Houston, Texas CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Houston, Texas CD rates include ADVANCIALADVANCIAL845 N Eldridge Pkwy, Houston, TX 77079A+5.0 ★Texas Ratio: 0.31%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificates at 4.34% APY, Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX 77034A5.0 ★Texas Ratio: 8.99%Real return: +1.53%APY minus CPI (February 2026) offering Callable CD 24 Months at 4.33% APY, US Employees Credit UnionUS Employees Credit Union9700 Richmond Ave, Houston, TX 77042A+5.0 ★Texas Ratio: 1.43%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month CD at 4.25% APY, InvesTex Credit UnionInvesTex Credit Union905 Aldine Bender Rd, Houston, TX 77032A+5.0 ★Texas Ratio: 3.65%Real return: +1.27%APY minus CPI (February 2026) offering Certificate of Deposit 18 Months at 4.07% APY, and Synergy Federal Credit UnionSynergy Federal Credit Union9701 Manchester St, Houston, TX 77012 2408A+5.0 ★Texas Ratio: 0.96%Real return: +1.27%APY minus CPI (February 2026) offering IRA Certificates (6 months) at 4.07% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Houston has 495 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: May 12, 2026
Compare Best CD Rates in Houston, Texas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 months)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 months)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 months)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 months)
$100,001
3.92%
▼
Rate3.85%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 months)
$50,001
3.87%
▼
Rate3.80%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 months)
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Jumbo Certificate Of Deposit (CD) 90 Day
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
90 Day Certificate Of Deposit (CD)
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
FROST 90 Day
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Reach your goals faster and take your money even further.
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
3-Month Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
FROST 90 Day
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed Rate Certificates 3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
FROST 90 Day
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
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—
UpdatedMay 7, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
90 Day
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
CDs Under $100,000
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
3-Month Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
CD - Term Share 90 day
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX 77065
90 Day Jumbo Certificate Account
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
(Consumer Only)
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
IRA Certificate 3 months
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
Standard CD 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
IRA CDs 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
IRA CD 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 3 months
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
3 Months Certificate Account
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 3 Months
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX 77042
90 DAYS Certificate
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
3 Months Term Share Certificates/Certificates of Deposit
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit 3 Months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
90 Days Term Share Certificates
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
not available for IRAs
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3810 Richmond Ave, Houston, TX 77027
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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—
UpdatedMay 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Momentum Share Certificate Rate 3 Month
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Daily Balances of: $100,000 and over
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 3 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3-Month Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Regular
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (6 months)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Jumbo Certificate Of Deposit (CD) 180 Day
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
180 Day Certificate Of Deposit (CD)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Independent Retirement Accounts (IRA) 180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (6 months)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX 77034
6 Months Certificate of Deposit
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Up to
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (6 months)
$100,001
3.97%
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
6-month Jumbo
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
6-month Jumbo Share Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (6 months)
$50,001
3.92%
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (6 months)
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
180 Days Term Share Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
not available for IRAs
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
6-month Regular
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Share Certificate Accounts - Share 6 Month to 11 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX 77065
6 Month Certificate Account
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
CDs $100,000 or More
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX 77075
6 Month Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
6 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
CDs Under $100,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
12012 Space Center Blvd, Houston, TX 77059
6-month Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
6-Month Certificates of Deposit (CD)
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
6 Months Term Share Certificates/Certificates of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit 6 Months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed Rate Certificates 6 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA 6 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
CD - Term Share 6 month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
6 Months Certificate Account
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 6 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3207 Westpark Dr, Houston, TX 77005
6 Months CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
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—
UpdatedMay 7, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
771 Normandy St, Houston, TX 77015 3467
6 Month Certificate
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 6 month
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 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—
UpdatedMay 5, 2026
Details
Under $100,000
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
6-Month Certificates
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 6-Month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 6-Month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
6 Months Share Certificate
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
6 Month Share Certificate of Deposit (Including IRA Certificates)
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Youth Launch Certificate 6-Month Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
FROST 180 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
6-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
6-month Tier Jumbo Certificate of Deposit
$100,000
2.60%
▼
Rate2.57%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 6-month Tier Jumbo
$100,000
2.60%
▼
Rate2.57%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
FROST 180 Day
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
6-month Tier Jumbo
$100,000
2.60%
▼
Rate2.57%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (1 year)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
12-month Jumbo Share Certificates
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
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—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (1 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (1 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
8585 S Gessner Rd, Houston, TX 77074
High-Rate Jumbo 12-Month CD
$100,000
3.95%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only. This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. **Call for rates and APY on additional minimum balances.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (1 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (1 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Space City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3101 Harrisburg Blvd, Houston, TX 77003
Certificate of Deposit IRA & Regular 1 Year
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Jumbo > $50k
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3207 Westpark Dr, Houston, TX 77005
12 Months CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Independent Retirement Accounts (IRA) 365 Day (1 Year)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
1 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (1 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (1 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
1 Year Teen Term Share Certificates
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 12 MONTHS
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
1 Year Puppy Pak Term Share Certificates
$100
3.87%
▼
Rate3.80%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
12-month Regular
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
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—
UpdatedMay 6, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Share Certificate Accounts - Share 12 Month to 17 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
10000 Harwin Dr, Houston, TX 77036
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Limited time offer. Only available in our branches.
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 12 MONTHS
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX 77075
Smart Growth CD Rate 12 Month
$100
3.75%
▼
Rate3.69%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Space City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3101 Harrisburg Blvd, Houston, TX 77003
Certificate of Deposit IRA & Regular 1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Regular < $50k
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 12 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
12 Months Certificate Account
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
12 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX 77075
Smart Growth CD 12 Month
$100
3.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
Standard CD 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
IRA CDs 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
IRA CD 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
12 Months Term Share Certificates/Certificates of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit 12 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
1 YEAR CERTIFICATE
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Promotional Certificate of Deposit 12 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
7915 Fm 1960 Rd W, Houston, TX 77070
12-month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX 77075
12 Month Certificate of Deposit
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
1 YEAR CERTIFICATE
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
12-month Tier Jumbo
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
12-month Tier Jumbo Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 12-month Tier Jumbo
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
12-month IRA Certificate
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Member Merits (Gold1) 12 Month Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
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—
UpdatedMay 7, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
12-month Tier Mini Jumbo
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
12-month Tier Mini Jumbo Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 12-month Tier Mini Jumbo
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
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: 1.43%
9700 Richmond Ave, Houston, TX 77042
18 Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
NEW MONEY Certificate of Deposit Special!
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 18 Months
$50,000
4.07%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
12012 Space Center Blvd, Houston, TX 77059
18-Month Certificate Special
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Special rate available with funds new to Essential.
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
12012 Space Center Blvd, Houston, TX 77059
18-month Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
12012 Space Center Blvd, Houston, TX 77059
18-month Share Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
18 Months Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
18 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
18 Months Term Share Certificates/Certificates of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit 18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Promotional Certificate of Deposit 18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 18 Months
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3207 Westpark Dr, Houston, TX 77005
18 Months CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
18-month Jumbo
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
18-month Jumbo Share Certificates
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
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—
UpdatedMay 6, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX 77075
18 Month Certificate of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed Rate Certificates 18 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Independent Retirement Accounts (IRA) 18 months (1.5 Years)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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) Certificate Of Deposit (CD)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
Standard CD 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
IRA CDs 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
IRA CD 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
18-Month Certificates of Deposit (CD)
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Share Certificate Accounts - Share 18 Month to 23 Month
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
18-month Regular
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
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—
UpdatedMay 6, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
771 Normandy St, Houston, TX 77015 3467
18 Month Certificate
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
CD - Term Share 18 month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX 77042
18 MONTHS Certificate
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
18 Month Share Certificate
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
18 Month Share Certificate of Deposit (Including IRA Certificates)
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 18-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 18-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
18-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
Time Share Certificate (CD's) 18 month CD Super
$0
2.16%
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
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—
UpdatedMay 5, 2026
Details
Under $100,000
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 18 Month
$0
1.95%
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
Time Share Certificate (CD's) 18 month CD Regular
$0
1.63%
▼
Rate1.61%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
IRA CDs 18 Month Variable IRA
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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—
UpdatedMay 7, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Certificate of Deposit 18 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
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—
UpdatedMay 6, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4265 San Felipe St, Houston, TX 77027
18 months CD
$500
0.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Months Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX 77034
Callable CD 24 Months
$50,000
4.33%
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (2 year)
$250,001
3.92%
▼
Rate3.85%
Min Deposit$250,001
Min Balance—
UpdatedMay 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 2 Years
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (2 year)
$100,001
3.87%
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (2 year)
$50,001
3.82%
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (2 year)
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
24 Months Term Share Certificates/Certificates of Deposit
$95,000
3.70%
▼
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
IRA Certificate 24 months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
24 Months Term Share Certificates/Certificates of Deposit
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit 24 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed Rate Certificates 24 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA 24 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 24 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Independent Retirement Accounts (IRA) 24 Months (2 Years)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
24 Months Certificate Account
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3207 Westpark Dr, Houston, TX 77005
24 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX 77042
24 MONTHS Certificate
$2,500
3.50%
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX 77075
24 Month Certificate of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Share Certificate Accounts - Share 24 Month to 29 Month
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA 24 Month Step-Up
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed-Rate Certificate 24 Month Step-Up
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 24 months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 2 Years
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Space City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3101 Harrisburg Blvd, Houston, TX 77003
Certificate of Deposit IRA & Regular 2 Year
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Jumbo > $50k
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed Rate Certificates 24 Month Step-Up
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month IRA Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month Tier Jumbo
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month Tier Jumbo Certificate of Deposit
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 24-month Tier Jumbo
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
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—
UpdatedMay 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
24-month Jumbo
$100,000
3.30%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 24-month Tier Mini Jumbo
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
24-month Jumbo Share Certificates
$100,000
3.30%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
24-Month Certificates of Deposit (CD)
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month Tier Mini Jumbo Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month Tier Mini Jumbo
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Member Merits (Gold1) 24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Space City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3101 Harrisburg Blvd, Houston, TX 77003
Certificate of Deposit IRA & Regular 2 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Regular < $50k
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
IRA CD 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
IRA CDs 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Step Up Share Certificates 3 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX 77042
36 MONTHS Certificate
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
36 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
IRA Certificate 36 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
36 Months Term Share Certificates/Certificates of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit 36 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed Rate Certificates 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX 77075
36 Month Certificate of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3207 Westpark Dr, Houston, TX 77005
36 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Share Certificate Accounts - Share 36 Month to 47 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 3 Years
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 36 months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Member Merits (Gold1) 36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
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—
UpdatedMay 7, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
36-Month Certificates of Deposit (CD)
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
36 Months Certificate Account
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 36 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Member Merits (Gold1) 36 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 3 Years
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
771 Normandy St, Houston, TX 77015 3467
36 Month Certificate
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 36-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
36-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Independent Retirement Accounts (IRA) 36 Months (3 Years)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 36-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 36-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month Tier Jumbo Certificate of Deposit
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$250,001
3.82%
▼
Rate3.75%
Min Deposit$250,001
Min Balance—
UpdatedMay 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 4 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Step Up Share Certificates 4 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$100,001
3.76%
▼
Rate3.70%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$50,001
3.71%
▼
Rate3.65%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Certificates 48 Month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed Rate Certificates 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
48 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
48 Months Term Share Certificates/Certificates of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit 48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
IRA Certificate 48 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 4 Years
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3207 Westpark Dr, Houston, TX 77005
48 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Share Certificate Accounts - Share 48 Month to 59 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX 77075
48 Month Certificate of Deposit
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
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—
UpdatedMay 7, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Member Merits (Gold1) 48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 48 months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
48-Month Certificates of Deposit (CD)
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
771 Normandy St, Houston, TX 77015 3467
48 Month Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts 48-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 48-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
48 Months Certificate Account
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
IRA Term Certificate 48 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
48-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 48-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier Jumbo Certificate of Deposit
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month IRA Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier Mini Jumbo
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier Mini Jumbo Certificate of Deposit
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 48-month Tier Mini Jumbo
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
Time Share Certificate (CD's) 48 month CD Platinum
$0
2.79%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier Certificate of Deposit
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 48-month Tier
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 48 Month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
CD - Term Share 4 year
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Space City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3101 Harrisburg Blvd, Houston, TX 77003
Certificate of Deposit IRA & Regular 4 Year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Jumbo > $50k
Space City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3101 Harrisburg Blvd, Houston, TX 77003
Certificate of Deposit IRA & Regular 4 Year
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Regular < $50k
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
IRA CD 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
845 N Eldridge Pkwy, Houston, TX 77079
Jumbo, 5 Year Term Certificates
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX 77034
Callable CD 60 Months
$50,000
4.13%
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX 77034
Share Certificates (Including IRA Certificates) 60 Months
$50,000
3.92%
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
5 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (5 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (5 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (5 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (5 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Step Up Share Certificates 5 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 5 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
60 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (5 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (5 year)
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
60 Months Term Share Certificates/Certificates of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit 60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed Rate Certificates 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (5 year)
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Share Certificate Accounts - Share 60 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (5 year)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3207 Westpark Dr, Houston, TX 77005
60 Months CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
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—
UpdatedMay 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 5 Years
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
IRA Certificate 60 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Independent Retirement Accounts (IRA) 18 months (1.5 Years)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX 77075
60 Month Certificate of Deposit
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX 77034
Share Certificates (Including IRA Certificates) 60 Months
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Member Merits (Gold1) 60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 60 months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 60 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Member Merits (Gold1) 60 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier Jumbo Certificate of Deposit
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 60-month Tier Jumbo
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
60-Month Certificates of Deposit (CD)
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier Jumbo
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month IRA Special Certificate
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier Mini Jumbo
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier Mini Jumbo Certificate of Deposit
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 60-month Tier Mini Jumbo
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
771 Normandy St, Houston, TX 77015 3467
60 Month Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit 60 Months Tier
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 60-month Tier
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Independent Retirement Accounts (IRA) 60 Months (5 Years)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
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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.
Key Takeaways
What to know about CD rates in Houston, Texas at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Houston depositors is 4.34% APY from ADVANCIAL. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
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
2.607%
▲ 0.021 vs 7 days ago
Texas 12-month CD rates rose 0.021 points over the past 7 days to 2.607% APY.
6-Month CD — TX Avg
1.956%
▲ 0.028 vs 7 days ago
Texas 6-month CD rates rose 0.028 points over the past 7 days to 1.956% APY.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.607%
6-Month Forecast
2.607%
Range: 2.41% – 2.76%
12-Month Forecast
2.357%
Range: 2.16% – 2.51%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.847% | $92.33 | $184.66 | $461.65 | $923.30 |
| 6-Month CD | 1.956% | $97.82 | $195.63 | $489.08 | $978.15 |
| 12-Month CD | 2.607% | $130.35 | $260.70 | $651.75 | $1,303.50 |
| 18-Month CD | 2.937% | $146.85 | $293.69 | $734.23 | $1,468.45 |
| 24-Month CD | 2.953% | $147.64 | $295.28 | $738.20 | $1,476.40 |
| 36-Month CD | 3.111% | $155.57 | $311.14 | $777.85 | $1,555.70 |
| 48-Month CD | 3.047% | $152.33 | $304.65 | $761.63 | $1,523.25 |
| 60-Month CD | 3.137% | $156.87 | $313.74 | $784.35 | $1,568.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for 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 | 1.847% | $92.33 |
| 2 | 6-Month CD | $5,000 | 1.956% | $97.82 |
| 3 | 12-Month CD | $5,000 | 2.607% | $130.35 |
| 4 | 24-Month CD | $5,000 | 2.953% | $147.64 |
| 5 | 36-Month CD | $5,000 | 3.111% | $155.57 |
| Total ($25,000 invested) | $25,000 | 2.495% blended | $623.71/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,641
CD Rates
Tracked in Houston, Texas
Tracked in Houston, Texas
44 Banks
110 Credit Unions
About Our Houston, Texas CD Rate Database
MonitorBankRates tracks 1,641 CD rates from 44 banks and 110 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 110 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 — 154 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
$103/yr
At TX 12-mo avg 2.607% 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 2.607%, saving 10% of the local median salary ($3,966/year) and putting it in a CD would earn an additional $103 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 |
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 Certificates)
- Texas Bay Credit Union: 4.33% APY (Callable CD 24 Months)
- US Employees Credit Union: 4.25% APY (18 Month CD)
- InvesTex Credit Union: 4.07% APY (Certificate of Deposit 18 Months)
- Synergy Federal Credit Union: 4.07% APY (IRA Certificates (6 months))
- Harris County Federal Credit Union: 4.07% APY (IRA 36 MONTHS)
- Houston Police Federal Credit Union: 4.02% APY (12-month Jumbo)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
- OWB One World Bank: 4.00% APY (Independent Retirement Accounts (IRA) 180 Day (6 Months))
- Essential Credit Union: 3.95% APY (18-month Certificates)
Rates reflect recent verified offers available in Houston, Texas. Last Updated: May 12, 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 1.847% (3-month) to 3.111% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a 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 2.607% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: May 12, 2026
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