3.96%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.13% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
60 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.95%
▲ 1.12% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.12% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1317 Empire Central Dr, Dallas, TX 75247 4021
60 Month Term Share Certificate/Certificate of Deposit
$1,000
3.95%
▲ 1.12% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.12% above avg
Details
JUMBO $95,000+
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1100 Commerce St Ste 615, Dallas, TX 75242
60 Month Regular or IRA CD
$500
3.92%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.09% above avg
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
5 Year IRA Certificate
$1,000
3.70%
▲ 0.87% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.87% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
60 Month CD
$2,500
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
60 Month Roth IRA Certificate
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
IRA & Roth IRA Certificates
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
60 Month Standard CD
$2,500
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
13649 Montfort Dr, Dallas, TX 75240 2521
60 Month Standard Certificates
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
5-year online CDs
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
14651 Dallas Pkwy, Dallas, TX 75254
60 Month CD
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
60 Month IRA Certificate
$500
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.68% above avg
Details
APY= Annual Percentage Yield. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates are subject to change without notice.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
60-Month HYRC Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
High-Yield Rewards Checking Account required
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
60 Month Certificate
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.57% above avg
Details
Balance: $1,000.00 - $49,999.99
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
60 Month Business Certificates
$0
3.40%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.57% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7474 Ferguson Rd, Dallas, TX 75228
60 Month Roth CD
$0
3.40%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.57% above avg
Details
CDs, Roth IRA and IRA Certificates
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%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.42% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
5 Year IRA Certificate
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.42% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
IRA Certificates - 5 Year
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.42% above avg
Details
Resource One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1200 Belleview St, Dallas, TX 75215 1837
60 Month Regular Certificate
$500
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6172 Sherry Ln, Dallas, TX 75225 6314
60-Month Certificate
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
5 Year Certificate
$0
3.20%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.37% above avg
Details
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
60 Month CD
$1,000
3.20%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.37% above avg
Details
Branch Rate
T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
16200 Dallas Pkwy, Dallas, TX 75248
CD - 60 Month
$1,000
3.20%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.37% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
AAFES Headquarters, Dallas, TX 75236
5 Year IRA Certificates
$0
3.10%
▲ 0.27% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.27% above avg
Details
Term: 5 Year IRA Certificate; $1,000 minimum balance to open
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
60 Month CDs with opening balances of
$0
2.50%
▼ 0.33% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.33% below avg
Details
$10,000.
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
5 Year IRA CD
$0
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5956 Sherry Ln, Dallas, TX 75225
5 Year Standard CD Products
$0
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
Balance: Under $100,000
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
60 Month Jumbo CD
$90,000
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
8201 Preston Rd Suite 715, Dallas, TX 75225
60 Month Standard CD
$1,000
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
APY*
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
5 Year CD
$500
1.25%
▼ 1.58% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.58% below avg
Details
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%
▼ 2.48% below national avg
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.48% below avg
Details
$90,000 +
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%
▼ 2.48% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.48% below avg
Details
Balance: $90,000 +
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
0.30%
▼ 2.53% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.53% below avg
Details
$1,000 +
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Callable CD 60 Months
$0
4.50%
▲ 1.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.67% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
5 Year Business CD
$5,000
4.40%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.57% above avg
Details
$1,000,000.00+
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
60 Month Jumbo CD
$50,000
4.35%
▲ 1.52% above national avg
▼
Rate4.27%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.47% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
5 Year Business CD
$5,000
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.47% above avg
Details
$250,000.00 - $999,999.99
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.42% above avg
Details
Interest Frequency: Semi
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
60 Month Standard CDs
$1,000
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
60 Month Certificate
$1,000
4.20%
▲ 1.37% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.37% above avg
Details
Compounded: Quarterly; Credited: Quarterly
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD TX Avg
2.945%
▲ 0.004 vs 7 days ago
Texas 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD TX Avg
2.760%
Unchanged vs 7 days ago
Texas 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TX CD Rate Forecast, Next 12 Months
Where are Texas CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
Powered by
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Dallas, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
2,956
CD Rates
Tracked in Dallas, Texas
Tracked in Dallas, Texas
48 Banks
80 Credit Unions
About Our Dallas, Texas CD Rate Database
MonitorBankRates tracks 2,956 CD rates from 48 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 (1–5), 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: ADVANCIAL offers a CD at 4.49% 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: 128 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Dallas, Texas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Dallas, Texas money market rates
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
$127/yr
At TX 12-mo avg 2.945% APY
11.8% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 2.945%, saving 10% of the local median salary ($4,298/year) and putting it in a CD would earn an additional $127 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Dallas, Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Dallas, Texas
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Dallas, Texas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Dallas, Texas as everywhere in the U.S.
Choosing a CD Term in Dallas, Texas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Dallas, Texas savers easier access to their funds. For example, 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 is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% 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:
- ADVANCIAL: 4.49% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
- Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- Capital One Bank: 4.30% APY (12 Month 360 CDs)
- Texas Capital Bank: 4.25% APY (18 Month Certificate)
- T Bank: 4.16% APY (12 Month CD)
- NexBank: 4.15% APY (6 month Promotional Online CD)
- Libertyone Credit Union: 4.02% APY (60 Month Jumbo or IRA CD)
- Great Plains National Bank: 4.00% APY (18-Month CD)
- OWB One World Bank: 4.00% APY (180 Day Certificate Of Deposit (CD))
Rates reflect recent verified offers available in Dallas, Texas. Last Updated: September 22, 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
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Dallas, Texas
Dallas, Texas CD Calculator
At today’s TX top rate of 4.49% APY, a $10,000 deposit earns $449 in the first year. Enter your amount to see your exact return.
Dallas, Texas CD LadderTX CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Dallas, Texas CD at 4.49% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.945% 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: September 22, 2026
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