Texas CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Texas CD rates include A+ Federal Credit UnionA+ Federal Credit Union1402 W Stassney LN, Austin, TX 78745 2948A-5.0 ★Texas Ratio: 12.83%Real return: +2.20%APY minus CPI (February 2026) offering StartUP Share Certificate 12 Months at 5.00% APY, 4U Federal Credit Union4U Federal Credit Union1312 Lawrence St, Gainesville, TX 76240A+5.0 ★Texas Ratio: 0.98%Real return: +1.72%APY minus CPI (February 2026) offering 6-Month CD at 4.52% APY, 5Point Credit Union5Point Credit Union3700 Skyline Dr, Nederland, TX 77627 8303A5.0 ★Texas Ratio: 5.94%Real return: +1.54%APY minus CPI (February 2026) offering IRA Share Certificates and Share Certificates 12-Month (Tier 3) at 4.34% APY, ADVANCIALADVANCIAL10000 N Central Expy Ste 1400, Dallas, TX 75231 2319A+5.0 ★Texas Ratio: 9.94%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificates at 4.34% APY, and Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX 77034A5.0 ★Texas Ratio: 7.72%Real return: +1.53%APY minus CPI (February 2026) offering Callable CD 24 Months at 4.33% APY. CD rates as of June 1, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Texas side-by-side. Texas CD rates currently reach as high as 5.00% APY from A+ Federal Credit Union at 1402 W Stassney LN, Austin, TX 78745 2948. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 1, 2026
Compare Best CD Rates in Texas
Texas 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
3-Month HYRC Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate Rate 3 Month
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
90 Day Certificate Of Deposit (CD)
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
3-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Daily Balances of: $100,000 and over
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 3 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
3-Month Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Regular
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
IRA Certificates 3-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day
$500,000
3.55%
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedMay 21, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Reach your goals faster and take your money even further.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Daily Balances of: $500 - $99,999.99
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1002 S Abe St, San Angelo, TX 76903 7240
3 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
3-Month Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Karnes County National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
311 E Calvert Ave, Karnes City, TX 78118
Jumbo CD 3-Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 3 Mo.
$0
3.42%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 60 Days
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
3 Months CD
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
3 Months IRA
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 3 Mo.
$0
3.31%
▼
Rate3.27%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 60 Days
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day
$100,000
3.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
3 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
90 Day CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate 3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Texas Heritage National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
107 Webb St, Daingerfield, TX 75638
90 Days Certificates of Deposit
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Fixed Rate Certificates 3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
8384 N Belt Line Rd, Irving, TX 75063 6006
3-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 3 Mo.
$0
3.21%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 60 Days
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
Business CD 3 month
$5,000
3.15%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 31, 2026
Details
$1,000,000.00+
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 3 Mo.
$0
3.11%
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 60 Days
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
Business CD 3 month
$5,000
3.05%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 31, 2026
Details
$250,000.00 - $999,999.99
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
90 Day CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
3 Month Share Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
Share Certificates: or Greater 3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000.00
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
3 Month CD
$100
3.00%
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
3 Month Traditional/Roth IRA
$100
3.00%
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
3 Months Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 3 Months
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Personal Certificate of Deposit (CD) 3 Months
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 3 Months
$0
2.97%
▼
Rate2.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 3 Mo.
$0
2.95%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 60 Days
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
Business CD 3 month
$5,000
2.95%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 31, 2026
Details
$100,000.00 - $249,999.99
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
Business CD 3 month
$5,000
2.85%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 31, 2026
Details
MIN BALANCE - $99,999.99
Texas 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
4U Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1312 Lawrence St, Gainesville, TX 76240
6-Month CD
$1,000
4.52%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
.70% APY bump to our regular rate
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
9993 Kenworthy St, El Paso, TX 79924
Special 6-Month Share Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 6-Month (Tier 2)
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
533 N Alamo Rd, Alamo, TX 78516
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
*$1,000 Minimum
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
6 Month CD
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Branch
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 N Elm St, Waxahachie, TX 75165
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
6 Months Share Certificate
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Minor Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Accounts (IRA) 180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
180 Day Certificate Of Deposit (CD)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2501 S State Highway 121 Business, Lewisville, TX 75067
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Share Certificates 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Business Share Certificates Regular Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Minor Share Certificates 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Business Share Certificates Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 6-Month (Tier 1)
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
8384 N Belt Line Rd, Irving, TX 75063 6006
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
6-Month HYRC Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
6-month Jumbo
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
6-month Jumbo Share Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
6-Month TEAL Certificate
$250
3.95%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 22, 2026
Details
For Kids and Teams; TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
6 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
6 Month TEAL Certificate (Age 0-17)
$250
3.95%
▼
Rate3.88%
Min Deposit$250
Min Balance—
UpdatedMay 22, 2026
Details
Colonial Savings, F.A.
Institution Rating:
B+4.7 ★Texas Ratio: 19.01%
2626d West Freeway, Fort Worth, TX 76102
6-Month CD
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Special 3.94% APY 6-Month CD!
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 30, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.84%
2633 Rodd Field Rd, Corpus Christi, TX 78414 3145
6 Months Term Share Accounts(C.D.'S)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
6 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
6 mos. Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
6 mos. IRA Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
6 mos. Roth IRA Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
2301 RICHMOND RD, TEXARKANA, TX 75503
6 month Share Certificates
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
2301 RICHMOND RD, TEXARKANA, TX 75503
6 months Share Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 30, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Certificates 6 Month
$75,000
3.85%
▼
Rate3.78%
Min Deposit$75,000
Min Balance—
UpdatedMay 20, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1408 W Pioneer Dr, Irving, TX 75061
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
to open
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
6 Month IRA Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8840 Gazelle Dr, El Paso, TX 79925
6 Month Boost Term Share
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
180 Days Term Share Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
not available for IRAs
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
6 month term Certificates of Deposit and IRA Certificates of Deposit
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Interest paid monthly
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
613 Main St, Teague, TX 75860 1627
6 mos. Share Certificate Rate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
111 E Travis St, La Grange, TX 78945
6 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Texas Heritage National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
107 Webb St, Daingerfield, TX 75638
180 Days Certificates of Deposit
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Texas 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
StartUP Share Certificate 12 Months
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 12-Month (Tier 2)
$0
4.24%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3100 Sunburst Dr, Midland, TX 79707
12 Months Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 12-Month (Tier 1)
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
1306 N Logan St, Texas City, TX 77590 5046
Share Term Certificate 12 Months
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
613 Main St, Teague, TX 75860 1627
12 mos. Share Certificate Rate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
12 Months Share Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 30, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
12-month Jumbo Share Certificates
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2601 Network Blvd, Frisco, TX 75034
12 Month Certificate
$0
4.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
9993 Kenworthy St, El Paso, TX 79924
1 Year Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
$25,000- $99,999
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
12 mos. Roth IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
12 mos. Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.84%
2633 Rodd Field Rd, Corpus Christi, TX 78414 3145
12 Months Term Share Accounts(C.D.'S)
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Texas Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1212 Turtle Creek Blvd, Dallas, TX 75207
High Yield CD 12 Months
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Annual Percentage Yield (APY) is accurate as of 3-23-2026. The terms of the CDs are as follows: 12 months to earn 4.00% APY when you open a new CD with $10,000 or more in new money. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
12 mos. IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Share Certificates 12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Business Share Certificates Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Business Share Certificates Regular Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
IRA Certificates 1 Year
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
1 Year IRA Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Branch
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$50,000
3.97%
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
UpdatedMay 30, 2026
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX 76389
1 Year Super IRA
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Dividend Paid Monthly on Last Day of Month
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX 76389
1 Year Super Jumbo
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
IRA / 12 Month Certificate
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
517 W I 30, Garland, TX 75043
High-Rate Jumbo 12-Month CD
$100,000
3.95%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only. This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. **Call for rates and APY on additional minimum balances.
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
Standard CDs1,4 12 month
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
12 month Promotional Online CD
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
12-Month HYRC Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
Premium Term Share Certificate 12 month
$100
3.91%
▼
Rate3.85%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CDs 12 Months
$5,000
3.90%
▼
Rate3.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3775 Stagg Dr, Beaumont, TX 77701
12 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Space City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
3101 Harrisburg Blvd, Houston, TX 77003
Certificate of Deposit IRA & Regular 1 Year
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Jumbo > $50k
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
12 Month CD (also IRA)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Accounts (IRA) 365 Day (1 Year)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
12 Months
$0
3.88%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
12 Month Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
12 Month IRA Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 12 MONTHS
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Member Preferred Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
340 S Blue Mound Rd Ste 342, Fort Worth, TX 76131 1051
12 MONTHS Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
1 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Texas 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX 77375 3295
18 Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
NEW MONEY Certificate of Deposit Special!
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3100 Sunburst Dr, Midland, TX 79707
18 Months Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 E Crosby Rd, Carrollton, TX 75006 7260
18 Month Term Share Certificate
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 18 Months
$50,000
4.07%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
1199 Pasadena Blvd, Pasadena, TX 77501
18-Month Certificate Special
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Special rate available with funds new to Essential.
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
1199 Pasadena Blvd, Pasadena, TX 77501
18-month Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
18 Months Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 18 Months
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
Premium Term Share Certificate 18 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
18-Month Term Share Certificate
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
Term Share Certificate 18-month
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000.00 & over
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18 mo.
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
18 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
18 mos. Roth IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
18 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
18 mos. Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
920 1st St, La Marque, TX 77568
Term Share Certificates 18 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18 mo. Share Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CDs 18 Months
$5,000
3.75%
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Personal IRA Certificates 18 Months
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Personal Certificate of Deposit (CD) 18 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 18 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
18 Months Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5910 N MacArthur Blvd Ste 140, Irving, TX 75039 6108
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
New money only; Alero Financial membership required
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
Share Certificates: or Greater 18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
18 Month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 18 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$100
3.70%
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month Traditional/Roth IRA
$100
3.70%
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
18 Month IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
18 Months Term Share Certificates/Certificates of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit 18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
18 Months CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
18-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
18 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18 mo. Share Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
18 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
Promotional Certificate of Deposit 18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX 78521
Roth IRA Certificates 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX 78521
IRA Certificates 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Texas 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
Callable CD 24 Months
$50,000
4.33%
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX 75703 0551
Kidicate Share Certificate (24 Months)
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100 Min/$100,000 Max
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 2 Years
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
IRA / 24 Month Certificate
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
24-Month HYRC Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 64 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
24 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
24 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
24 mo. Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 1 to 2 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
24 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000.00 & over
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
24 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 1 to 2 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
2 Year Term IRA Certificate of Deposit
$100,000
3.75%
▼
Rate3.68%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
920 1st St, La Marque, TX 77568
Term Share Certificates 24 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX 77619
Regular & IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 13.81%
1010 S SOUTHEAST LOOP 323, TYLER, TX 75701 3700
24 Months Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 24 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
24 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
24 Month Share Certificate
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
Share Certificates: or Greater 24 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000.00
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 24 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
2 Year IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
24 Months Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 24 Months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Personal Certificate of Deposit (CD) 24 Months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
24 mo. Share Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1408 W Pioneer Dr, Irving, TX 75061
24 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Minimum $20,000 to open
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1408 W Pioneer Dr, Irving, TX 75061
24 Month IRA Share Certificate
$1,500
3.70%
▼
Rate3.65%
Min Deposit$1,500
Min Balance—
UpdatedMay 30, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
24 Months Term Share Certificates/Certificates of Deposit
$95,000
3.70%
▼
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
Texas 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
36 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000.00 & over
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 2 to 3 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36 mo. Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
36 Month Certificate
$100,000
3.77%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedJun 1, 2026
Details
Starting at $100,000
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Step Up Share Certificates 3 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX 77375 3295
36 MONTHS Certificate of Deposit
$2,500
3.75%
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMay 31, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
Business CD 3 Year
$5,000
3.75%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 31, 2026
Details
MIN BALANCE - $99,999.99
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 2 to 3 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
36 Months Share Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
36-Month HYRC Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
Certificates of Deposit Regular 36 Months
$500
3.70%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36 mo. Share Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
36 Month Certificate
$75,000
3.67%
▼
Rate3.65%
Min Deposit$75,000
Min Balance—
UpdatedJun 1, 2026
Details
Starting at $75,000
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Mini-Jumbo Share Certificate/IRA 3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
36 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 36 Mo.
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 240 Days
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 36 Months
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Personal Certificate of Deposit (CD) 36 Months
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
36 Months Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 36 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
IRA Certificate 36 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 36-Month (Tier 2)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit 36 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
Texas 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
Certificates of Deposit Regular 48 Months
$500
3.80%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000.00 & over
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 3 to 4 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo. Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 4 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Step Up Share Certificates 4 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 3 to 4 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 48 Mo.
$0
3.72%
▼
Rate3.66%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 300 Days
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 48 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Certificates 48 Month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Fixed Rate Certificates 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo. Share Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Mini-Jumbo Share Certificate/IRA 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
48 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 48 Mo.
$0
3.61%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 300 Days
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
48 Months Term Share Certificates/Certificates of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit 48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 48 Month to 59 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
Business CD 4 Year
$5,000
3.60%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 31, 2026
Details
$1,000,000.00+
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo. Share Certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX 78501
48 Months TERM IRA SHARE CERTIFICATES
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX 78501
TERM SHARE CERTIFICATES 48 Months
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX 75215 1837
IRA Certificate 48 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
4 Year Share Certificate/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Share Certificate/IRA 4 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificates 48 month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
48 month Share Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
Share Certificates: or Greater 48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
48 Month Share Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
CD and IRA CDs 48 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
48 Months CD and IRA CDs
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 4 Years
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 48 Mo.
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 300 Days
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX 75503
48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
Business CD 4 Year
$5,000
3.50%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 31, 2026
Details
$250,000.00 - $999,999.99
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 13.81%
1010 S SOUTHEAST LOOP 323, TYLER, TX 75701 3700
48 Months Share Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
48 mos. Roth IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
48 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX 77571
48 mos. Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificates 67 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 87 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Texas 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Jumbo, 5 Year Term Certificates
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
Callable CD 60 Months
$50,000
4.13%
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
111 N 2nd St, Alpine, TX 79830
IRA Certificate 60 Month
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$500 Minimum
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
Share Certificates (Including IRA Certificates) 60 Months
$50,000
3.92%
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
5 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
5 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 60 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60 mo. Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 4 to 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
60 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000.00 & over
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 60-Month (Tier 3)
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 5 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Step Up Share Certificates 5 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 60 Mo.
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 360 Days
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
60 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
Business CD 5 Year
$5,000
3.75%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 31, 2026
Details
$1,000,000.00+
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 13.81%
1010 S SOUTHEAST LOOP 323, TYLER, TX 75701 3700
60 Months Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60 mo. Share Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates and IRA Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 5 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Investment Certificate 4 to 5 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
60 Months Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business Certificate of Deposit (CD) 60 Months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Personal Certificate of Deposit (CD) 60 Months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Personal IRA Certificates 60 Months
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Fixed Rate Certificates 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
60 Months Term Share Certificates/Certificates of Deposit
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit 60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
JUMBO $95,000+
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Mini-Jumbo Share Certificate/IRA 5 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX 76227
Term Share (Certificate) / IRA 60 Mo.
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 360 Days
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Texas CD Rate Trends
Compare local Texas CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — TX Avg
3.212%
▼ 0.004 vs 7 days ago
Texas 12-month CD rates fell 0.004 points over the past 7 days to 3.212% APY.
6-Month CD — TX Avg
3.052%
Unchanged vs 7 days ago
Texas 6-month CD rates currently average 3.052% APY based on data from institutions in our monitoring network.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
3.212%
6-Month Forecast
3.212%
Range: 3.01% – 3.36%
12-Month Forecast
2.962%
Range: 2.76% – 3.11%
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 | 2.819% | $140.95 | $281.89 | $704.73 | $1,409.45 |
| 6-Month CD | 3.052% | $152.59 | $305.17 | $762.93 | $1,525.85 |
| 12-Month CD | 3.212% | $160.59 | $321.18 | $802.95 | $1,605.90 |
| 18-Month CD | 3.030% | $151.48 | $302.95 | $757.38 | $1,514.75 |
| 24-Month CD | 3.062% | $153.08 | $306.15 | $765.38 | $1,530.75 |
| 36-Month CD | 3.081% | $154.07 | $308.14 | $770.35 | $1,540.70 |
| 48-Month CD | 3.030% | $151.50 | $303.00 | $757.50 | $1,515.00 |
| 60-Month CD | 3.122% | $156.12 | $312.24 | $780.60 | $1,561.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 2026. | |||||
Sample CD Ladder for Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.819% | $140.95 |
| 2 | 6-Month CD | $5,000 | 3.052% | $152.59 |
| 3 | 12-Month CD | $5,000 | 3.212% | $160.59 |
| 4 | 24-Month CD | $5,000 | 3.062% | $153.08 |
| 5 | 36-Month CD | $5,000 | 3.081% | $154.07 |
| Total ($25,000 invested) | $25,000 | 3.045% blended | $761.28/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,716
CD Rates
Tracked in Texas
Tracked in Texas
27 Banks
94 Credit Unions
About Our Texas CD Rate Database
MonitorBankRates tracks 1,716 CD rates from 27 banks and 94 credit unions with locations in Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: A+ Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Texas.
How to Find the Best CD Rates in Texas
What to compare when shopping for a CD in Texas
To find the best APYs in Texas, start with credit unions and online-only banks — Texas has 94 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 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 Texas — 121 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Texas money market rates
Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$44,072
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$142/yr
At TX 12-mo avg 3.212% APY
13.4% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 3.212%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $142 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 Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in 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 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 Texas as everywhere in the U.S.
Choosing a CD Term in 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 Texas savers easier access to their funds. For example, 4U Federal Credit Union is offering its 6-Month CD at 4.52% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Jumbo, 5 Year Term Certificates at 4.34% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for 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 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 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 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 Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 Texas
Are CD rates in Texas FDIC insured?
Yes, most established banks in 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 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 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 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 Texas?
Here are recent top rates found for this area:
- A+ Federal Credit Union: 5.00% APY (StartUP Share Certificate 12 Months)
- 4U Federal Credit Union: 4.52% APY (6-Month CD)
- 5Point Credit Union: 4.34% APY (IRA Share Certificates and Share Certificates 12-Month (Tier 3))
- ADVANCIAL: 4.34% APY (Jumbo, 5 Year Term Certificates)
- Texas Bay Credit Union: 4.33% APY (Callable CD 24 Months)
- Members Financial Federal Credit Union: 4.25% APY (18 Months Certificate)
- US Employees Credit Union: 4.25% APY (18 Month CD)
- FIRSTLIGHT: 4.15% APY (Special 6-Month Share Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (5 Year Retirement Share Certificate)
- Kelly Community Federal Credit Union: 4.08% APY (Kidicate Share Certificate (24 Months))
Rates reflect recent verified offers available in Texas. Last Updated: June 1, 2026
CD Calculators for Texas
Texas CD Calculator
At today’s TX top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Texas CD LadderTX CD rates currently range from 2.819% (3-month) to 3.081% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Texas CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 3.212% 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 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 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 Texas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: June 1, 2026
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