Garland, Texas Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Garland, Texas CD rates range from 0.01% to 5.02% APY, verified by MonitorBankRates as of October 14, 2026. Current Garland, Texas CD rates include Navy Federal Credit UnionNavy Federal Credit Union5102 N President George Bush Hwy, Garland, TX 75040A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Capital One BankCapital One Bank2015 Northwest Hwy, Garland, TX 75041A5.0 ★Texas Ratio: 7.00%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month 360 CDs at 4.30% APY, State Bank of TexasState Bank of Texas517 W I 30, Garland, TX 75043A5.0 ★Texas Ratio: 12.15%Real return: +1.45%APY minus CPI (February 2026) offering High-Rate Jumbo 12-Month CD at 4.25% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union901 W Campbell Rd Ste B, Garland, TX 75044 2510A+5.0 ★Texas Ratio: 1.69%Real return: +1.30%APY minus CPI (February 2026) offering Retirement Liquid Share Certificates - 2 Year at 4.10% APY, and Resource One Credit UnionResource One Credit Union302 W Centerville Rd, Garland, TX 75041A-5.0 ★Texas Ratio: 14.23%Real return: +1.27%APY minus CPI (February 2026) offering 60 Month IRA Certificate at 4.07% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Garland has 243 local institutions in our database, with CD rates as high as 4.35% APY from Navy Federal Credit Union at 5102 N President George Bush Hwy, Garland, TX 75040. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Garland, Texas & the Surrounding Area
Garland 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
90 Day Certificate of Deposit
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details
Balance: $500,000+; $500,000+
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
90 Day Jumbo CD
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details
Jumbo CDs of $500,000 and over.
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
2302 Guthrie Rd, Garland, TX 75043
3 Month Certificates of Deposit (CD)
$0
3.75%
▲ 1.25% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
90 Day Certificate of Deposit
$0
3.65%
▲ 1.15% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.09%
Details
Balance: $100,000 and over
Rate History
2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
- Oct 2, 20263.65%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
90 Day Certificate of Deposit
$0
3.30%
▲ 0.80% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.80% above avgNationally 2.09%
Details
Balance: $1,000 to $99,999.99
Rate History
2 changes since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Oct 2, 20263.30%▲ from 3.20%
- Sep 27, 20263.20%▲ from 3.05%
- Sep 18, 20263.05%first recorded
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
603 Main St, Garland, TX 75040
90 Day Fixed Rate CD
$500
2.70%
▲ 0.20% above Texas avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.20% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
555 W I 30, Garland, TX 75043
3 Month CD
$500
2.00%
▼ 0.50% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
3 Month IRA Certificate
$500
1.76%
▼ 0.74% below Texas avg
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▼ 0.74% below avgNationally 2.09%
Details
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Penalty may be imposed for early withdrawal prior to maturity.
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 Month Elements CD
$0
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 Month IRA CD
$0
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 Month Kids Club and Teens CD
$0
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 Month Kids Club CD
$0
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 Month Standard CD
$0
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Kids Club and Teens CDs - 3 months
$0
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Standard CDs - 3 months
$0
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.95% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▼ 0.95% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
3 Month Regular Certificate
$0
1.51%
▼ 0.99% below Texas avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▼ 0.99% below avgNationally 2.09%
Details
APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 1.00% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3432 W Buckingham Rd, Garland, TX 75042
3 month Standard Fixed Rate
$2,500
0.06%
▼ 2.44% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3432 W Buckingham Rd, Garland, TX 75042
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.44% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3432 W Buckingham Rd, Garland, TX 75042
3 month Standard Fixed Rate
$2,500
0.05%
▼ 2.45% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
3 Month Certificate of Deposit
$0
0.03%
▼ 2.47% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.47% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
3 Month Certificate of Deposit
$0
0.02%
▼ 2.48% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.48% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
3 Month Certificate of Deposit
$0
0.01%
▼ 2.49% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.49% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.08% above Texas avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificate of Deposit
$0
4.44%
▲ 1.94% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.30%
▲ 1.80% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.80% above avgNationally 2.09%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.30% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$250,001
4.23%
▲ 1.73% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.09%
Details
IRA Certificate; minimum deposit tier $250,001
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
- Sep 21, 20264.23%▲ from 3.97%
- Sep 14, 20263.97%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.20%
▲ 1.70% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.70% above avgNationally 2.09%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.20% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$100,001
4.18%
▲ 1.68% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.09%
Details
IRA Certificate; minimum deposit tier $100,001
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
- Sep 21, 20264.18%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$250,001
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details
Balance tier starting at $250,001; Minimum Deposit column
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Sep 21, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$50,001
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details
IRA Certificate; minimum deposit tier $50,001
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97%
- Sep 21, 20264.13%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Month Momentum Share Certificate
$0
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details
Special; Balance: $1000.00 - $49,999.99
Rate History
No change since Oct 13, 2026 · 4.13% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.10%
▲ 1.60% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.10% APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10%
▲ 1.60% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details
High-Yield Rewards Checking Account required
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 3 Months
$500
4.08%
▲ 1.58% above Texas avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.58% above avgNationally 2.09%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
- Oct 8, 20264.08%▲ from 3.72%
- Sep 16, 20263.72%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$100,001
4.07%
▲ 1.57% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.09%
Details
Balance tier starting at $100,001; Minimum Deposit column
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Sep 21, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$1,000
4.07%
▲ 1.57% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.09%
Details
IRA Certificate; minimum deposit tier $1,000
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
- Sep 21, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$50,001
4.02%
▲ 1.52% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.52% above avgNationally 2.09%
Details
Balance tier starting at $50,001; Minimum Deposit column
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 21, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details
No minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00%
▲ 1.50% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.00% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificates
$1,000
3.97%
▲ 1.47% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.47% above avgNationally 2.09%
Details
Balance tier starting at $1,000; Minimum Deposit column
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
- Sep 21, 20263.97%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
90 Day Certificate
$1,000
3.90%
▲ 1.40% above Texas avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.40% above avgNationally 2.09%
Details
Compounded:; Credited: At Maturity
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day Certificate of Deposit
$0
3.87%
▲ 1.37% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.37% above avgNationally 2.09%
Details
Rate History
1 change since Sep 24, 2026 · 3.51% → 3.87% ▲ 0.36 pts · high 3.87% / low 3.51%
- Sep 28, 20263.87%▲ from 3.51%
- Sep 24, 20263.51%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.35% above Texas avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.09%
Details
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85%
▲ 1.35% above Texas avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85%
▲ 1.35% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3 Month Jumbo Share Certificate
$10,000
3.81%
▲ 1.31% above Texas avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.31% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.81% APY · checked 2 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day Certificate
$0
3.80%
▲ 1.30% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details
Open Account
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
Garland 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
6 Month 360 CDs
$0
4.30%
▲ 1.05% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
2302 Guthrie Rd, Garland, TX 75043
6 Month Certificates of Deposit (CD)
$0
3.90%
▲ 0.65% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
6 Month Business Share Certificates
$0
3.75%
▲ 0.50% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75%
▲ 0.50% above Texas avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
5021 N Garland Ave, Garland, TX 75040
6 Month Regular CD
$0
3.75%
▲ 0.50% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
6 Month Business Share Certificates
$0
3.70%
▲ 0.45% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.77%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 6 Months
$50,000
3.70%
▲ 0.45% above Texas avg
▼
Rate3.64%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
6 Month Business Share Certificates
$0
3.65%
▲ 0.40% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 6 Month
$1,000
3.65%
▲ 0.40% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
180 Day Certificate of Deposit
$0
3.60%
▲ 0.35% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
2 changes since Sep 18, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
- Oct 2, 20263.60%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
6 Month Elements CD
$0
3.60%
▲ 0.35% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
6 Month IRA CD
$0
3.60%
▲ 0.35% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
6 Month Kids Club and Teens CD
$0
3.60%
▲ 0.35% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
- Sep 18, 20263.60%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
6 Month Kids Club CD
$0
3.60%
▲ 0.35% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
- Sep 18, 20263.60%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
6 Month Standard CD
$0
3.60%
▲ 0.35% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
- Sep 18, 20263.60%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Kids Club and Teens CDs - 6 months
$0
3.60%
▲ 0.35% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
- Sep 18, 20263.60%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Standard CDs - 6 months
$0
3.60%
▲ 0.35% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
- Oct 9, 20263.60%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
6 Month Certificate
$0
3.30%
▲ 0.05% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.05% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
180 Day Certificate of Deposit
$0
3.20%
▼ 0.05% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 0.05% below avgNationally 2.77%
Details
Balance: $1,000 to $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70%
- Oct 2, 20263.20%▲ from 3.10%
- Sep 27, 20263.10%▲ from 2.70%
- Sep 18, 20262.70%first recorded
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
603 Main St, Garland, TX 75040
6 Month Fixed Rate CD
$500
2.70%
▼ 0.55% below Texas avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 0.55% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
6 Month IRA Certificate
$500
2.53%
▼ 0.72% below Texas avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▼ 0.72% below avgNationally 2.77%
Details
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Penalty may be imposed for early withdrawal prior to maturity.
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 7 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
6 Month Regular Certificate
$0
2.27%
▼ 0.98% below Texas avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▼ 0.98% below avgNationally 2.77%
Details
APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
555 W I 30, Garland, TX 75043
6 Month CD
$500
2.25%
▼ 1.00% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 1.00% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3432 W Buckingham Rd, Garland, TX 75042
6 month Standard Fixed Rate
$2,500
0.06%
▼ 3.19% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.19% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3432 W Buckingham Rd, Garland, TX 75042
6 month Standard Interest Rate
$2,500
0.06%
▼ 3.19% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.19% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3432 W Buckingham Rd, Garland, TX 75042
6 month Standard Fixed Rate
$2,500
0.05%
▼ 3.20% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.20% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
6 Month Certificate of Deposit
$0
0.03%
▼ 3.22% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.22% below avgNationally 2.77%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
6 Month Certificate of Deposit
$0
0.02%
▼ 3.23% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.23% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
6 Month Certificate of Deposit
$0
0.01%
▼ 3.24% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 3.24% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6 Month Jumbo Certificate of Deposit
$0
4.54%
▲ 1.29% above Texas avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.29% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 4.54% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Certificate
$1,000
4.50%
▲ 1.25% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details
Account 34; Interest Monthly; Min. $1,000; Requires $5,000 New Money for 4.50% APY, otherwise 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.25% above Texas avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details
Code 89; Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate - 6 Month
$0
4.50%
▲ 1.25% above Texas avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details
Interest paid monthly; JUMBO; account code 54
Rate History
No change since Oct 13, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.25% above Texas avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details
Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 4.50% APY
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
6 Month Certificates of Deposit
$0
4.50%
▲ 1.25% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details
Up to 4.50% APY; CD terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month; early withdrawal penalties apply
Rate History
No change since Oct 1, 2026 · 4.50% APY · checked 2 times
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month CD Offer
$0
4.44%
▲ 1.19% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 1.19% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
- Oct 3, 20264.44%▲ from 4.28%
- Sep 14, 20264.28%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate
$250
4.33%
▲ 1.08% above Texas avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.08% above avgNationally 2.77%
Details
Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum
Rate History
No change since Oct 12, 2026 · 4.33% APY
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33%
▲ 1.08% above Texas avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.08% above avgNationally 2.77%
Details
Ages: 13-17; Teens Earning And Learning certificate; current dividend 4.33% APY compounded monthly; open in local branch
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6-Month Promo Certificate
$0
4.30%
▲ 1.05% above Texas avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details
Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date April 1, 2026. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate.
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 6 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.05% above Texas avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6 Month Certificate
$0
4.30%
▲ 1.05% above Texas avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details
Certificate Rates (100,000 minimum balance)
Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
6 Month Certificate of Deposit
$0
4.25%
▲ 1.00% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Share Certificates - Regular Term Deposit -6 Months
$0
4.25%
▲ 1.00% above Texas avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.77%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 4.25% APY
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Share Certificates - Term Deposit 6 Months
$1,000
4.25%
▲ 1.00% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.77%
Details
Share Type: Regular or IRA; Dividends Paid: Monthly
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 6 Months
$500
4.24%
▲ 0.99% above Texas avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.99% above avgNationally 2.77%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
- Oct 8, 20264.24%▲ from 3.82%
- Sep 16, 20263.82%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$250,001
4.23%
▲ 0.98% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.98% above avgNationally 2.77%
Details
Dividend rate tier starting at $250,001
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$100,001
4.18%
▲ 0.93% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.93% above avgNationally 2.77%
Details
Dividend rate tier starting at $100,001
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
6 Month Share Certificate
$500
4.18%
▲ 0.93% above Texas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.93% above avgNationally 2.77%
Details
Balance: $500 & over
Rate History
No change since Sep 18, 2026 · 4.18% APY · checked 5 times
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Share Certificate - 6 Months
$500
4.18%
▲ 0.93% above Texas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.93% above avgNationally 2.77%
Details
Balance: 500 & over
Rate History
No change since Oct 10, 2026 · 4.18% APY · checked 2 times
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
6 month Promotional Online CD
$0
4.15%
▲ 0.90% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.90% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Garland 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
12 Month Special EasyStart Certificate
$50
4.35%
▲ 0.97% above Texas avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
12 Month 360 CDs
$0
4.30%
▲ 0.92% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
State Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.15%
517 W I 30, Garland, TX 75043
High-Rate Jumbo 12-Month CD
$100,000
4.25%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. UPDATED 10-5-26 | 12:02 PM CST
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 7, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.72% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.67% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.67% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
1-year online CDs
$0
4.00%
▲ 0.62% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
12 Month Certificate
$0
4.00%
▲ 0.62% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.62% above Texas avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
1 Year Retirement Liquid Share Certificates
$0
3.91%
▲ 0.53% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Retirement Liquid Share Certificates - 1 Year
$0
3.91%
▲ 0.53% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 4 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
2302 Guthrie Rd, Garland, TX 75043
12 Month Certificates of Deposit (CD)
$0
3.85%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.47% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
1 Year Business Share Certificates
$0
3.80%
▲ 0.42% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.42% above avgNationally 2.99%
Details
Balance: $1,000
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
1 Year Rookie Share Certificate
$0
3.80%
▲ 0.42% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.42% above avgNationally 2.99%
Details
Maximum Balance: $2,500
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
12 Month Share Certificate
$1,000
3.80%
▲ 0.42% above Texas avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.42% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 12 Month
$1,000
3.80%
▲ 0.42% above Texas avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.42% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
12 Month Certificate
$0
3.75%
▲ 0.37% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
12 Month IRA CD
$0
3.75%
▲ 0.37% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
12 Month Kids Club and Teens CD
$0
3.75%
▲ 0.37% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
12 Month Kids Club CD
$0
3.75%
▲ 0.37% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
12 Month Standard CD
$0
3.75%
▲ 0.37% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Kids Club and Teens CDs - 12 months
$0
3.75%
▲ 0.37% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Standard CDs - 12 months
$0
3.75%
▲ 0.37% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
5021 N Garland Ave, Garland, TX 75040
12 Month Regular CD
$0
3.75%
▲ 0.37% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Oct 13, 2026 · 3.75% APY
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1919 S Shiloh Road Suite 100 Lb 30, Garland, TX 75042
1 Year CD
$1,000
3.50%
▲ 0.12% above Texas avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Interest compounded quarterly
Rate History
No change since Oct 4, 2026 · 3.50% APY
Texans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
626 Austin St, Garland, TX 75040
12 Month Certificate
$500
3.50%
▲ 0.12% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details
APY is accurate as of 02/23/2026. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. If the balance on a $100,000 or more Certificate Account falls below the minimum balance requirements, it will automatically renew at the applicable APY for the same term Certificate Account. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
5021 N Garland Ave, Garland, TX 75040
12 Month No Penalty CD
$0
3.50%
▲ 0.12% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Balance: $25,000 and over; No penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
5021 N Garland Ave, Garland, TX 75040
No Penalty CD - 12 Month
$0
3.50%
▲ 0.12% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Balance: $25,000 and over; No penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
12 Month Certificate of Deposit
$0
3.35%
▼ 0.03% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.03% below avgNationally 2.99%
Details
Balance: $100,000 and over
Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.35% ▲ 0.35 pts · high 3.35% / low 3.00%
- Oct 2, 20263.35%▲ from 3.25%
- Sep 24, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2720 Belt Line Rd, Garland, TX 75044
12-month CD
$0
3.25%
▼ 0.13% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.13% below avgNationally 2.99%
Details
Special rate for select new CD accounts.
Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
12 Month IRA Certificate
$500
3.04%
▼ 0.34% below Texas avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▼ 0.34% below avgNationally 2.99%
Details
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Penalty may be imposed for early withdrawal prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
12 Month Certificate of Deposit
$0
2.90%
▼ 0.48% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.48% below avgNationally 2.99%
Details
Balance: $1,000 to $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.55% → 2.90% ▲ 0.35 pts · high 2.90% / low 2.55%
- Oct 2, 20262.90%▲ from 2.80%
- Sep 27, 20262.80%▲ from 2.55%
- Sep 18, 20262.55%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
12 Month Fixed IRA
$0
2.90%
▼ 0.48% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.48% below avgNationally 2.99%
Details
Rate History
No change since Oct 2, 2026 · 2.90% APY · checked 3 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
12 Month Regular Certificate
$0
2.78%
▼ 0.60% below Texas avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▼ 0.60% below avgNationally 2.99%
Details
APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
12 Month Save to Win Certificate
$25
2.68%
▼ 0.70% below Texas avg
▼
Rate2.65%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▼ 0.70% below avgNationally 2.99%
Details
12-month term; early withdrawal penalty may be imposed
Rate History
No change since Sep 14, 2026 · 2.68% APY · checked 7 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
603 Main St, Garland, TX 75040
1 Year Fixed Rate CD
$500
2.55%
▼ 0.83% below Texas avg
▼
Rate2.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.83% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 6 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
555 W I 30, Garland, TX 75043
1 Year CD
$500
2.00%
▼ 1.38% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.38% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3432 W Buckingham Rd, Garland, TX 75042
1 year Standard Fixed Rate
$2,500
1.51%
▼ 1.87% below Texas avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.87% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
- Oct 7, 20261.51%▲ from 1.50%
- Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3432 W Buckingham Rd, Garland, TX 75042
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.87% below Texas avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.87% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Relationship APY 1.51%
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3432 W Buckingham Rd, Garland, TX 75042
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.88% below Texas avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 1.88% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
12 Month Certificate of Deposit
$0
0.03%
▼ 3.35% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 3.35% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
12 Month Certificate of Deposit
$0
0.02%
▼ 3.36% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 3.36% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
12 Month Certificate of Deposit
$0
0.01%
▼ 3.37% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 3.37% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
12 Month StartUP Share Certificate
$0
5.00%
▲ 1.62% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.62% above avgNationally 2.99%
Details
Maximum Balance: $1,000; Limit one StartUP Share Certificate per member
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 5 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate Special - 1 Year Certificate
$0
5.00%
▲ 1.62% above Texas avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 1.62% above avgNationally 2.99%
Details
Qualifications Required: Checking account; First Eagle debit card; monthly deposits of at least $100.00; Special APY requires a Checking account, First Eagle debit card and monthly deposits of at least $100.00 (must have Checking); funds must be new money to the Credit Union; deposit up to $100,000; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 5.00% APY
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
12 Month Jumbo Certificate of Deposit
$0
4.70%
▲ 1.32% above Texas avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.32% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 2 times
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12 Month Certificate
$0
4.65%
▲ 1.27% above Texas avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.27% above avgNationally 2.99%
Details
Certificate Rates (100,000 minimum balance)
Rate History
No change since Sep 17, 2026 · 4.65% APY · checked 3 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60%
▲ 1.22% above Texas avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.22% above avgNationally 2.99%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
12 Month Certificate
$1,000
4.52%
▲ 1.14% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.14% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.52% APY · checked 2 times
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
12-Month IRA CD Account
$1,000
4.50%
▲ 1.12% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.12% above avgNationally 2.99%
Details
To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
- Sep 24, 20264.50%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 Year Certificate
$90,000
4.39%
▲ 1.01% above Texas avg
▼
Rate4.30%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.01% above avgNationally 2.99%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
Garland 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
18 Month 360 CDs
$0
4.30%
▲ 1.03% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 1.03% above avgNationally 2.88%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.88% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.83% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Share Certificates - 18 Month
$1,000
4.00%
▲ 0.73% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
- Oct 9, 20264.00%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00%
▲ 0.73% above Texas avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Share Certificates - 18 Month
$1,000
3.95%
▲ 0.68% above Texas avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95%
▲ 0.68% above Texas avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
5175 N President George Bush Hwy, Garland, TX 75040
18 Month SuperSaver Certificate
$1,000
3.91%
▲ 0.64% above Texas avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.64% above avgNationally 2.88%
Details
Balance: $75,000 and over; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days
Rate History
1 change since Sep 20, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
- Oct 4, 20263.91%▲ from 3.80%
- Sep 20, 20263.80%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
18 Month Share Certificate
$1,000
3.90%
▲ 0.63% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.63% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
- Oct 9, 20263.90%▼ from 3.95%
- Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90%
▲ 0.63% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.63% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
5175 N President George Bush Hwy, Garland, TX 75040
18 Month SuperSaver Certificate
$1,000
3.86%
▲ 0.59% above Texas avg
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.59% above avgNationally 2.88%
Details
Balance: $20,000 - $74,999.99; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days
Rate History
1 change since Sep 20, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75%
- Oct 4, 20263.86%▲ from 3.75%
- Sep 20, 20263.75%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
5175 N President George Bush Hwy, Garland, TX 75040
18 Month SuperSaver Certificate
$1,000
3.79%
▲ 0.52% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.52% above avgNationally 2.88%
Details
Balance: $5,000 - $19,999.99; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days
Rate History
1 change since Sep 20, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69%
- Oct 4, 20263.79%▲ from 3.69%
- Sep 20, 20263.69%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
5175 N President George Bush Hwy, Garland, TX 75040
18 Month SuperSaver Certificate
$1,000
3.75%
▲ 0.48% above Texas avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Balance: $1,000 - $4,999.99; Consumer accounts only; Early withdrawal penalty for 12-23 month certificate: 60 days
Rate History
1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 4, 20263.75%▲ from 3.65%
- Sep 20, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.43% above Texas avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
2302 Guthrie Rd, Garland, TX 75043
18 Month Certificates of Deposit (CD)
$0
3.70%
▲ 0.43% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
5021 N Garland Ave, Garland, TX 75040
18 Month Regular CD
$0
3.70%
▲ 0.43% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.88%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Oct 13, 2026 · 3.70% APY
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
18 Month Certificate
$0
3.65%
▲ 0.38% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 9, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
18 Month Elements CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
18 Month IRA CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
18 Month Kids Club and Teens CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
18 Month Kids Club CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
18 Month Standard CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Kids Club and Teens CDs - 18 months
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Standard CDs - 18 months
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 9, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
18 Month Certificate
$0
3.60%
▲ 0.33% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1919 S Shiloh Road Suite 100 Lb 30, Garland, TX 75042
18 Month CD
$1,000
3.60%
▲ 0.33% above Texas avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.88%
Details
Interest compounded quarterly
Rate History
No change since Oct 4, 2026 · 3.60% APY
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
603 Main St, Garland, TX 75040
18 Month Fixed Rate CD
$500
2.60%
▼ 0.67% below Texas avg
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 0.67% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 6 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
18 Month Variable IRA
$0
0.90%
▼ 2.37% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 2.37% below avgNationally 2.88%
Details
Rate History
No change since Oct 2, 2026 · 0.90% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
18 Month Certificate of Deposit
$0
0.03%
▼ 3.24% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.24% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
18 Month Certificate of Deposit
$0
0.02%
▼ 3.25% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.25% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
18 Month Certificate of Deposit
$0
0.01%
▼ 3.26% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▼ 3.26% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 - 18 Month Super Flex Term CD Special
$0
4.65%
▲ 1.38% above Texas avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.38% above avgNationally 2.88%
Details
Specials
Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month CD
$0
4.50%
▲ 1.23% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
- Oct 1, 20264.50%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month Traditional/Roth IRA
$0
4.50%
▲ 1.23% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.88%
Details
IRA Certificate
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
- Oct 1, 20264.50%▲ from 3.85%
- Sep 14, 20263.85%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.40%
▲ 1.13% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 1.13% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35%
▲ 1.08% above Texas avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 13, 20264.35%▲ from 3.75%
- Oct 5, 20263.75%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month Share Certificates
$1,000
4.35%
▲ 1.08% above Texas avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.35%
▲ 1.08% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.35% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.08% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 18 Months
$500
4.33%
▲ 1.06% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 1.06% above avgNationally 2.88%
Details
Dividends Credited/Compounded: Monthly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 4.33% APY
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 18 Months
$50,000
4.30%
▲ 1.03% above Texas avg
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.03% above avgNationally 2.88%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.30% ▲ 0.39 pts · high 4.30% / low 3.91%
- Oct 14, 20264.30%▲ from 4.25%
- Sep 22, 20264.25%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Super Jumbo Certificate
$225,000
4.27%
▲ 1.00% above Texas avg
▼
Rate4.20%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 1.00% above avgNationally 2.88%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
- Oct 4, 20264.27%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Star Certificates of Deposit (CDs)
$0
4.25%
▲ 0.98% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 0.98% above Texas avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Bump-Up CD; Available for a limited time only!; Increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 0.98% above Texas avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.25%
▲ 0.98% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.25% APY
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month Certificate of Deposit
$0
4.25%
▲ 0.98% above Texas avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Investment Accounts (includes IRA CDs); Regular and IRA Certificates of Deposit; Balance: Jumbo ($50K plus)
Rate History
2 changes since Sep 18, 2026 · 3.30% → 4.25% ▲ 0.95 pts · high 4.25% / low 3.30%
- Oct 14, 20264.25%▲ from 4.15%
- Sep 22, 20264.15%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20%
▲ 0.93% above Texas avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.93% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Standard CD - 18 Months
$1,000
4.20%
▲ 0.93% above Texas avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.93% above avgNationally 2.88%
Details
Interest paid monthly; interest compounded and credited monthly; penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 14, 20264.20%▲ from 4.15%
- Sep 22, 20264.15%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Jumbo Certificate
$95,000
4.16%
▲ 0.89% above Texas avg
▼
Rate4.10%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.89% above avgNationally 2.88%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
Garland 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
24 Month 360 CDs
$0
4.30%
▲ 1.08% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Retirement Liquid Share Certificates - 2 Year
$0
4.10%
▲ 0.88% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Retirement Liquid Share Certificates - 2 Year
$0
4.05%
▲ 0.83% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.83% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
2 Year Business Share Certificates
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.88%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
2 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
2 Year Business Share Certificates
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.88%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
2 Year Business Share Certificates
$0
3.90%
▲ 0.68% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.88%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1919 S Shiloh Road Suite 100 Lb 30, Garland, TX 75042
2 Year CD
$1,000
3.75%
▲ 0.53% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.88%
Details
Interest compounded quarterly
Rate History
No change since Oct 4, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.48% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.44% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.44% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
24 Month IRA Certificate
$0
3.66%
▲ 0.44% above Texas avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.44% above avgNationally 2.88%
Details
APY= Annual Percentage Yield. The minimum balance to open IRA Certificate is $500.00. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.38% above Texas avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
2302 Guthrie Rd, Garland, TX 75043
24 Month Certificates of Deposit (CD)
$0
3.60%
▲ 0.38% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
5021 N Garland Ave, Garland, TX 75040
24 Month Regular CD
$0
3.60%
▲ 0.38% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Oct 13, 2026 · 3.60% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
24 Month Certificate
$0
3.50%
▲ 0.28% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
24 Month Elements CD
$0
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
24 Month IRA CD
$0
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
24 Month Kids Club and Teens CD
$0
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Sep 18, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
24 Month Kids Club CD
$0
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Sep 18, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
24 Month Standard CD
$0
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Sep 18, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Kids Club and Teens CDs - 24 months
$0
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Sep 18, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Standard CDs - 24 months
$0
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Oct 9, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
24 Month Regular Certificate
$0
3.40%
▲ 0.18% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.18% above avgNationally 2.88%
Details
APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
24 Month Certificate of Deposit
$0
3.10%
▼ 0.12% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
2 changes since Sep 18, 2026 · 2.90% → 3.10% ▲ 0.20 pts · high 3.10% / low 2.90%
- Oct 2, 20263.10%▲ from 3.00%
- Sep 24, 20263.00%▲ from 2.90%
- Sep 18, 20262.90%first recorded
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
603 Main St, Garland, TX 75040
2 Year Fixed Rate CD
$500
2.75%
▼ 0.47% below Texas avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.47% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
24 Month Certificate of Deposit
$0
2.60%
▼ 0.62% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details
Balance: $1,000 to $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40%
- Oct 2, 20262.60%▲ from 2.50%
- Sep 27, 20262.50%▲ from 2.40%
- Sep 18, 20262.40%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5225 N Garland Ave, Garland, TX 75040
24 Month Fixed IRA
$0
2.60%
▼ 0.62% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details
Rate History
No change since Oct 2, 2026 · 2.60% APY · checked 3 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
555 W I 30, Garland, TX 75043
2 Year CD
$500
2.25%
▼ 0.97% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.97% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
24 Month Certificate of Deposit
$0
0.03%
▼ 3.19% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.19% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
24 Month Certificate of Deposit
$0
0.02%
▼ 3.20% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.20% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
24 Month Certificate of Deposit
$0
0.01%
▼ 3.21% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 3.21% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
24 Month Jumbo Certificate of Deposit
$0
4.86%
▲ 1.64% above Texas avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.64% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.86% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81%
▲ 1.59% above Texas avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.59% above avgNationally 2.88%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificate
$0
4.75%
▲ 1.53% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.53% above avgNationally 2.88%
Details
Balance: $100,000 +
Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 4 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55%
▲ 1.33% above Texas avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.33% above avgNationally 2.88%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
- Oct 8, 20264.55%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate
$90,000
4.44%
▲ 1.22% above Texas avg
▼
Rate4.35%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.88%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.40%
▲ 1.18% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 Month Share Certificates
$1,000
4.40%
▲ 1.18% above Texas avg
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month Certificate of Deposit (CD)
$0
4.40%
▲ 1.18% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35%
▲ 1.13% above Texas avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 1.13% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Karnes County National Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.99%
Jumbo CD - 2 Year
$0
4.33%
▲ 1.11% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.33% ▲ 1.08 pts · high 4.33% / low 3.25%
- Oct 7, 20264.33%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate
$25,000
4.33%
▲ 1.11% above Texas avg
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.88%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.33% APY · checked 2 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 24 Months
$50,000
4.30%
▲ 1.08% above Texas avg
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.30% ▲ 0.39 pts · high 4.30% / low 3.91%
- Oct 14, 20264.30%▲ from 4.25%
- Sep 22, 20264.25%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Bask 24-month CD
$1,000
4.30%
▲ 1.08% above Texas avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details
Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-Month Super Jumbo Certificate
$225,000
4.27%
▲ 1.05% above Texas avg
▼
Rate4.20%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.05% above avgNationally 2.88%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
- Oct 4, 20264.27%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24-Month IRA Jumbo Share CD
$0
4.27%
▲ 1.05% above Texas avg
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.05% above avgNationally 2.88%
Details
IRA Certificate of Deposit
Rate History
1 change since Sep 14, 2026 · 3.84% → 4.27% ▲ 0.43 pts · high 4.27% / low 3.84%
- Oct 10, 20264.27%▲ from 3.84%
- Sep 14, 20263.84%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24-Month Junior Jumbo Share CD
$0
4.27%
▲ 1.05% above Texas avg
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.05% above avgNationally 2.88%
Details
Balance: $95K and over; Jumbo Certificate of Deposit section
Rate History
1 change since Sep 22, 2026 · 3.84% → 4.27% ▲ 0.43 pts · high 4.27% / low 3.84%
- Oct 10, 20264.27%▲ from 3.84%
- Sep 22, 20263.84%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.04% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.04% above avgNationally 2.88%
Details
Balance: $99,000 and over
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
- Oct 2, 20264.26%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-month CD
$0
4.25%
▲ 1.03% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details
Save on your terms with a guaranteed rate of return on a Certificate of Deposit.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.03% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Garland 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
36 Month 360 CDs
$0
4.30%
▲ 1.16% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.01% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 0.96% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Retirement Liquid Share Certificates - 3 Year
$0
4.10%
▲ 0.96% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Retirement Liquid Share Certificates - 3 Year
$0
4.05%
▲ 0.91% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.91% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 9, 20264.05%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1919 S Shiloh Road Suite 100 Lb 30, Garland, TX 75042
3 Year CD
$1,000
4.00%
▲ 0.86% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.14%▲ 0.86% above avgNationally 2.81%
Details
Interest compounded quarterly
Rate History
No change since Oct 4, 2026 · 4.00% APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
3 Year Business Share Certificates
$0
4.00%
▲ 0.86% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.86% above avgNationally 2.81%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Retirement Liquid Share Certificates - 3 Year
$0
4.00%
▲ 0.86% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.86% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00%
▲ 0.86% above Texas avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.86% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
3 Year Business Share Certificates
$0
3.95%
▲ 0.81% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.81% above avgNationally 2.81%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95%
▲ 0.81% above Texas avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.81% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
36 Month IRA Certificate
$500
3.92%
▲ 0.78% above Texas avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.78% above avgNationally 2.81%
Details
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Penalty may be imposed for early withdrawal prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
3 Year Business Share Certificates
$0
3.90%
▲ 0.76% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.76% above avgNationally 2.81%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90%
▲ 0.76% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.76% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
36 Month Regular Certificate
$0
3.66%
▲ 0.52% above Texas avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.52% above avgNationally 2.81%
Details
APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
36 Month Elements CD
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
36 Month IRA CD
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
36 Month Kids Club and Teens CD
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
- Sep 18, 20263.60%▲ from 2.30%
- Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
36 Month Kids Club CD
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
- Sep 18, 20263.60%▲ from 2.30%
- Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
36 Month Standard CD
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
- Sep 18, 20263.60%▲ from 2.30%
- Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Kids Club and Teens CDs - 36 months
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
- Sep 18, 20263.60%▲ from 2.30%
- Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Standard CDs - 36 months
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
- Oct 9, 20263.60%▲ from 2.30%
- Sep 14, 20262.30%first recorded
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
5021 N Garland Ave, Garland, TX 75040
36 Month Regular CD
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Oct 13, 2026 · 3.60% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
36 Month Certificate
$0
3.50%
▲ 0.36% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
2302 Guthrie Rd, Garland, TX 75043
36 Month Certificates of Deposit (CD)
$0
3.40%
▲ 0.26% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.26% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
603 Main St, Garland, TX 75040
3 Year Fixed Rate CD
$500
2.75%
▼ 0.39% below Texas avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 0.39% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
555 W I 30, Garland, TX 75043
3 Year CD
$500
1.40%
▼ 1.74% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.74% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
36 Month Certificate of Deposit
$0
0.03%
▼ 3.11% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.11% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
36 Month Certificate of Deposit
$0
0.02%
▼ 3.12% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.12% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
36 Month Certificate of Deposit
$0
0.01%
▼ 3.13% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.13% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36-Month IRA
$0
5.02%
▲ 1.88% above Texas avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.88% above avgNationally 2.81%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
No change since Oct 12, 2026 · 5.02% APY
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Month Jumbo Certificate of Deposit
$0
4.96%
▲ 1.82% above Texas avg
▼
Rate4.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.82% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.96% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 36 Months
$500
4.71%
▲ 1.57% above Texas avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.57% above avgNationally 2.81%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
36 Month Certificate
$1,000
4.50%
▲ 1.36% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 4, 20264.50%▲ from 4.20%
- Sep 25, 20264.20%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Year Business CD
$5,000
4.50%
▲ 1.36% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$90,000
4.49%
▲ 1.35% above Texas avg
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.35% above avgNationally 2.81%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month IRA Share CD
$0
4.41%
▲ 1.27% above Texas avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.81%
Details
IRA Certificate of Deposit
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
- Oct 10, 20264.41%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Jumbo Share CD
$0
4.41%
▲ 1.27% above Texas avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.81%
Details
Balance: $95K and over; Jumbo Certificate of Deposit
Rate History
1 change since Sep 22, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
- Oct 10, 20264.41%▲ from 3.92%
- Sep 22, 20263.92%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40%
▲ 1.26% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.26% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40%
▲ 1.26% above Texas avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.26% above avgNationally 2.81%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$25,000
4.39%
▲ 1.25% above Texas avg
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.25% above avgNationally 2.81%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Junior Jumbo Share CD
$0
4.35%
▲ 1.21% above Texas avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.81%
Details
Balance: $50K - $95K; Junior Jumbo Certificate of Deposit
Rate History
1 change since Sep 22, 2026 · 3.87% → 4.35% ▲ 0.48 pts · high 4.35% / low 3.87%
- Oct 10, 20264.35%▲ from 3.87%
- Sep 22, 20263.87%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 36 Months
$50,000
4.35%
▲ 1.21% above Texas avg
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.81%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.86% → 4.35% ▲ 0.49 pts · high 4.35% / low 3.86%
- Sep 22, 20264.35%▲ from 3.86%
- Sep 14, 20263.86%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Super Jumbo Certificate
$225,000
4.32%
▲ 1.18% above Texas avg
▼
Rate4.25%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.18% above avgNationally 2.81%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
- Oct 4, 20264.32%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA
$0
4.31%
▲ 1.17% above Texas avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.17% above avgNationally 2.81%
Details
Balance: $99,000 and over
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
- Oct 2, 20264.31%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Citizens State Bank Sealy, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
4.30%
▲ 1.16% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details
Annual Percentage Yield. The stated APY is accurate as of 9/21/2026. Penalties may apply. Fees may reduce earnings.
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 1.16% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Share CD
$0
4.30%
▲ 1.16% above Texas avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.30% ▲ 0.48 pts · high 4.30% / low 3.82%
- Oct 10, 20264.30%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$1,000
4.28%
▲ 1.14% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.14% above avgNationally 2.81%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25%
▲ 1.11% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Garland 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
48 Month 360 CDs
$0
4.30%
▲ 1.26% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1919 S Shiloh Road Suite 100 Lb 30, Garland, TX 75042
4 Year CD
$1,000
4.00%
▲ 0.96% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.04%▲ 0.96% above avgNationally 2.80%
Details
Interest compounded quarterly
Rate History
No change since Oct 4, 2026 · 4.00% APY
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
48 Month IRA Certificate
$500
3.97%
▲ 0.93% above Texas avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.93% above avgNationally 2.80%
Details
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Penalty may be imposed for early withdrawal prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.97% ▲ 0.41 pts · high 3.97% / low 3.56%
- Oct 10, 20263.97%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
48 Month Regular Certificate
$0
3.71%
▲ 0.67% above Texas avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.67% above avgNationally 2.80%
Details
APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.71% ▲ 0.41 pts · high 3.71% / low 3.30%
- Oct 10, 20263.71%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
48 Month Elements CD
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
48 Month IRA CD
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
48 Month Kids Club and Teens CD
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
- Sep 18, 20263.70%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
48 Month Kids Club CD
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
- Sep 18, 20263.70%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
48 Month Standard CD
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
- Sep 18, 20263.70%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Kids Club and Teens CDs - 48 months
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
- Sep 18, 20263.70%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Standard CDs - 48 months
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
- Oct 9, 20263.70%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
5021 N Garland Ave, Garland, TX 75040
48 Month Regular CD
$0
3.60%
▲ 0.56% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.56% above avgNationally 2.80%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Oct 13, 2026 · 3.60% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
48 Month Certificate
$0
3.50%
▲ 0.46% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
2302 Guthrie Rd, Garland, TX 75043
48 Month Certificates of Deposit (CD)
$0
3.35%
▲ 0.31% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.31% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
603 Main St, Garland, TX 75040
4 Year Fixed Rate CD
$500
2.85%
▼ 0.19% below Texas avg
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 0.19% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 6 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
555 W I 30, Garland, TX 75043
4 Year CD
$500
1.15%
▼ 1.89% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 1.89% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
48 Month Certificate of Deposit
$0
0.03%
▼ 3.01% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.01% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
48 Month Certificate of Deposit
$0
0.02%
▼ 3.02% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.02% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
48 Month Certificate of Deposit
$0
0.01%
▼ 3.03% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.03% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.60%
▲ 1.56% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.56% above avgNationally 2.80%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.60% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.50%
▲ 1.46% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.46% above avgNationally 2.80%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$90,000
4.49%
▲ 1.45% above Texas avg
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.45% above avgNationally 2.80%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47%
▲ 1.43% above Texas avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.43% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
- Oct 1, 20264.47%▲ from 4.12%
- Sep 18, 20264.12%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40%
▲ 1.36% above Texas avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.80%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.40%
▲ 1.36% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.80%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.40% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$25,000
4.39%
▲ 1.35% above Texas avg
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.35% above avgNationally 2.80%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Super Jumbo Certificate
$225,000
4.37%
▲ 1.33% above Texas avg
▼
Rate4.30%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.33% above avgNationally 2.80%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 4, 20264.37%▲ from 4.22%
- Sep 14, 20264.22%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.36%
▲ 1.32% above Texas avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.80%
Details
Balance: $99,000 and over
Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
- Oct 2, 20264.36%▲ from 3.96%
- Sep 18, 20263.96%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36%
▲ 1.32% above Texas avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
- Oct 1, 20264.36%▲ from 4.01%
- Sep 18, 20264.01%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 48 Months
$50,000
4.35%
▲ 1.31% above Texas avg
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.31% above avgNationally 2.80%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.86% → 4.35% ▲ 0.49 pts · high 4.35% / low 3.86%
- Sep 22, 20264.35%▲ from 3.86%
- Sep 14, 20263.86%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.26% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.30%
▲ 1.26% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.30% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$1,000
4.28%
▲ 1.24% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.80%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Jumbo or IRA CD
$25,000
4.28%
▲ 1.24% above Texas avg
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Oct 13, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Jumbo Certificate
$95,000
4.27%
▲ 1.23% above Texas avg
▼
Rate4.20%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.23% above avgNationally 2.80%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.27% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.22% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.80%
Details
Balance: $50,000 - $98,999.99
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
- Oct 2, 20264.26%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Certificates
$0
4.26%
▲ 1.22% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
- Oct 1, 20264.26%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▲ 1.21% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
48 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▲ 1.21% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details
Minimum opening deposit is $1,000; Rates effective as of 10/6/2026
Rate History
No change since Oct 12, 2026 · 4.25% APY
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Standard CD - 48 Months
$1,000
4.25%
▲ 1.21% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details
Interest paid monthly; interest compounded and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Sep 22, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month CD
$0
4.25%
▲ 1.21% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 1, 20264.25%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.22%
▲ 1.18% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.18% above avgNationally 2.80%
Details
Rate History
3 changes since Sep 14, 2026 · 3.87% → 4.22% ▲ 0.35 pts · high 4.22% / low 3.87%
- Oct 13, 20264.22%▲ from 4.07%
- Sep 25, 20264.07%▲ from 4.02%
- Sep 18, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.20%
▲ 1.16% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.80%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month Term Share Certificate
$0
4.20%
▲ 1.16% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.80%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Regular or IRA CD
$500
4.18%
▲ 1.14% above Texas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.14% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 13, 20264.18%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Share Certificate
$1,000
4.16%
▲ 1.12% above Texas avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.12% above avgNationally 2.80%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.15%
▲ 1.11% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.80%
Details
Balance: $25,000 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 2, 20264.15%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
48 Month Certificate
$1,000
4.15%
▲ 1.11% above Texas avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.80%
Details
Compounded: Quarterly; Credited: Quarterly
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 6 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.15%
▲ 1.11% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.80%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
48 Month Standard CD
$2,500
4.15%
▲ 1.11% above Texas avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.80%
Details
Standard CD
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Sep 27, 20264.15%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Garland 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
60 Month 360 CDs
$0
4.30%
▲ 1.20% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 1.20% above avgNationally 2.91%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Retirement Liquid Share Certificates - 5 Year
$0
4.10%
▲ 1.00% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 1.00% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
60 Month IRA Certificate
$500
4.07%
▲ 0.97% above Texas avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.97% above avgNationally 2.91%
Details
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Penalty may be imposed for early withdrawal prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.51% → 4.07% ▲ 0.56 pts · high 4.07% / low 3.51%
- Oct 10, 20264.07%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Retirement Liquid Share Certificates - 5 Year
$0
4.05%
▲ 0.95% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.95% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1919 S Shiloh Road Suite 100 Lb 30, Garland, TX 75042
5 Year CD
$1,000
4.00%
▲ 0.90% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.10%▲ 0.90% above avgNationally 2.91%
Details
Interest compounded quarterly
Rate History
No change since Oct 4, 2026 · 4.00% APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
5 Year Business Share Certificates
$0
4.00%
▲ 0.90% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.90% above avgNationally 2.91%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
5 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 0.90% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.90% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00%
▲ 0.90% above Texas avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.90% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
5 Year Business Share Certificates
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
60 Month Certificate
$0
3.95%
▲ 0.85% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Oct 9, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
60 Month Elements CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
60 Month IRA CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
60 Month Kids Club and Teens CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Sep 18, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
60 Month Kids Club CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Sep 18, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
60 Month Standard CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Sep 18, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Kids Club and Teens CDs - 60 months
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Sep 18, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
Standard CDs - 60 months
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Oct 9, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.80% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
5 Year Business Share Certificates
$0
3.90%
▲ 0.80% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Certificate - 5 Year
$1,000
3.90%
▲ 0.80% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5102 N President George Bush Hwy, Garland, TX 75040
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.75% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.75% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
302 W Centerville Rd, Garland, TX 75041
60 Month Regular Certificate
$0
3.82%
▲ 0.72% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.72% above avgNationally 2.91%
Details
APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.82% ▲ 0.57 pts · high 3.82% / low 3.25%
- Oct 10, 20263.82%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
5-year online CDs
$0
3.60%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.50% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2015 Northwest Hwy, Garland, TX 75041
60 Month Certificate
$0
3.60%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.50% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
5021 N Garland Ave, Garland, TX 75040
60 Month Regular CD
$0
3.60%
▲ 0.50% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.50% above avgNationally 2.91%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Oct 13, 2026 · 3.60% APY
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
2302 Guthrie Rd, Garland, TX 75043
60 Month Certificates of Deposit (CD)
$0
3.25%
▲ 0.15% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 0.15% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
603 Main St, Garland, TX 75040
5 Year Fixed Rate CD
$500
2.95%
▼ 0.15% below Texas avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 0.15% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 - 60 Month Elements CDs
$100
1.75%
▼ 1.35% below Texas avg
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details
Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 - 60 Month IRA CDs
$1,000
1.75%
▼ 1.35% below Texas avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details
Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 - 60 Month Kids Club and Teens CDs
$100
1.75%
▼ 1.35% below Texas avg
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details
Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 - 60 Month Kids Club CDs
$100
1.75%
▼ 1.35% below Texas avg
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details
Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1920 Northwest Hwy, Garland, TX 75041 4834
3 - 60 Month Standard CDs
$1,000
1.75%
▼ 1.35% below Texas avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▼ 1.35% below avgNationally 2.91%
Details
Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
555 W I 30, Garland, TX 75043
5 Year CD
$500
1.25%
▼ 1.85% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 1.85% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
60 Month Certificate of Deposit
$0
0.03%
▼ 3.07% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 3.07% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
60 Month Certificate of Deposit
$0
0.02%
▼ 3.08% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 3.08% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
111 N Glenbrook Dr, Garland, TX 75040
60 Month Certificate of Deposit
$0
0.01%
▼ 3.09% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▼ 3.09% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87%
▲ 1.77% above Texas avg
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.77% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
- Oct 1, 20264.87%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76%
▲ 1.66% above Texas avg
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.66% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
- Oct 1, 20264.76%▲ from 4.39%
- Sep 18, 20264.39%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.70%
▲ 1.60% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.60% above avgNationally 2.91%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.70% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Certificates
$0
4.66%
▲ 1.56% above Texas avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.56% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
- Oct 1, 20264.66%▲ from 4.28%
- Sep 18, 20264.28%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.60%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.50% above avgNationally 2.91%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.60% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.50%
▲ 1.40% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
60 Month Callable CD
$0
4.50%
▲ 1.40% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details
Callable CD: may be redeemed by the credit union at its option, not in the first 90 days; minimum to open $50,000
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 2 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month IRA Share CD
$0
4.50%
▲ 1.40% above Texas avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details
IRA Certificate of Deposit
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
- Oct 10, 20264.50%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Jumbo Share CD
$0
4.50%
▲ 1.40% above Texas avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details
Balance: $95K and over; Jumbo Certificate of Deposit
Rate History
1 change since Sep 22, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
- Oct 10, 20264.50%▲ from 4.02%
- Sep 22, 20264.02%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate
$90,000
4.49%
▲ 1.39% above Texas avg
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.39% above avgNationally 2.91%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Junior Jumbo Share CD
$0
4.45%
▲ 1.35% above Texas avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.35% above avgNationally 2.91%
Details
Balance: $50K - $95K; Junior Jumbo Certificate of Deposit
Rate History
1 change since Sep 22, 2026 · 3.97% → 4.45% ▲ 0.48 pts · high 4.45% / low 3.97%
- Oct 10, 20264.45%▲ from 3.97%
- Sep 22, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Super Jumbo Certificate
$225,000
4.42%
▲ 1.32% above Texas avg
▼
Rate4.35%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.32% above avgNationally 2.91%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.27% → 4.42% ▲ 0.15 pts · high 4.42% / low 4.27%
- Oct 4, 20264.42%▲ from 4.27%
- Sep 14, 20264.27%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.40%
▲ 1.30% above Texas avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.10%▲ 1.30% above avgNationally 2.91%
Details
Balance: $99,000 and over
Rate History
1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89%
- Oct 2, 20264.40%▲ from 3.89%
- Sep 18, 20263.89%first recorded
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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.
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Garland, TX CD Rate Trends
Compare local Garland, 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
3.382%
▲ 0.016 vs 7 days ago
Texas 12-month CD rates rose 0.016 points over the past 7 days to 3.382% APY.
6-Month CD TX Avg
3.253%
▲ 0.021 vs 7 days ago
Texas 6-month CD rates rose 0.021 points over the past 7 days to 3.253% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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TX CD Rate Forecast, Next 12 Months
Where are Texas CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
3.382%
6-Month Forecast
3.382%
Range: 3.18%, 3.53%
12-Month Forecast
3.632%
Range: 3.43%, 3.78%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.495% | $124.77 | $249.53 | $623.82 | $1,247.65 |
| 6-Month CD | 3.253% | $162.67 | $325.34 | $813.35 | $1,626.70 |
| 12-Month CD | 3.382% | $169.10 | $338.20 | $845.50 | $1,691.00 |
| 18-Month CD | 3.268% | $163.42 | $326.83 | $817.07 | $1,634.15 |
| 24-Month CD | 3.221% | $161.05 | $322.11 | $805.27 | $1,610.55 |
| 36-Month CD | 3.141% | $157.02 | $314.05 | $785.12 | $1,570.25 |
| 48-Month CD | 3.038% | $151.91 | $303.82 | $759.55 | $1,519.10 |
| 60-Month CD | 3.097% | $154.83 | $309.66 | $774.15 | $1,548.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Garland, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.495% | $124.77 |
| 2 | 6-Month CD | $5,000 | 3.253% | $162.67 |
| 3 | 12-Month CD | $5,000 | 3.382% | $169.10 |
| 4 | 24-Month CD | $5,000 | 3.221% | $161.05 |
| 5 | 36-Month CD | $5,000 | 3.141% | $157.02 |
| Total ($25,000 invested) | $25,000 | 3.098% blended | $774.61/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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3,533
CD Rates
Tracked in Garland, Texas
Tracked in Garland, Texas
44 Banks
89 Credit Unions
About Our Garland, Texas CD Rate Database
MonitorBankRates tracks 3,533 CD rates from 44 banks and 89 credit unions with locations in Garland, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Navy Federal Credit Union offers a CD at 4.35% APY with a minimum deposit of $50. Use the rate table above to compare all current offers in Garland, Texas.
How to Find the Best CD Rates in Garland, Texas
What to compare when shopping for a CD in Garland, Texas
To find the best APYs in Garland, Texas, start with credit unions and online-only banks: Garland, Texas has 89 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 Garland, 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 Garland, Texas: 133 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Garland, Texas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Garland, Texas money market rates
Garland, Texas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.6%
National avg: 17.3%
Median Individual Earnings
$38,184
National avg: $47,340
Poverty Rate
13.0%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$129/yr
At TX 12-mo avg 3.382% APY
12.6% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 3.382%, saving 10% of the local median salary ($3,818/year) and putting it in a CD would earn an additional $129 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 Garland, Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Garland, Texas
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Garland, Texas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Garland, Texas as everywhere in the U.S.
Choosing a CD Term in Garland, Texas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Garland, Texas savers easier access to their funds. For example, Capital One Bank is offering its 6 Month 360 CDs at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Capital One Bank is offering its 60 Month 360 CDs at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Garland, Texas Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Garland, Texas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Garland, Texas
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Garland, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Garland, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Garland, Texas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Garland, Texas
Are CD rates in Garland, Texas FDIC insured?
Yes, most established banks in Garland, 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 Garland, 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 Garland, 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 Garland, 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 Garland, Texas?
Here are recent top rates found for this area:
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Capital One Bank: 4.30% APY (12 Month 360 CDs)
- State Bank of Texas: 4.25% APY (High-Rate Jumbo 12-Month CD)
- Firefighters First Federal Credit Union: 4.10% APY (Retirement Liquid Share Certificates - 2 Year)
- Resource One Credit Union: 4.07% APY (60 Month IRA Certificate)
- Frost Bank: 4.00% APY (90 Day Certificate of Deposit)
- Harmony Bank: 4.00% APY (3 Year CD)
- Texas Dow Employees Credit Union: 3.95% APY (60 Month Certificate)
- Randolph Brooks FCU: 3.91% APY (18 Month SuperSaver Certificate)
- Susser Bank: 3.90% APY (6 Month Certificates of Deposit (CD))
Rates reflect recent verified offers available in Garland, Texas. Last Updated: October 14, 2026
Garland, Texas CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Garland, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Garland, Texas
Garland, Texas CD Calculator
At today’s TX top rate of 4.35% APY, a $10,000 deposit earns $435 in the first year. Enter your amount to see your exact return.
Garland, Texas CD LadderTX CD rates currently range from 2.495% (3-month) to 3.141% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Garland, Texas CD at 4.35% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 3.382% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Garland, Texas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Garland, Texas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Garland, Texas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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