Houston, Texas CD Rates Today - Compare Best APYs for June 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Houston, Texas CD rates include ADVANCIALADVANCIAL845 N Eldridge Pkwy, Houston, TX 77079A+5.0 ★Texas Ratio: 9.94%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificate at 4.34% APY, US Employees Credit UnionUS Employees Credit Union9700 Richmond Ave, Houston, TX 77042A+5.0 ★Texas Ratio: 1.38%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month CD at 4.25% APY, Members Trust of the Southwest Federal Credit UnionMembers Trust of the Southwest Federal Credit Union2315 Mangum Rd, Houston, TX 77092A+5.0 ★Texas Ratio: 2.31%Real return: +1.38%APY minus CPI (February 2026) offering 2 Years at 4.18% APY, Harris County Federal Credit UnionHarris County Federal Credit Union1400 Franklin St, Houston, TX 77002 2147A+5.0 ★Texas Ratio: 4.00%Real return: +1.27%APY minus CPI (February 2026) offering IRA 36 MONTHS at 4.07% APY, and Golden Bank National AssociationGolden Bank National Association9315 Bellaire Blvd, Houston, TX 77036A+5.0 ★Texas Ratio: 3.27%Real return: +1.25%APY minus CPI (February 2026) offering 180-Day CD at 4.05% APY. CD rates as of June 23, 2026 according to verified data from MonitorBankRates.
Houston has 397 local institutions in our database, with CD rates as high as 4.34% APY from ADVANCIAL at 845 N Eldridge Pkwy, Houston, TX 77079. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 23, 2026
Compare Best CD Rates in Houston, Texas & the Surrounding Area
Houston 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
90 Day
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
3-Month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
800 Lockwood Dr, Houston, TX 77020
90-day fixed-rate CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
3 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Jumbo Term Share 90 day
$100,000
2.88%
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Existing Member New Member
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 3 Months
$1,000
2.84%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
90 Day CD
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
90 day
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
90 day
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX 77065
90 Day Jumbo
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer Only
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
845 N Eldridge Pkwy, Houston, TX 77079
3 Mo Certificate
$10,000
2.22%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 11, 2026
Details
3 Mo Certificate - $10k: 172% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 2.22% APY compared to 0.82% APY for the Charlotte Metro market average over the life of a 3 month share certificate at $10,000.
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CD 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CDs 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 3 months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
3 Months
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 90 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 3 Months
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
90 Days
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
not available for IRAs
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
3 Months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 3 Months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Momentum Share Certificate 3 Month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
3 Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Balance: Less than $50,000
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
IRA
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Houston 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Golden Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
9315 Bellaire Blvd, Houston, TX 77036
180-Day CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Requires a minimum $20,000 deposit of new money. Promotion period: Effective immediately through June 30, 2026.
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
180 Day
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
180 Days
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
not available for IRAs
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
6 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
6-Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX 77065
6 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer Only
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
6 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
6 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
6 Months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 6 Months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
6 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
6 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
6 month
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
6 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 90 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 6 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 6 Months
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
6 Month Certificate
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
6 Months
$1,000
3.14%
▼
Rate3.09%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
6-Month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 6-Month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 6-Month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
6 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
6-Month Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
180 Day Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
180 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
6 month CD
$0
2.86%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Rate
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
180 Day
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
180 Day Certificate of Deposit
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
6 month CD
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Super Rate
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 6 months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings.
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CD 6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CDs 6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
6 month CD
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Port of Houston Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
111 East Loop N, Houston, TX 77029
Certificate 6 months
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
$1000.00
Port of Houston Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
111 East Loop N, Houston, TX 77029
IRA Certificates 6 months
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
6 Months
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
IRA Certificate of Deposit 6 Months
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Brentwood Baptist Church Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 71.96%
13033 1 2 Landmark St, Houston, TX 77045 3431
6 month Share Certificate (CD)
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Branch $1,000 Minimum Deposit
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 6 months
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
Jumbo 6-Month Share Certificate
$0
4.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Special promotional rate valid June 8-26.
Houston 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
1 Year
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
1 Year
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
8585 S Gessner Rd, Houston, TX 77074
High-Rate Jumbo 12-Month CD
$100,000
3.95%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
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. Call for rates and APY on additional minimum balances.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
12 month
$100
3.91%
▼
Rate3.85%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
365 Day (1 Year)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 12 MONTHS
$95,000
3.87%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
1 Year Puppy Pak
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
1 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
1 Year Teen
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Plains State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3355 W Alabama St, Houston, TX 77098
12 Month CD
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Annual Percentage Yield (APY) is accurate as of August 28, 2025. Rates offered may change without notice. A penalty may be imposed for early withdrawal. Each depositor is FDIC-insured up to applicable limits.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 12-month Regular
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Regular
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 12 MONTHS
$500
3.76%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 12 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
12 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
12 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 90 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 12 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CDs 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
12-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CD 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
12 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 12 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
12 months
$0
3.69%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
1 YEAR CERTIFICATE
$95,000
3.66%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
12 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
1 YEAR CERTIFICATE
$500
3.61%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 1 Year
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
12 Months / 1 Year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
12-Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
Variable-Rate Early Saver Certificate 12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balance up to $20,000.00
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
12 Month Certificate
$1,000
3.44%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
12 month
$100
3.39%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
12 Months / 1 Year
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
5 Greenway Plz, Houston, TX 77046 0521
12 months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
12-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 12-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 12-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
5 Greenway Plz, Houston, TX 77046 0521
12 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 12 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 12 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
12 Month Certificate of Deposit
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Houston 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX 77042
18 Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate of Deposit Special!
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
18 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
18 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
18 months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
18 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 18 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 18-month Jumbo
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 18-month Jumbo
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
18 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CD 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CDs 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
18 months (1.5 Years)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
18 Mos. CD (includes IRA)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
18-Month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 18-month Regular
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 18-month Regular
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
18 Month Certificate
$1,000
3.34%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
18 month
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
18-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 18-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 18-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
18 month CD
$0
2.16%
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Super Rate
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
18 month CD
$0
2.13%
▼
Rate2.11%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Rate
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
18 Months
$1,000
2.09%
▼
Rate2.07%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 18 Month
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
18 month CD
$0
1.63%
▼
Rate1.61%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
18 Month Variable IRA
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA CD
Brentwood Baptist Church Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 71.96%
13033 1 2 Landmark St, Houston, TX 77045 3431
18 month Share Certificate (CD)
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
18 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
IRA Certificate of Deposit 18 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
18 Month Variable IRA
$0
0.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA CD
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividends Compounded: Monthly; Dividends Credited: Monthly; Renewal: Automatic with 10-day grace period
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 - 18 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances greater than $9,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$75,000
3.80%
▼
Rate3.74%
Min Deposit$75,000
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Houston 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
2 Years
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
2 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
2 Year
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
2 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$95,000
3.97%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
2 Year
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$500
3.87%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$95,000
3.82%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$500
3.71%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
24 Months
$95,000
3.70%
▼
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 24 Months
$95,000
3.70%
▼
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Jumbo Term Share 2 year
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 24 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
24 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
24 months
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
24 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
2 year
$100
3.55%
▼
Rate3.50%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
24 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 180 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 24 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
24 Months (2 Years)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
24 Months / 2 Years
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 24 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
24 Month Step-Up
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
24 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
24 Months / 2 Years
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
24-Month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 24-month Jumbo
$100,000
3.30%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 24-month Jumbo
$100,000
3.30%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CD 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CDs 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
24 Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 2 Years
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 24-month Regular
$1,000
3.14%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 24-month Regular
$1,000
3.14%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
24 Month Certificate
$1,000
3.14%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
2 year
$100
3.03%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
24-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 24-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 24-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
24 Month
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
24 Month Certificate of Deposit
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
24 month CD
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Rate
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
24 Month
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
24 Month Certificate of Deposit
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
24 Month Fixed IRA
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA CD
Houston 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
3 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$95,000
4.07%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
36 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
One great rate.
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
3 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
3 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$500
3.97%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$95,000
3.92%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
3 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Step Up Certificates 3 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
EXISTING MEMBER NEW MEMBER
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
36 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 36 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
36 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 36 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
36 Months / 3 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
36 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded Credited: Monthly
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
36 Months / 3 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
36 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 36 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings.
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 3 Years
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
36-Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
36 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 180 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 36 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
3 year
$100
3.25%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
36 Month Certificate
$1,000
3.08%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
36-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 36-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 36-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
36 Months (3 Years)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
3 year
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
36 month CD
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Platinum Rate
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
36 month CD
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Rate
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 36 Month
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CD 36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CDs 36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
36 month CD
$0
2.14%
▼
Rate2.12%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Super Rate
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX 77065
36 Month
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer or Business
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
36 month CD
$0
1.64%
▼
Rate1.62%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
36 Months
$1,000
0.31%
▼
Rate0.31%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
IRA Certificate of Deposit 36 Months
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Houston 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
4 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
4 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
4 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
4 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Step Up Certificates 4 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
48 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 48 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
48 Months / 4 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
48 Months / 4 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
48 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 4 Years
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 48 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
48-Month
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
48 Month Certificate
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
4 year
$100
3.03%
▼
Rate3.29%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 48 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
48 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 180 days dividends; Renewals Automatic with 10 day grace period.
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 48-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 48-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
48-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
48 month CD
$0
2.79%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Platinum Rate
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
48 month CD
$0
2.69%
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Rate
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 48 Month
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
4 year
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CD 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CDs 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
48 month CD
$0
2.18%
▼
Rate2.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Super Rate
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX 77065
48 Month
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer or Business
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
48 month CD
$0
1.68%
▼
Rate1.66%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
48 Months
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
IRA Certificate of Deposit 48 Months
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
48 Months
$1,000
0.41%
▼
Rate0.41%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48 mo.
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
48 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 48 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Houston 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
845 N Eldridge Pkwy, Houston, TX 77079
Jumbo, 5 Year Term Certificate
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
5 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
5 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
5 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
5 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Step Up Certificates 5 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
60 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 60 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Account/Certificate of Deposit - 60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
60 Months / 5 Years
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 5 Years
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
60 Months / 5 Years
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
60 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
60 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
60-Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
60 Month Certificate
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
5 year
$100
3.03%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
60-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 60-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 60-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
60 Months (5 Years)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 60 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
60 month CD
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Platinum Rate
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
60 month CD
$0
2.74%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Rate
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
5 year
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Teen Club CDs 60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CDs 60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club CD 60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
60 month CD
$0
2.24%
▼
Rate2.21%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Super Rate
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX 77065
60 Month
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer or Business
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
60 month CD
$0
1.73%
▼
Rate1.71%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
60 Months
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
IRA Certificate of Deposit 60 Months
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
60 Months
$1,000
0.51%
▼
Rate0.51%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
platinum CD, , 36 - 60 months)
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$100,000+
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
platinum CD, , 36 - 60 months)
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$100,000+
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60 mo.
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Houston, TX CD Rate Trends
Compare local Houston, TX CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — TX Avg
2.428%
▼ 0.024 vs 7 days ago
Texas 12-month CD rates fell 0.024 points over the past 7 days to 2.428% APY.
6-Month CD — TX Avg
1.979%
▼ 0.024 vs 7 days ago
Texas 6-month CD rates fell 0.024 points over the past 7 days to 1.979% APY.
As of Jun 24, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.428%
6-Month Forecast
2.428%
Range: 2.23% – 2.58%
12-Month Forecast
2.178%
Range: 1.98% – 2.33%
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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 | 2.067% | $103.33 | $206.65 | $516.63 | $1,033.25 |
| 6-Month CD | 1.979% | $98.95 | $197.90 | $494.75 | $989.50 |
| 12-Month CD | 2.428% | $121.41 | $242.82 | $607.05 | $1,214.10 |
| 18-Month CD | 2.597% | $129.86 | $259.72 | $649.30 | $1,298.60 |
| 24-Month CD | 2.616% | $130.80 | $261.59 | $653.98 | $1,307.95 |
| 36-Month CD | 3.019% | $150.97 | $301.94 | $754.85 | $1,509.70 |
| 48-Month CD | 2.936% | $146.82 | $293.63 | $734.08 | $1,468.15 |
| 60-Month CD | 2.992% | $149.62 | $299.23 | $748.08 | $1,496.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 23, 2026. | |||||
Sample CD Ladder for Houston, 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 | 2.067% | $103.33 |
| 2 | 6-Month CD | $5,000 | 1.979% | $98.95 |
| 3 | 12-Month CD | $5,000 | 2.428% | $121.41 |
| 4 | 24-Month CD | $5,000 | 2.616% | $130.80 |
| 5 | 36-Month CD | $5,000 | 3.019% | $150.97 |
| Total ($25,000 invested) | $25,000 | 2.422% blended | $605.46/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,150
CD Rates
Tracked in Houston, Texas
Tracked in Houston, Texas
39 Banks
80 Credit Unions
About Our Houston, Texas CD Rate Database
MonitorBankRates tracks 1,150 CD rates from 39 banks and 80 credit unions with locations in Houston, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: ADVANCIAL offers a CD at 4.34% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Houston, Texas.
How to Find the Best CD Rates in Houston, Texas
What to compare when shopping for a CD in Houston, Texas
To find the best APYs in Houston, Texas, start with credit unions and online-only banks — Houston, Texas has 80 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Houston, 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 Houston, Texas — 119 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Houston, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Houston, Texas money market rates
Houston, Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
12.3%
National avg: 17.3%
Median Individual Earnings
$39,664
National avg: $47,340
Poverty Rate
19.9%
National avg: 11.1%
Unemployment Rate
6.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$96/yr
At TX 12-mo avg 2.428% APY
12.3% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 6.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s TX 12-month CD average of 2.428%, saving 10% of the local median salary ($3,966/year) and putting it in a CD would earn an additional $96 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 Houston, Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Houston, 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 Houston, 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 Houston, Texas as everywhere in the U.S.
Choosing a CD Term in Houston, 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 Houston, Texas savers easier access to their funds. For example, Golden Bank National Association is offering its 180-Day CD at 4.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Jumbo, 5 Year Term Certificate at 4.34% 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 Houston, 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 Houston, 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 Houston, 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 Houston, 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 Houston, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Houston, 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 Houston, Texas
Are CD rates in Houston, Texas FDIC insured?
Yes, most established banks in Houston, 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 Houston, 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 Houston, 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 Houston, 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 Houston, Texas?
Here are recent top rates found for this area:
- ADVANCIAL: 4.34% APY (Jumbo, 5 Year Term Certificate)
- US Employees Credit Union: 4.25% APY (18 Month CD)
- Members Trust of the Southwest Federal Credit Union: 4.18% APY (2 Years)
- Harris County Federal Credit Union: 4.07% APY (IRA 36 MONTHS)
- Golden Bank National Association: 4.05% APY (180-Day CD)
- HOUSTON TEXAS FIRE FIGHTERS: 4.02% APY (2 Year)
- Houston Police Federal Credit Union: 4.02% APY (Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 12-month Jumbo)
- Justice Federal Credit Union: 4.00% APY (36 Month Certificate)
- OWB One World Bank: 4.00% APY (180 Day)
- State Bank of Texas: 3.95% APY (High-Rate Jumbo 12-Month CD)
Rates reflect recent verified offers available in Houston, Texas. Last Updated: June 23, 2026
CD Calculators for Houston, Texas
Houston, Texas CD Calculator
At today’s TX top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Houston, Texas CD LadderTX CD rates currently range from 2.067% (3-month) to 3.019% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Houston, Texas CD at 4.34% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.428% 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 Houston, 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 Houston, 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 Houston, 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: June 23, 2026
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