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

Frisco, Texas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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

Frisco, Texas CD rates range from 0.01% to 5.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Frisco, Texas CD rates include Advancial Federal Credit UnionAdvancial Federal Credit Union6021 Preston Rd, Frisco, TX 75034A5.0 ★Texas Ratio: 12.30%Real return: +2.07%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY, SECNY Federal Credit UnionSECNY Federal Credit Union2601 Network Blvd Ste 600, Frisco, TX 75034A5.0 ★Texas Ratio: 6.03%Real return: +1.70%APY minus CPI (February 2026) offering 6 Month Certificate at 4.50% APY, EECU Credit UnionEECU Credit Union4800 Main St, Frisco, TX 75033 3773A+5.0 ★Texas Ratio: 2.73%Real return: +1.55%APY minus CPI (February 2026) offering 36 Month Jumbo CD at 4.35% APY, Capital One BankCapital One Bank8989 Preston Rd, Frisco, TX 75034A5.0 ★Texas Ratio: 7.00%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month 360 CDs at 4.30% APY, and Conservation Employees Credit UnionConservation Employees Credit Union2601 Network Blvd, Frisco, TX 75034A+5.0 ★Texas Ratio: 1.26%Real return: +1.45%APY minus CPI (February 2026) offering Certificate - 12 Months at 4.25% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Frisco has 274 local institutions in our database, with CD rates as high as 4.87% APY from Advancial Federal Credit Union at 6021 Preston Rd, Frisco, TX 75034. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.

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

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

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

Frisco 3 Month CD Rates

Texas 3 Month CD Average2.50% APYNational 2.09%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
90 Day Certificate of Deposit
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

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

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
90 Day Jumbo CD
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

Jumbo CDs of $500,000 and over.

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
2600 Network Blvd, Frisco, TX 75034
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
3-Month Certificate
$1,000
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
90 Day Certificate of Deposit
$0
3.65% ▲ 1.15% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.09%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
2.85%3.50%4.15%Sep 18, 2026: 3.35% APYSep 24, 2026: 3.50% APYOct 2, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.65%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
3 Month IRA Certificate
$0
3.60% ▲ 1.10% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average2.50%▲ 1.10% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
3 Month Share Certificates
$0
3.60% ▲ 1.10% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average2.50%▲ 1.10% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
90 Day Certificate of Deposit
$0
3.30% ▲ 0.80% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.80% above avgNationally 2.09%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
2.55%3.18%3.80%Sep 18, 2026: 3.05% APYSep 27, 2026: 3.20% APYOct 2, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.30%▲ from 3.20%
  • Sep 27, 20263.20%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, TX 75034
Certificate - 3 Months
$500
3.19% ▲ 0.69% above Texas avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 0.69% above avgNationally 2.09%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 3.19% APY
2.69%3.19%3.69%Oct 13, 2026: 3.19% APYOct 13, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
3 Month Jumbo CD
$50,000
3.07% ▲ 0.57% above Texas avg
View
▼
Rate3.03%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.57% above avgNationally 2.09%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 3.07% APY · checked 4 times
2.57%3.07%3.57%Sep 22, 2026: 3.07% APYSep 22, 2026Oct 14, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
3 Month CD
$100,000
3.03% ▲ 0.53% above Texas avg
View
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.53% above avgNationally 2.09%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
3 Month Standard CDs
$1,000
2.97% ▲ 0.47% above Texas avg
View
▼
Rate2.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.47% above avgNationally 2.09%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 2.82% → 2.97% ▲ 0.15 pts · high 2.97% / low 2.82%
2.32%2.90%3.47%Sep 18, 2026: 2.82% APYSep 22, 2026: 2.97% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20262.97%▲ from 2.82%
  • Sep 18, 20262.82%first recorded
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
Certificates of Deposit (CDs) - 90 Day
$500
2.88% ▲ 0.38% above Texas avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 0.38% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.88% APY · checked 2 times
2.38%2.88%3.38%Oct 7, 2026: 2.88% APYOct 7, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.65% ▲ 0.15% above Texas avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.15% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
2.05%2.60%3.15%Sep 18, 2026: 2.55% APYOct 1, 2026: 2.65% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.65%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.55% ▲ 0.05% above Texas avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.05% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
1.95%2.50%3.05%Sep 18, 2026: 2.45% APYOct 1, 2026: 2.55% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.55%▲ from 2.45%
  • Sep 18, 20262.45%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Certificates - 3 months
$0
2.45% ▼ 0.05% below Texas avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 0.05% below avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
1.84%2.40%2.95%Sep 18, 2026: 2.34% APYOct 1, 2026: 2.45% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.45%▲ from 2.34%
  • Sep 18, 20262.34%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
3 Month Certificate
$2,500
2.35% ▼ 0.15% below Texas avg
View
▼
Rate2.33%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▼ 0.15% below avgNationally 2.09%
Details

Account 35; Interest Monthly; Min. $2,500

Rate History
No change since Oct 13, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 13, 2026: 2.35% APYOct 13, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
16066 State Highway 121, Frisco, TX 75035
3 Month CD
$500
2.00% ▼ 0.50% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2601 Network Blvd, Frisco, TX 75034
Certificate of Deposit (CD) - 3 Months
$0
2.00% ▼ 0.50% below Texas avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.09%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 12, 2026: 2.00% APYOct 12, 2026Oct 14, 2026
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2610 Network Blvd Ste 600, Frisco, TX 75034 6009
3 month Certificate
$0
1.10% ▼ 1.40% below Texas avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▼ 1.40% below avgNationally 2.09%
Details

Certificate Rates & IRA Certificate Rates; Penalties may apply for early withdrawals

Rate History
No change since Sep 25, 2026 · 1.10% APY · checked 3 times
0.60%1.10%1.60%Sep 25, 2026: 1.10% APYSep 25, 2026Oct 14, 2026
El Monte Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2601 NETWORK BLVD, FRISCO, TX 75034
3 Month Certificate
$0
0.50% ▼ 2.00% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 2.00% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4851 Legacy Dr, Frisco, TX 75034
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4851 Legacy Dr, Frisco, TX 75034
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4851 Legacy Dr, Frisco, TX 75034
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
3 Month Certificate of Deposit
$0
0.03% ▼ 2.47% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.47% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
3 Month Certificate of Deposit
$0
0.02% ▼ 2.48% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.48% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
3 Month Certificate of Deposit
$0
0.01% ▼ 2.49% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.49% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.08% above Texas avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificate of Deposit
$0
4.44% ▲ 1.94% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.09%
Details

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

Balance: $1,000,000.00 and over

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

IRA Certificate; minimum deposit tier $250,001

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

Balance: $250,000.00 - $999,999.99

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

IRA Certificate; minimum deposit tier $100,001

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.18%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$250,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details

Balance tier starting at $250,001; Minimum Deposit column

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$50,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $50,001

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97%
3.47%4.05%4.63%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.13%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Month Momentum Share Certificate
$0
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details

Special; Balance: $1000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.10% ▲ 1.60% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month Certificate
$0
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details

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

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.08%▲ from 3.72%
  • Sep 16, 20263.72%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$100,001
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.09%
Details

Balance tier starting at $100,001; Minimum Deposit column

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$1,000
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $1,000

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$50,001
4.02% ▲ 1.52% above Texas avg
View
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.52% above avgNationally 2.09%
Details

Balance tier starting at $50,001; Minimum Deposit column

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.50% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. 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.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$1,000
3.97% ▲ 1.47% above Texas avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.47% above avgNationally 2.09%
Details

Balance tier starting at $1,000; Minimum Deposit column

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
3.37%3.92%4.47%Sep 14, 2026: 3.87% APYSep 21, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20263.97%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
90 Day Certificate
$1,000
3.90% ▲ 1.40% above Texas avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.40% above avgNationally 2.09%
Details

Compounded:; Credited: At Maturity

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 14, 2026
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day Certificate of Deposit
$0
3.87% ▲ 1.37% above Texas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.37% above avgNationally 2.09%
Details

Rate History
1 change since Sep 24, 2026 · 3.51% → 3.87% ▲ 0.36 pts · high 3.87% / low 3.51%
3.01%3.69%4.37%Sep 24, 2026: 3.51% APYSep 28, 2026: 3.87% APYSep 24, 2026Oct 14, 2026
  • Sep 28, 20263.87%▲ from 3.51%
  • Sep 24, 20263.51%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3 Month Jumbo Share Certificate
$10,000
3.81% ▲ 1.31% above Texas avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.31% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 8, 2026: 3.81% APYOct 8, 2026Oct 14, 2026

Frisco 6 Month CD Rates

Texas 6 Month CD Average3.25% APYNational 2.77%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
6 Month Certificate
$1,000
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details

Account 34; Interest Monthly; Min. $1,000; Requires $5,000 New Money for 4.50% APY, otherwise 4.00% APY

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates - 6 Month
$500
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details

Code 89; Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
Jumbo Certificate - 6 Month
$0
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details

Interest paid monthly; JUMBO; account code 54

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates - 6 Month
$500
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details

Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
6 Month 360 CDs
$0
4.30% ▲ 1.05% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
6 Month Jumbo CD
$50,000
4.11% ▲ 0.86% above Texas avg
View
▼
Rate4.03%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.86% above avgNationally 2.77%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Sep 22, 2026: 4.11% APYSep 22, 2026Oct 14, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, TX 75034
Certificate - 6 Months
$500
4.07% ▲ 0.82% above Texas avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.82% above avgNationally 2.77%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 14, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
2600 Dallas Pkwy, Frisco, TX 75034
6 Month CD
$0
4.05% ▲ 0.80% above Texas avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.80% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 3, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
6 Month Standard CDs
$1,000
4.00% ▲ 0.75% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.75% above avgNationally 2.77%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 18, 2026: 3.85% APYSep 22, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.00%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
6-Month Certificate
$1,000
3.85% ▲ 0.60% above Texas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.60% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
6 Month Regular CD
$0
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
6-Month CD
$0
3.75% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
6-Month Term
$1,000
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
11811 Custard Rd, Frisco, TX 75035
6-month CD
$0
3.65% ▲ 0.40% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
6 Month CD
$100,000
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
180 Day Certificate of Deposit
$0
3.60% ▲ 0.35% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
2.60%3.35%4.10%Sep 18, 2026: 3.10% APYSep 24, 2026: 3.50% APYOct 2, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.60%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
6 Month IRA Certificate
$0
3.45% ▲ 0.20% above Texas avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.25%▲ 0.20% above avgNationally 2.77%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
6 Month Share Certificates
$0
3.45% ▲ 0.20% above Texas avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.25%▲ 0.20% above avgNationally 2.77%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
6 Month Certificate
$0
3.30% ▲ 0.05% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.05% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
180 Day Certificate of Deposit
$0
3.20% ▼ 0.05% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 0.05% below avgNationally 2.77%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70%
2.20%2.95%3.70%Sep 18, 2026: 2.70% APYSep 27, 2026: 3.10% APYOct 2, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.20%▲ from 3.10%
  • Sep 27, 20263.10%▲ from 2.70%
  • Sep 18, 20262.70%first recorded
CCSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2601 Network Blvd, Frisco, TX 75034
Youth Account - 6 month CD (Term Share)
$0
3.00% ▼ 0.25% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▼ 0.25% below avgNationally 2.77%
Details

Youth Account Rates

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Jumbo Certificates - 6 months
$0
2.89% ▼ 0.36% below Texas avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.36% below avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 2.89% ▲ 0.04 pts · high 2.89% / low 2.85%
2.35%2.87%3.39%Sep 18, 2026: 2.85% APYOct 1, 2026: 2.89% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.89%▲ from 2.85%
  • Sep 18, 20262.85%first recorded
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
6 Month IRA Certificate
$500
2.88% ▼ 0.37% below Texas avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▼ 0.37% below avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 2.88% APY · checked 7 times
2.38%2.88%3.38%Sep 19, 2026: 2.88% APYSep 19, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
Certificates of Deposit (CDs) - 180 Day
$500
2.88% ▼ 0.37% below Texas avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▼ 0.37% below avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 2.88% APY · checked 2 times
2.38%2.88%3.38%Oct 7, 2026: 2.88% APYOct 7, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Junior Jumbo Certificates - 6 months
$0
2.78% ▼ 0.47% below Texas avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.47% below avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 2.74% → 2.78% ▲ 0.04 pts · high 2.78% / low 2.74%
2.24%2.76%3.28%Sep 18, 2026: 2.74% APYOct 1, 2026: 2.78% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.78%▲ from 2.74%
  • Sep 18, 20262.74%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Certificates - 6 months
$0
2.68% ▼ 0.57% below Texas avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.57% below avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 2.64% → 2.68% ▲ 0.04 pts · high 2.68% / low 2.64%
2.14%2.66%3.18%Sep 18, 2026: 2.64% APYOct 1, 2026: 2.68% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.68%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
6 Month CD
$1,000
2.52% ▼ 0.73% below Texas avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 0.73% below avgNationally 2.77%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 2.50% → 2.52% ▲ 0.02 pts · high 2.52% / low 2.50%
2.00%2.51%3.02%Sep 14, 2026: 2.50% APYSep 18, 2026: 2.52% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20262.52%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2601 Network Blvd, Frisco, TX 75034
Certificate of Deposit (CD) - 6 Months
$0
2.50% ▼ 0.75% below Texas avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▼ 0.75% below avgNationally 2.77%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
16066 State Highway 121, Frisco, TX 75035
6 Month CD
$500
2.25% ▼ 1.00% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 1.00% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2610 Network Blvd Ste 600, Frisco, TX 75034 6009
6 month Certificate
$0
1.25% ▼ 2.00% below Texas avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▼ 2.00% below avgNationally 2.77%
Details

Certificate Rates & IRA Certificate Rates; Penalties may apply for early withdrawals

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 14, 2026
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2601 Network Blvd, Frisco, TX 75034
Term Share Certificate - 6 Month
$0
0.80% ▼ 2.45% below Texas avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▼ 2.45% below avgNationally 2.77%
Details

Early Withdrawal Penalty Applies; Fees may reduce the earnings on the account

Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 5 times
0.30%0.80%1.30%Sep 14, 2026: 0.80% APYSep 14, 2026Oct 14, 2026
El Monte Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2601 NETWORK BLVD, FRISCO, TX 75034
6 Month Certificate
$0
0.75% ▼ 2.50% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 2.50% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4851 Legacy Dr, Frisco, TX 75034
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.19% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.19% below avgNationally 2.77%
Details

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

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4851 Legacy Dr, Frisco, TX 75034
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.19% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.19% below avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4851 Legacy Dr, Frisco, TX 75034
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.20% below Texas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.20% below avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
6 Month Certificate of Deposit
$0
0.03% ▼ 3.22% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.22% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
6 Month Certificate of Deposit
$0
0.02% ▼ 3.23% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.23% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
6 Month Certificate of Deposit
$0
0.01% ▼ 3.24% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.24% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6 Month Jumbo Certificate of Deposit
$0
4.54% ▲ 1.29% above Texas avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.29% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 8, 2026: 4.54% APYOct 8, 2026Oct 14, 2026
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month CD Offer
$0
4.44% ▲ 1.19% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 1.19% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
3.78%4.36%4.94%Sep 14, 2026: 4.28% APYOct 3, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.44%▲ from 4.28%
  • Sep 14, 20264.28%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate
$250
4.33% ▲ 1.08% above Texas avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.08% above avgNationally 2.77%
Details

Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 14, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.08% above avgNationally 2.77%
Details

Ages: 13-17; Teens Earning And Learning certificate; current dividend 4.33% APY compounded monthly; open in local branch

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6-Month Promo Certificate
$0
4.30% ▲ 1.05% above Texas avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details

Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date April 1, 2026. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate.

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

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

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6 Month Certificate
$0
4.30% ▲ 1.05% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details

Certificate Rates (100,000 minimum balance)

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 14, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
6 Month Certificate of Deposit
$0
4.25% ▲ 1.00% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Share Certificates - Term Deposit -6 Months
$5,000
4.25% ▲ 1.00% above Texas avg
View
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Share Certificate - Term Deposit -6 Months
$1,000
4.25% ▲ 1.00% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 6 Months
$500
4.24% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.99% above avgNationally 2.77%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
3.32%4.03%4.74%Sep 16, 2026: 3.82% APYOct 8, 2026: 4.24% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.24%▲ from 3.82%
  • Sep 16, 20263.82%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$250,001
4.23% ▲ 0.98% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.98% above avgNationally 2.77%
Details

Dividend rate tier starting at $250,001

Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 9, 2026: 4.23% APYOct 9, 2026Oct 14, 2026

Frisco 12 Month CD Rates

Texas 12 Month CD Average3.38% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
12 Month 360 CDs
$0
4.30% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, TX 75034
Certificate - 12 Months
$500
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYOct 1, 2026: 4.18% APYOct 13, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 4.18%
  • Oct 1, 20264.18%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
12 Month Jumbo CD
$50,000
4.20% ▲ 0.82% above Texas avg
View
▼
Rate4.13%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.82% above avgNationally 2.99%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 22, 2026: 4.20% APYSep 22, 2026Oct 14, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
2600 Dallas Pkwy, Frisco, TX 75034
12 Month CD (also IRA)
$0
4.15% ▲ 0.77% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.77% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYOct 3, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
12 Month Standard CDs
$1,000
4.10% ▲ 0.72% above Texas avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, TX 75034
12 Month Children's Certificate
$100
4.07% ▲ 0.69% above Texas avg
View
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.69% above avgNationally 2.99%
Details

Children's certificate; Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
1-year online CDs
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
12 Month Certificate
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
12 Month Certificate
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Account 32; Interest Monthly; Min. $1,000

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates - 12 Month
$500
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Code 83; Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
Jumbo Certificate - 12 Month
$0
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Interest paid monthly; JUMBO; account code 52

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates - 12 Month
$500
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
12 Month Bump Rate CD
$5,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 18, 2026: 3.90% APYSep 22, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.00%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
1-Year CD
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
1-Year Term
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
Youth/Young Adult 12-Month Certificate
$250
3.90% ▲ 0.52% above Texas avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.52% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 18, 2026: 3.80% APYSep 27, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.90%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
1 Year IRA
$1,000
3.86% ▲ 0.48% above Texas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.48% above avgNationally 2.99%
Details

A penalty may be imposed for early withdrawal; IRAs may only be opened for terms of 1 year or more; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 18, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.86%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
12-Month Certificate
$1,000
3.85% ▲ 0.47% above Texas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.47% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
1 Year CD
$100,000
3.80% ▲ 0.42% above Texas avg
View
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.42% above avgNationally 2.99%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
12 Month Regular CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
CCSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2601 Network Blvd, Frisco, TX 75034
Youth Account - 12 month CD (Term Share)
$0
3.56% ▲ 0.18% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.18% above avgNationally 2.99%
Details

Youth Account Rates

Rate History
No change since Oct 13, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 14, 2026
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2601 Network Blvd, Frisco, TX 75034
Certificate of Deposit (CD) - 12 Months
$0
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Texans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3232 Main St, Frisco, TX 75033 4424
12 Month Certificate
$500
3.50% ▲ 0.12% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

APY is accurate as of 02/23/2026. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. If the balance on a $100,000 or more Certificate Account falls below the minimum balance requirements, it will automatically renew at the applicable APY for the same term Certificate Account. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
12 Month No Penalty CD
$0
3.50% ▲ 0.12% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
No Penalty CD - 12 Month
$0
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
12 Month IRA Certificate
$0
3.40% ▲ 0.02% above Texas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.38%▲ 0.02% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
12 Month Share Certificates
$0
3.40% ▲ 0.02% above Texas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.38%▲ 0.02% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
12 Month Certificate of Deposit
$0
3.35% ▼ 0.03% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.03% below avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.35% ▲ 0.35 pts · high 3.35% / low 3.00%
2.50%3.18%3.85%Sep 18, 2026: 3.00% APYSep 24, 2026: 3.25% APYOct 2, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.35%▲ from 3.25%
  • Sep 24, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5125 Preston Rd, Frisco, TX 75034
12-month CD
$0
3.25% ▼ 0.13% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.13% below avgNationally 2.99%
Details

Special rate for select new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Jumbo Certificates - 1 year
$0
3.17% ▼ 0.21% below Texas avg
View
▼
Rate3.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▼ 0.21% below avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.02% → 3.17% ▲ 0.15 pts · high 3.17% / low 3.02%
2.52%3.09%3.67%Sep 18, 2026: 3.02% APYOct 1, 2026: 3.17% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.17%▲ from 3.02%
  • Sep 18, 20263.02%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Junior Jumbo Certificates - 1 year
$0
3.06% ▼ 0.32% below Texas avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▼ 0.32% below avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 2.92% → 3.06% ▲ 0.14 pts · high 3.06% / low 2.92%
2.42%2.99%3.56%Sep 18, 2026: 2.92% APYOct 1, 2026: 3.06% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.06%▲ from 2.92%
  • Sep 18, 20262.92%first recorded
CCSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2601 Network Blvd, Frisco, TX 75034
Share Certificate 12 Month
$0
3.04% ▼ 0.34% below Texas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▼ 0.34% below avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 days interest

Rate History
No change since Sep 30, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 30, 2026: 3.04% APYSep 30, 2026Oct 14, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
1 Year CD
$1,000
3.03% ▼ 0.35% below Texas avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.35% below avgNationally 2.99%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.03% ▲ 0.03 pts · high 3.03% / low 3.00%
2.50%3.01%3.53%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.03%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Dinero Teens Starter Certificate1 - 1 year
$0
2.96% ▼ 0.42% below Texas avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▼ 0.42% below avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 2.82% → 2.96% ▲ 0.14 pts · high 2.96% / low 2.82%
2.32%2.89%3.46%Sep 18, 2026: 2.82% APYOct 6, 2026: 2.96% APYSep 18, 2026Oct 14, 2026
  • Oct 6, 20262.96%▲ from 2.82%
  • Sep 18, 20262.82%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Money Musketeers Starter Certificate1 - 1 year
$0
2.96% ▼ 0.42% below Texas avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▼ 0.42% below avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 2.82% → 2.96% ▲ 0.14 pts · high 2.96% / low 2.82%
2.32%2.89%3.46%Sep 18, 2026: 2.82% APYOct 6, 2026: 2.96% APYSep 18, 2026Oct 14, 2026
  • Oct 6, 20262.96%▲ from 2.82%
  • Sep 18, 20262.82%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Certificates - 1 year
$0
2.96% ▼ 0.42% below Texas avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▼ 0.42% below avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 2.82% → 2.96% ▲ 0.14 pts · high 2.96% / low 2.82%
2.32%2.89%3.46%Sep 18, 2026: 2.82% APYOct 1, 2026: 2.96% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.96%▲ from 2.82%
  • Sep 18, 20262.82%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
12 Month Certificate of Deposit
$0
2.90% ▼ 0.48% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.48% below avgNationally 2.99%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.55% → 2.90% ▲ 0.35 pts · high 2.90% / low 2.55%
2.05%2.72%3.40%Sep 18, 2026: 2.55% APYSep 27, 2026: 2.80% APYOct 2, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20262.90%▲ from 2.80%
  • Sep 27, 20262.80%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
12 Month Fixed IRA
$0
2.90% ▼ 0.48% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.48% below avgNationally 2.99%
Details

Rate History
No change since Oct 2, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 2, 2026: 2.90% APYOct 2, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
1 Year IRA Certificate
$500
2.88% ▼ 0.50% below Texas avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.50% below avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 2.88% APY · checked 7 times
2.38%2.88%3.38%Sep 19, 2026: 2.88% APYSep 19, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
Certificates of Deposit (CDs) - 1 Year
$500
2.88% ▼ 0.50% below Texas avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.50% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.88% APY · checked 2 times
2.38%2.88%3.38%Oct 7, 2026: 2.88% APYOct 7, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
Save to Win 12-Month Certificate
$25
2.75% ▼ 0.63% below Texas avg
View
▼
Rate2.72%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▼ 0.63% below avgNationally 2.99%
Details

Balance: $25 - $9,999.99

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
12 Month CD
$500
2.00% ▼ 1.38% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.38% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
16066 State Highway 121, Frisco, TX 75035
1 Year CD
$500
2.00% ▼ 1.38% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.38% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4851 Legacy Dr, Frisco, TX 75034
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.87% below Texas avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.87% below avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4851 Legacy Dr, Frisco, TX 75034
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.87% below Texas avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.87% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4851 Legacy Dr, Frisco, TX 75034
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.88% below Texas avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.88% below avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2610 Network Blvd Ste 600, Frisco, TX 75034 6009
12 month Certificate
$0
1.45% ▼ 1.93% below Texas avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▼ 1.93% below avgNationally 2.99%
Details

Certificate Rates & IRA Certificate Rates; Penalties may apply for early withdrawals

Rate History
No change since Sep 25, 2026 · 1.45% APY · checked 3 times
0.95%1.45%1.95%Sep 25, 2026: 1.45% APYSep 25, 2026Oct 14, 2026
El Monte Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2601 NETWORK BLVD, FRISCO, TX 75034
12 Month Certificate
$0
1.00% ▼ 2.38% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▼ 2.38% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2601 Network Blvd, Frisco, TX 75034
Term Share Certificate - 12 Month
$0
0.90% ▼ 2.48% below Texas avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▼ 2.48% below avgNationally 2.99%
Details

Early Withdrawal Penalty Applies; Fees may reduce the earnings on the account

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 5 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 14, 2026
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2601 Network Blvd, Frisco, TX 75034
Term Share Certificate - 12 Month - Save to Win
$0
0.60% ▼ 2.78% below Texas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▼ 2.78% below avgNationally 2.99%
Details

Save to Win; Early Withdrawal Penalty Applies; Fees may reduce the earnings on the account

Rate History
No change since Oct 12, 2026 · 0.60% APY
0.10%0.60%1.10%Oct 12, 2026: 0.60% APYOct 12, 2026Oct 14, 2026

Frisco 18 Month CD Rates

Texas 18 Month CD Average3.27% APYNational 2.88%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
18 Month 360 CDs
$0
4.30% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 1.03% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
18 Month Jumbo CD
$50,000
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
18 Month Standard CDs
$1,000
4.15% ▲ 0.88% above Texas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.88%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 18, 2026: 3.80% APYSep 22, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.15%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
18 Month Bump Rate CD
$5,000
4.04% ▲ 0.77% above Texas avg
View
▼
Rate3.97%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.77% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.04% ▲ 0.34 pts · high 4.04% / low 3.70%
3.20%3.87%4.54%Sep 18, 2026: 3.70% APYSep 22, 2026: 4.04% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.04%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
7000 Preston Rd, Frisco, TX 75034
18-month CD
$0
4.00% ▲ 0.73% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
Details

Special promotional rate.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
4040 Preston Rd, Frisco, TX 75034
18 Month SuperSaver Certificate
$1,000
3.91% ▲ 0.64% above Texas avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.64% above avgNationally 2.88%
Details

Balance: $75,000 and over; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days

Rate History
1 change since Sep 20, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
3.30%3.86%4.41%Sep 20, 2026: 3.80% APYOct 4, 2026: 3.91% APYSep 20, 2026Oct 14, 2026
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 20, 20263.80%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
4040 Preston Rd, Frisco, TX 75034
18 Month SuperSaver Certificate
$1,000
3.86% ▲ 0.59% above Texas avg
View
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.59% above avgNationally 2.88%
Details

Balance: $20,000 - $74,999.99; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days

Rate History
1 change since Sep 20, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75%
3.25%3.80%4.36%Sep 20, 2026: 3.75% APYOct 4, 2026: 3.86% APYSep 20, 2026Oct 14, 2026
  • Oct 4, 20263.86%▲ from 3.75%
  • Sep 20, 20263.75%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
18-Month Certificate
$1,000
3.80% ▲ 0.53% above Texas avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.53% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 18, 2026: 3.70% APYSep 27, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
4040 Preston Rd, Frisco, TX 75034
18 Month SuperSaver Certificate
$1,000
3.79% ▲ 0.52% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.52% above avgNationally 2.88%
Details

Balance: $5,000 - $19,999.99; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days

Rate History
1 change since Sep 20, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69%
3.19%3.74%4.29%Sep 20, 2026: 3.69% APYOct 4, 2026: 3.79% APYSep 20, 2026Oct 14, 2026
  • Oct 4, 20263.79%▲ from 3.69%
  • Sep 20, 20263.69%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
4040 Preston Rd, Frisco, TX 75034
18 Month SuperSaver Certificate
$1,000
3.75% ▲ 0.48% above Texas avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details

Balance: $1,000 - $4,999.99; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days

Rate History
1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 20, 2026: 3.65% APYOct 4, 2026: 3.75% APYSep 20, 2026Oct 14, 2026
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 20, 20263.65%first recorded
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
18 Month Regular CD
$0
3.70% ▲ 0.43% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.88%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
18 Month Certificate
$0
3.60% ▲ 0.33% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
18 Month CD
$100,000
3.55% ▲ 0.28% above Texas avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.28% above avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.55% / low 3.39%
2.89%3.47%4.05%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.55%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, TX 75034
Certificate - 18 Months
$500
3.51% ▲ 0.24% above Texas avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.24% above avgNationally 2.88%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 13, 2026: 3.51% APYOct 13, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.49% ▲ 0.22% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.28% → 3.49% ▲ 0.21 pts · high 3.49% / low 3.28%
2.78%3.39%3.99%Sep 18, 2026: 3.28% APYOct 1, 2026: 3.49% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.49%▲ from 3.28%
  • Sep 18, 20263.28%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Junior Jumbo Certificates - 18 months
$0
3.39% ▲ 0.12% above Texas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.12% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.18% → 3.39% ▲ 0.21 pts · high 3.39% / low 3.18%
2.68%3.29%3.89%Sep 18, 2026: 3.18% APYOct 1, 2026: 3.39% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.39%▲ from 3.18%
  • Sep 18, 20263.18%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
18 Month IRA Certificate
$0
3.35% ▲ 0.08% above Texas avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.27%▲ 0.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
18 Month Share Certificates
$0
3.35% ▲ 0.08% above Texas avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.27%▲ 0.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 14, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
18 Month CD
$1,000
3.34% ▲ 0.07% above Texas avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.07% above avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.34% ▲ 0.09 pts · high 3.34% / low 3.25%
2.75%3.30%3.84%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.34% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.34%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Certificates - 18 months
$0
3.29% ▲ 0.02% above Texas avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.02% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.07% → 3.29% ▲ 0.22 pts · high 3.29% / low 3.07%
2.57%3.18%3.79%Sep 18, 2026: 3.07% APYOct 1, 2026: 3.29% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.29%▲ from 3.07%
  • Sep 18, 20263.07%first recorded
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2601 Network Blvd, Frisco, TX 75034
Certificate of Deposit (CD) - 18 Months
$0
3.25% ▼ 0.02% below Texas avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▼ 0.02% below avgNationally 2.88%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
18 Month IRA Certificate
$500
2.88% ▼ 0.39% below Texas avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▼ 0.39% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 2.88% APY · checked 7 times
2.38%2.88%3.38%Sep 19, 2026: 2.88% APYSep 19, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
Certificates of Deposit (CDs) - 18 Months
$500
2.88% ▼ 0.39% below Texas avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▼ 0.39% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.88% APY · checked 2 times
2.38%2.88%3.38%Oct 7, 2026: 2.88% APYOct 7, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
18-Month CD
$0
2.75% ▼ 0.52% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▼ 0.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
18-Month Term
$1,000
2.75% ▼ 0.52% below Texas avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▼ 0.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 14, 2026
El Monte Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2601 NETWORK BLVD, FRISCO, TX 75034
18 Month Certificate
$0
1.25% ▼ 2.02% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▼ 2.02% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2601 Network Blvd, Frisco, TX 75034
Term Share Certificate - 18 Month
$0
1.00% ▼ 2.27% below Texas avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▼ 2.27% below avgNationally 2.88%
Details

Early Withdrawal Penalty Applies; Fees may reduce the earnings on the account

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
18 Month Variable IRA
$0
0.90% ▼ 2.37% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 2.37% below avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 2, 2026: 0.90% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
18 Month Certificate of Deposit
$0
0.03% ▼ 3.24% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.24% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
18 Month Certificate of Deposit
$0
0.02% ▼ 3.25% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.25% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
18 Month CD
$500
0.02% ▼ 3.25% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.25% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
18 Month Certificate of Deposit
$0
0.01% ▼ 3.26% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.26% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

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

Specials

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

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

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.40% ▲ 1.13% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 1.13% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35% ▲ 1.08% above Texas avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
3.15%4.05%4.95%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month Share Certificates
$1,000
4.35% ▲ 1.08% above Texas avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.35% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month CD
$500
4.35% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 18 Months
$500
4.33% ▲ 1.06% above Texas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 1.06% above avgNationally 2.88%
Details

Dividends Credited/Compounded: Monthly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 14, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Super Jumbo Certificate
$225,000
4.27% ▲ 1.00% above Texas avg
View
▼
Rate4.20%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 1.00% above avgNationally 2.88%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
3.61%4.19%4.77%Sep 14, 2026: 4.11% APYOct 4, 2026: 4.27% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.27%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Star Certificates of Deposit (CDs)
$0
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Bump-Up CD; Available for a limited time only!; 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. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.25% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificate of Deposit - 18 Months
$50,000
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Jumbo ($50K plus)

Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.25% ▲ 0.95 pts · high 4.25% / low 3.30%
2.35%3.78%5.20%Sep 14, 2026: 3.30% APYSep 22, 2026: 4.15% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 4.15%
  • Sep 22, 20264.15%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20% ▲ 0.93% above Texas avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.93% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Jumbo Certificate
$95,000
4.16% ▲ 0.89% above Texas avg
View
▼
Rate4.10%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.89% above avgNationally 2.88%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 14, 2026
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
18 Month Certificate
$1,000
4.15% ▲ 0.88% above Texas avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.88%
Details

Compounded: Quarterly; Credited: Quarterly

Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 24, 2026: 4.15% APYSep 24, 2026Oct 14, 2026

Frisco 24 Month CD Rates

Texas 24 Month CD Average3.22% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
24 Month 360 CDs
$0
4.30% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
24 Month Jumbo CD
$50,000
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
24 Month Standard CDs
$1,000
4.15% ▲ 0.93% above Texas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 18, 2026: 3.80% APYSep 22, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.15%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
24 Month Bump Rate CD
$5,000
4.04% ▲ 0.82% above Texas avg
View
▼
Rate3.97%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.82% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.04% ▲ 0.34 pts · high 4.04% / low 3.70%
3.20%3.87%4.54%Sep 18, 2026: 3.70% APYSep 22, 2026: 4.04% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.04%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.89% ▲ 0.67% above Texas avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.67% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60%
3.10%3.75%4.39%Sep 18, 2026: 3.60% APYOct 1, 2026: 3.89% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.89%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.78% ▲ 0.56% above Texas avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49%
2.99%3.64%4.28%Sep 18, 2026: 3.49% APYOct 1, 2026: 3.78% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.78%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Certificates - 2 years
$0
3.68% ▲ 0.46% above Texas avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.39% → 3.68% ▲ 0.29 pts · high 3.68% / low 3.39%
2.89%3.54%4.18%Sep 18, 2026: 3.39% APYOct 1, 2026: 3.68% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.68%▲ from 3.39%
  • Sep 18, 20263.39%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
24-Month Certificate
$1,000
3.65% ▲ 0.43% above Texas avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
24 Month Regular CD
$0
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
2 Year IRA
$1,000
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal; IRAs may only be opened for terms of 1 year or more; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.55% ▲ 0.11 pts · high 3.55% / low 3.44%
2.94%3.50%4.05%Sep 14, 2026: 3.44% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.55%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, TX 75034
Certificate - 24 Months
$500
3.51% ▲ 0.29% above Texas avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.29% above avgNationally 2.88%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 13, 2026: 3.51% APYOct 13, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
24 Month Certificate
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
2 Year CD
$100,000
3.49% ▲ 0.27% above Texas avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.27% above avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.34% → 3.49% ▲ 0.15 pts · high 3.49% / low 3.34%
2.84%3.42%3.99%Sep 14, 2026: 3.34% APYSep 18, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.49%▲ from 3.34%
  • Sep 14, 20263.34%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
24 Month IRA Certificate
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
24 Month Share Certificates
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2601 Network Blvd, Frisco, TX 75034
Certificate of Deposit (CD) - 24 Months
$0
3.35% ▲ 0.13% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.13% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates - 24 Month
$500
3.30% ▲ 0.08% above Texas avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.88%
Details

Code 84; Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
Jumbo Certificate - 24 Month
$0
3.30% ▲ 0.08% above Texas avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.88%
Details

Interest paid monthly; JUMBO; account code 56

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates - 24 Month
$500
3.30% ▲ 0.08% above Texas avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.88%
Details

Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
CCSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2601 Network Blvd, Frisco, TX 75034
Share Certificate 24 Month
$0
3.30% ▲ 0.08% above Texas avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 90 days interest

Rate History
No change since Sep 30, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 30, 2026: 3.30% APYSep 30, 2026Oct 14, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
2600 Dallas Pkwy, Frisco, TX 75034
24 Month CD (also IRA)
$0
3.25% ▲ 0.03% above Texas avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
24 Month Certificate
$1,000
3.20% ▼ 0.02% below Texas avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▼ 0.02% below avgNationally 2.88%
Details

Account 36; Interest Monthly; Min. $1,000

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
24 Month Certificate of Deposit
$0
3.10% ▼ 0.12% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 2.90% → 3.10% ▲ 0.20 pts · high 3.10% / low 2.90%
2.40%3.00%3.60%Sep 18, 2026: 2.90% APYSep 24, 2026: 3.00% APYOct 2, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.10%▲ from 3.00%
  • Sep 24, 20263.00%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
2 Year CD
$1,000
3.03% ▼ 0.19% below Texas avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.19% below avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.03% ▲ 0.03 pts · high 3.03% / low 3.00%
2.50%3.01%3.53%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.03%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
Advantage IRA - 24 Months
$500
2.98% ▼ 0.24% below Texas avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▼ 0.24% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.98% APY · checked 8 times
2.48%2.98%3.48%Sep 14, 2026: 2.98% APYSep 14, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
2 Year IRA Certificate
$500
2.88% ▼ 0.34% below Texas avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▼ 0.34% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 2.88% APY · checked 7 times
2.38%2.88%3.38%Sep 19, 2026: 2.88% APYSep 19, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
Certificates of Deposit (CDs) - 2 Years
$500
2.88% ▼ 0.34% below Texas avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▼ 0.34% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.88% APY · checked 2 times
2.38%2.88%3.38%Oct 7, 2026: 2.88% APYOct 7, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
24 Month Certificate of Deposit
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40%
1.90%2.50%3.10%Sep 18, 2026: 2.40% APYSep 27, 2026: 2.50% APYOct 2, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20262.60%▲ from 2.50%
  • Sep 27, 20262.50%▲ from 2.40%
  • Sep 18, 20262.40%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7101 Warren Pkwy, Frisco, TX 75034
24 Month Fixed IRA
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 2, 2026: 2.60% APYOct 2, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
16066 State Highway 121, Frisco, TX 75035
2 Year CD
$500
2.25% ▼ 0.97% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.97% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
El Monte Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2601 NETWORK BLVD, FRISCO, TX 75034
24 Month Certificate
$0
1.50% ▼ 1.72% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 1.72% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
2-Year CD
$0
0.40% ▼ 2.82% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 2.82% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
2-Year Term
$1,000
0.40% ▼ 2.82% below Texas avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 2.82% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
2-Year RampUp Plus
$25,000
0.25% ▼ 2.97% below Texas avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 2.97% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
2 Year CD
$500
0.05% ▼ 3.17% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.17% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
24 Month Certificate of Deposit
$0
0.03% ▼ 3.19% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.19% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
24 Month Certificate of Deposit
$0
0.02% ▼ 3.20% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.20% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
24 Month Certificate of Deposit
$0
0.01% ▼ 3.21% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.21% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
24 Month Jumbo Certificate of Deposit
$0
4.86% ▲ 1.64% above Texas avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.64% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.86% APY · checked 2 times
4.36%4.86%5.36%Oct 8, 2026: 4.86% APYOct 8, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81% ▲ 1.59% above Texas avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.59% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificate
$0
4.75% ▲ 1.53% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.53% above avgNationally 2.88%
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55% ▲ 1.33% above Texas avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.33% above avgNationally 2.88%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
3.58%4.31%5.05%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.55% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.55%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate
$90,000
4.44% ▲ 1.22% above Texas avg
View
▼
Rate4.35%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.88%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 8, 2026: 4.44% APYOct 8, 2026Oct 14, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 Month Share Certificates
$1,000
4.40% ▲ 1.18% above Texas avg
View
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month CD
$500
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35% ▲ 1.13% above Texas avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 1.13% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Karnes County National Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.99%
Jumbo CD - 2 Year
$0
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.33% ▲ 1.08 pts · high 4.33% / low 3.25%
2.17%3.79%5.41%Sep 14, 2026: 3.25% APYOct 7, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.33%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate
$25,000
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.88%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 8, 2026: 4.33% APYOct 8, 2026Oct 14, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24 month CD
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 10, 2026: 4.30% APYOct 10, 2026Oct 14, 2026

Frisco 36 Month CD Rates

Texas 36 Month CD Average3.14% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
36 Month Jumbo CD
$50,000
4.35% ▲ 1.21% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.81%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
36 Month 360 CDs
$0
4.30% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
36 Month Standard CDs
$1,000
4.25% ▲ 1.11% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 18, 2026: 3.75% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.25%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Jumbo Certificates - 3 years
$0
4.24% ▲ 1.10% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
3.41%4.08%4.74%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.24% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.24%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
4.14% ▲ 1.00% above Texas avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.00% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
3.30%3.97%4.64%Sep 18, 2026: 3.80% APYOct 1, 2026: 4.14% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.14%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Certificates - 3 years
$0
4.03% ▲ 0.89% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.89% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70%
3.20%3.87%4.53%Sep 18, 2026: 3.70% APYOct 1, 2026: 4.03% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.03%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, TX 75034
Certificate - 36 Months
$500
3.67% ▲ 0.53% above Texas avg
View
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.53% above avgNationally 2.81%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 13, 2026: 3.67% APYOct 13, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
36 Month Regular CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
36 Month Certificate
$0
3.50% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2601 Network Blvd, Frisco, TX 75034
Certificate of Deposit (CD) - 36 Months
$0
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
36 Month IRA Certificate
$0
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
36 Month Share Certificates
$0
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
36-Month Certificate
$1,000
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates - 36 Month
$500
3.40% ▲ 0.26% above Texas avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.26% above avgNationally 2.81%
Details

Code 86; Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
Jumbo Certificate - 36 Month
$0
3.40% ▲ 0.26% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.26% above avgNationally 2.81%
Details

Interest paid monthly; JUMBO; account code 58

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates - 36 Month
$500
3.40% ▲ 0.26% above Texas avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.26% above avgNationally 2.81%
Details

Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
36 Month Certificate
$1,000
3.30% ▲ 0.16% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.16% above avgNationally 2.81%
Details

Account 38; Interest Monthly; Min. $1,000

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
2600 Dallas Pkwy, Frisco, TX 75034
36 Month CD
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
3 Year IRA Certificate
$500
2.83% ▼ 0.31% below Texas avg
View
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 0.31% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 2.83% APY · checked 7 times
2.33%2.83%3.33%Sep 19, 2026: 2.83% APYSep 19, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
Certificates of Deposit (CDs) - 3 Years
$500
2.83% ▼ 0.31% below Texas avg
View
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 0.31% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.83% APY · checked 2 times
2.33%2.83%3.33%Oct 7, 2026: 2.83% APYOct 7, 2026Oct 14, 2026
El Monte Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2601 NETWORK BLVD, FRISCO, TX 75034
36 Month Certificate
$0
1.75% ▼ 1.39% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 1.39% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
16066 State Highway 121, Frisco, TX 75035
3 Year CD
$500
1.40% ▼ 1.74% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.74% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
3-Year CD
$0
0.40% ▼ 2.74% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 2.74% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
3-Year Term
$1,000
0.40% ▼ 2.74% below Texas avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 2.74% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
3-Year RampUp
$25,000
0.25% ▼ 2.89% below Texas avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 2.89% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
3 Year CD
$500
0.05% ▼ 3.09% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.09% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
36 Month Certificate of Deposit
$0
0.03% ▼ 3.11% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.11% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
36 Month Certificate of Deposit
$0
0.02% ▼ 3.12% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.12% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
36 Month Certificate of Deposit
$0
0.01% ▼ 3.13% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.13% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36-Month IRA
$0
5.02% ▲ 1.88% above Texas avg
View
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.88% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 5.02% APY
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 14, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Month Jumbo Certificate of Deposit
$0
4.96% ▲ 1.82% above Texas avg
View
▼
Rate4.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.82% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.96% APY · checked 2 times
4.46%4.96%5.46%Oct 8, 2026: 4.96% APYOct 8, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 36 Months
$500
4.71% ▲ 1.57% above Texas avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.57% above avgNationally 2.81%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
3.55%4.42%5.29%Sep 16, 2026: 4.13% APYOct 8, 2026: 4.71% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.71%▲ from 4.13%
  • Sep 16, 20264.13%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
36 Month Certificate
$1,000
4.50% ▲ 1.36% above Texas avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 25, 2026: 4.20% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.50%▲ from 4.20%
  • Sep 25, 20264.20%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Year Business CD
$5,000
4.50% ▲ 1.36% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$90,000
4.49% ▲ 1.35% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.35% above avgNationally 2.81%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APYOct 8, 2026Oct 14, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month IRA Share CD
$0
4.41% ▲ 1.27% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.81%
Details

IRA

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
3.42%4.17%4.91%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.41% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.41%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Jumbo Share CD
$0
4.41% ▲ 1.27% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.81%
Details

Balance: $95,000+; Jumbo ($95K+)

Rate History
1 change since Sep 22, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
3.42%4.17%4.91%Sep 22, 2026: 3.92% APYOct 10, 2026: 4.41% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.41%▲ from 3.92%
  • Sep 22, 20263.92%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40% ▲ 1.26% above Texas avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.26% above avgNationally 2.81%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$25,000
4.39% ▲ 1.25% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.25% above avgNationally 2.81%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 14, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Junior Jumbo Share CD
$0
4.35% ▲ 1.21% above Texas avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.81%
Details

Junior Jumbo ($50K - $95K)

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.35% ▲ 0.48 pts · high 4.35% / low 3.87%
3.37%4.11%4.85%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.35% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Super Jumbo Certificate
$225,000
4.32% ▲ 1.18% above Texas avg
View
▼
Rate4.25%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.18% above avgNationally 2.81%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
3.66%4.24%4.82%Sep 14, 2026: 4.16% APYOct 4, 2026: 4.32% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.32%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA
$0
4.31% ▲ 1.17% above Texas avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.17% above avgNationally 2.81%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
3.40%4.10%4.81%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.31% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.31%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Citizens State Bank Sealy, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
4.30% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Annual Percentage Yield. The stated APY is accurate as of 9/21/2026. Penalties may apply. Fees may reduce earnings.

Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 28, 2026: 4.30% APYSep 28, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30% ▲ 1.16% above Texas avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Share CD
$0
4.30% ▲ 1.16% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.30% ▲ 0.48 pts · high 4.30% / low 3.82%
3.32%4.06%4.80%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.30%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$1,000
4.28% ▲ 1.14% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.14% above avgNationally 2.81%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 8, 2026: 4.28% APYOct 8, 2026Oct 14, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25% ▲ 1.11% above Texas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.11% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
36 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.11% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026

Frisco 48 Month CD Rates

Texas 48 Month CD Average3.04% APYNational 2.80%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47% ▲ 1.43% above Texas avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.43% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
3.62%4.30%4.97%Sep 18, 2026: 4.12% APYOct 1, 2026: 4.47% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.47%▲ from 4.12%
  • Sep 18, 20264.12%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.36% ▲ 1.32% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 18, 2026: 4.01% APYOct 1, 2026: 4.36% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.36%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
48 Month Jumbo CD
$50,000
4.35% ▲ 1.31% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.31% above avgNationally 2.80%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
48 Month 360 CDs
$0
4.30% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Certificates - 4 years
$0
4.26% ▲ 1.22% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
3.41%4.09%4.76%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.26% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.26%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
48 Month Standard CDs
$1,000
4.25% ▲ 1.21% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 18, 2026: 3.75% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.25%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, TX 75034
Certificate - 48 Months
$500
3.67% ▲ 0.63% above Texas avg
View
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.63% above avgNationally 2.80%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 13, 2026: 3.67% APYOct 13, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
48 Month Regular CD
$0
3.60% ▲ 0.56% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.56% above avgNationally 2.80%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
48 Month Certificate
$0
3.50% ▲ 0.46% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
48 Month IRA Certificate
$0
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
48 Month Share Certificates
$0
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates - 48 Month
$500
3.45% ▲ 0.41% above Texas avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.41% above avgNationally 2.80%
Details

Code 87; Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
Jumbo Certificate - 48 Month
$0
3.45% ▲ 0.41% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.41% above avgNationally 2.80%
Details

Interest paid monthly; JUMBO; account code 59

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates - 48 Month
$500
3.45% ▲ 0.41% above Texas avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.41% above avgNationally 2.80%
Details

Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
48 Month Certificate
$1,000
3.35% ▲ 0.31% above Texas avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.31% above avgNationally 2.80%
Details

Account 39; Interest Monthly; Min. $1,000

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
48-Month Certificate
$1,000
3.25% ▲ 0.21% above Texas avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.21% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
4 Year IRA Certificate
$500
2.78% ▼ 0.26% below Texas avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▼ 0.26% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 19, 2026: 2.78% APYSep 19, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
Certificates of Deposit (CDs) - 4 Years
$500
2.78% ▼ 0.26% below Texas avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▼ 0.26% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 7, 2026: 2.78% APYOct 7, 2026Oct 14, 2026
El Monte Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2601 NETWORK BLVD, FRISCO, TX 75034
48 Month Certificate
$0
2.00% ▼ 1.04% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 1.04% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
16066 State Highway 121, Frisco, TX 75035
4 Year CD
$500
1.15% ▼ 1.89% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 1.89% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
4-Year CD
$0
0.50% ▼ 2.54% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.54% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
4-Year Term
$1,000
0.50% ▼ 2.54% below Texas avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.54% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
4-Year RampUp
$50,000
0.25% ▼ 2.79% below Texas avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 2.79% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
4 Year CD
$500
0.15% ▼ 2.89% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 2.89% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
48 Month Certificate of Deposit
$0
0.03% ▼ 3.01% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.01% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
48 Month Certificate of Deposit
$0
0.02% ▼ 3.02% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.02% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
48 Month Certificate of Deposit
$0
0.01% ▼ 3.03% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.03% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

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

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.50% ▲ 1.46% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.46% above avgNationally 2.80%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$90,000
4.49% ▲ 1.45% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.45% above avgNationally 2.80%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APYOct 8, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40% ▲ 1.36% above Texas avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.80%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.40% ▲ 1.36% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.80%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$25,000
4.39% ▲ 1.35% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.35% above avgNationally 2.80%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 14, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Super Jumbo Certificate
$225,000
4.37% ▲ 1.33% above Texas avg
View
▼
Rate4.30%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.33% above avgNationally 2.80%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 14, 2026: 4.22% APYOct 4, 2026: 4.37% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.37%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.36% ▲ 1.32% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.80%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
3.46%4.16%4.86%Sep 18, 2026: 3.96% APYOct 2, 2026: 4.36% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.36%▲ from 3.96%
  • Sep 18, 20263.96%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30% ▲ 1.26% above Texas avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.30% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 14, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$1,000
4.28% ▲ 1.24% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.80%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 8, 2026: 4.28% APYOct 8, 2026Oct 14, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Jumbo or IRA CD
$25,000
4.28% ▲ 1.24% above Texas avg
View
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYOct 13, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Jumbo Certificate
$95,000
4.27% ▲ 1.23% above Texas avg
View
▼
Rate4.20%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.23% above avgNationally 2.80%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 4, 2026: 4.27% APYOct 4, 2026Oct 14, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.26% ▲ 1.22% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.80%
Details

Balance: $50,000 - $98,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
3.35%4.06%4.76%Sep 18, 2026: 3.85% APYOct 2, 2026: 4.26% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.26%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.21% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
48 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.21% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month CD
$0
4.25% ▲ 1.21% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.22% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.18% above avgNationally 2.80%
Details

Rate History
3 changes since Sep 14, 2026 · 3.87% → 4.22% ▲ 0.35 pts · high 4.22% / low 3.87%
3.37%4.05%4.72%Sep 14, 2026: 3.87% APYSep 18, 2026: 4.02% APYSep 25, 2026: 4.07% APYOct 13, 2026: 4.22% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.22%▲ from 4.07%
  • Sep 25, 20264.07%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.80%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 14, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 1.16% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.80%
Details

Balance: $95,000+; JUMBO

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

JUMBO $95,000+

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

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Share Certificate
$1,000
4.16% ▲ 1.12% above Texas avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.12% above avgNationally 2.80%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 14, 2026

Frisco 60 Month CD Rates

Texas 60 Month CD Average3.10% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 1.77% above Texas avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.77% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.76% ▲ 1.66% above Texas avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.66% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
3.89%4.57%5.26%Sep 18, 2026: 4.39% APYOct 1, 2026: 4.76% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.76%▲ from 4.39%
  • Sep 18, 20264.39%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6021 Preston Rd, Frisco, TX 75034
Regular, IRA & Business Certificates - 5 years
$0
4.66% ▲ 1.56% above Texas avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.56% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
3.78%4.47%5.16%Sep 18, 2026: 4.28% APYOct 1, 2026: 4.66% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.66%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
60 Month Jumbo CD
$50,000
4.35% ▲ 1.25% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.25% above avgNationally 2.91%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
60 Month 360 CDs
$0
4.30% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 1.20% above avgNationally 2.91%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4800 Main St, Frisco, TX 75033 3773
60 Month Standard CDs
$1,000
4.25% ▲ 1.15% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
5-year online CDs
$0
3.60% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.50% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
8989 Preston Rd, Frisco, TX 75034
60 Month Certificate
$0
3.60% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.50% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
60 Month Regular CD
$0
3.60% ▲ 0.50% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.50% above avgNationally 2.91%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
60 Month IRA Certificate
$0
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3333 Preston Rd, Frisco, TX 75034 9012
60 Month Share Certificates
$0
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates - 60 Month
$500
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Code 88; Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
Jumbo Certificate - 60 Month
$0
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Interest paid monthly; JUMBO; account code 60

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates - 60 Month
$500
3.50% ▲ 0.40% above Texas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.40% above avgNationally 2.91%
Details

Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
60 Month Certificate
$1,000
3.40% ▲ 0.30% above Texas avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.30% above avgNationally 2.91%
Details

Account 40; Interest Monthly; Min. $1,000

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
5 Year IRA
$1,000
3.29% ▲ 0.19% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.19% above avgNationally 2.91%
Details

A penalty may be imposed for early withdrawal; IRAs may only be opened for terms of 1 year or more; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.08% → 3.29% ▲ 0.21 pts · high 3.29% / low 3.08%
2.58%3.19%3.79%Sep 14, 2026: 3.08% APYSep 18, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.29%▲ from 3.08%
  • Sep 14, 20263.08%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
9151 Warren Pkwy, Frisco, TX 75035
60-Month Certificate
$1,000
3.25% ▲ 0.15% above Texas avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 0.15% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
5 Year CD
$100,000
3.24% ▲ 0.14% above Texas avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.14% above avgNationally 2.91%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $100,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 3.14% → 3.24% ▲ 0.10 pts · high 3.24% / low 3.14%
2.64%3.19%3.74%Sep 14, 2026: 3.14% APYSep 18, 2026: 3.24% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.24%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
5665 Dallas Pkwy, Frisco, TX 75034
5 Year CD
$1,000
3.03% ▼ 0.07% below Texas avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 0.07% below avgNationally 2.91%
Details

A penalty may be imposed for early withdrawal; Must maintain a minimum balance of $1,000 to obtain the disclosed APY

Rate History
1 change since Sep 14, 2026 · 2.07% → 3.03% ▲ 0.96 pts · high 3.03% / low 2.07%
1.11%2.55%3.99%Sep 14, 2026: 2.07% APYSep 18, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.03%▲ from 2.07%
  • Sep 14, 20262.07%first recorded
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
2600 Dallas Pkwy, Frisco, TX 75034
60 Month CD
$0
3.00% ▼ 0.10% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 0.10% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
5 Year IRA Certificate
$500
2.63% ▼ 0.47% below Texas avg
View
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▼ 0.47% below avgNationally 2.91%
Details

Rate History
No change since Sep 19, 2026 · 2.63% APY · checked 7 times
2.13%2.63%3.13%Sep 19, 2026: 2.63% APYSep 19, 2026Oct 14, 2026
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
7700 Main St, Frisco, TX 75033
Certificates of Deposit (CDs) - 5 Years
$500
2.63% ▼ 0.47% below Texas avg
View
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▼ 0.47% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 2.63% APY · checked 2 times
2.13%2.63%3.13%Oct 7, 2026: 2.63% APYOct 7, 2026Oct 14, 2026
El Monte Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2601 NETWORK BLVD, FRISCO, TX 75034
60 Month Certificate
$0
2.50% ▼ 0.60% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▼ 0.60% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
16066 State Highway 121, Frisco, TX 75035
5 Year CD
$500
1.25% ▼ 1.85% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 1.85% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
5-Year CD
$0
0.50% ▼ 2.60% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▼ 2.60% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8160 Lebanon Rd, Frisco, TX 75034
5-Year Term
$1,000
0.50% ▼ 2.60% below Texas avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▼ 2.60% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
60 Month Certificate of Deposit
$0
0.03% ▼ 3.07% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 3.07% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
60 Month Certificate of Deposit
$0
0.02% ▼ 3.08% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 3.08% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8951 Main St, Frisco, TX 75034
60 Month Certificate of Deposit
$0
0.01% ▼ 3.09% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 3.09% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.70% ▲ 1.60% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.60% above avgNationally 2.91%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.60% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.50% above avgNationally 2.91%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.50% ▲ 1.40% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Callable CD 60 Months
$0
4.50% ▲ 1.40% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 14, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month IRA Share CD
$0
4.50% ▲ 1.40% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details

IRA

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
3.52%4.26%5.00%Sep 14, 2026: 4.02% APYOct 10, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.50%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Jumbo Share CD
$0
4.50% ▲ 1.40% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details

Balance: $95,000+; Jumbo ($95K+)

Rate History
1 change since Sep 22, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
3.52%4.26%5.00%Sep 22, 2026: 4.02% APYOct 10, 2026: 4.50% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.50%▲ from 4.02%
  • Sep 22, 20264.02%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate
$90,000
4.49% ▲ 1.39% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.39% above avgNationally 2.91%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APYOct 8, 2026Oct 14, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Junior Jumbo Share CD
$0
4.45% ▲ 1.35% above Texas avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.35% above avgNationally 2.91%
Details

Junior Jumbo ($50K - $95K)

Rate History
1 change since Sep 22, 2026 · 3.97% → 4.45% ▲ 0.48 pts · high 4.45% / low 3.97%
3.47%4.21%4.95%Sep 22, 2026: 3.97% APYOct 10, 2026: 4.45% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.45%▲ from 3.97%
  • Sep 22, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Super Jumbo Certificate
$225,000
4.42% ▲ 1.32% above Texas avg
View
▼
Rate4.35%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.32% above avgNationally 2.91%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.27% → 4.42% ▲ 0.15 pts · high 4.42% / low 4.27%
3.77%4.35%4.92%Sep 14, 2026: 4.27% APYOct 4, 2026: 4.42% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.42%▲ from 4.27%
  • Sep 14, 20264.27%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.40% ▲ 1.30% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 1.30% above avgNationally 2.91%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89%
3.38%4.15%4.91%Sep 18, 2026: 3.89% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.40%▲ from 3.89%
  • Sep 18, 20263.89%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$100,000
4.40% ▲ 1.30% above Texas avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.30% above avgNationally 2.91%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.40% ▲ 1.30% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.30% above avgNationally 2.91%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Share CD
$0
4.40% ▲ 1.30% above Texas avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.30% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.40% ▲ 0.48 pts · high 4.40% / low 3.92%
3.42%4.16%4.90%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate
$25,000
4.39% ▲ 1.29% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.29% above avgNationally 2.91%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 14, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
60 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.35% ▲ 1.25% above Texas avg
View
▼
Rate4.26%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.10%▲ 1.25% above avgNationally 2.91%
Details

Balance: $95,000+; JUMBO

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

JUMBO $95,000+

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

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
3.52%4.18%4.83%Sep 14, 2026: 4.02% APYOct 13, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.33%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Jumbo Certificate
$95,000
4.32% ▲ 1.22% above Texas avg
View
▼
Rate4.25%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.22% above avgNationally 2.91%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.32% APY · checked 3 times
3.82%4.32%4.82%Oct 4, 2026: 4.32% APYOct 4, 2026Oct 14, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Share Certificate Accounts - IRA & Jumbo
$0
4.32% ▲ 1.22% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.22% above avgNationally 2.91%
Details

Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.32% ▲ 0.35 pts · high 4.32% / low 3.97%
3.47%4.15%4.82%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.12% APYSep 25, 2026: 4.17% APYOct 13, 2026: 4.32% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.32%▲ from 4.17%
  • Sep 25, 20264.17%▲ from 4.12%
  • Sep 18, 20264.12%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.30% ▲ 1.20% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 1.20% above avgNationally 2.91%
Details

Balance: $50,000 - $98,999.99

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.30%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.30% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▲ 1.20% above avgNationally 2.91%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Frisco, Texas Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.30%
First Liberty Bank
12 Month CD (also IRA)
A+ 5.0 ★ TX: 0.50%
Min: $0
4.15%
Frost Bank
90 Day Certificate of Deposit
A+ 5.0 ★ TX: 2.51%
Min: $0
4.00%
Great Plains National Bank
18-month CD
A 5.0 ★ TX: 12.14%
Min: $0
4.00%
CIT Bank
1-Year CD
A 5.0 ★ TX: 7.72%
Min: $0
4.00%
CU Top 5 Credit Union Rates
Advancial Federal Credit Union
Regular, IRA & Business Jumbo Certificates - 5 years
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
SECNY Federal Credit Union
6 Month Certificate
A 5.0 ★ TX: 6.03%
Min: $1,000
4.50%
EECU Credit Union
36 Month Jumbo CD
A+ 5.0 ★ TX: 2.73%
Min: $50,000
4.35%
Conservation Employees Credit Union
Certificate - 12 Months
A+ 5.0 ★ TX: 1.26%
Min: $500
4.25%
Randolph Brooks FCU
18 Month SuperSaver Certificate
A+ 5.0 ★ TX: 5.89%
Min: $1,000
3.91%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Frisco, TX CD Rate Trends

Compare local Frisco, TX CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Texas CD Trends
12-Month CD TX Avg
3.382%
▲ 0.016 vs 7 days ago

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

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

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

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

TX CD Rate Forecast, Next 12 Months

Where are Texas CD rates headed through October 2027?

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

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

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

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

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

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

Powered by MonitorBankRates

What Your Savings Earn at TX CD Rates Today

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

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

Sample CD Ladder for Frisco, Texas Savers

$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit TX Avg APY Annual Earnings
1 3-Month CD $5,000 2.495% $124.77
2 6-Month CD $5,000 3.253% $162.67
3 12-Month CD $5,000 3.382% $169.10
4 24-Month CD $5,000 3.221% $161.05
5 36-Month CD $5,000 3.141% $157.02
Total ($25,000 invested) $25,000 3.098% blended $774.61/yr

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

Powered byMonitorBankRates
3,533
CD Rates
Tracked in Frisco, Texas
47 Banks 95 Credit Unions

About Our Frisco, Texas CD Rate Database

MonitorBankRates tracks 3,533 CD rates from 47 banks and 95 credit unions with locations in Frisco, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Advancial Federal Credit Union offers a CD at 4.87% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Frisco, Texas.

How to Find the Best CD Rates in Frisco, Texas

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

To find the best APYs in Frisco, Texas, start with credit unions and online-only banks: Frisco, Texas has 95 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 Frisco, 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 Frisco, Texas: 142 institutions here report CD rates

Consider an Alternative If…

Frisco, Texas Financial Snapshot

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

Population 65+
9.6%
National avg: 17.3%
Median Individual Earnings
$76,596
National avg: $47,340
Poverty Rate
3.6%
National avg: 11.1%
Unemployment Rate
4.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$259/yr
At TX 12-mo avg 3.382% APY

9.6% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 3.382%, saving 10% of the local median salary ($7,659/year) and putting it in a CD would earn an additional $259 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 Frisco, Texas

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

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

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

Choosing a CD Term in Frisco, 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 Frisco, Texas savers easier access to their funds. For example, SECNY Federal Credit Union is offering its 6 Month Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Frisco, 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 Frisco, 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 Frisco, 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 Frisco, 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 Frisco, Texas

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

Are CD rates in Frisco, Texas FDIC insured?

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

Here are recent top rates found for this area:
  • Advancial Federal Credit Union: 4.87% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
  • SECNY Federal Credit Union: 4.50% APY (6 Month Certificate)
  • EECU Credit Union: 4.35% APY (36 Month Jumbo CD)
  • Capital One Bank: 4.30% APY (12 Month 360 CDs)
  • Conservation Employees Credit Union: 4.25% APY (Certificate - 12 Months)
  • First Liberty Bank: 4.15% APY (12 Month CD (also IRA))
  • Frost Bank: 4.00% APY (90 Day Certificate of Deposit)
  • Great Plains National Bank: 4.00% APY (18-month CD)
  • CIT Bank: 4.00% APY (1-Year CD)
  • Randolph Brooks FCU: 3.91% APY (18 Month SuperSaver Certificate)
Rates reflect recent verified offers available in Frisco, Texas. Last Updated: October 13, 2026

Frisco, 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 Frisco, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Frisco, Texas CD Rates by Term

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

CD Calculators for Frisco, Texas

Frisco, Texas CD Calculator

At today’s TX top rate of 4.87% APY, a $10,000 deposit earns $487 in the first year. Enter your amount to see your exact return.

Frisco, Texas CD Ladder

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

Early Withdrawal Penalty

Before locking into a Frisco, Texas CD at 4.87% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

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

Methodology & Data Sources

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

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

Frisco, Texas Rates & Resources

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