Texas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX 77034A5.0 ★Texas Ratio: 7.72%Real return: +1.70%APY minus CPI (February 2026) offering Callable CD 60 Months at 4.50% APY, Gulf Capital BankGulf Capital Bank1 Riverway, Houston, TX 77056A5.0 ★Texas Ratio: 8.95%Real return: +1.69%APY minus CPI (February 2026) offering 36 Months at 4.49% APY, MapleMark BankMapleMark Bank2431 E 61st St, Tulsa, OK 74136A+5.0 ★Texas Ratio: 1.64%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month CD at 4.40% APY, Fort Worth Community Credit UnionFort Worth Community Credit Union1905 Forest Ridge Dr, Bedford, TX 76021 5724A+5.0 ★Texas Ratio: 3.61%Real return: +1.54%APY minus CPI (February 2026) offering 12 Months at 4.34% APY, and 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 Certificate 12-Month (Tier 3) at 4.34% APY. CD rates as of September 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 4.50% APY from Texas Bay Credit Union at 12611 Fuqua St, Houston, TX 77034. 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: September 1, 2026
Compare Best CD Rates in Texas
Texas 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
90 Days
$0
4.13%
▲ 2.17% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.17% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
104 Sundance Pkwy, Round Rock, TX 78681 7922
3-Month Share Certificate
$1,000
4.00%
▲ 2.04% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.04% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (3 months)
$100,001
3.92%
▲ 1.96% above national avg
▼
Rate3.85%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.96% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
90 Day
$1,000
3.90%
▲ 1.94% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.94% above avg
Details
Compounded: ; Credited: At Maturity
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (3 months)
$50,001
3.87%
▲ 1.91% above national avg
▼
Rate3.80%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.91% above avg
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
777 Main St, Fort Worth, TX 76102
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.89% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details
Special Offer. balances under $100k
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (3 months)
$1,000
3.82%
▲ 1.86% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.86% above avg
Details
Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2150 Town Square Pl, Sugar Land, TX 77479
3-Month CD
$0
3.80%
▲ 1.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
90 Day
$0
3.80%
▲ 1.84% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.84% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
3-Month CD
$0
3.75%
▲ 1.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
3-Month Certificate
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$100,000
3.65%
▲ 1.69% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.69% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day
$0
3.60%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day Jumbo CD
$0
3.60%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Jumbo CDs are for $500,000 and over. Annual Percentage Yield effective as of 08/24/2026. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account.
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
90 Day
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
502 Paris St, Castroville, TX 78009
90 Days
$0
3.51%
▲ 1.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
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
3.51%
▲ 1.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Certificate
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 3 Month
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
$95,000
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
3 Month CD
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
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%
▲ 1.49% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.49% above avg
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8201 Preston Rd, Dallas, TX 75225
3-Month CD
$1,000
3.40%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
502 Paris St, Castroville, TX 78009
90 Days
$0
3.40%
▲ 1.44% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$500
3.39%
▲ 1.43% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.43% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day
$0
3.35%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
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%
▲ 1.39% above national avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
A penalty may be imposed for early withdrawal
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%
▲ 1.39% above national avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
A penalty may be imposed for early withdrawal
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
IRA Certificate 3-Month
$0
3.35%
▲ 1.39% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
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
3.35%
▲ 1.39% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
502 Paris St, Castroville, TX 78009
90 Days
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
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 Month Certificate
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Super Jumbo CD - 3 Month
$225,000
3.29%
▲ 1.33% above national avg
▼
Rate3.25%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.33% above avg
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%
▲ 1.33% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.33% above avg
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
3 Month
$0
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 3 Month
$0
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
102 E Main St, Sonora, TX 76950
90 Days
$0
3.25%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Short-term savings made easy. Access your funds quickly while earning interest.
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
111 S Main St, Lockhart, TX 78644
90 Day Certificate of Deposit
$0
3.25%
▲ 1.29% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
3 Month
$0
3.25%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
3 Month CD
$0
3.24%
▲ 1.28% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.28% above avg
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Jumbo CDs 3 Month
$95,000
3.24%
▲ 1.28% above national avg
▼
Rate3.20%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.28% above avg
Details
Charter Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
10502 Leopard St, Corpus Christi, TX 78410
90 day
$0
3.19%
▲ 1.23% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.23% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day
$0
3.05%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.09% above avg
Details
Texas 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificate 6-Month (Tier 3)
$99,000
4.20%
▲ 1.53% above national avg
▼
Rate4.11%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
Share Certificate 6-Month (Tier 3)
$0
4.20%
▲ 1.53% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details
Balance: $99,000.00 or greater
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
300 E King Ave, Kingsville, TX 78363
6 Month CD Offer
$0
4.18%
▲ 1.51% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
6 Months
$0
4.18%
▲ 1.51% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
6 Months
$0
4.18%
▲ 1.51% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
6 Month CD
$0
4.16%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.49% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificate 6-Month (Tier 2)
$0
4.10%
▲ 1.43% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Balance: $50,000.00- $98,999.99
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
Share Certificate 6-Month (Tier 2)
$0
4.10%
▲ 1.43% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Balance: $50,000.00- $98,999.99
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
533 N Alamo Rd, Alamo, TX 78516
6-Month IRA CD
$1,000
4.07%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
APY: Annual Percentage Yield. CD rates based upon in-house rates accurate as of June 22, 2026. A minimum daily balance of $1,000.00 must be maintained for 6-month IRA CD advertised at 4.07% APY. To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.
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
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Age: 0-17
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
4.07%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
For kids and Teens (age 0-17). 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. compounded monthly.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX 75501
6 Month
$0
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$100,001
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
180 Day
$1,000
4.05%
▲ 1.38% above national avg
▼
Rate4.01%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details
Compounded: ; Credited: At Maturity
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
180 Day EZ Saver
$50
4.05%
▲ 1.38% above national avg
▼
Rate4.01%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details
Compounded: ; Credited: At Maturity
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%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.37% above avg
Details
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
6 Month CAMPUS
$500
4.03%
▲ 1.36% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.36% above avg
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
6 Month Members Advantage
$500
4.03%
▲ 1.36% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.36% above avg
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 6 Month
$0
4.02%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details
McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
418 McMurrey Dr, Tyler, TX 75702
6 MONTH HIGH
$100,000
4.02%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$50,001
4.02%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
104 Sundance Pkwy, Round Rock, TX 78681 7922
6-Month Share Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
180 Day
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.33% above avg
Details
Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.84%
2633 Rodd Field Rd, Corpus Christi, TX 78414 3145
Term Share Accounts(C.D.'S) - 6 Months
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
5507 W Wadley Ave, Midland, TX 79707
6 Months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2501 S State Highway 121 Business, Lewisville, TX 75067
6 Month
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
6 Month CD
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
6 Month Traditional/Roth IRA
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
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%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Effective 2/26/26
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificate 6-Month (Tier 1)
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Balance: $1,000.00 - $49,999.99
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
Share Certificate 6-Month (Tier 1)
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Balance: $1,000.00 - $49,999.99
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Business Term Deposit -6 Months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
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
$250
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Term Deposit -6 Months
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
6 Month
$500
3.98%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.31% above avg
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 Certificate
$100,000
3.97%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.30% above avg
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX 75785
6 Month Certificates
$5,000
3.97%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.30% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$1,000
3.97%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.30% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$100,001
3.97%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.30% above avg
Details
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
104 E State Highway 71 Byp, La Grange, TX 78945 4445
6 Month Regular/ IRA
$500
3.95%
▲ 1.28% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CDs - 6 Months
$0
3.95%
▲ 1.28% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$50,001
3.92%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.25% above avg
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
$0
3.92%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.25% above avg
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
Jumbo Term Share Certificate (CD) 6 month
$100,000
3.91%
▲ 1.24% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.24% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
6-Month CD
$0
3.90%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
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%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
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%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$1,000
3.87%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.20% above avg
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
$0
3.87%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.20% above avg
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%
▲ 1.18% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Texas 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
12 Months
$0
4.34%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificate 12-Month (Tier 3)
$99,000
4.34%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
Share Certificate 12-Month (Tier 3)
$0
4.34%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details
Balance: $99,000.00 or greater
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
12 Months
$0
4.28%
▲ 1.45% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.45% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificate 12-Month (Tier 2)
$0
4.24%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details
Balance: $50,000.00 - $98,999.99
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
Share Certificate 12-Month (Tier 2)
$0
4.24%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details
Balance: $50,000.00 - $98,999.99
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
12 Months
$0
4.24%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
1 Year
$90,000
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
12 Month Certificate
$2,000
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
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
$2,000
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD
$0
4.16%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.33% above avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2431 E 61st St, Tulsa, OK 74136
12 Month CD
$0
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
APY as high as
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
FB-Org Certificate of Deposit [CD] 1 year
$1,000
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
12-month Certificate
$1,000
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Minimum to Avoid Service Charge: $0
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
Business 12-Month Term Share Certificate
$1,000
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificate 12-Month (Tier 1)
$0
4.14%
▲ 1.31% above national avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.31% above avg
Details
Balance: $1,000.00 - $49,999.99
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX 77627 8303
Share Certificate 12-Month (Tier 1)
$0
4.14%
▲ 1.31% above national avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.31% above avg
Details
Balance: $1,000.00 - $49,999.99
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
12 Month Members Advantage
$500
4.13%
▲ 1.30% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.30% above avg
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX 75501
12 Month
$0
4.13%
▲ 1.30% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.30% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CDs - 12 Months
$0
4.11%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.28% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
12 Month
$1,000
4.10%
▲ 1.27% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
12 Month EZ Saver
$50
4.10%
▲ 1.27% above national avg
▼
Rate4.04%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Compounded: Quarterly; Credited: Quarterly
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
9993 Kenworthy St, El Paso, TX 79924
1 Year Certificate
$25,000
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
4519 E 51st St, Odessa, TX 79762
12 Month
$500
4.08%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.25% above avg
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
150 E Round Bunch Rd, Bridge City, TX 77611 3720
12 Month
$0
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
1 Year
$25,000
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$250,001
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$250,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Beaumont Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
660 S M L King Jr Pkwy, Beaumont, TX 77701
IRA & Share Certificates - 12 Months
$0
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Under $50,000
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
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. UPDATED 6-16-26 | 10:02 AM CST
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
$0
4.02%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.19% above avg
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 Certificate
$100,000
4.02%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.19% above avg
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 12-month Jumbo
$100,000
4.02%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.19% above avg
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%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.19% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$100,001
4.02%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.19% above avg
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
Jumbo Term Share Certificate (CD) 12 month
$100,000
4.01%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.18% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
12 Month Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
DATCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
919 S Highway 377, AUBREY, TX 76227
IRA Certificate 12 months
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
APY is accurate as of 07/15/2026. A penalty may be imposed for early withdrawal and could reduce earnings on the account.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
3700 Avenue F, Bay City, TX 77414
1-YEAR CD
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
3700 Avenue F, Bay City, TX 77414
TEEN Share Certificate of Deposits 1-YEAR CD
$100
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Age: 13-17
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
12 Month CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
12 Month Traditional/Roth IRA
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 12 Month
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
$95,000
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Business Term Deposit -12 Months
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX 77713
Term Deposit -12 Months
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
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
$0
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.14% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
1 Year
$1,000
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.14% above avg
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%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.14% above avg
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX 76389
1 Year Super
$0
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.14% above avg
Details
Dividend Paid Monthly on Last Day of Month
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$50,001
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.14% above avg
Details
Texas 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.30%
▲ 1.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.62% above avg
Details
APY as high as
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
18 Month
$1,000
4.15%
▲ 1.47% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
Business 18-Month Term Share Certificate
$1,000
4.10%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
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%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.39% above avg
Details
Dividends Compounded Monthly Dividends Credited Monthly Renewal Automatic with 10-day grace period
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
18-month Certificate
$1,000
4.05%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details
Minimum to Avoid Service Charge: $0
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
18 Months Add-On IRA
$0
4.03%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.35% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Super Jumbo Certificate
$225,000
4.01%
▲ 1.33% above national avg
▼
Rate3.95%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.33% above avg
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 - 18 Months Flex Share Certificate Special
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
18 Month Share Certificate
$1,000
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
18 Month Share Certificate
$1,000
3.95%
▲ 1.27% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
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
$50,000
3.95%
▲ 1.27% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Jumbo Certificate
$95,000
3.91%
▲ 1.23% above national avg
▼
Rate3.85%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
Jumbo Term Share Certificate (CD) 18 month
$100,000
3.91%
▲ 1.23% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CDs - 18 Months
$0
3.91%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
18 Month
$1,000
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
18 Month Certificate
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
920 1st St, La Marque, TX 77568
18 Month
$0
3.85%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
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
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 18 Months
$0
3.82%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.14% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
IRA Certificates 18 Month
$100
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Morris Sheppard Texarkana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
419 W 4TH ST, TEXARKANA, TX 75501
18-Month CD
$1,000
3.80%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Share Certificate
$1,000
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX 77505
18 month
$100
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416
18 Month Certificate
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
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%
▲ 1.12% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
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%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
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 - 18 Months
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 18 Months
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
JUMBO
ACFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
6100 W Interstate 40, Amarillo, TX 79106 2515
18 Month No Penalty Certificate
$1,000
3.79%
▲ 1.11% above national avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.11% above avg
Details
No Penalty
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%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.08% above avg
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate 18 month
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416
18 Month Certificate
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
18 months
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Dividends Compounded Credited: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
18 Month Certificate
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
920 1st St, La Marque, TX 77568
18 Month
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
18 Month CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
18 Month Standard IRA CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
Business 18 Month CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
104 E State Highway 71 Byp, La Grange, TX 78945 4445
18 Month Regular/ IRA
$500
3.75%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
18 Month Certificate
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
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 CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
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 - 18 Months
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 18 Months
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
JUMBO $95,000+
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
18-Month CD
$0
3.70%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
102 E Main St, Sonora, TX 76950
18 Months
$0
3.70%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Longer-term planning without locking in for too long. Maximize your interest safely.
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CD - 18 Months
$0
3.70%
▲ 1.02% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
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%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
5640 Democracy Dr, Plano, TX 75024
18-Month Certificate
$0
3.70%
▲ 1.02% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416
18 Month Certificate
$0
3.69%
▲ 1.01% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.01% above avg
Details
Texas 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
24 Months
$0
4.44%
▲ 1.73% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.73% above avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.30%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.59% above avg
Details
APY as high as
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
2 Years
$90,000
4.28%
▲ 1.57% above national avg
▼
Rate4.20%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.57% above avg
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
7915 Fm 1960 Rd W, Houston, TX 77070
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
24 Month
$1,000
4.20%
▲ 1.49% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.49% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
Callable CD 24 Months
$0
4.20%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.49% above avg
Details
Callable CD
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
2 Years
$25,000
4.18%
▲ 1.47% above national avg
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.47% above avg
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
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
2 Years
$1,000
4.07%
▲ 1.36% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.36% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
2 Years
$10,000
4.05%
▲ 1.34% above national avg
▼
Rate3.97%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
Compounded: Daily, Credited: At Maturity
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
$0
4.05%
▲ 1.34% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
24 Months
$0
4.03%
▲ 1.32% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.32% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
2 Year
$0
4.02%
▲ 1.31% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.31% above avg
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
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
1 to 2 Years
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 90 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Business 1 to 2 Years
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
24 Month Certificate
$2,000
3.97%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
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
$2,000
3.97%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$95,000
3.97%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 2 Year
$0
3.92%
▲ 1.21% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.21% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Super Jumbo Certificate
$225,000
3.91%
▲ 1.20% above national avg
▼
Rate3.85%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.20% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CDs - 24 Months
$0
3.91%
▲ 1.20% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.20% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
3700 Avenue F, Bay City, TX 77414
2-YEAR CD
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
3700 Avenue F, Bay City, TX 77414
TEEN Share Certificate of Deposits 2-YEAR CD
$100
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Age: 13-17
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX 75501
24 Month
$0
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$500
3.87%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
IRA Certificates 24 Month
$100
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
920 1st St, La Marque, TX 77568
24 Month
$0
3.85%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
2 Year CD
$100,000
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
24-Month IRA Share CD
$0
3.84%
▲ 1.13% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.13% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
24-Month Jumbo Share CD
$0
3.84%
▲ 1.13% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.13% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$95,000
3.82%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
24 Months
$0
3.82%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
1024 SW Alsbury Blvd, Burleson, TX 76028
2-year CD Rate
$0
3.81%
▲ 1.10% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.10% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Jumbo Certificate
$95,000
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
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
$1,000
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
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%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month CD
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month Traditional/Roth IRA
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
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 - 24 Months
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 24 Months
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
JUMBO
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
24-Month Jr Jumbo Share CD
$0
3.78%
▲ 1.07% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.07% above avg
Details
Morris Sheppard Texarkana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
419 W 4TH ST, TEXARKANA, TX 75501
24-Month CD
$1,000
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
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%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX 77619
24 Month Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
731 N Valley Mills Dr, Waco, TX 76710 4848
24 Month Term Share Certificate
$1,000
3.75%
▲ 1.04% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month IRA Share Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Balance: $500,000.01 or greater
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month Share Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
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%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
920 1st St, La Marque, TX 77568
24 Month
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Texas 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
36 Months
$0
4.49%
▲ 1.84% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.84% above avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2431 E 61st St, Tulsa, OK 74136
36 Month CD
$0
4.40%
▲ 1.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.75% above avg
Details
APY as high as
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
3 Years
$90,000
4.18%
▲ 1.53% above national avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.53% above avg
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX 77590
Business Certificate 36 Months / 3 Years
$0
4.15%
▲ 1.50% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
36 Month
$1,000
4.10%
▲ 1.44% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Compounded: Quarterly; Credited: Quarterly
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
$0
4.10%
▲ 1.44% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
3 Years
$25,000
4.07%
▲ 1.42% above national avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$95,000
4.07%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
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
$0
4.05%
▲ 1.40% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
3 Years
$10,000
4.00%
▲ 1.35% above national avg
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Compounded: Daily, Credited: At Maturity
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX 77590
Business Bump-Up Jumbo and Jumbo Plus Certificates 36 Months
$0
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
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
$0
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
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
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
2 to 3 Years
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Business 2 to 3 Years
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
3 Years
$1,000
3.97%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$500
3.97%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
3 Year
$0
3.97%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Super Jumbo Certificate
$225,000
3.96%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
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
$1,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
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
$50,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$95,000
3.92%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month IRA Share CD
$0
3.92%
▲ 1.27% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month Jumbo Share CD
$0
3.92%
▲ 1.27% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
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
$1,000
3.90%
▲ 1.25% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month Jr Jumbo Share CD
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
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%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 3 Year
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CDs - 36 Months
$0
3.86%
▲ 1.21% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Jumbo Certificate
$95,000
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.85%
▲ 1.20% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Balance: $500,000.01 or greater
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month Share Certificate
$0
3.85%
▲ 1.20% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
3 Year CD
$100,000
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
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%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$500
3.82%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month Share CD
$0
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
1024 SW Alsbury Blvd, Burleson, TX 76028
3-year CD Rate
$0
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
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
$1,000
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
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%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
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
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 36 Months
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
JUMBO
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Step Up Certificates 3 Year
$0
3.76%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.11% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
IRA Certificates 36 Month
$100
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Share Certificate
$1,000
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Balance: $100,000.01 - $500,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month Share Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month IRA
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 36 Month
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
$95,000
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX 77656
36 Months
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Texas 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
4 Years
$90,000
4.18%
▲ 1.52% above national avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.52% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
48 Month
$1,000
4.15%
▲ 1.49% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX 77590
Business Certificate 48 Months / 4 Years
$0
4.15%
▲ 1.49% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
4 Years
$25,000
4.07%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.41% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Super Jumbo Certificate
$225,000
4.01%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX 77590
Business Bump-Up Jumbo and Jumbo Plus Certificates 48 Months
$0
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
3 to 4 Years
$1,000
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Business 3 to 4 Years
$1,000
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
4 Years
$1,000
3.97%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$100,001
3.97%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
4 Year
$0
3.97%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$50,001
3.92%
▲ 1.26% above national avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Jumbo Certificate
$95,000
3.91%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.90%
▲ 1.24% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
Details
Balance: $500,000.01 or greater
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.90%
▲ 1.24% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$1,000
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$100,001
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
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%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 4 Year
$0
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CDs - 48 Months
$0
3.86%
▲ 1.20% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.85%
▲ 1.19% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
Balance: $100,000.01 - $500,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.85%
▲ 1.19% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month IRA
$0
3.85%
▲ 1.19% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
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%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$50,001
3.82%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
IRA Certificates 48 Month
$100
3.80%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Share Certificate
$1,000
3.80%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.80%
▲ 1.14% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
Balance: $50,000.01 - $100,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.80%
▲ 1.14% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
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%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
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 - 48 Months
$0
3.80%
▲ 1.14% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 48 Months
$0
3.80%
▲ 1.14% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
JUMBO
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$1,000
3.76%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Step Up Certificates 4 Year
$0
3.76%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Balance: $25,000.01 - $50,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
48 months - Bump Up
$1,000
3.75%
▲ 1.09% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Dividends Compounded Credited: Monthly
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Certificate
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 48 Month
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
$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
3.75%
▲ 1.09% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 48 Months
$1,000
3.75%
▲ 1.09% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
JUMBO $95,000+
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
48 Month
$0
3.70%
▲ 1.04% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 48 Month
$0
3.70%
▲ 1.04% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate 48 month
$0
3.70%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.70%
▲ 1.04% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
Balance: $1,000.00 - $25,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.70%
▲ 1.04% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
48 Month
$0
3.70%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
Beaumont Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
660 S M L King Jr Pkwy, Beaumont, TX 77701
IRA & Share Certificates - 48 Months
$0
3.66%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
Under $50,000
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
48 Month Certificate
$0
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Texas 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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 60 Months
$0
4.50%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.74% above avg
Details
Callable CD
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
60 Month
$1,000
4.20%
▲ 1.44% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.44% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
5 Years
$90,000
4.18%
▲ 1.42% above national avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.42% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CDs - 60 Months
$0
4.11%
▲ 1.35% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.35% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
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
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month IRA Special
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 60 Months Tier Jumbo
$100,000
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
5 Years
$25,000
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.31% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Super Jumbo Certificate
$225,000
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.30% above avg
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
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$50,000
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month IRA Share CD
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.26% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month Jumbo Share CD
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.26% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $500,000.01 or greater
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
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
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
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
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 60 Months Tier
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
4 to 5 Years
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
5 Years
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Business 4 to 5 Years
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX 75602
Business 5 Years
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
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
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 60 Months
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
JUMBO
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
5 Years
$1,000
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month Jr Jumbo Share CD
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
5 Year
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Jumbo Certificate
$95,000
3.96%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.20% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Balance: $100,000.01 - $500,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
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
$1,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
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
$50,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
60 Months
$50,000
3.95%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month Share CD
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.16% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $50,000.01 - $100,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
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
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
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 - 60 Months
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 60 Months
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
JUMBO $95,000+
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%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.11% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Term Share Certificates 5 Year
$0
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.11% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
IRA Certificates 60 Month
$100
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX 77590
Business Certificate 60 Months / 5 Years
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Share Certificate
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
Balance: $25,000.01 - $50,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
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%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.06% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
1024 SW Alsbury Blvd, Burleson, TX 76028
5-year CD Rate
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $1,000.00 - $25,000.00
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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
2.833%
▲ 0.578 vs 7 days ago
Texas 12-month CD rates rose 0.578 points over the past 7 days to 2.833% APY.
6-Month CD — TX Avg
2.672%
▲ 0.862 vs 7 days ago
Texas 6-month CD rates rose 0.862 points over the past 7 days to 2.672% APY.
As of Sep 2, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
Powered by
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 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 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
1,867
CD Rates
Tracked in Texas
Tracked in Texas
41 Banks
105 Credit Unions
About Our Texas CD Rate Database
MonitorBankRates tracks 1,867 CD rates from 41 banks and 105 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: Texas Bay Credit Union offers a CD at 4.50% 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 105 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 — 146 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Texas savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare 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
$125/yr
At TX 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $125 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, 5Point Credit Union is offering its IRA Share Certificate 6-Month (Tier 3) at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Texas Bay Credit Union is offering its Callable CD 60 Months at 4.50% 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:
- Texas Bay Credit Union: 4.50% APY (Callable CD 60 Months)
- Gulf Capital Bank: 4.49% APY (36 Months)
- MapleMark Bank: 4.40% APY (36 Month CD)
- Fort Worth Community Credit Union: 4.34% APY (12 Months)
- 5Point Credit Union: 4.34% APY (IRA Share Certificate 12-Month (Tier 3))
- Members Trust of the Southwest Federal Credit Union: 4.28% APY (2 Years)
- Crescent Bank: 4.25% APY (24-month CD)
- Eastex Credit Union: 4.24% APY (12 Months)
- Ciera Bank: 4.20% APY (24 Month)
- Bank of South Texas: 4.18% APY (6 Month CD Offer)
Rates reflect recent verified offers available in Texas. Last Updated: September 1, 2026
Texas CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
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Ending Balance
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Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Texas
Texas CD Calculator
At today’s TX top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Texas CD LadderTX CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Texas CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.833% 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: September 1, 2026
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