Plano, Texas CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
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Current Plano, Texas CD rates include UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union6565 Headquarters Dr, Plano, TX 75024 5965B4.4 ★Texas Ratio: 17.71%Real return: +1.32%APY minus CPI (February 2026) offering 36-Month Variable IRA Certificate at 4.12% APY, EECU Credit UnionEECU Credit Union6001 Preston Road, Plano, TX 75093A+5.0 ★Texas Ratio: 2.63%Real return: +1.20%APY minus CPI (February 2026) offering Standard CDs 12 Months at 4.00% APY, Randolph Brooks FCURandolph Brooks FCU1801 Dallas Pkwy, Plano, TX 75093A+5.0 ★Texas Ratio: 4.42%Real return: +1.00%APY minus CPI (February 2026) offering SuperSaver Certificate 18 Months at 3.80% APY, InTouch Credit UnionInTouch Credit Union5640 Democracy Dr, Plano, TX 75024A5.0 ★Texas Ratio: 9.63%Real return: +0.95%APY minus CPI (February 2026) offering Youth/Young Adult 12-Month Certificate* at 3.75% APY, and Frost BankFrost Bank5021 W Park Blvd, Plano, TX 75093A+5.0 ★Texas Ratio: 2.87%Real return: +0.75%APY minus CPI (February 2026) offering 90 Day at 3.55% APY. CD rates as of July 13, 2026 according to verified data from MonitorBankRates.
Plano has 70 local institutions in our database, with CD rates as high as 4.12% APY from UNIFY Financial Federal Credit Union at 6565 Headquarters Dr, Plano, TX 75024 5965. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 13, 2026
Compare Best CD Rates in Plano, Texas & the Surrounding Area
Plano 3 Month CD Rates
$500,000+ balance tier
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Regular
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Plano 6 Month CD Rates
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Limited Time CD Special
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Take advantage of this limited-time savings opportunity and move your financial goals forward.
Digital Online: 4.16% APY with $25,000 Minimum Deposit
Special 3.94% APY 6-Month CD! Earn more, faster with our 6-month CD at an impressive 3.94% APY. It's a smart, short-term way to grow your savings with confidence.
IRA Share Certificate*
*APY = Annual Percentage Yield
IRA Share Certificate*
Interest paid monthly
IRA Share Certificate*
Plano 12 Month CD Rates
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
APY is accurate as of 02/23/2026. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. If the balance on a $100,000 or more Certificate Account falls below the minimum balance requirements, it will automatically renew at the applicable APY for the same term Certificate Account. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.
Minimum balance to earn APY: $100,000, $40,000, $100
Save to Win? 12-Month Certificate*
Save to Win? 12-Month Certificate* (Cont'd)
IRA CD
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 1.51%
Relationship APY 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
IRA CD
Digital Online: 4.16% APY with $25,000 Minimum Deposit
Special rate for a limited time.
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only. Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity.
IRA Share Certificate*
$25,000- $99,999
IRA Share Certificate*
Plano 18 Month CD Rates
Minimum balance to earn APY: $100,000, $40,000, $100
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
IRA CD
IRA CD
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
JUMBO
JUMBO
JUMBO $95,000+
JUMBO $95,000+
Limited time offer. New money only. Alero Financial membership required.
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
$100,000
Plano 24 Month CD Rates
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Minimum balance to earn APY: $100,000, $40,000, $100
IRA CD
IRA CD
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Dividends Compounded & Credited Quarterly
JUMBO
JUMBO
JUMBO $95,000+
JUMBO $95,000+
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
Plano 36 Month CD Rates
Minimum balance to earn APY: $100,000, $40,000, $100
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Minimum balance to earn APY: $100,000, $40,000, $100
EXISTING MEMBER NEW MEMBER
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Dividends Compounded & Credited Quarterly
JUMBO
JUMBO
JUMBO $95,000+
JUMBO $95,000+
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Plano 48 Month CD Rates
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Minimum balance to earn APY: $100,000, $40,000, $100
JUMBO
JUMBO
JUMBO $95,000+
JUMBO $95,000+
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Int. Monthly
Plano 60 Month CD Rates
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Minimum balance to earn APY: $100,000, $40,000, $100
JUMBO
JUMBO
JUMBO $95,000+
JUMBO $95,000+
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Plano, TX CD Rate Trends
Compare local Plano, TX CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Texas 12-month CD rates rose 0.072 points over the past 7 days to 2.421% APY.
Texas 6-month CD rates rose 0.445 points over the past 7 days to 2.072% APY.
TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.006% | $100.28 | $200.55 | $501.38 | $1,002.75 |
| 6-Month CD | 2.072% | $103.59 | $207.17 | $517.93 | $1,035.85 |
| 12-Month CD | 2.421% | $121.03 | $242.06 | $605.15 | $1,210.30 |
| 18-Month CD | 2.587% | $129.36 | $258.72 | $646.80 | $1,293.60 |
| 24-Month CD | 2.744% | $137.18 | $274.35 | $685.88 | $1,371.75 |
| 36-Month CD | 3.322% | $166.09 | $332.17 | $830.43 | $1,660.85 |
| 48-Month CD | 3.285% | $164.26 | $328.51 | $821.28 | $1,642.55 |
| 60-Month CD | 3.321% | $166.03 | $332.05 | $830.13 | $1,660.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 13, 2026. | |||||
Sample CD Ladder for Plano, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.006% | $100.28 |
| 2 | 6-Month CD | $5,000 | 2.072% | $103.59 |
| 3 | 12-Month CD | $5,000 | 2.421% | $121.03 |
| 4 | 24-Month CD | $5,000 | 2.744% | $137.18 |
| 5 | 36-Month CD | $5,000 | 3.322% | $166.09 |
| Total ($25,000 invested) | $25,000 | 2.513% blended | $628.17/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.
Tracked in Plano, Texas
About Our Plano, Texas CD Rate Database
MonitorBankRates tracks 1,272 CD rates from 34 banks and 90 credit unions with locations in Plano, 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: UNIFY Financial Federal Credit Union offers a CD at 4.12% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Plano, Texas.
How to Find the Best CD Rates in Plano, Texas
What to compare when shopping for a CD in Plano, Texas
To find the best APYs in Plano, Texas, start with credit unions and online-only banks — Plano, Texas has 90 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 Plano, 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 Plano, Texas — 124 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Plano, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Plano, Texas money market rates
Plano, Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
14.7% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.421%, saving 10% of the local median salary ($6,061/year) and putting it in a CD would earn an additional $147 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 Plano, 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 Plano, 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 Plano, 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 Plano, Texas as everywhere in the U.S.
Choosing a CD Term in Plano, 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 Plano, Texas savers easier access to their funds. For example, EECU Credit Union is offering its Standard CDs 6 Months at 3.85% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, EECU Credit Union is offering its Standard CDs 60 Months at 4.00% 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 Plano, 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 Plano, 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 Plano, 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 Plano, 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 Plano, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Plano, 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 Plano, Texas
Are CD rates in Plano, Texas FDIC insured?
Do I have to pay state taxes on CD interest in Plano, Texas?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Plano, Texas?
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable IRA Certificate)
- EECU Credit Union: 4.00% APY (Standard CDs 12 Months)
- Randolph Brooks FCU: 3.80% APY (SuperSaver Certificate 18 Months)
- InTouch Credit Union: 3.75% APY (3-Month Certificate)
- Frost Bank: 3.55% APY (90 Day)
- Texans Credit Union: 3.50% APY (12 Month Certificate)
- Sunflower Bank: 3.40% APY (6-Month CD Special)
- Comerica: 3.20% APY (12-month fixed-rate CD)
- Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
- WaFd Bank: 0.35% APY (60 Months)
CD Calculators for Plano, Texas
At today’s TX top rate of 4.12% APY, a $10,000 deposit earns $412 in the first year. Enter your amount to see your exact return.
Plano, Texas CD LadderTX CD rates currently range from 2.006% (3-month) to 3.322% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Plano, Texas CD at 4.12% 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 2.421% 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 Plano, 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 Plano, 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 Plano, 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.
