Flynn, Texas CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Flynn, Texas CD rates include ADVANCIALADVANCIALA+5.0 ★Texas Ratio: 0.31%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificates at 4.34% APY, 5Point Credit Union5Point Credit UnionA5.0 ★Texas Ratio: 6.33%Real return: +1.54%APY minus CPI (February 2026) offering IRA Share Certificates and Share Certificates 12-Month (Tier 3) at 4.34% APY, Texas Bay Credit UnionTexas Bay Credit UnionA5.0 ★Texas Ratio: 8.99%Real return: +1.53%APY minus CPI (February 2026) offering Callable CD 24 Months at 4.33% APY, US Employees Credit UnionUS Employees Credit UnionA+5.0 ★Texas Ratio: 1.43%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month CD at 4.25% APY, and Members Financial Federal Credit UnionMembers Financial Federal Credit UnionA+5.0 ★Texas Ratio: 0.77%Real return: +1.45%APY minus CPI (February 2026) offering 18 Months Certificate at 4.25% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Flynn is a smaller community with no bank or credit union branches currently in our database. 994 institutions serving the Texas area are available to Flynn residents, with CD rates as high as 4.34% APY from ADVANCIAL. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Flynn, Texas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$100,001
3.92%
▼
Rate3.85%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Momentum Share Certificate Rate 3 Month
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$50,001
3.87%
▼
Rate3.80%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Jumbo Certificate Of Deposit (CD) 90 Day
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day Certificate Of Deposit (CD)
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Daily Balances of: $100,000 and over
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 3 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3-Month Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Regular
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Reach your goals faster and take your money even further.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Daily Balances of: $500 - $99,999.99
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3-Month Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month CD
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
3-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month Traditional/Roth IRA
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Texas Heritage National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
90 Days Certificates of Deposit
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificates 3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Share Certificates: or Greater 3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
3 Months Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Certificate of Deposit (CD) 3 Months
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Share Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Share Certificates: or Greater
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 3 Months
$0
2.97%
▼
Rate2.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Share Certificates 3 Months
$1,000
2.84%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
CDs Under $100,000
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates of Deposit 90 Days
$1,000
2.75%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Special 6-Month Share Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 2)
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Branch
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Months Share Certificate
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Share Certificates 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Jumbo Certificate Of Deposit (CD) 180 Day
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Independent Retirement Accounts (IRA) 180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
180 Day Certificate Of Deposit (CD)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Minor Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business Share Certificates Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business Share Certificates Regular Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 1)
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Minor Share Certificates 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6-month Jumbo
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6-month Jumbo Share Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$100,001
3.97%
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
6 Months Certificate of Deposit
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Up to
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
(Age 0-17)
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6-Month TEAL Certificate
$250
3.95%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 6, 2026
Details
For Kids and Teams
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6 Month CD
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6 Month Traditional/Roth IRA
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Special
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$50,001
3.92%
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 6 Month
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 months Share Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 month Share Certificates
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.32%
6 Months Term Share Accounts(C.D.'S)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 mos. Roth IRA Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 mos. IRA Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 mos. Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
6 Months Certificate/IRA
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 6 Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month IRA Share Certificate
$1,500
3.85%
▼
Rate3.80%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
Minimum $1,500 to open
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Regular Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
IRA Certificates 6 Month
$75,000
3.85%
▼
Rate3.78%
Min Deposit$75,000
Min Balance—
UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
IRA Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 2)
$0
4.24%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
12 Months Certificate/IRA
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Months Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 1)
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
12 Months Certificate/IRA
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Share Term Certificate 12 Months
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 mos. Share Certificate Rate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
12 Months Certificate/IRA
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
12 Months Share Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 12 Month
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (1 year)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12-month Jumbo Share Certificates
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
12 Month Certificate
$0
4.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
12 mos. Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
IRA Certificates 1 Year
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Branch
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1 Year IRA Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
12 mos. Roth IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
12 mos. IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Texas Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
High Yield CD 12 Months
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
new money
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 12, 2026
Details
$25,000- $99,999
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Share Certificates 12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business Share Certificates Regular Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business Share Certificates Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 12 Month
$50,000
3.97%
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 12 Month Certificate
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1 Year Super IRA Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Dividend Paid Monthly on Last Day of Month
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1 Year Super Jumbo
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (1 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (1 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
High-Rate Jumbo 12-Month CD
$100,000
3.95%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only. This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. **Call for rates and APY on additional minimum balances.
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12 Month Traditional/Roth IRA
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12 Month CD
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
12 month Promotional Online CD
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Online Only
Community Bank & Trust, Waco, Texas
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
12 Months CD
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
limited time CD yield
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (1 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (1 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 12 Month
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Independent Retirement Accounts (IRA) 365 Day (1 Year)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 Month CD (also IRA)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Bump Rate CDs 12 Months
$5,000
3.90%
▼
Rate3.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Space City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Certificate of Deposit IRA & Regular 1 Year
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Jumbo > $50k
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Months Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
NEW MONEY Certificate of Deposit Special!
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18 Month Term Share Certificate
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 18 Months
$50,000
4.07%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-Month Certificate Special
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Special rate available with funds new to Essential.
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-month Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-month Share Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
18 Months Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 18 Months
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
18 Months Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificates 18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal IRA Certificates 18 Months
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Certificate of Deposit (CD) 18 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Share Certificates: or Greater
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Save more when you move at least $500 from another financial institution.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Share Certificates: or Greater 18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 mos. Roth IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 mos. Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
18 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
18 mo.
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
18 Month Term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Bump Rate CDs 18 Months
$5,000
3.75%
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 18 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
18 Month Traditional/Roth IRA
$100
3.70%
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
18 Month CD
$100
3.70%
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
IRA Term Share Accounts/Certificates of Deposit 18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
18 Months Term Share Certificates/Certificates of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Educational IRA Certificates 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificates 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Roth IRA Certificates 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
18 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
18 Months CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Promotional Certificate of Deposit 18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 18 Months
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Regular Certificate 18 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit Regular 18 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
Callable CD 24 Months
$50,000
4.33%
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 and over
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Kidicate Share Certificate (24 Months)
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 24 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (2 year)
$250,001
3.92%
▼
Rate3.85%
Min Deposit$250,001
Min Balance—
UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 24 MONTHS
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (2 year)
$100,001
3.87%
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 24 Month Certificate
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 2 Years
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
ROTH IRA Share Certificates 64 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
2 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
24 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (2 year)
$50,001
3.82%
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 1 to 2 Years (365 to 729 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 24 Months
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (2 year)
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2 Year Term IRA Certificate of Deposit
$100,000
3.75%
▼
Rate3.68%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 1 to 2 Years (365 to 729 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Regular & IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
24 Month Term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
24 Months Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
2 YEAR CERTIFICATE
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 24 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
24 Month Share Certificates: or Greater
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
24 Months Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Certificate of Deposit (CD) 24 Months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
24 Month Share Certificate
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
2 Year IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
24 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
24 Month IRA Share Certificate
$1,500
3.70%
▼
Rate3.65%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificates 24 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 36 MONTHS
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 36 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 2 to 3 Years (730 to 1,094 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Starting at $100,000
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Step Up Share Certificates 3 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 MONTHS Certificate
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
36 Months Share Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 2 to 3 Years (730 to 1,094 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit Regular 36 Months
$500
3.70%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.65%
Min Deposit$75,000
Min Balance—
UpdatedMay 12, 2026
Details
Starting at $75,000
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Mini-Jumbo Share Certificate/IRA 3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Certificate of Deposit (CD) 36 Months
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 Months Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
36 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 36 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 36-Month (Tier 2)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
IRA Certificate 36 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$250,001
3.82%
▼
Rate3.75%
Min Deposit$250,001
Min Balance—
UpdatedMay 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit Regular 48 Months
$500
3.80%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 3 to 4 Years (1,095 to 1,460 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 4 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Step Up Share Certificates 4 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$100,001
3.76%
▼
Rate3.70%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 3 to 4 Years (1,095 to 1,460 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$50,001
3.71%
▼
Rate3.65%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed-Rate IRA 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Certificates 48 Month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 48 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Mini-Jumbo Share Certificate/IRA 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 mo. Share Certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Share Certificate 48 mo.
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48 Months Term Share Certificates/Certificates of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
IRA Term Share Accounts/Certificates of Deposit 48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
TERM SHARE CERTIFICATES 48 Months
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4 Year Share Certificate/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
IRA Certificate 48 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Share Certificate/IRA 4 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48 Months TERM IRA SHARE CERTIFICATES
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Share Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Share Certificates: or Greater
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
CD and IRA CDs 48 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Months CD and IRA CDs
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Share Certificates: or Greater 48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificates 48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 4 Years
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Share and IRA Certificate 4 Year
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Loyalty Rate
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - Share 48 Month to 59 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
ROTH IRA Share Certificates 67 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 87 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 mos. Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 mos. Roth IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month CD
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Term Deposit -4 Years
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Jumbo, 5 Year Term Certificates
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
Callable CD 60 Months
$50,000
4.13%
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 and over
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
IRA Certificate 60 Month
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 Minimum
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
Share Certificates (Including IRA Certificates) 60 Months
$50,000
3.92%
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
5 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 60 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 4 to 5 Years (1,461 to 1,825 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 5 Years (1,826 to 2,190 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 5 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 60-Month (Tier 3)
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Step Up Share Certificates 5 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (5 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 5 Years (1,826 to 2,190 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
60 Months Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 4 to 5 Years (1,461 to 1,825 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (5 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed-Rate IRA 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal IRA Certificates 60 Months
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Certificate of Deposit (CD) 60 Months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Months Term Share Certificates/Certificates of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
60 Months Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
IRA Term Share Accounts/Certificates of Deposit 60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 60-Month (Tier 2)
$0
3.66%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Mini-Jumbo Share Certificate/IRA 5 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (5 year)
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
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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.
Key Takeaways
What to know about CD rates in Flynn, Texas at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Flynn residents from institutions serving the Texas area is 4.34% APY from ADVANCIAL. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Flynn, TX CD Rate Trends
Compare local Flynn, 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
2.607%
▼ 0.001 vs 7 days ago
Texas 12-month CD rates fell 0.001 points over the past 7 days to 2.607% APY.
6-Month CD — TX Avg
1.956%
▲ 0.009 vs 7 days ago
Texas 6-month CD rates rose 0.009 points over the past 7 days to 1.956% APY.
As of May 13, 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 May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.607%
6-Month Forecast
2.607%
Range: 2.41% – 2.76%
12-Month Forecast
2.357%
Range: 2.16% – 2.51%
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MonitorBankRates
What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.847% | $92.33 | $184.66 | $461.65 | $923.30 |
| 6-Month CD | 1.956% | $97.82 | $195.63 | $489.08 | $978.15 |
| 12-Month CD | 2.607% | $130.35 | $260.70 | $651.75 | $1,303.50 |
| 18-Month CD | 2.937% | $146.85 | $293.69 | $734.23 | $1,468.45 |
| 24-Month CD | 2.953% | $147.64 | $295.28 | $738.20 | $1,476.40 |
| 36-Month CD | 3.111% | $155.57 | $311.14 | $777.85 | $1,555.70 |
| 48-Month CD | 3.047% | $152.33 | $304.65 | $761.63 | $1,523.25 |
| 60-Month CD | 3.137% | $156.87 | $313.74 | $784.35 | $1,568.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Flynn, 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 | 1.847% | $92.33 |
| 2 | 6-Month CD | $5,000 | 1.956% | $97.82 |
| 3 | 12-Month CD | $5,000 | 2.607% | $130.35 |
| 4 | 24-Month CD | $5,000 | 2.953% | $147.64 |
| 5 | 36-Month CD | $5,000 | 3.111% | $155.57 |
| Total ($25,000 invested) | $25,000 | 2.495% blended | $623.71/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,641
CD Rates
Tracked in Flynn, Texas
Tracked in Flynn, Texas
43 Banks
117 Credit Unions
About Our Flynn, Texas CD Rate Database
MonitorBankRates tracks 1,641 CD rates from 43 banks and 117 credit unions with locations in Flynn, 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 4.34% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Flynn, Texas.
How to Find the Best CD Rates in Flynn, Texas
What to compare when shopping for a CD in Flynn, Texas
To find the best APYs in Flynn, Texas, start with credit unions and online-only banks — Flynn, Texas has 117 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 Flynn, 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 Flynn, Texas — 160 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Flynn, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Flynn, Texas money market rates
Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$44,072
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At TX 12-mo avg 2.607% APY
13.4% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.607%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $115 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 Flynn, 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 |
Frequently Asked Questions about CD Rates in Flynn, Texas
Are CD rates in Flynn, Texas FDIC insured?
Yes, most established banks in Flynn, 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 Flynn, 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 Flynn, 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 Flynn, 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 Flynn, Texas?
Here are recent top rates found for this area:
- ADVANCIAL: 4.34% APY (Jumbo, 5 Year Term Certificates)
- 5Point Credit Union: 4.34% APY (IRA Share Certificates and Share Certificates 12-Month (Tier 3))
- Texas Bay Credit Union: 4.33% APY (Callable CD 24 Months)
- US Employees Credit Union: 4.25% APY (18 Month CD)
- Members Financial Federal Credit Union: 4.25% APY (18 Months Certificate)
- DuGood Federal Credit Union: 4.18% APY (12 Months Certificate/IRA)
- FIRSTLIGHT: 4.15% APY (Special 6-Month Share Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
- Kelly Community Federal Credit Union: 4.08% APY (Kidicate Share Certificate (24 Months))
- Gulf Shore Federal Credit Union: 4.08% APY (Share Term Certificate 12 Months)
Rates reflect recent verified offers available in Flynn, Texas. Last Updated: May 12, 2026
CD Calculators for Flynn, Texas
Flynn, Texas CD Calculator
At today’s TX top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Flynn, Texas CD LadderTX CD rates currently range from 1.847% (3-month) to 3.111% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Flynn, Texas CD at 4.34% 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 2.607% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Flynn, 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 pulling data straight 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 Flynn, 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: May 12, 2026
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