Frisco, Texas CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Frisco, Texas CD rates include ADVANCIALADVANCIAL6021 Preston Rd, Frisco, TX 75034A+5.0 ★Texas Ratio: 0.31%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificates at 4.34% APY, Conservation Employees Credit UnionConservation Employees Credit Union2601 Network Blvd, Frisco, TX 75034A+5.0 ★Texas Ratio: 0.38%Real return: +1.21%APY minus CPI (February 2026) offering 12 Month Certificate at 4.01% APY, EECU Credit UnionEECU Credit Union4800 Main St, Frisco, TX 75033 3773A+5.0 ★Texas Ratio: 2.75%Real return: +1.20%APY minus CPI (February 2026) offering Standard CDs 6 Months at 4.00% APY, Capital One BankCapital One Bank8989 Preston Rd, Frisco, TX 75034A5.0 ★Texas Ratio: 10.41%Real return: +1.10%APY minus CPI (February 2026) offering 12 Months CD at 3.90% APY, and First Liberty BankFirst Liberty Bank2600 Dallas Pkwy, Frisco, TX 75034A+5.0 ★Texas Ratio: 5.25%Real return: +1.10%APY minus CPI (February 2026) offering 12 Month CD (also IRA) at 3.90% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Frisco has 84 local institutions in our database, with CD rates as high as 4.34% APY from ADVANCIAL 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 — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Frisco, Texas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
90 Day
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
FROST 90 Day
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Reach your goals faster and take your money even further.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
90 Day
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
FROST 90 Day
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Standard CDs 3 Months
$0
2.97%
▼
Rate2.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
90 Day
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
FROST 90 Day
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX 75034 6009
3 month Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Penalties may apply for early withdrawals
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4851 Legacy Dr, Frisco, TX 75034
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4851 Legacy Dr, Frisco, TX 75034
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4851 Legacy Dr, Frisco, TX 75034
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$100,001
3.92%
▼
Rate3.85%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Momentum Share Certificate Rate 3 Month
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$50,001
3.87%
▼
Rate3.80%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Jumbo Certificate Of Deposit (CD) 90 Day
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day Certificate Of Deposit (CD)
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Daily Balances of: $100,000 and over
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 3 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3-Month Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Regular
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Daily Balances of: $500 - $99,999.99
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3-Month Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month CD
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
3-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month Traditional/Roth IRA
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Texas Heritage National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
90 Days Certificates of Deposit
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Share Certificates: or Greater
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Share Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificates 3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Certificate of Deposit (CD) 3 Months
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
3 Months Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Share Certificates: or Greater 3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Share Certificates 3 Months
$1,000
2.84%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Standard CDs 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
6 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 89 / 6 Month - Int. Monthly
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 69 / 6 Month - Int. Monthly
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
8989 Preston Rd, Frisco, TX 75034
6 Months CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673
Certificate of Deposits 6 Month
$500
3.10%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
180 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
FROST 180 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
180 Day
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
FROST 180 Day
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX 75034 6009
6 month Certificate
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Penalties may apply for early withdrawals
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
2601 Network Blvd, Frisco, TX 75034
6 Month Term Share Certificates and IRA Term Share Certificates
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4851 Legacy Dr, Frisco, TX 75034
6 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4851 Legacy Dr, Frisco, TX 75034
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4851 Legacy Dr, Frisco, TX 75034
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
8160 Lebanon Rd, Frisco, TX 75034
6 months CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
8160 Lebanon Rd, Frisco, TX 75034
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Special 6-Month Share Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 2)
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Branch
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Months Share Certificate
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Jumbo Certificate Of Deposit (CD) 180 Day
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Independent Retirement Accounts (IRA) 180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
180 Day Certificate Of Deposit (CD)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Minor Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Share Certificates 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Minor Share Certificates 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business Share Certificates Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business Share Certificates Regular Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 1)
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6-month Jumbo Share Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6-month Jumbo
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$100,001
3.97%
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
6 Months Certificate of Deposit
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Up to
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
(Age 0-17)
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6-Month TEAL Certificate
$250
3.95%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 6, 2026
Details
For Kids and Teams
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6 Month CD
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6 Month Traditional/Roth IRA
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Special
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$50,001
3.92%
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 6 Month
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX 75034
12 Month Certificate
$0
4.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Standard CDs 12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Bump Rate CDs 12 Months
$5,000
3.90%
▼
Rate3.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
8989 Preston Rd, Frisco, TX 75034
12 Months CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
12 Month CD (also IRA)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 83 / 12 Month - Int. Monthly
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 63 / 12 Month - Int. Monthly
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673
Certificate of Deposits 12 Month
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673
IRA's 12 Month
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3232 Main St, Frisco, TX 75033 4424
12 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 14.68%
4470 Eldorado Pkwy Ste 300, Frisco, TX 75034
No Penalty CD by Term and Deposit Amount 12 Month
$25,000
3.50%
▼
Rate3.45%
Min Deposit$25,000
Min Balance—
UpdatedMay 10, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
12 Month
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
FROST 12 Month
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
12 Month
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
FROST 12 Month
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
IRA CDs 12 Month Fixed IRA
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
8422 Dallas Parkway, Frisco, TX 75034
12-month fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4851 Legacy Dr, Frisco, TX 75034
1 year Standard Fixed Rate Relationship
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4851 Legacy Dr, Frisco, TX 75034
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4851 Legacy Dr, Frisco, TX 75034
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX 75034 6009
12 month Certificate
$0
1.45%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Penalties may apply for early withdrawals
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
2601 Network Blvd, Frisco, TX 75034
12 Month Term Share Certificates and IRA Term Share Certificates
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
2601 Network Blvd, Frisco, TX 75034
12 Month - Save to Win Term Share Certificates and IRA Term Share Certificates
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
8160 Lebanon Rd, Frisco, TX 75034
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $49,000.00
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
8160 Lebanon Rd, Frisco, TX 75034
12 months CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 2)
$0
4.24%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
12 Months Certificate/IRA
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Months Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 1)
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
12 Months Certificate/IRA
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Share Term Certificate 12 Months
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 mos. Share Certificate Rate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
12 Months Certificate/IRA
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
12 Months Share Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 12 Month
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12-month Jumbo Share Certificates
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (1 year)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
12 mos. IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
IRA Certificates 1 Year
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Branch
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1 Year IRA Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
12 mos. Roth IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
12 mos. Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 12, 2026
Details
$25,000- $99,999
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Share Certificates 12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texas Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
High Yield CD 12 Months
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
new money
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Standard CDs 18 Months
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Bump Rate CDs 18 Months
$5,000
3.75%
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
8989 Preston Rd, Frisco, TX 75034
18 Months CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
IRA CDs 18 Month Variable IRA
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
2601 Network Blvd, Frisco, TX 75034
18 Month Term Share Certificates and IRA Term Share Certificates
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
2601 Network Blvd, Frisco, TX 75034
Share Certificates for 18 months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
APY*
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
8160 Lebanon Rd, Frisco, TX 75034
18 months CD
$500
0.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Months Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
NEW MONEY Certificate of Deposit Special!
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18 Month Term Share Certificate
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 18 Months
$50,000
4.07%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-Month Certificate Special
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Special rate available with funds new to Essential.
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-month Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-month Share Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
18 Months Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
18 Month Term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificates 18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal IRA Certificates 18 Months
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Certificate of Deposit (CD) 18 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Share Certificates: or Greater
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Save more when you move at least $500 from another financial institution.
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
18 Months Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 mos. Roth IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 mos. Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
18 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
18 mo.
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Share Certificates: or Greater 18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 18 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
18 Month Traditional/Roth IRA
$100
3.70%
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
IRA Term Share Accounts/Certificates of Deposit 18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
18 Month CD
$100
3.70%
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
18 Months Term Share Certificates/Certificates of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Educational IRA Certificates 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificates 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Roth IRA Certificates 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
18 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
18 Months CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Promotional Certificate of Deposit 18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 64 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Standard CDs 24 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Bump Rate CDs 24 Months
$5,000
3.60%
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
8989 Preston Rd, Frisco, TX 75034
24 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
24 Month CD (also IRA)
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673
Certificate of Deposits 24 Month
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673
IRA's 24 Month
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
FROST 24 Month
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
24 Month
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
24 Month
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
FROST 24 Month
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7101 Warren Pkwy, Frisco, TX 75034
IRA CDs 24 Month Fixed IRA
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
8160 Lebanon Rd, Frisco, TX 75034
2 years CD
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
Callable CD 24 Months
$50,000
4.33%
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 and over
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Kidicate Share Certificate (24 Months)
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 24 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (2 year)
$250,001
3.92%
▼
Rate3.85%
Min Deposit$250,001
Min Balance—
UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (2 year)
$100,001
3.87%
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 24 Month Certificate
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 24 MONTHS
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 2 Years
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
2 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
24 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (2 year)
$50,001
3.82%
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 1 to 2 Years (365 to 729 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 24 Months
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (2 year)
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
24 Month Term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2 Year Term IRA Certificate of Deposit
$100,000
3.75%
▼
Rate3.68%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
24 Months Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 1 to 2 Years (365 to 729 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Standard CDs 36 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
8989 Preston Rd, Frisco, TX 75034
36 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 86 / 36 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 66 / 36 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
36 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673
Certificate of Deposits 36 Month
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
8160 Lebanon Rd, Frisco, TX 75034
3 years CD
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 36 MONTHS
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 36 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 2 to 3 Years (730 to 1,094 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Starting at $100,000
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Step Up Share Certificates 3 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 2 to 3 Years (730 to 1,094 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
36 Months Share Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 MONTHS Certificate
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit Regular 36 Months
$500
3.70%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.65%
Min Deposit$75,000
Min Balance—
UpdatedMay 12, 2026
Details
Starting at $75,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Standard CDs 48 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 87 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 67 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
8989 Preston Rd, Frisco, TX 75034
48 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
8160 Lebanon Rd, Frisco, TX 75034
4 years CD
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$250,001
3.82%
▼
Rate3.75%
Min Deposit$250,001
Min Balance—
UpdatedMay 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit Regular 48 Months
$500
3.80%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 3 to 4 Years (1,095 to 1,460 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 4 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Step Up Share Certificates 4 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$100,001
3.76%
▼
Rate3.70%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 3 to 4 Years (1,095 to 1,460 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$50,001
3.71%
▼
Rate3.65%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Certificates 48 Month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed-Rate IRA 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Mini-Jumbo Share Certificate/IRA 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48 Months Term Share Certificates/Certificates of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
IRA Term Share Accounts/Certificates of Deposit 48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Share Certificate 48 mo.
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 mo. Share Certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
TERM SHARE CERTIFICATES 48 Months
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4 Year Share Certificate/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
IRA Certificate 48 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Share Certificate/IRA 4 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48 Months TERM IRA SHARE CERTIFICATES
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Share Certificates: or Greater
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Share Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificates 48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
CD and IRA CDs 48 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Share Certificates: or Greater 48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Months CD and IRA CDs
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 4 Years
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Share and IRA Certificate 4 Year
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Loyalty Rate
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Month CD
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 mos. Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - Share 48 Month to 59 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6021 Preston Rd, Frisco, TX 75034
Jumbo, 5 Year Term Certificates
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
4800 Main St, Frisco, TX 75033 3773
Standard CDs 60 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
8989 Preston Rd, Frisco, TX 75034
60 Months CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 88 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 68 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
60 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
8160 Lebanon Rd, Frisco, TX 75034
5 years CD
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
Callable CD 60 Months
$50,000
4.13%
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 and over
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
IRA Certificate 60 Month
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 Minimum
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
Share Certificates (Including IRA Certificates) 60 Months
$50,000
3.92%
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
5 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 4 to 5 Years (1,461 to 1,825 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 5 Years (1,826 to 2,190 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (5 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Step Up Share Certificates 5 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 60-Month (Tier 3)
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 5 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 4 to 5 Years (1,461 to 1,825 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
60 Months Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 5 Years (1,826 to 2,190 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (5 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Months Term Share Certificates/Certificates of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
IRA Term Share Accounts/Certificates of Deposit 60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
60 Months Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed-Rate IRA 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Frisco, Texas at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Frisco depositors is 4.34% APY from ADVANCIAL. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
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.
12-Month CD — TX Avg
2.607%
▲ 0.021 vs 7 days ago
Texas 12-month CD rates rose 0.021 points over the past 7 days to 2.607% APY.
6-Month CD — TX Avg
1.956%
▲ 0.028 vs 7 days ago
Texas 6-month CD rates rose 0.028 points over the past 7 days to 1.956% APY.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.607%
6-Month Forecast
2.607%
Range: 2.41% – 2.76%
12-Month Forecast
2.357%
Range: 2.16% – 2.51%
Powered by
MonitorBankRates
What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.847% | $92.33 | $184.66 | $461.65 | $923.30 |
| 6-Month CD | 1.956% | $97.82 | $195.63 | $489.08 | $978.15 |
| 12-Month CD | 2.607% | $130.35 | $260.70 | $651.75 | $1,303.50 |
| 18-Month CD | 2.937% | $146.85 | $293.69 | $734.23 | $1,468.45 |
| 24-Month CD | 2.953% | $147.64 | $295.28 | $738.20 | $1,476.40 |
| 36-Month CD | 3.111% | $155.57 | $311.14 | $777.85 | $1,555.70 |
| 48-Month CD | 3.047% | $152.33 | $304.65 | $761.63 | $1,523.25 |
| 60-Month CD | 3.137% | $156.87 | $313.74 | $784.35 | $1,568.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for 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.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.847% | $92.33 |
| 2 | 6-Month CD | $5,000 | 1.956% | $97.82 |
| 3 | 12-Month CD | $5,000 | 2.607% | $130.35 |
| 4 | 24-Month CD | $5,000 | 2.953% | $147.64 |
| 5 | 36-Month CD | $5,000 | 3.111% | $155.57 |
| Total ($25,000 invested) | $25,000 | 2.495% blended | $623.71/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,641
CD Rates
Tracked in Frisco, Texas
Tracked in Frisco, Texas
43 Banks
120 Credit Unions
About Our Frisco, Texas CD Rate Database
MonitorBankRates tracks 1,641 CD rates from 43 banks and 120 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 (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: ADVANCIAL offers a CD at 4.34% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in 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 120 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 — 163 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Frisco, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Frisco, Texas money market rates
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
$200/yr
At TX 12-mo avg 2.607% 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 2.607%, saving 10% of the local median salary ($7,659/year) and putting it in a CD would earn an additional $200 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 (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in 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: 4.34% APY (Jumbo, 5 Year Term Certificates)
- Conservation Employees Credit Union: 4.01% APY (12 Month Certificate)
- EECU Credit Union: 4.00% APY (Standard CDs 6 Months)
- Capital One Bank: 3.90% APY (12 Months CD)
- First Liberty Bank: 3.90% APY (12 Month CD (also IRA))
- SECNY Federal Credit Union: 3.85% APY (ROTH IRA Share Certificates 64 / 24 Month - Int. Monthly)
- Frost Bank: 3.55% APY (FROST 90 Day)
- The State Credit Union: 3.50% APY (IRA's 12 Month)
- Credit Union of Texas: 3.50% APY (No Penalty CD by Term and Deposit Amount 12 Month)
- Texans Credit Union: 3.50% APY (12 Month Certificate)
Rates reflect recent verified offers available in Frisco, Texas. Last Updated: May 12, 2026
CD Calculators for Frisco, Texas
Frisco, Texas CD Calculator
At today’s TX top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Frisco, Texas CD LadderTX CD rates currently range from 1.847% (3-month) to 3.111% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Frisco, Texas CD at 4.34% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.607% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: May 12, 2026
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