MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Katy, Texas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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

Katy, Texas CD rates range from 0.01% to 5.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Katy, Texas CD rates include Advancial Federal Credit UnionAdvancial Federal Credit Union23525 Katy Fwy, Katy, TX 77494 1334A5.0 ★Texas Ratio: 12.30%Real return: +2.07%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY, First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX25675 Nelson Way, Katy, TX 77494A+5.0 ★Texas Ratio: 3.58%Real return: +1.90%APY minus CPI (February 2026) offering 5 Year Business CD at 4.70% APY, Texas Bay Credit UnionTexas Bay Credit Union4747 FM 1463 Rd Ste 1000, Katy, TX 77494A+5.0 ★Texas Ratio: 5.06%Real return: +1.70%APY minus CPI (February 2026) offering Callable CD 60 Months at 4.50% APY, Vio BankVio Bank21776 Katy Fwy, Katy, TX 77449A+5.0 ★Texas Ratio: 4.93%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month CD at 4.40% APY, and Navy Federal Credit UnionNavy Federal Credit Union24655 Katy Fwy, Katy, TX 77494A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Katy has 453 local institutions in our database, with CD rates as high as 4.87% APY from Advancial Federal Credit Union at 23525 Katy Fwy, Katy, TX 77494 1334. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.

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

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

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

Katy 3 Month CD Rates

Texas 3 Month CD Average2.50% APYNational 2.09%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
3 Month Business CD
$5,000
4.30% ▲ 1.80% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.80% above avgNationally 2.09%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
3 Month Business CD
$5,000
4.20% ▲ 1.70% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.70% above avgNationally 2.09%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
3 Month Business CD
$5,000
4.10% ▲ 1.60% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
90 Day Certificate of Deposit
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

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

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
90 Day Jumbo CD
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

Jumbo CDs of $500,000 and over.

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
3 Month Business CD
$5,000
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
CD and over - 3 Months
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
3 Month CD to $249,999.99
$0
3.70% ▲ 1.20% above Texas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
90 Day Certificate of Deposit
$0
3.65% ▲ 1.15% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.09%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
2.85%3.50%4.15%Sep 18, 2026: 3.35% APYSep 24, 2026: 3.50% APYOct 2, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.65%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
3 Month CD
$0
3.55% ▲ 1.05% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
90 Day Certificate of Deposit
$0
3.30% ▲ 0.80% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.80% above avgNationally 2.09%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
2.55%3.18%3.80%Sep 18, 2026: 3.05% APYSep 27, 2026: 3.20% APYOct 2, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.30%▲ from 3.20%
  • Sep 27, 20263.20%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
3 Month Share Certificates
$0
3.15% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.65% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 6, 2026: 3.15% APYOct 6, 2026Oct 13, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
21776 Katy Fwy, Katy, TX 77449
3 Month Certificate of Deposit
$0
3.00% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 0.50% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
Share Certificates - 3 Months
$0
3.00% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.50% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 6, 2026: 3.00% APYOct 6, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
90 Day CD - Jumbo Term Share
$100,000
2.88% ▲ 0.38% above Texas avg
View
▼
Rate2.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.38% above avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 2.88% APY
2.38%2.88%3.38%Oct 12, 2026: 2.88% APYOct 12, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
90 Day Premium Term Share Certificate
$100
2.78% ▲ 0.28% above Texas avg
View
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.28% above avgNationally 2.09%
Details

Rate History
No change since Oct 4, 2026 · 2.78% APY · checked 3 times
2.28%2.78%3.28%Oct 4, 2026: 2.78% APYOct 4, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Term Share CD - 90 day - PDA
$100
2.78% ▲ 0.28% above Texas avg
View
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.28% above avgNationally 2.09%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 12, 2026: 2.78% APYOct 12, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.65% ▲ 0.15% above Texas avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.15% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
2.05%2.60%3.15%Sep 18, 2026: 2.55% APYOct 1, 2026: 2.65% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.65%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.55% ▲ 0.05% above Texas avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 0.05% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
1.95%2.50%3.05%Sep 18, 2026: 2.45% APYOct 1, 2026: 2.55% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.55%▲ from 2.45%
  • Sep 18, 20262.45%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Certificates - 3 months
$0
2.45% ▼ 0.05% below Texas avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▼ 0.05% below avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
1.84%2.40%2.95%Sep 18, 2026: 2.34% APYOct 1, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.45%▲ from 2.34%
  • Sep 18, 20262.34%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
90 Day Term Share Certificate (CD)
$100
2.27% ▼ 0.23% below Texas avg
View
▼
Rate2.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▼ 0.23% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Sep 18, 2026: 2.27% APYSep 18, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
90 Day Jumbo Certificate
$50,000
2.25% ▼ 0.25% below Texas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▼ 0.25% below avgNationally 2.09%
Details

Consumer Only; Minimum Balance to Open $50,000; Minimum Balance to Earn APY $50,000

Rate History
No change since Oct 13, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
25108 Market Place Dr, Katy, TX 77494
3 Month CD
$500
2.00% ▼ 0.50% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
3 Month Elements CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
3 Month IRA CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
3 Month Kids Club and Teens CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
3 Month Kids Club CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
3 Month Standard CD
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Kids Club and Teens CDs - 3 months
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Standard CDs - 3 months
$0
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
3 Month IRA Jumbo Term Certificate
$95,000
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Dividends compounded quarterly, credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period; Fixed rate; Available as Traditional and Roth

Rate History
No change since Oct 13, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Certificate Account - 3 Months
$1,000
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Fixed; Dividends compounded quarterly; Dividends credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.

Rate History
No change since Oct 13, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Jumbo Certificate Account - 3 Months
$95,000
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Fixed; Dividends compounded Monthly; Dividends credited Monthly; Early withdrawal: At Maturity, up to 90 days dividends; Renewals: Automatic with 10 day grace period

Rate History
1 change since Sep 14, 2026 · 1.25% → 1.75% ▲ 0.50 pts · high 1.75% / low 1.25%
0.75%1.50%2.25%Sep 14, 2026: 1.25% APYOct 1, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20261.75%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Traditional Certificate Account - 3 Months
$1,000
1.75% ▼ 0.75% below Texas avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.09%
Details

Dividends compounded quarterly; credited quarterly; additional deposits: at maturity; early withdrawal penalty: up to 90 days dividends; renewals: automatic with 10 day grace period; IRA Term Certificate (Available as both Traditional and Roth)

Rate History
No change since Oct 13, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5622 3rd St, Katy, TX 77493
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5622 3rd St, Katy, TX 77493
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
555 W Grand Pkwy S, Katy, TX 77494
90 Day Certificate
$0
0.06% ▼ 2.44% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.09%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5622 3rd St, Katy, TX 77493
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
333 S Fry Rd, Katy, TX 77450
3 Month Certificate of Deposit
$0
0.03% ▼ 2.47% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.47% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
333 S Fry Rd, Katy, TX 77450
3 Month Certificate of Deposit
$0
0.02% ▼ 2.48% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.48% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
333 S Fry Rd, Katy, TX 77450
3 Month Certificate of Deposit
$0
0.01% ▼ 2.49% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▼ 2.49% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.08% above Texas avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificate of Deposit
$0
4.44% ▲ 1.94% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 8, 2026: 4.44% APYOct 8, 2026Oct 13, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$250,001
4.23% ▲ 1.73% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $250,001

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.23%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 months)
$100,001
4.18% ▲ 1.68% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.09%
Details

IRA Certificate; minimum deposit tier $100,001

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

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

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

IRA Certificate; minimum deposit tier $50,001

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

Special; Balance: $1000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 13, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month Certificate
$0
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 3 Months
$500
4.08% ▲ 1.58% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.58% above avgNationally 2.09%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.08%▲ from 3.72%
  • Sep 16, 20263.72%first recorded

Katy 6 Month CD Rates

Texas 6 Month CD Average3.25% APYNational 2.78%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
6 Month 360 CDs
$0
4.30% ▲ 1.05% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.78%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
21776 Katy Fwy, Katy, TX 77449
6 Month Certificate of Deposit
$0
4.25% ▲ 1.00% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
6 Month CD - Jumbo Term Share
$100,000
3.91% ▲ 0.66% above Texas avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.66% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
6 Month Business CD
$5,000
3.90% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.78%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
6 Month Share Certificates
$0
3.90% ▲ 0.65% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
21776 Katy Fwy, Katy, TX 77449
6 Month CD
$500
3.85% ▲ 0.60% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.60% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
6 Month Premium Term Share Certificate
$100
3.80% ▲ 0.55% above Texas avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Term Share CD - 6 month - PDA
$100
3.80% ▲ 0.55% above Texas avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.78%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
6 Month Business CD
$5,000
3.80% ▲ 0.55% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.78%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
CD and over - 6 Months
$0
3.75% ▲ 0.50% above Texas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
6 Month Certificate
$500
3.75% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.78%
Details

Consumer Only; Minimum Balance to Open $500; Minimum Balance to Earn APY $500

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Callable CD 6 Months
$0
3.75% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
Share Certificates - 6 Months
$0
3.75% ▲ 0.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
6 Month Business CD
$5,000
3.70% ▲ 0.45% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.78%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
6 Month CD to $249,999.99
$0
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
6 Month Certificate of Deposit (Jumbo)
$0
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
6 Month IRA Certificate of Deposit
$1,000
3.65% ▲ 0.40% above Texas avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.78%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
180 Day Certificate of Deposit
$0
3.60% ▲ 0.35% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
2.60%3.35%4.10%Sep 18, 2026: 3.10% APYSep 24, 2026: 3.50% APYOct 2, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.60%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
6 Month Elements CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
6 Month IRA CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
6 Month Kids Club and Teens CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
6 Month Kids Club CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
6 Month Standard CD
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Kids Club and Teens CDs - 6 months
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Standard CDs - 6 months
$0
3.60% ▲ 0.35% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
0.90%2.93%4.95%Sep 14, 2026: 2.25% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.60%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
6 Month Business CD
$5,000
3.60% ▲ 0.35% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.35% above avgNationally 2.78%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
6 Month Certificate of Deposit
$0
3.55% ▲ 0.30% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.30% above avgNationally 2.78%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
6 Month IRA Jumbo Term Certificate
$95,000
3.50% ▲ 0.25% above Texas avg
View
▼
Rate3.45%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.25% above avgNationally 2.78%
Details

Dividends compounded quarterly, credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period; Fixed rate; Available as Traditional and Roth

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Certificate Account - 6 Months
$1,000
3.50% ▲ 0.25% above Texas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.25% above avgNationally 2.78%
Details

Fixed; Dividends compounded quarterly; Dividends credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Jumbo Certificate Account - 6 Months
$95,000
3.50% ▲ 0.25% above Texas avg
View
▼
Rate3.45%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.25% above avgNationally 2.78%
Details

Fixed; Dividends compounded Monthly; Dividends credited Monthly; Early withdrawal: At Maturity, up to 90 days dividends; Renewals: Automatic with 10 day grace period

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Traditional Certificate Account - 6 Months
$1,000
3.50% ▲ 0.25% above Texas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.25% above avgNationally 2.78%
Details

Dividends compounded quarterly; credited quarterly; additional deposits: at maturity; early withdrawal penalty: up to 90 days dividends; renewals: automatic with 10 day grace period; IRA Term Certificate (Available as both Traditional and Roth)

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
6 Month CD
$0
3.49% ▲ 0.24% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 0.24% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Oct 7, 2026: 3.49% APYOct 7, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
6 Month Certificate
$0
3.30% ▲ 0.05% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.05% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
6 Month Term Share Certificate (CD)
$100
3.29% ▲ 0.04% above Texas avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.04% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
180 Day Certificate of Deposit
$0
3.20% ▼ 0.05% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▼ 0.05% below avgNationally 2.78%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70%
2.20%2.95%3.70%Sep 18, 2026: 2.70% APYSep 27, 2026: 3.10% APYOct 2, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.20%▲ from 3.10%
  • Sep 27, 20263.10%▲ from 2.70%
  • Sep 18, 20262.70%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
6 Month IRA Certificate
$1,000
3.00% ▼ 0.25% below Texas avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▼ 0.25% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 21, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 21, 2026: 3.00% APYSep 21, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
6 Month Share Certificate
$1,000
3.00% ▼ 0.25% below Texas avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▼ 0.25% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
6 Month CD
$0
2.90% ▼ 0.35% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.35% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
6 Month Jumbo CD
$0
2.90% ▼ 0.35% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.35% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
6 Month Standard IRA CD
$0
2.90% ▼ 0.35% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.35% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
Business 6 Month CD
$0
2.90% ▼ 0.35% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.35% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Jumbo Certificates - 6 months
$0
2.89% ▼ 0.36% below Texas avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.36% below avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 2.89% ▲ 0.04 pts · high 2.89% / low 2.85%
2.35%2.87%3.39%Sep 18, 2026: 2.85% APYOct 1, 2026: 2.89% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.89%▲ from 2.85%
  • Sep 18, 20262.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Junior Jumbo Certificates - 6 months
$0
2.78% ▼ 0.47% below Texas avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.47% below avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 2.74% → 2.78% ▲ 0.04 pts · high 2.78% / low 2.74%
2.24%2.76%3.28%Sep 18, 2026: 2.74% APYOct 1, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.78%▲ from 2.74%
  • Sep 18, 20262.74%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Certificates - 6 months
$0
2.68% ▼ 0.57% below Texas avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.57% below avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 2.64% → 2.68% ▲ 0.04 pts · high 2.68% / low 2.64%
2.14%2.66%3.18%Sep 18, 2026: 2.64% APYOct 1, 2026: 2.68% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.68%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
6-month Tier Jumbo Certificate
$100,000
2.60% ▼ 0.65% below Texas avg
View
▼
Rate2.57%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.65% below avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 10, 2026: 2.60% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 6 Months Tier Jumbo
$100,000
2.60% ▼ 0.65% below Texas avg
View
▼
Rate2.57%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.65% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
6-month Tier Mini Jumbo Certificate
$50,000
2.55% ▼ 0.70% below Texas avg
View
▼
Rate2.52%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.70% below avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 10, 2026: 2.55% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 6 Months Tier Mini Jumbo
$50,000
2.55% ▼ 0.70% below Texas avg
View
▼
Rate2.52%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.70% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 6 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
6-month Tier Certificate
$1,000
2.50% ▼ 0.75% below Texas avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.75% below avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 10, 2026: 2.50% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 6 Months Tier
$1,000
2.50% ▼ 0.75% below Texas avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▼ 0.75% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026

Katy 12 Month CD Rates

Texas 12 Month CD Average3.38% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24655 Katy Fwy, Katy, TX 77494
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.97% above Texas avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
12 Month 360 CDs
$0
4.30% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
21776 Katy Fwy, Katy, TX 77449
12 Month CD
$500
4.30% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
1 Year Business CD
$5,000
4.20% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.82% above avgNationally 2.99%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
1 Year Business CD
$5,000
4.10% ▲ 0.72% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
12 Month CD - Jumbo Term Share
$100,000
4.01% ▲ 0.63% above Texas avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
1-year online CDs
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
12 Month Certificate
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24655 Katy Fwy, Katy, TX 77494
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
21776 Katy Fwy, Katy, TX 77449
12 Month Certificate of Deposit
$0
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
IRA Certificate - 12 Month
$500
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Effective 10/1/2025; APY*

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
12 Month IRA Jumbo Term Certificate
$95,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.94%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Dividends compounded quarterly, credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period; Fixed rate; Available as Traditional and Roth

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Certificate Account - 12 Months
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Fixed; Dividends compounded quarterly; Dividends credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Jumbo Certificate Account - 12 Months
$95,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.93%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Fixed; Dividends compounded Monthly; Dividends credited Monthly; Early withdrawal: At Maturity, up to 90 days dividends; Renewals: Automatic with 10 day grace period

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Traditional Certificate Account - 12 Months
$1,000
4.00% ▲ 0.62% above Texas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Dividends compounded quarterly; credited quarterly; additional deposits: at maturity; early withdrawal penalty: up to 90 days dividends; renewals: automatic with 10 day grace period; IRA Term Certificate (Available as both Traditional and Roth)

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
1 Year Business CD
$5,000
4.00% ▲ 0.62% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
12 Month Premium Term Share Certificate
$100
3.91% ▲ 0.53% above Texas avg
View
▼
Rate3.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Oct 4, 2026: 3.91% APYOct 4, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Premium College Saver (12 Months)
$25
3.91% ▲ 0.53% above Texas avg
View
▼
Rate3.85%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Special Term Share Certificates - Jumbo Term Share Rates

Rate History
No change since Oct 4, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Oct 4, 2026: 3.91% APYOct 4, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Term Share CD - 12 month - PDA
$100
3.91% ▲ 0.53% above Texas avg
View
▼
Rate3.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
1 Year Business CD
$5,000
3.90% ▲ 0.52% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.52% above avgNationally 2.99%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
12 Month Share Certificates
$0
3.90% ▲ 0.52% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.52% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
12 Month Certificate
$0
3.75% ▲ 0.37% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
12 Month IRA CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
12 Month Kids Club and Teens CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
12 Month Kids Club CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
12 Month Standard CD
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Kids Club and Teens CDs - 12 months
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Standard CDs - 12 months
$0
3.75% ▲ 0.37% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
Share Certificates - 12 Months
$0
3.75% ▲ 0.37% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
12 Month Certificate of Deposit (Jumbo)
$0
3.70% ▲ 0.32% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.32% above avgNationally 2.99%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
12 Month IRA Certificate of Deposit
$1,000
3.70% ▲ 0.32% above Texas avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.32% above avgNationally 2.99%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
12-month IRA
$1,000
3.60% ▲ 0.22% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
12-month Tier Jumbo Certificate
$0
3.60% ▲ 0.22% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 12 Months Tier Jumbo
$100,000
3.60% ▲ 0.22% above Texas avg
View
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
12 Month Certificate of Deposit
$0
3.60% ▲ 0.22% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
12 Month Smart Growth CD
$100
3.60% ▲ 0.22% above Texas avg
View
▼
Rate3.54%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

Balance: $100 and over

Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
Smart Growth Certificate of Deposit - 12 Month CD
$100
3.60% ▲ 0.22% above Texas avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.22% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. APYs are accurate as of 5/26/2026 and subject to change. Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
12-month Tier Mini Jumbo Certificate
$0
3.55% ▲ 0.17% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 10, 2026: 3.55% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 12 Months Tier Mini Jumbo
$50,000
3.55% ▲ 0.17% above Texas avg
View
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
12 Month IRA Certificate
$1,000
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
12 Month Share Certificate
$1,000
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
12-month Tier Certificate
$0
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 12 Months Tier
$1,000
3.50% ▲ 0.12% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
12 Month Term Share Certificate (CD)
$100
3.39% ▲ 0.01% above Texas avg
View
▼
Rate3.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.39% APY · checked 4 times
2.89%3.39%3.89%Sep 18, 2026: 3.39% APYSep 18, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
College Saver (12 Months)
$25
3.39% ▲ 0.01% above Texas avg
View
▼
Rate3.35%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.01% above avgNationally 2.99%
Details

Special Term Share Certificates - Jumbo Term Share Rates

Rate History
No change since Oct 4, 2026 · 3.39% APY · checked 3 times
2.89%3.39%3.89%Oct 4, 2026: 3.39% APYOct 4, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
12 Month Certificate of Deposit
$0
3.35% ▼ 0.03% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.03% below avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.35% ▲ 0.35 pts · high 3.35% / low 3.00%
2.50%3.18%3.85%Sep 18, 2026: 3.00% APYSep 24, 2026: 3.25% APYOct 2, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.35%▲ from 3.25%
  • Sep 24, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
22171 Westheimer Pkwy, Katy, TX 77450
12-month CD
$0
3.25% ▼ 0.13% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▼ 0.13% below avgNationally 2.99%
Details

Special rate for select new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Jumbo Certificates - 1 year
$0
3.17% ▼ 0.21% below Texas avg
View
▼
Rate3.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▼ 0.21% below avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.02% → 3.17% ▲ 0.15 pts · high 3.17% / low 3.02%
2.52%3.09%3.67%Sep 18, 2026: 3.02% APYOct 1, 2026: 3.17% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.17%▲ from 3.02%
  • Sep 18, 20263.02%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
CD and over - 12 Months
$0
3.08% ▼ 0.30% below Texas avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.30% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.08% APY · checked 2 times
2.58%3.08%3.58%Oct 7, 2026: 3.08% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
IRA and over - 12 Months
$0
3.08% ▼ 0.30% below Texas avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▼ 0.30% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.08% APY · checked 2 times
2.58%3.08%3.58%Oct 7, 2026: 3.08% APYOct 7, 2026Oct 13, 2026

Katy 18 Month CD Rates

Texas 18 Month CD Average3.26% APYNational 2.87%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
18 Month Business CD
$5,000
4.35% ▲ 1.09% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▲ 1.09% above avgNationally 2.87%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
21776 Katy Fwy, Katy, TX 77449
18 Month CD
$500
4.35% ▲ 1.09% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 1.09% above avgNationally 2.87%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
18 Month 360 CDs
$0
4.30% ▲ 1.04% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 1.04% above avgNationally 2.87%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
18 Month Business CD
$5,000
4.25% ▲ 0.99% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▲ 0.99% above avgNationally 2.87%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
18 Month Business CD
$5,000
4.15% ▲ 0.89% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▲ 0.89% above avgNationally 2.87%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
18 Month Business CD
$5,000
4.05% ▲ 0.79% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▲ 0.79% above avgNationally 2.87%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
18 Month CD - Jumbo Term Share
$100,000
3.91% ▲ 0.65% above Texas avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.65% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
18 Month Share Certificates
$0
3.90% ▲ 0.64% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.64% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
18 Month Premium Term Share Certificate
$100
3.80% ▲ 0.54% above Texas avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.54% above avgNationally 2.87%
Details

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Term Share CD - 18 month - PDA
$100
3.80% ▲ 0.54% above Texas avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.54% above avgNationally 2.87%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
18 Month IRA Certificate
$1,000
3.75% ▲ 0.49% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▲ 0.49% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
18 Month Share Certificate
$1,000
3.75% ▲ 0.49% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▲ 0.49% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
Share Certificates - 18 Months
$0
3.75% ▲ 0.49% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24655 Katy Fwy, Katy, TX 77494
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.44% above Texas avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.44% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
18 Month Certificate
$0
3.65% ▲ 0.39% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
18 Month Elements CD
$0
3.65% ▲ 0.39% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
18 Month IRA CD
$0
3.65% ▲ 0.39% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
18 Month Kids Club and Teens CD
$0
3.65% ▲ 0.39% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
18 Month Kids Club CD
$0
3.65% ▲ 0.39% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
18 Month Standard CD
$0
3.65% ▲ 0.39% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Kids Club and Teens CDs - 18 months
$0
3.65% ▲ 0.39% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Standard CDs - 18 months
$0
3.65% ▲ 0.39% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
18 Month Certificate of Deposit (Jumbo)
$0
3.65% ▲ 0.39% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
18 Month IRA Certificate of Deposit
$1,000
3.65% ▲ 0.39% above Texas avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.39% above avgNationally 2.87%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
18 Month Certificate
$0
3.60% ▲ 0.34% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▲ 0.34% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
18 Month Certificate of Deposit
$0
3.55% ▲ 0.29% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.29% above avgNationally 2.87%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.49% ▲ 0.23% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.23% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.28% → 3.49% ▲ 0.21 pts · high 3.49% / low 3.28%
2.78%3.39%3.99%Sep 18, 2026: 3.28% APYOct 1, 2026: 3.49% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.49%▲ from 3.28%
  • Sep 18, 20263.28%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Junior Jumbo Certificates - 18 months
$0
3.39% ▲ 0.13% above Texas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.13% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.18% → 3.39% ▲ 0.21 pts · high 3.39% / low 3.18%
2.68%3.29%3.89%Sep 18, 2026: 3.18% APYOct 1, 2026: 3.39% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.39%▲ from 3.18%
  • Sep 18, 20263.18%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
18 Month Term Share Certificate (CD)
$100
3.29% ▲ 0.03% above Texas avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.26%▲ 0.03% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Certificates - 18 months
$0
3.29% ▲ 0.03% above Texas avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 0.03% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.07% → 3.29% ▲ 0.22 pts · high 3.29% / low 3.07%
2.57%3.18%3.79%Sep 18, 2026: 3.07% APYOct 1, 2026: 3.29% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.29%▲ from 3.07%
  • Sep 18, 20263.07%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
18 Month CD
$0
3.00% ▼ 0.26% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
18 Month Jumbo CD
$0
3.00% ▼ 0.26% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
18 Month Standard IRA CD
$0
3.00% ▼ 0.26% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
Business 18 Month CD
$0
3.00% ▼ 0.26% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
CD and over - 18 Months
$0
2.52% ▼ 0.74% below Texas avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.26%▼ 0.74% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
IRA and over - 18 Months
$0
2.52% ▼ 0.74% below Texas avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.26%▼ 0.74% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 7, 2026: 2.52% APYOct 7, 2026Oct 13, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
21776 Katy Fwy, Katy, TX 77449
18 Month Certificate of Deposit
$0
2.50% ▼ 0.76% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 0.76% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
18 Month CD to $249,999.99
$0
2.27% ▼ 0.99% below Texas avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.26%▼ 0.99% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 7, 2026: 2.27% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
IRA to $249,999.99 18 Months
$0
2.27% ▼ 0.99% below Texas avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.26%▼ 0.99% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 7, 2026: 2.27% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
18 Month CD
$0
2.02% ▼ 1.24% below Texas avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.26%▼ 1.24% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 7, 2026: 2.02% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
18 Month IRA Certificate
$0
2.01% ▼ 1.25% below Texas avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.26%▼ 1.25% below avgNationally 2.87%
Details

Rate History
1 change since Sep 24, 2026 · 2.27% → 2.01% ▼ 0.26 pts · high 2.27% / low 2.01%
1.51%2.14%2.77%Sep 24, 2026: 2.27% APYOct 7, 2026: 2.01% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.01%▼ from 2.27%
  • Sep 24, 20262.27%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
555 W Grand Pkwy S, Katy, TX 77494
18 Month Certificate
$0
1.50% ▼ 1.76% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 1.76% below avgNationally 2.87%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
555 W Grand Pkwy S, Katy, TX 77494
IRA CD - 18 Months
$0
1.50% ▼ 1.76% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 1.76% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
18 Month Variable IRA
$0
0.90% ▼ 2.36% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 2.36% below avgNationally 2.87%
Details

Rate History
No change since Oct 2, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 2, 2026: 0.90% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
333 S Fry Rd, Katy, TX 77450
18 Month Certificate of Deposit
$0
0.03% ▼ 3.23% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 3.23% below avgNationally 2.87%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
333 S Fry Rd, Katy, TX 77450
18 Month Certificate of Deposit
$0
0.02% ▼ 3.24% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 3.24% below avgNationally 2.87%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
333 S Fry Rd, Katy, TX 77450
18 Month Certificate of Deposit
$0
0.01% ▼ 3.25% below Texas avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.26%▼ 3.25% below avgNationally 2.87%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 - 18 Month Super Flex Term CD Special
$0
4.65% ▲ 1.39% above Texas avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.26%▲ 1.39% above avgNationally 2.87%
Details

Specials

Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 9, 2026: 4.65% APYOct 9, 2026Oct 13, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month CD
$0
4.50% ▲ 1.24% above Texas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 1.24% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month Traditional/Roth IRA
$0
4.50% ▲ 1.24% above Texas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.26%▲ 1.24% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded

Katy 24 Month CD Rates

Texas 24 Month CD Average3.22% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
21776 Katy Fwy, Katy, TX 77449
24 Month CD
$500
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
24 Month 360 CDs
$0
4.30% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Callable CD 24 Months
$0
4.20% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 22, 2026: 4.20% APYSep 22, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
2 Year Business CD
$5,000
4.15% ▲ 0.93% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
24 Month Share Certificates
$0
3.90% ▲ 0.68% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.89% ▲ 0.67% above Texas avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.67% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60%
3.10%3.75%4.39%Sep 18, 2026: 3.60% APYOct 1, 2026: 3.89% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.89%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
24 Month IRA Jumbo Term Certificate
$95,000
3.85% ▲ 0.63% above Texas avg
View
▼
Rate3.80%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details

Dividends compounded quarterly, credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period; Fixed rate; Available as Traditional and Roth

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Certificate Account - 24 Months
$1,000
3.85% ▲ 0.63% above Texas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details

Fixed; Dividends compounded quarterly; Dividends credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Jumbo Certificate Account - 24 Months
$95,000
3.85% ▲ 0.63% above Texas avg
View
▼
Rate3.78%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details

Fixed; Dividends compounded Monthly; Dividends credited Monthly; Early withdrawal: At Maturity, up to 180 days dividends; Renewals: Automatic with 10 day grace period

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Traditional Certificate Account - 24 Months
$1,000
3.85% ▲ 0.63% above Texas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details

Dividends compounded quarterly; credited quarterly; additional deposits: at maturity; early withdrawal penalty: up to 180 days dividends; renewals: automatic with 10 day grace period; IRA Term Certificate (Available as both Traditional and Roth)

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.78% ▲ 0.56% above Texas avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49%
2.99%3.64%4.28%Sep 18, 2026: 3.49% APYOct 1, 2026: 3.78% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.78%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
Share Certificates - 24 Months
$0
3.75% ▲ 0.53% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
24-month IRA
$0
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
24-month Tier Jumbo Certificate
$0
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 24 Months Tier Jumbo
$100,000
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Certificates - 2 years
$0
3.68% ▲ 0.46% above Texas avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.39% → 3.68% ▲ 0.29 pts · high 3.68% / low 3.39%
2.89%3.54%4.18%Sep 18, 2026: 3.39% APYOct 1, 2026: 3.68% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.68%▲ from 3.39%
  • Sep 18, 20263.39%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
2 Year CD - Jumbo Term Share
$100,000
3.65% ▲ 0.43% above Texas avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
24-month Tier Mini Jumbo Certificate
$0
3.65% ▲ 0.43% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 24 Months Tier Mini Jumbo
$50,000
3.65% ▲ 0.43% above Texas avg
View
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24655 Katy Fwy, Katy, TX 77494
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
24 Month IRA Certificate
$1,000
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 21, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 21, 2026: 3.60% APYSep 21, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
24 Month Share Certificate
$1,000
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
24-month Tier Certificate
$0
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 24 Months Tier
$1,000
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
24 Month Certificate of Deposit (Jumbo)
$0
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
24 Month IRA Certificate of Deposit
$1,000
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.88%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
2 Year Premium Term Share Certificate
$100
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Term Share CD - 2 year - PDA
$100
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.88%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
24 Month Certificate
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
IRA Certificate - 24 Month
$500
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Effective 10/1/2025; APY*

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
24 Month Certificate of Deposit
$0
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.88%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
24 Month Elements CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
24 Month IRA CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
24 Month Kids Club and Teens CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
24 Month Kids Club CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
24 Month Standard CD
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Kids Club and Teens CDs - 24 months
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Standard CDs - 24 months
$0
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
24 Month Certificate of Deposit
$0
3.10% ▼ 0.12% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 2.90% → 3.10% ▲ 0.20 pts · high 3.10% / low 2.90%
2.40%3.00%3.60%Sep 18, 2026: 2.90% APYSep 24, 2026: 3.00% APYOct 2, 2026: 3.10% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.10%▲ from 3.00%
  • Sep 24, 20263.00%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
2 Year Term Share Certificate (CD)
$100
3.03% ▼ 0.19% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▼ 0.19% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
24 Month CD
$0
3.00% ▼ 0.22% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
24 Month Jumbo CD
$0
3.00% ▼ 0.22% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
24 Month Standard IRA CD
$0
3.00% ▼ 0.22% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
Business 24 Month CD
$0
3.00% ▼ 0.22% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
24 Month Certificate of Deposit
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details

Balance: $1,000 to $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40%
1.90%2.50%3.10%Sep 18, 2026: 2.40% APYSep 27, 2026: 2.50% APYOct 2, 2026: 2.60% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20262.60%▲ from 2.50%
  • Sep 27, 20262.50%▲ from 2.40%
  • Sep 18, 20262.40%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
23701 Cinco Ranch Blvd, Katy, TX 77494
24 Month Fixed IRA
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 2, 2026: 2.60% APYOct 2, 2026Oct 13, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
21776 Katy Fwy, Katy, TX 77449
24 Month Certificate of Deposit
$0
2.50% ▼ 0.72% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.72% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
25108 Market Place Dr, Katy, TX 77494
2 Year CD
$500
2.25% ▼ 0.97% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▼ 0.97% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
24 Month Rising Rate - New Money Certificate
$500
2.25% ▼ 0.97% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▼ 0.97% below avgNationally 2.88%
Details

Consumer Only; Rising Rate option: rate may change once during the original term to the current rate for the same term; Minimum Balance to Open $500; Minimum Balance to Earn APY $500

Rate History
No change since Oct 13, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
24 Month Certificate
$500
2.00% ▼ 1.22% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▼ 1.22% below avgNationally 2.88%
Details

Consumer or Business; Minimum Balance to Open $500; Minimum Balance to Earn APY $500

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026

Katy 36 Month CD Rates

Texas 36 Month CD Average3.14% APYNational 2.81%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
3 Year Business CD
$5,000
4.50% ▲ 1.36% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
36 Month 360 CDs
$0
4.30% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Jumbo Certificates - 3 years
$0
4.24% ▲ 1.10% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
3.41%4.08%4.74%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.24% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.24%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24655 Katy Fwy, Katy, TX 77494
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.01% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
4.14% ▲ 1.00% above Texas avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.00% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
3.30%3.97%4.64%Sep 18, 2026: 3.80% APYOct 1, 2026: 4.14% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.14%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24655 Katy Fwy, Katy, TX 77494
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 0.96% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Certificates - 3 years
$0
4.03% ▲ 0.89% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.89% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70%
3.20%3.87%4.53%Sep 18, 2026: 3.70% APYOct 1, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.03%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
36 Month Share Certificates
$0
3.90% ▲ 0.76% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
36-month Tier Mini Jumbo Certificate
$0
3.85% ▲ 0.71% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
36 Month IRA Jumbo Term Certificate
$95,000
3.75% ▲ 0.61% above Texas avg
View
▼
Rate3.70%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Dividends compounded quarterly, credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period; Fixed rate; Available as Traditional and Roth

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Certificate Account - 36 Months
$1,000
3.75% ▲ 0.61% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Fixed; Dividends compounded quarterly; Dividends credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Jumbo Certificate Account - 36 Months
$95,000
3.75% ▲ 0.61% above Texas avg
View
▼
Rate3.69%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Fixed; Dividends compounded Monthly; Dividends credited Monthly; Early withdrawal: At Maturity, up to 180 days dividends; Renewals: Automatic with 10 day grace period

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Traditional Certificate Account - 36 Months
$1,000
3.75% ▲ 0.61% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Dividends compounded quarterly; credited quarterly; additional deposits: at maturity; early withdrawal penalty: up to 180 days dividends; renewals: automatic with 10 day grace period; IRA Term Certificate (Available as both Traditional and Roth)

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
36-month IRA
$0
3.75% ▲ 0.61% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
36-month Tier Jumbo Certificate
$0
3.75% ▲ 0.61% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
Share Certificates - 36 Months
$0
3.75% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
36-month Tier Certificate
$0
3.65% ▲ 0.51% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
36 Month Certificate of Deposit (Jumbo)
$0
3.65% ▲ 0.51% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.81%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
36 Month IRA Certificate of Deposit
$1,000
3.65% ▲ 0.51% above Texas avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.81%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
36 Month Elements CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
36 Month IRA CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
36 Month Kids Club and Teens CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
36 Month Kids Club CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
36 Month Standard CD
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Kids Club and Teens CDs - 36 months
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYSep 18, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Standard CDs - 36 months
$0
3.60% ▲ 0.46% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
1.00%2.95%4.90%Sep 14, 2026: 2.30% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.60%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
36 Month Certificate of Deposit
$0
3.55% ▲ 0.41% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.41% above avgNationally 2.81%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
36 Month Certificate
$0
3.50% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
36 Month IRA Certificate
$1,000
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
36 Month Share Certificate
$1,000
3.50% ▲ 0.36% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
21776 Katy Fwy, Katy, TX 77449
36 Month CD
$500
3.50% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Term Share CD - 3 year - PDA
$100
3.29% ▲ 0.15% above Texas avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.15% above avgNationally 2.81%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 12, 2026: 3.29% APYOct 12, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
IRA Certificate - 36 Month
$500
3.25% ▲ 0.11% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.11% above avgNationally 2.81%
Details

Effective 10/1/2025; APY*

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
36 Month CD
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
36 Month Jumbo CD
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
36 Month Standard IRA CD
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
Business 36 Month CD
$0
3.00% ▼ 0.14% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
3 Year Term Share Certificate (CD)
$100
2.78% ▼ 0.36% below Texas avg
View
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▼ 0.36% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
21776 Katy Fwy, Katy, TX 77449
36 Month Certificate of Deposit
$0
2.50% ▼ 0.64% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 0.64% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
36 Month Certificate
$500
1.75% ▼ 1.39% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▼ 1.39% below avgNationally 2.81%
Details

Consumer or Business; Minimum Balance to Open $500; Minimum Balance to Earn APY $500

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
555 W Grand Pkwy S, Katy, TX 77494
3 Year Certificate
$0
1.50% ▼ 1.64% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.81%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
555 W Grand Pkwy S, Katy, TX 77494
IRA CD - 3 Years
$0
1.50% ▼ 1.64% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
25108 Market Place Dr, Katy, TX 77494
3 Year CD
$500
1.40% ▼ 1.74% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 1.74% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
CD and over - 36 Months
$0
1.10% ▼ 2.04% below Texas avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.04% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 7, 2026: 1.10% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
IRA and over - 36 Months
$0
1.10% ▼ 2.04% below Texas avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.04% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 7, 2026: 1.10% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
36 Month CD to $249,999.99
$0
0.85% ▼ 2.29% below Texas avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.29% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 7, 2026: 0.85% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
IRA to $249,999.99 36 Months
$0
0.85% ▼ 2.29% below Texas avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.29% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 7, 2026: 0.85% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
36 Month CD
$0
0.60% ▼ 2.54% below Texas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.54% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 7, 2026: 0.60% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
36 Month IRA Certificate
$0
0.60% ▼ 2.54% below Texas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▼ 2.54% below avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 0.85% → 0.60% ▼ 0.25 pts · high 0.85% / low 0.60%
0.10%0.73%1.35%Sep 24, 2026: 0.85% APYOct 7, 2026: 0.60% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20260.60%▼ from 0.85%
  • Sep 24, 20260.85%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
333 S Fry Rd, Katy, TX 77450
36 Month Certificate of Deposit
$0
0.03% ▼ 3.11% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▼ 3.11% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026

Katy 48 Month CD Rates

Texas 48 Month CD Average3.04% APYNational 2.80%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
4 Year Business CD
$5,000
4.60% ▲ 1.56% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.56% above avgNationally 2.80%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
4 Year Business CD
$5,000
4.50% ▲ 1.46% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.46% above avgNationally 2.80%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47% ▲ 1.43% above Texas avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.43% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
3.62%4.30%4.97%Sep 18, 2026: 4.12% APYOct 1, 2026: 4.47% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.47%▲ from 4.12%
  • Sep 18, 20264.12%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
4 Year Business CD
$5,000
4.40% ▲ 1.36% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.80%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.36% ▲ 1.32% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 18, 2026: 4.01% APYOct 1, 2026: 4.36% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.36%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
48 Month 360 CDs
$0
4.30% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
4 Year Business CD
$5,000
4.30% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Certificates - 4 years
$0
4.26% ▲ 1.22% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
3.41%4.09%4.76%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.26% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.26%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
48 Month Share Certificates
$0
3.90% ▲ 0.86% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.86% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
48-month IRA
$0
3.80% ▲ 0.76% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.76% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.80% ▼ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 14, 2026: 3.85% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▼ from 3.85%
  • Sep 14, 20263.85%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
48-month Tier Jumbo Certificate
$0
3.80% ▲ 0.76% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.76% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
48-month Tier Mini Jumbo Certificate
$0
3.75% ▲ 0.71% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
Share Certificates - 48 Months
$0
3.75% ▲ 0.71% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
48 Month Elements CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
48 Month IRA CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
48 Month Kids Club and Teens CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYSep 18, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
48 Month Kids Club CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYSep 18, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
48 Month Standard CD
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYSep 18, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Kids Club and Teens CDs - 48 months
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYSep 18, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Standard CDs - 48 months
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
1.00%3.03%5.05%Sep 14, 2026: 2.35% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.70%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
48-month Tier Certificate
$0
3.70% ▲ 0.66% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
48 Month IRA Jumbo Term Certificate
$95,000
3.65% ▲ 0.61% above Texas avg
View
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.61% above avgNationally 2.80%
Details

Dividends compounded quarterly, credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period; Fixed rate; Available as Traditional and Roth

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Certificate Account - 48 Months
$1,000
3.65% ▲ 0.61% above Texas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.61% above avgNationally 2.80%
Details

Fixed; Dividends compounded quarterly; Dividends credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Jumbo Certificate Account - 48 Months
$95,000
3.65% ▲ 0.61% above Texas avg
View
▼
Rate3.59%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.61% above avgNationally 2.80%
Details

Fixed; Dividends compounded Monthly; Dividends credited Monthly; Early withdrawal: At Maturity, up to 180 days dividends; Renewals: Automatic with 10 day grace period

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.65% ▲ 0.65 pts · high 3.65% / low 3.00%
2.35%3.33%4.30%Sep 14, 2026: 3.00% APYOct 1, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.65%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
25525 Katy Mills Pkwy, Katy, TX 77494
Traditional Certificate Account - 48 Months
$1,000
3.65% ▲ 0.61% above Texas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.61% above avgNationally 2.80%
Details

Dividends compounded quarterly; credited quarterly; additional deposits: at maturity; early withdrawal penalty: up to 180 days dividends; renewals: automatic with 10 day grace period; IRA Term Certificate (Available as both Traditional and Roth)

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
48 Month Certificate of Deposit (Jumbo)
$0
3.55% ▲ 0.51% above Texas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.80%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
48 Month IRA Certificate of Deposit
$1,000
3.55% ▲ 0.51% above Texas avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.80%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
48 Month Certificate
$0
3.50% ▲ 0.46% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
48 Month IRA Certificate
$1,000
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
48 Month Share Certificate
$1,000
3.50% ▲ 0.46% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.80%
Details

Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
48 Month Certificate of Deposit
$0
3.45% ▲ 0.41% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.41% above avgNationally 2.80%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
IRA Certificate - 48 Month
$500
3.25% ▲ 0.21% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.21% above avgNationally 2.80%
Details

Effective 10/1/2025; APY*

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
4 Year Premium Term Share Certificate
$100
3.03% ▼ 0.01% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▼ 0.01% below avgNationally 2.80%
Details

Rate History
No change since Oct 4, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 4, 2026: 3.03% APYOct 4, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Term Share CD - 4 year - PDA
$100
3.03% ▼ 0.01% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▼ 0.01% below avgNationally 2.80%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 12, 2026: 3.03% APYOct 12, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
48 Month CD
$0
2.75% ▼ 0.29% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
48 Month Jumbo CD
$0
2.75% ▼ 0.29% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
48 Month Standard IRA CD
$0
2.75% ▼ 0.29% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
Business 48 Month CD
$0
2.75% ▼ 0.29% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
21776 Katy Fwy, Katy, TX 77449
48 Month CD
$500
2.75% ▼ 0.29% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 6, 2026: 2.75% APYOct 6, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
4 Year Term Share Certificate (CD)
$100
2.52% ▼ 0.52% below Texas avg
View
▼
Rate2.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▼ 0.52% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.52% APY · checked 4 times
2.02%2.52%3.02%Sep 18, 2026: 2.52% APYSep 18, 2026Oct 13, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
21776 Katy Fwy, Katy, TX 77449
48 Month Certificate of Deposit
$0
2.50% ▼ 0.54% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 0.54% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
48 Month Certificate
$500
1.75% ▼ 1.29% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▼ 1.29% below avgNationally 2.80%
Details

Consumer or Business; Minimum Balance to Open $500; Minimum Balance to Earn APY $500

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
555 W Grand Pkwy S, Katy, TX 77494
4 Year Certificate
$0
1.50% ▼ 1.54% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 1.54% below avgNationally 2.80%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
555 W Grand Pkwy S, Katy, TX 77494
IRA CD - 4 Years
$0
1.50% ▼ 1.54% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 1.54% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
25108 Market Place Dr, Katy, TX 77494
4 Year CD
$500
1.15% ▼ 1.89% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 1.89% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
CD and over - 48 Months
$0
1.10% ▼ 1.94% below Texas avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▼ 1.94% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 7, 2026: 1.10% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
48 Month CD to $249,999.99
$0
0.85% ▼ 2.19% below Texas avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▼ 2.19% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 7, 2026: 0.85% APYOct 7, 2026Oct 13, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
23033 Grand Circle Blvd, Katy, TX 77449
48 Month CD
$0
0.60% ▼ 2.44% below Texas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▼ 2.44% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 7, 2026: 0.60% APYOct 7, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
333 S Fry Rd, Katy, TX 77450
48 Month Certificate of Deposit
$0
0.03% ▼ 3.01% below Texas avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.01% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
333 S Fry Rd, Katy, TX 77450
48 Month Certificate of Deposit
$0
0.02% ▼ 3.02% below Texas avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▼ 3.02% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026

Katy 60 Month CD Rates

Texas 60 Month CD Average3.08% APYNational 2.90%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 1.79% above Texas avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.79% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.76% ▲ 1.68% above Texas avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.68% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
3.89%4.57%5.26%Sep 18, 2026: 4.39% APYOct 1, 2026: 4.76% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.76%▲ from 4.39%
  • Sep 18, 20264.39%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
5 Year Business CD
$5,000
4.70% ▲ 1.62% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▲ 1.62% above avgNationally 2.90%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
23525 Katy Fwy, Katy, TX 77494 1334
Regular, IRA & Business Certificates - 5 years
$0
4.66% ▲ 1.58% above Texas avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.58% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
3.78%4.47%5.16%Sep 18, 2026: 4.28% APYOct 1, 2026: 4.66% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.66%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
5 Year Business CD
$5,000
4.60% ▲ 1.52% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▲ 1.52% above avgNationally 2.90%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
5 Year Business CD
$5,000
4.50% ▲ 1.42% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.90%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Callable CD 60 Months
$0
4.50% ▲ 1.42% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 13, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
25675 Nelson Way, Katy, TX 77494
5 Year Business CD
$5,000
4.40% ▲ 1.32% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▲ 1.32% above avgNationally 2.90%
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
60 Month 360 CDs
$0
4.30% ▲ 1.22% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.22% above avgNationally 2.90%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
5-Year Certificate of Deposit
$1,000
4.00% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.92% above avgNationally 2.90%
Details

APY= ANNUAL PERCENTAGE YIELD. Rates and Annual Percentage Yield (APY) effective 10/09/2026. Rates and terms are subject to change without notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals. At maturity, the certificate of deposit will renew automatically unless action is taken. Early Withdrawal Penalties - Your account will mature after the applicable term of your Certificate of Deposit set forth above. We will impose a penalty if you withdraw any of the funds in your Certificate of Deposit within the first six days after your Account is opened. The penalty will equal seven day's interest on your account. If you make partial withdrawals of principal prior to the maturity date, penalties will be imposed on the amount of the withdrawal. We will impose a penalty if you redeem your Certificate prior to the maturity date. The penalty will equal all interest earned on 91 day Certificates, 90 days' interest on 6 month Certificates, 180 days' interest on 12, 18 and 24 month Certificates, and 270 days' interest on 30, 36, 48, and 60 month Certificates. All accounts are subject to membership eligibility requirements. A primary savings or checking account is required for new members and has a one-time $5.00 entrance fee in addition to the minimum opening deposit required by the account. Account opening requirements and monthly service fees vary for account type.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
60 Month Certificate
$0
3.95% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 0.87% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
60 Month Elements CD
$0
3.95% ▲ 0.87% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
60 Month IRA CD
$0
3.95% ▲ 0.87% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
60 Month Kids Club and Teens CD
$0
3.95% ▲ 0.87% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 0.87% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYSep 18, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
60 Month Kids Club CD
$0
3.95% ▲ 0.87% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 0.87% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYSep 18, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
60 Month Standard CD
$0
3.95% ▲ 0.87% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 0.87% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYSep 18, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Kids Club and Teens CDs - 60 months
$0
3.95% ▲ 0.87% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 0.87% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYSep 18, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
Standard CDs - 60 months
$0
3.95% ▲ 0.87% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 0.87% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
0.85%3.18%5.50%Sep 14, 2026: 2.40% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.95%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24655 Katy Fwy, Katy, TX 77494
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.82% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share Certificates (i) (Including IRA Certificates) - 60 Months
$0
3.90% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.82% above avgNationally 2.90%
Details

Rate History
1 change since Sep 22, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 22, 2026: 3.95% APYOct 10, 2026: 3.90% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20263.90%▼ from 3.95%
  • Sep 22, 20263.95%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
60 Month Share Certificates
$0
3.90% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.82% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24655 Katy Fwy, Katy, TX 77494
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.77% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.77% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
60-month IRA Special
$0
3.85% ▲ 0.77% above Texas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.77% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 4.10% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
60-month Tier Jumbo Certificate
$0
3.85% ▲ 0.77% above Texas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.77% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 60 Months Tier Jumbo
$100,000
3.85% ▲ 0.77% above Texas avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.77% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 4.10% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
60-month Tier Mini Jumbo Certificate
$0
3.80% ▲ 0.72% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$50,000
3.80% ▲ 0.72% above Texas avg
View
▼
Rate3.73%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.72% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 3.80% ▼ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 14, 2026: 4.05% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▼ from 4.05%
  • Sep 14, 20264.05%first recorded
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share Certificates (i) (Including IRA Certificates) - 60 Months
$1,000
3.75% ▲ 0.67% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
60-month Tier Certificate
$0
3.75% ▲ 0.67% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
5-Year Certificate of Deposit
$1,000
3.75% ▲ 0.67% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

APY= ANNUAL PERCENTAGE YIELD. Rates and Annual Percentage Yield (APY) effective 10/09/2026. Rates and terms are subject to change without notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals. At maturity, the certificate of deposit will renew automatically unless action is taken. Early Withdrawal Penalties - Your account will mature after the applicable term of your Certificate of Deposit set forth above. We will impose a penalty if you withdraw any of the funds in your Certificate of Deposit within the first six days after your Account is opened. The penalty will equal seven day's interest on your account. If you make partial withdrawals of principal prior to the maturity date, penalties will be imposed on the amount of the withdrawal. We will impose a penalty if you redeem your Certificate prior to the maturity date. The penalty will equal all interest earned on 91 day Certificates, 90 days' interest on 6 month Certificates, 180 days' interest on 12, 18 and 24 month Certificates, and 270 days' interest on 30, 36, 48, and 60 month Certificates. All accounts are subject to membership eligibility requirements. A primary savings or checking account is required for new members and has a one-time $5.00 entrance fee in addition to the minimum opening deposit required by the account. Account opening requirements and monthly service fees vary for account type.

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 4.00% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Certificates of Deposit - 60 Months Tier
$1,000
3.75% ▲ 0.67% above Texas avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 4.00% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
23125 Morton Ranch Rd, Katy, TX 77449
Share Certificates - 60 Months
$0
3.75% ▲ 0.67% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
5-year online CDs
$0
3.60% ▲ 0.52% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
23910 Westheimer Pkwy, Katy, TX 77494
60 Month Certificate
$0
3.60% ▲ 0.52% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
60 Month IRA Certificate
$1,000
3.50% ▲ 0.42% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▲ 0.42% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 13, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6711 S Fry Rd, Katy, TX 77494
60 Month Share Certificate
$1,000
3.50% ▲ 0.42% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▲ 0.42% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded: Monthly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
60 Month Certificate of Deposit (Jumbo)
$0
3.50% ▲ 0.42% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.42% above avgNationally 2.90%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
60 Month IRA Certificate of Deposit
$1,000
3.50% ▲ 0.42% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.42% above avgNationally 2.90%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
23665 Katy Freeway, Katy, TX 77494
60 Month Certificate of Deposit
$0
3.40% ▲ 0.32% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.32% above avgNationally 2.90%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
5 Year Premium Term Share Certificate
$100
3.03% ▼ 0.05% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▼ 0.05% below avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 4, 2026: 3.03% APYOct 4, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Term Share CD - 5 year - PDA
$100
3.03% ▼ 0.05% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▼ 0.05% below avgNationally 2.90%
Details

Premium Deposit Account (PDA) dividend rate

Rate History
No change since Oct 12, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 12, 2026: 3.03% APYOct 12, 2026Oct 13, 2026
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3211 Peek Rd, Katy, TX 77449
IRA Certificate - 60 Month
$500
3.00% ▼ 0.08% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.08%▼ 0.08% below avgNationally 2.90%
Details

Effective 10/1/2025; APY*

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
21776 Katy Fwy, Katy, TX 77449
60 Month CD
$500
2.75% ▼ 0.33% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 0.33% below avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 6, 2026: 2.75% APYOct 6, 2026Oct 13, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
5 Year Term Share Certificate (CD)
$100
2.52% ▼ 0.56% below Texas avg
View
▼
Rate2.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▼ 0.56% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.52% APY · checked 4 times
2.02%2.52%3.02%Sep 18, 2026: 2.52% APYSep 18, 2026Oct 13, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
21776 Katy Fwy, Katy, TX 77449
60 Month Certificate of Deposit
$0
2.50% ▼ 0.58% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
60 Month CD
$0
2.50% ▼ 0.58% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
60 Month Jumbo CD
$0
2.50% ▼ 0.58% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
60 Month Standard IRA CD
$0
2.50% ▼ 0.58% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3770 Fry Rd, Katy, TX 77449 6728
Business 60 Month CD
$0
2.50% ▼ 0.58% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
24250 Cinco Ranch Blvd, Katy, TX 77494
3 - 60 Month Elements CDs
$100
1.75% ▼ 1.33% below Texas avg
View
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▼ 1.33% below avgNationally 2.90%
Details

Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%.

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Katy, Texas Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Vio Bank
24 Month CD
A+ 5.0 ★ TX: 4.93%
Min: $500
4.40%
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.30%
Amerant Bank
6 Month Certificate of Deposit
B+ 4.7 ★ TX: 18.65%
Min: $0
4.25%
Frost Bank
90 Day Certificate of Deposit
A+ 5.0 ★ TX: 2.51%
Min: $0
4.00%
Capital Bank TX
CD and over - 3 Months
A+ 5.0 ★ TX: 0.07%
Min: $0
3.80%
CU Top 5 Credit Union Rates
Advancial Federal Credit Union
Regular, IRA & Business Jumbo Certificates - 5 years
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
First Community Credit Union Houston, TX
5 Year Business CD
A+ 5.0 ★ TX: 3.58%
Min: $5,000
4.70%
Texas Bay Credit Union
Callable CD 60 Months
A+ 5.0 ★ TX: 5.06%
Min: $0
4.50%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Gulf Coast Educators Federal Credit Union
12 Month CD - Jumbo Term Share
A+ 5.0 ★ TX: 3.85%
Min: $100,000
4.01%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Katy, TX CD Rate Trends

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

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

View Full Texas CD Trends
12-Month CD TX Avg
3.376%
▲ 0.021 vs 7 days ago

Texas 12-month CD rates rose 0.021 points over the past 7 days to 3.376% APY.

6-Month CD TX Avg
3.252%
▲ 0.022 vs 7 days ago

Texas 6-month CD rates rose 0.022 points over the past 7 days to 3.252% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

TX CD Rate Forecast, Next 12 Months

Where are Texas CD rates headed through October 2027?

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

TX 12-Month Avg APY
3.376%
6-Month Forecast
3.376%
Range: 3.18%, 3.53%
12-Month Forecast
3.626%
Range: 3.43%, 3.78%

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

Spread model: The Texas 12-month CD average currently trades 1.00% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at TX CD Rates Today

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

CD Term TX Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.496% $124.78 $249.57 $623.93 $1,247.85
6-Month CD 3.252% $162.59 $325.18 $812.95 $1,625.90
12-Month CD 3.376% $168.81 $337.61 $844.03 $1,688.05
18-Month CD 3.260% $163.01 $326.02 $815.05 $1,630.10
24-Month CD 3.217% $160.84 $321.67 $804.18 $1,608.35
36-Month CD 3.136% $156.80 $313.60 $784.00 $1,568.00
48-Month CD 3.038% $151.91 $303.82 $759.55 $1,519.10
60-Month CD 3.081% $154.03 $308.06 $770.15 $1,540.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Katy, Texas Savers

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

Build Your Ladder
Rung Term Deposit TX Avg APY Annual Earnings
1 3-Month CD $5,000 2.496% $124.78
2 6-Month CD $5,000 3.252% $162.59
3 12-Month CD $5,000 3.376% $168.81
4 24-Month CD $5,000 3.217% $160.84
5 36-Month CD $5,000 3.136% $156.80
Total ($25,000 invested) $25,000 3.095% blended $773.82/yr

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

Powered byMonitorBankRates
3,456
CD Rates
Tracked in Katy, Texas
42 Banks 67 Credit Unions

About Our Katy, Texas CD Rate Database

MonitorBankRates tracks 3,456 CD rates from 42 banks and 67 credit unions with locations in Katy, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

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

How to Find the Best CD Rates in Katy, Texas

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

To find the best APYs in Katy, Texas, start with credit unions and online-only banks: Katy, Texas has 67 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 Katy, 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 Katy, Texas: 109 institutions here report CD rates

Consider an Alternative If…

Katy, Texas Financial Snapshot

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

Population 65+
11.1%
National avg: 17.3%
Median Individual Earnings
$55,617
National avg: $47,340
Poverty Rate
8.1%
National avg: 11.1%
Unemployment Rate
7.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$188/yr
At TX 12-mo avg 3.376% APY

11.1% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 7.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s TX 12-month CD average of 3.376%, saving 10% of the local median salary ($5,561/year) and putting it in a CD would earn an additional $188 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 Katy, Texas

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

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

How Certificates of Deposit Work in Katy, Texas

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Katy, Texas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Katy, Texas as everywhere in the U.S.

Choosing a CD Term in Katy, Texas

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Katy, Texas savers easier access to their funds. For example, Capital One Bank is offering its 6 Month 360 CDs at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Katy, Texas Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Katy, Texas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Katy, Texas

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Katy, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Katy, Texas

Most CDs carry a fixed rate that is locked for the entire term, protecting a Katy, Texas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Katy, Texas

Are CD rates in Katy, Texas FDIC insured?

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

Here are recent top rates found for this area:
  • Advancial Federal Credit Union: 4.87% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
  • First Community Credit Union Houston, TX: 4.70% APY (5 Year Business CD)
  • Texas Bay Credit Union: 4.50% APY (Callable CD 60 Months)
  • Vio Bank: 4.40% APY (24 Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Capital One Bank: 4.30% APY (12 Month 360 CDs)
  • Amerant Bank: 4.25% APY (6 Month Certificate of Deposit)
  • Gulf Coast Educators Federal Credit Union: 4.01% APY (12 Month CD - Jumbo Term Share)
  • Frost Bank: 4.00% APY (90 Day Certificate of Deposit)
  • Energy Capital Credit Union: 4.00% APY (IRA Certificate - 12 Month)
Rates reflect recent verified offers available in Katy, Texas. Last Updated: October 13, 2026

Katy, Texas CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Katy, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Katy, Texas CD Rates by Term

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

CD Calculators for Katy, Texas

Katy, Texas CD Calculator

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

Katy, Texas CD Ladder

TX CD rates currently range from 2.496% (3-month) to 3.136% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

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

CD vs. High-Yield Savings

Texas’s average 12-month CD is 3.376% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Katy, Texas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Katy, Texas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Katy, Texas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.

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

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

Katy, Texas Rates & Resources

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