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CD Rates Lodi, Texas (TX) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| 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: April 11, 2026

Current Lodi, Texas CD rates include 5Point Credit Union5Point Credit UnionA5.0 ★Texas Ratio: 6.33% offering IRA Share Certificates and Share Certificates 12-Month (Tier 3) at 4.34% APY, Complex Community Federal Credit UnionComplex Community Federal Credit UnionA+5.0 ★Texas Ratio: 3.26% offering 12 Month Jumbo Share Certificates & IRA Share Certificates at 4.24% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58% offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, West Texas Credit UnionWest Texas Credit UnionA+5.0 ★Texas Ratio: 5.61% offering 12 Month CD at 4.10% APY, and Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit UnionA+5.0 ★Texas Ratio: 4.79% offering Jumbo 6-Month Share Certificate at 4.08% APY. CD rates as of April 11, 2026 according to verified data from MonitorBankRates.

Lodi is a smaller community with no bank or credit union branches currently in our database. 496 institutions serving the Texas area are available to Lodi residents, with CD rates as high as 4.34% APY from 5Point Credit Union. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 11, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day Certificate of Deposit
$1,000
3.95%
View
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Momentum Share Certificate Rate 3 Month Special
$1,000
3.92%
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.

Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3-Month Certificate of Deposit
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Consumer Online Banking Only

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 3 Month CD
$500
3.85%
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
View
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 3 mo.
$1,000
3.71%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Online Only

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Liquid Certificate 3 Month
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 Minimum to Earn APY

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Jumbo Certificates of Deposit
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Reach your goals faster and take your money even further.

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 3 Month
$225,000
3.49%
View
▼
Rate3.45%
Min Deposit$225,000
Min Balance—
UpdatedApr 11, 2026
Details

Karnes County National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
3-Month Term
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
90 Day CD
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
3-Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
3 Month CD
$100,000
3.03%
View
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Certificate
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
90 Day Certificates of Deposit (CDs)
$500
2.88%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3-Month CD
$500
2.85%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day CDs
$0
2.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Under $100,000

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Boost Term Share
$500
2.79%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificate of Deposit
$2,500
2.78%
View
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 3-Month
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
3-Month Certificates (INCLUDES IRA)
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
90 Day Jumbo Certificate Account
$50,000
2.25%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

(Consumer Only)

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
90 Day CD
$0
2.01%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
View
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details

HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3 Month Term Share Certificate
$10,000
1.15%
View
▼
Rate1.14%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
View
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificate
$0
1.10%
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Penalties may apply for early withdrawals

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Month Jumbo Share Certificates
$0
1.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
90 Day CD
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
3 Month - Fixed IRA
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
3 Month CD
$500
0.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
90 Day Certificates of Deposit
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Month Share Certificate
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Jumbo 6-Month Share Certificate
$100,000
4.08%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).

Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD Account
$1,000
4.07%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6 Month CAMPUS Share Certificates & IRA Share Certificates
$500
4.03%
View
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 6 Month
$0
4.02%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Independent Retirement Accounts (IRA) 180 Day (6 Months)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6-month Jumbo Share Certificates
$100,000
3.97%
View
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month TEAL Certificate
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Age 0-17

Colonial Savings, F.A.
Institution Rating:
B+4.7 ★Texas Ratio: 19.01%
Special 6-Month CD
$0
3.94%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6-Month Term Share Certificate
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Over $50,000

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6-Month HYC Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 6 Month to 11 Month
$0
3.87%
View
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month IRA Share Certificate
$1,500
3.85%
View
▼
Rate3.80%
Min Deposit$1,500
Min Balance—
UpdatedApr 11, 2026
Details

Minimum $1,500 to open

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
6 Month Certificate
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
6-month Share Certificate
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Limited Time Only

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 6 Month CD
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 6 mo.
$1,000
3.71%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
6 Month Certificate
$100,000
3.68%
View
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Daily Balances of: $100,000 and over

Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CDs or More
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$100,000

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6-Month Jr Jumbo Share CD
$0
3.63%
View
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6 Month Share Certificate
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Month Share Certificates
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
180 Day CD
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 6 Mo. Jumbo
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
Super Jumbo Certificate 6-Month
$100,000
3.45%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
6 mo. Certificate
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

American State Bank (TX)
Institution Rating:
A-4.9 ★Texas Ratio: 16.23%
6-month Jumbo CD
$0
3.41%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA CD 6 mo.
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

($10,000 Min)

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Month CD
$99,000
3.39%
View
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 6 Month
$100
3.38%
View
▼
Rate3.32%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
6 month Share Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
Time Share Deposit Accounts 6 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
6-Month Certificates (INCLUDES IRA)
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
6 Month Certificate
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
6 Month Certificate
$1,000
3.19%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
View
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month IRA Certificate
$0
3.15%
View
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Month Jumbo Certificate
$50,000
3.11%
View
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposits 6 Month
$500
3.10%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
6-Month Certificates
$0
3.05%
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 180 Day CD
$250,000
3.02%
View
▼
Rate3.00%
Min Deposit$250,000
Min Balance—
UpdatedApr 11, 2026
Details

Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6 mo Share Certificates
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
6 month Priority Plus Term Share Certificate
$2,500
2.97%
View
▼
Rate2.95%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
180 Day Certificates of Deposit (CDs)
$500
2.88%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 month CD
$0
2.86%
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6-Month CD
$500
2.85%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Mini CDs 6 Month
$50,000
2.62%
View
▼
Rate2.60%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12 Month Jumbo Share Certificates & IRA Share Certificates
$90,000
4.24%
View
▼
Rate4.15%
Min Deposit$90,000
Min Balance—
UpdatedApr 11, 2026
Details

West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
12 Month CD
$0
4.10%
View
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share Certificates & Business Share Certificates 1 year
$0
4.05%
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$100,000+

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 12 Month
$100,000
4.02%
View
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1-YEAR CD
$1,000
4.00%
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 12 Month Certificate
$0
3.97%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12 Month CD
$100
3.95%
View
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1 Year Puppy Pak Term Share Certificates
$100
3.92%
View
▼
Rate3.85%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$10,000 - $49,999.99

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Independent Retirement Accounts (IRA) 365 Day (1 Year)
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 Month Certificate
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 12 Month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1 Year Boost Advantage CD Saver
$50
3.82%
View
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Limited time offer. Only available in our branches.

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
12-Month Term Share Certificate
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Over $50,000

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month Certificate
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 12 mo.
$1,000
3.71%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
12 Month Certificate of Deposit
$1,000
3.70%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
12-month IRA Certificates of Deposit
$0
3.67%
View
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1 Year Share Certificate
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Youth/Young Adult 12-Month Certificate*
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1 Year Share Certificates (CDs)
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1 Year CD Fixed Rate
$95,000
3.60%
View
▼
Rate3.55%
Min Deposit$95,000
Min Balance—
UpdatedApr 11, 2026
Details

BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Share Certificates 1 Year
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
12 Month Certificate
$1,000
3.55%
View
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
1-Year Certificates (INCLUDES IRA)
$0
3.54%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 12 month
$0
3.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA's 12 Month
$500
3.50%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1 Year Share Certificate
$0
3.49%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

As High As

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
12 Month Certificate
$1,000
3.44%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1 year Certificates
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
12 Month CD
$99,000
3.39%
View
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
12 Month CD
$500
3.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 12 Month
$100
3.34%
View
▼
Rate3.29%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA Certificates 1 year
$1,000
3.30%
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
IRA - 1 Year
$0
3.28%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Month Jumbo Certificate
$50,000
3.26%
View
▼
Rate3.22%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 12-Month
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
1 Year Certificate
$500
3.24%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Daily Balances of: $500 - $99,999.99

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
12-month Certificate
$10,000
3.20%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

First United Bank Dimmitt, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular Certificates of Deposit 1 Year
$1,000
3.15%
View
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

The MINT National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
12 Month CD
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
12 Month CDs
$0
3.09%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1 Year Share Certificates
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
12-Month Share/IRA Certificate
$1,000
3.03%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
Super Jumbo Certificate 12-Month
$100,000
3.00%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
12 Month Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 and over

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 Month Term Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$1,000.00 & over

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Certificate
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 18 mo.
$1,000
3.71%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month IRA Certificate
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 Minimum to Earn APY

Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
18-month CD Rate
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
18 Month Certificate
$1,000
3.65%
View
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Regular Certificate 18 Month
$75,000
3.60%
View
▼
Rate3.54%
Min Deposit$75,000
Min Balance—
UpdatedApr 11, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Month Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
18 month Share Certificate
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
View
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Consumer Certificates and IRA Certificates
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18-month Regular Share Certificates
$1,000
3.40%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
18 Month CD
$100,000
3.39%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
18 Month CD
$500
3.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
18 Month Certificate
$1,000
3.34%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 Month Certificate
$0
3.30%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
CD - Term Share 18 month
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificates
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 month Term Share Certificate
$1,000
3.24%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
Share & IRA Certificates - 18 Month
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month CD
$99,000
3.19%
View
▼
Rate3.15%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month Jumbo Certificate
$50,000
3.11%
View
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Regular and IRA Certificate 18-Month Term Share Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
18 Month CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
IRA - 18 Month
$0
3.02%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 18-Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
18 Month Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 18 Month
$225,000
2.98%
View
▼
Rate2.95%
Min Deposit$225,000
Min Balance—
UpdatedApr 11, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Share Certificate
$0
2.96%
View
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
18 Month CDs
$0
2.93%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Month Fixed Rate CDS
$500
2.75%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA Time Share Deposit Account 18 Month
$0
2.58%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
18 Month CD
$1,000
2.43%
View
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
18 Month - Fixed IRA
$0
2.42%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
View
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
18-Month Share/IRA Certificate
$1,000
2.37%
View
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Certificate of Deposit
$2,500
2.25%
View
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 month CD
$0
2.16%
View
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA - 18 Month Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 18 Month
$0
1.95%
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texas National Bank of Jacksonville
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Fixed Rate Certificates
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Lytle State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 18 Month CD
$500
1.51%
View
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA 18 Month Fixed Rate
$1,000
1.36%
View
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
IRA CDs 18 Month Variable IRA
$0
1.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
18 Month Term Share Certificates and IRA Term Share Certificates
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Month Share Certificate
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Brentwood Baptist Church Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 71.96%
18 month Share Certificate (CD)
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 and over

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (2 year)
$0
4.02%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2 Year Term Share Certificates
$1,000
3.92%
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2-YEAR CD
$1,000
3.90%
View
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 24 Month Certificate
$0
3.87%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
2 YEAR CERTIFICATE
$0
3.82%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
2-year CD Rate
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 mo. Share Certificate
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month IRA Certificates of Deposit
$0
3.74%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 24 mo.
$1,000
3.71%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
24 Month IRA Share Certificate
$1,500
3.70%
View
▼
Rate3.65%
Min Deposit$1,500
Min Balance—
UpdatedApr 11, 2026
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 24 Month CD
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
24 Month Members Advantage Share Certificates & IRA Share Certificates
$500
3.61%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
24 Month CD/Share Certificate
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
View
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Boost Term Share
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
24 Month CD
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
2-Year Certificates (INCLUDES IRA)
$0
3.54%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
24 Month Jumbo CD Special
$100,000
3.53%
View
▼
Rate3.47%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month IRA Certificate
$0
3.51%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
24 month Share Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 Year Share Certificate
$0
3.49%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
24 Month Certificate
$1,000
3.45%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Special Certificate 24 Month
$5,000
3.42%
View
▼
Rate3.36%
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details

Special Conditions: New Deposits Only - No Internal Transfers - Limited Time

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 24 Month Step-Up
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2 year Priority Plus IRA Term Share Certificate
$1,000
3.39%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 24-month Tier Jumbo
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
2 Year CD
$100,000
3.34%
View
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
24 Month CD
$500
3.30%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1 1/2 Year CD
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24 Month CD
$99,000
3.24%
View
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
2 Year Certificate
$100,000
3.19%
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Daily Balances of: $100,000 and over

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24-Month Term Share Certificate
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Over $50,000

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 MONTH CD
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
24 Month Certificate
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
24 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
IRA Term Share Certificate 24 Month
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
24 month Certificates of Deposits
$1,000
3.03%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 24-Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
24 Month Share Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 24 month
$0
2.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
24 Month Term Share and IRA Certificates
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24 Month Share Certificate
$1,000
2.88%
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
2 year CD and IRA
$500
2.83%
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
IRA - 2 Year
$0
2.77%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (2 year) 3 year
$250,001
3.97%
View
▼
Rate3.90%
Min Deposit$250,001
Min Balance—
UpdatedApr 11, 2026
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 YEAR CERTIFICATE
$0
3.92%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3 Year Term Share Certificates
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3-year CD Rate
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 Month IRA Term Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month IRA Certificates of Deposit
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.70%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 36 Month CD
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
View
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 Month Certificate
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 Minimum to Earn APY

Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
36 month term Certificates of Deposit and IRA** Certificates of Deposit
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Interest paid monthly

TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
36 Month Jumbo CD Special
$100,000
3.55%
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
36 Month IRA Share Certificate
$1,500
3.50%
View
▼
Rate3.45%
Min Deposit$1,500
Min Balance—
UpdatedApr 11, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Year IRA Certificate
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
36 Month Certificate
$1,000
3.40%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36-Month Bump IRA Certificates
$500
3.35%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Special Certificate 36 Month
$5,000
3.32%
View
▼
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details

Special Conditions: New Deposits Only - No Internal Transfers - Limited Time

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
3-Year Certificates (INCLUDES IRA)
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Month Share Certificates
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36 Month CD
$99,000
3.24%
View
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
36 Month Certificate
$0
3.11%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Starting at $10,000+

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
36 Month Certificate
$1,000
3.08%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3 year Priority Plus IRA Term Share Certificate
$1,000
3.08%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
36 month CD
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Month Share Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
36 month Certificates of Deposits
$1,000
3.03%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 36 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36-Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
36 Month Certificate
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36 Month Jumbo Certificate
$50,000
2.85%
View
▼
Rate2.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 36-month Tier Mini Jumbo
$0
2.80%
View
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA Time Share Deposit Account 3 Year
$0
2.79%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Year CD
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 month CD
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
3 Year CD
$1,000
2.73%
View
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
36 Month Certificate
$0
2.69%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
36 Month CD
$0
2.58%
View
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
36 Month Term Share and IRA Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Year Certificate
$100,000
2.52%
View
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Daily Balances of: $100,000 and over

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 36 month
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term
$0
2.49%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
36 Month CD
$1,000
2.47%
View
▼
Rate2.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 36 Month
$0
2.45%
View
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
4 Year Term Share Certificates
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month Term Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$1,000.00 & over

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
48 Month Certificates
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
48 Month Certificate of Deposit
$1,000
3.65%
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
View
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Certificate
$1,000
3.55%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
48 month Share Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4 Year Boost Term Share
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
4 Year IRA Certificate
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
48 Month Certificate
$1,000
3.35%
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48 Month CD
$99,000
3.29%
View
▼
Rate3.25%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificates
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
48 Month Certificate
$0
3.16%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Starting at $10,000+

Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 48 Month
$100
3.10%
View
▼
Rate3.05%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
48 Month Certificate
$1,000
3.03%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 48-Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
48 Month Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-Month Term Share Certificate
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Over $50,000

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4 year Priority Plus IRA Term Share Certificate
$1,000
2.88%
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 48-month Tier Jumbo
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 month CD
$0
2.79%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
48 Month CD Special
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
4 Year CD
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
48 Month CD
$1,000
2.63%
View
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
48 Month Certificate
$0
2.58%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 48 Month
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
48 Month Term Share and IRA Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
CD - Term Share 4 year
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
4 Year Term IRA Certificates
$0
2.45%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month Share Certificate
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 48 Month CD
$250,000
2.27%
View
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedApr 11, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4-Year Certificate of Deposit (CD)
$0
2.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
IRA Education Certificate 48-Month
$500
2.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
48 Month - Fixed IRA
$0
1.91%
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-month certificate
$10,000
1.88%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Balance Over $10,000

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
48 Month Certificate Account
$500
1.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

(Consumer or Business)

La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Month Share Certificate
$0
1.61%
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
4 Year Certificates of Deposit
$0
1.41%
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Germania Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month Certificate of Deposit
$500
1.31%
View
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
48 Month Certificate
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Round Top State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificates of Deposit (CDs)
$1,000
1.25%
View
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 and over

Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
Business Savings Certificate 60 Month Value
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
5 Year Term Share Certificates
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
5-year CD Rate
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.80%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
View
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 60-Month (Tier 3)
$0
3.76%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 60 Month
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Mini-Jumbo Share Certificate/IRA 5 Year
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 60 Month CD
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
60 Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
5 Year Boost Term Share
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 88 / 60 Month - Int. Monthly
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
60-Month HYC Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
60-Month IRA Certificates
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
60 Month Certificate
$1,000
3.35%
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month CD
$99,000
3.34%
View
▼
Rate3.30%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
5 Year IRA Certificate
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Share Certificates
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 60 Month
$100
3.23%
View
▼
Rate3.17%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
60 Month Certificate
$0
3.22%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Starting at $10,000+

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
60 Month CD
$500
3.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 60 Month
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
5 Year CD
$100,000
3.14%
View
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month IRA Special
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
60 Month Certificate
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
60 Month Certificate
$1,000
3.03%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
60-Month Certificates
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
5 Year Fixed Rate CDS
$500
2.95%
View
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-Month Term Share Certificate
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Over $50,000

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 month CD
$0
2.84%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Postel Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
5 Year Certificate of Deposit
$0
2.79%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
60 Month CD
$1,000
2.63%
View
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5 Year Term IRA Certificates
$0
2.55%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
60 Month Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
5 Year CD
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Basin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
60 month Certificate of Deposit (CD)
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Share Certificate
$0
2.48%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 5 Year
$225,000
2.32%
View
▼
Rate2.30%
Min Deposit$225,000
Min Balance—
UpdatedApr 11, 2026
Details

NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 60 Month CD
$250,000
2.27%
View
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedApr 11, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-month certificate
$10,000
2.13%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Balance Over $10,000

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5-Year Certificate of Deposit (CD)
$0
2.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Month Jumbo Certificate
$50,000
2.04%
View
▼
Rate2.02%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60-Month Certificate
$500
2.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
60 Month - Fixed IRA
$0
1.91%
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Month Share Certificate
$0
1.81%
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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.

Lodi, TX CD Rate Trends

Compare local Lodi, 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
3.325%
▼ 0.024 vs 7 days ago

Texas 12-month CD rates fell 0.024 points over the past 7 days to 3.325% APY.

6-Month CD — TX Avg
3.326%
▼ 0.241 vs 7 days ago

Texas 6-month CD rates fell 0.241 points over the past 7 days to 3.326% APY.

As of Apr 11, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Lodi, Texas

Are CD rates in Lodi, Texas FDIC insured?

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

Here are recent top rates found for this area:
  • 5Point Credit Union: 4.34% APY (IRA Share Certificates and Share Certificates 12-Month (Tier 3))
  • Complex Community Federal Credit Union: 4.24% APY (12 Month Jumbo Share Certificates & IRA Share Certificates)
  • Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
  • West Texas Credit Union: 4.10% APY (12 Month CD)
  • Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
  • Freedom Bank Alamo, TX: 4.07% APY (6-Month IRA CD Account)
  • FIRSTLIGHT: 4.05% APY (IRA/Share Certificates & Business Share Certificates 1 year)
  • Alpine Community Credit Union: 4.05% APY (Business Savings Certificate 60 Month Value)
  • Citizens National Bank of Texas: 4.04% APY (6 month CDs)
  • Nizari Progressive Federal Credit Union: 4.02% APY (IRA Share Certificate 12 Month)
Rates reflect recent verified offers available in Lodi, Texas. Last Updated: April 11, 2026

CD Calculators

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Methodology & Data Sources

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

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Lodi, 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: April 11, 2026

Lodi, Texas Rates & Resources

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