CD Rates Richardson, Texas (TX) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Richardson, Texas CD rates include OWB One World BankOWB One World Bank100 N Central Expy, Richardson, TX 75080A+5.0 ★Texas Ratio: 0.80% offering Independent Retirement Accounts (IRA) 180 Day (6 Months) at 4.00% APY, Credit Union of TexasCredit Union of Texas601 N Plano Rd, Richardson, TX 75081 2942A-5.0 ★Texas Ratio: 14.68% offering No Penalty CD by Term and Deposit Amount 12 Month at 3.50% APY, Sunflower BankSunflower Bank1755 N Collins Blvd, Richardson, TX 75080A+5.0 ★Texas Ratio: 5.67% offering 6-Month CD Special at 3.40% APY, Baxter Credit UnionBaxter Credit Union2280 N Greenville Ave, Richardson, TX 75082 4412A5.0 ★Texas Ratio: 7.73% offering 18-month term at 3.30% APY, and TruistTruist801 E Campbell Rd, Richardson, TX 75081A+5.0 ★Texas Ratio: 3.63% offering 12-month CD at 3.25% APY. CD rates as of April 7, 2026 according to verified data from MonitorBankRates.
Richardson has 18 local institutions in our database, with CD rates as high as 4.00% APY from OWB One World Bank at 100 N Central Expy, Richardson, TX 75080. 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: April 7, 2026
Compare Best CD Rates in Richardson, Texas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
No minimum deposit.
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day Certificate of Deposit
$1,000
3.95%
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Momentum Share Certificate Rate 3 Month Special
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3-Month Certificate of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Consumer Online Banking Only
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 3 Month CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Daily Balances of: $100,000 and over
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Online Only
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
3-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 3 Month
$225,000
3.49%
▼
Rate3.45%
Min Deposit$225,000
Min Balance—
UpdatedApr 7, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month CD
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedApr 7, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3 Mo. Term Share (Certificate) / IRA
$0
3.16%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
90 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Under $100,000
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 7, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
3-Month Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
CD - Term Share 90 day
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
90 Day Jumbo Certificate Account
$50,000
2.25%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 7, 2026
Details
(Consumer Only)
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 7, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
3 Month Term Share Certificates
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3 Month Term Share Certificate
$10,000
1.15%
▼
Rate1.14%
Min Deposit$10,000
Min Balance—
UpdatedApr 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Penalties may apply for early withdrawals
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Month Jumbo Share Certificates
$0
1.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
90 Day CD
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
3 Month - Fixed IRA
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Texas National Bank of Jacksonville
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Month Fixed Rate Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
90 Day Certificates of Deposit
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Month Share Certificate
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
Independent Retirement Accounts (IRA) 180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
1755 N Collins Blvd, Richardson, TX 75080
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Business CDs 6 Month
$1,000
4.11%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Jumbo 6-Month Share Certificate
$0
4.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6 Month CAMPUS Share Certificates & IRA Share Certificates
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Minimum Deposit $500, Jumbo $90,000
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 6 Month
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
6 Month Certificates
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
(Age 0-17)
Colonial Savings, F.A.
Institution Rating:
B+4.7 ★Texas Ratio: 19.01%
Special 6-Month CD
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6-Month Term Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Over $50,000
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 month Share Certificates
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 6 Month to 11 Month
$0
3.87%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6-Month Promo Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
180 Day Certificate of Deposit
$1,000
3.80%
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6-month Regular Share Certificates
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
6 Month Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
6 Month (Jumbo) Certificate of Deposit
$50,000
3.70%
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
UpdatedApr 7, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6-Month IRA Certificates of Deposit
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Lock in your guaranteed rate today.
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
6 month Jumbo Term Share Certificate
$90,000
3.63%
▼
Rate3.60%
Min Deposit$90,000
Min Balance—
UpdatedApr 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6 Month Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month Certificate of Deposits
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 Month Jumbo Share Certificates
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 6 Mo. Jumbo
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
$100,000 Minimum to Earn APY
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
6 mo. Certificate
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
6 Month Certificate
$500
3.43%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Daily Balances of: $500 - $99,999.99
American State Bank (TX)
Institution Rating:
A-4.9 ★Texas Ratio: 16.23%
6-month Jumbo CD
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Month CD
$99,000
3.39%
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedApr 7, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6-month Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6 Mo. Term Share (Certificate) / IRA
$0
3.31%
▼
Rate3.27%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
6 Month Term Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
SUPER JUMBO CERTIFICATE 6-Month
$100,000
3.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
6 Month Certificate
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month IRA Certificate
$0
3.15%
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$50,000+
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Month Jumbo Certificate
$50,000
3.11%
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedApr 7, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6-Month Term Share Certificate
$1,000
3.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 180 Day CD
$250,000
3.02%
▼
Rate3.00%
Min Deposit$250,000
Min Balance—
UpdatedApr 7, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Youth Launch Certificate 6-Month Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
180 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 month CD
$0
2.86%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
Independent Retirement Accounts (IRA) 365 Day (1 Year)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 14.68%
601 N Plano Rd, Richardson, TX 75081 2942
No Penalty CD by Term and Deposit Amount 12 Month
$25,000
3.50%
▼
Rate3.45%
Min Deposit$25,000
Min Balance—
UpdatedApr 7, 2026
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
801 E Campbell Rd, Richardson, TX 75081
12-month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
Regular, IRA & Business Jumbo Certificates 1 year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
IRA CDs 12 Month Fixed IRA
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
IRA CD 1 Year
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Bonus Builder CD (SEG) 12 Month
$0
4.35%
▼
Rate4.26%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12 Month Jumbo Share Certificates & IRA Share Certificates
$90,000
4.24%
▼
Rate4.15%
Min Deposit$90,000
Min Balance—
UpdatedApr 7, 2026
Details
Minimum Deposit $500, Jumbo $90,000
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
12 Month Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share Certificates & Business Share Certificates 1 year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$100,000+
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 12 Month
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Share Certificate of Deposits 1-YEAR CD
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 7, 2026
Details
Digital Online
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1 Year Puppy Pak Term Share Certificates
$100
3.92%
▼
Rate3.85%
Min Deposit$100
Min Balance—
UpdatedApr 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$10,000 - $49,999.99
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 Month Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month IRA CD Account
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Limited time offer. Only available in our branches.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
12-Month Term Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Over $50,000
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
12 Month Certificate of Deposit
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
12-month IRA Certificates of Deposit
$0
3.67%
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1 Year Share Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.60%
Min Deposit$50,000
Min Balance—
UpdatedApr 7, 2026
Details
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1 Year Share Certificates (CDs)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 12-month Tier Jumbo
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
Time Share Deposit Accounts 1 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
IRA/1 Year Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month IRA Certificate
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$10,000 to $24,999.99
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1 Year Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
As High As
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
12 Month Certificate
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1 Year CD Fixed Rate
$40,000
3.39%
▼
Rate3.35%
Min Deposit$40,000
Min Balance—
UpdatedApr 7, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Mo. Term Share (Certificate) / IRA
$0
3.36%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
FB-Org Certificate of Deposit [CD] 1 year
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
12 Month Jumbo Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$25,000
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Month Jumbo Certificate
$50,000
3.26%
▼
Rate3.22%
Min Deposit$50,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Daily Balances of: $500 - $99,999.99
Brenham National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Starter Savings - 12 month IRA
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
12-Month Certificate of Deposit IRA
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
12 Month CDs
$0
3.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
IRA CDs 18 Month Variable IRA
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$100,000 and over
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-month Certificate Special
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply.; Special rate applies to new money only.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$1,000.00 & over
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
$100,000 Minimum to Earn APY
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 18 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Regular Certificate 18 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
18 Month Certificate of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 month Share Certificates
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18-Month Term Share Certificate
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
18-Month IRA Certificates
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
18 Month Certificate
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 month Priority Plus Term Share Certificate
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month CD
$99,000
3.19%
▼
Rate3.15%
Min Deposit$99,000
Min Balance—
UpdatedApr 7, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month Jumbo Certificate
$50,000
3.11%
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedApr 7, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Regular and IRA Certificate 18-Month Term Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
18-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 18 Month
$225,000
2.98%
▼
Rate2.95%
Min Deposit$225,000
Min Balance—
UpdatedApr 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Share Certificate
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
18 Month CDs
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Month Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA Time Share Deposit Account 18 Month
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
18 Month CD
$1,000
2.43%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
18 Month - Fixed IRA
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 7, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
18-Month Share/IRA Certificate
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
18-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Certificate of Deposit
$2,500
2.25%
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 7, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 month CD
$0
2.16%
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA - 18 Month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 18 Mo. HSA
$0
1.95%
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Texas National Bank of Jacksonville
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Fixed Rate Certificates
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA 18 Month Fixed Rate
$1,000
1.36%
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 MO Share Certificates
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
18 Month Certificate of Deposit
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Brentwood Baptist Church Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 71.96%
18 month Share Certificate (CD)
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
IRA CDs 24 Month Fixed IRA
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$100,000 and over
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (2 year)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Share Certificate of Deposits 2-YEAR CD
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
2 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
24 Month Term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month IRA Certificates of Deposit
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
24 Month Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
2 Year IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 24 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
24 Month Members Advantage Share Certificates & IRA Share Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Minimum Deposit $500, Jumbo $90,000
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
IRA/2 Year Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month IRA Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$10,000 to $24,999.99
TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
24 Month Jumbo CD Special
$100,000
3.53%
▼
Rate3.47%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
24 Month Certificate of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 Year Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
24-Month Certificates of Deposit (CD)
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2 year Priority Plus IRA Term Share Certificate
$1,000
3.39%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24 Mo. Term Share (Certificate) / IRA
$0
3.36%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24-Month IRA Certificates
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 24-month Tier
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24 Month CD
$99,000
3.24%
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedApr 7, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
2 Year Certificate
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Daily Balances of: $100,000 and over
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24-Month Term Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Over $50,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
24 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
IRA Term Share Certificate 24 Month
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
24 month Certificates of Deposits
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
24 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 24 month
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
24 Month Term Share and IRA Certificates
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24 Month Share Certificate
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
2 year CD and IRA
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
24 Month IRA Term Share Cert.
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA Time Share Deposit Account 2 Year
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (2 year) 3 year
$250,001
3.97%
▼
Rate3.90%
Min Deposit$250,001
Min Balance—
UpdatedApr 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month IRA Certificates of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 36 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
36 Month Certificate of Deposit
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
$100,000 Minimum to Earn APY
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
36 month term Certificates of Deposit and IRA** Certificates of Deposit
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Interest paid monthly
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
IRA/3 Year Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
36 Month Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Year IRA Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36 Mo. Term Share (Certificate) / IRA
$0
3.41%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
36 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$50,000+
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36-Month Bump IRA Certificates
$500
3.35%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
36 Month Share Certificates & IRA Share Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Minimum Deposit $500, Jumbo $90,000
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
36-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36 Month CD
$99,000
3.24%
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedApr 7, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
36-month Certificates, IRA, Roth, Educational IRA
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Starting at $10,000+
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
36 Month Educational IRA
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
36 Month Certificate
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3 year Priority Plus IRA Term Share Certificate
$1,000
3.08%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
36 Month Term Share Certificates
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Month Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
36 month Certificates of Deposits
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 month Share Certificates
$1,000
2.90%
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 36-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA Time Share Deposit Account 3 Year
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36 Month Share Certificate
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
3 Year CD
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
36 Month Certificate
$0
2.69%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 month CD
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
36 Month Term Share and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Year CD and IRA
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 Month Standard Certificates of Deposit
$1,000
2.49%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$1,000.00 & over
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
48 Month Certificate of Deposit
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
48 Month Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
48 Month (Jumbo) Certificate of Deposit
$50,000
3.55%
▼
Rate3.49%
Min Deposit$50,000
Min Balance—
UpdatedApr 7, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
$100,000 Minimum to Earn APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
48 Mo. Term Share (Certificate) / IRA
$0
3.46%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
4 Year IRA Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
48-Month IRA Certificates
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
48-Month Certificates of Deposit (CD)
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48 Month CD
$99,000
3.29%
▼
Rate3.25%
Min Deposit$99,000
Min Balance—
UpdatedApr 7, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Starting at $10,000+
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
48 Month Term Share Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
48 Month Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
48-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-Month Term Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Over $50,000
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4 year Priority Plus IRA Term Share Certificate
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
48-month Tier Jumbo Certificate of Deposit
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 month CD
$0
2.79%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
48 Month CD Special
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
4 Year CD
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Bump Rate Certificates 48-month
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
48 Month CD
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
48 Month Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 48 Month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
48 Month Term Share and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
4 Year CD and IRA
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
4 Year Term IRA Certificates
$0
2.45%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
48-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4-Year Certificate of Deposit (CD)
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
48 Month - Fixed IRA
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-month certificate
$10,000
1.88%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 7, 2026
Details
Balance Over $10,000
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
48 Month Certificate Account
$500
1.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
(Consumer or Business)
La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Month Share Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
4 Year Certificates of Deposit
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Germania Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month Certificate of Deposit
$500
1.31%
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$100,000 and over
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
IRA Certificate 60 Month
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$500 Minimum
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month IRA Certificates of Deposit
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (5 year)
$250,001
3.76%
▼
Rate3.70%
Min Deposit$250,001
Min Balance—
UpdatedApr 7, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
60 Month Certificate of Deposit
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 60-Month (Tier 2)
$0
3.66%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 60 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
60 Month CD
$100
3.60%
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedApr 7, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
60 Month Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share & Business Share Certificates 5 year
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$500-$24,999
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
60 Month (Jumbo) Certificate of Deposit
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedApr 7, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
60 Mo. Term Share (Certificate) / IRA
$0
3.46%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
60-Month IRA Certificates
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month IRA Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
$25,000 to $49,999.99
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month CD
$99,000
3.34%
▼
Rate3.30%
Min Deposit$99,000
Min Balance—
UpdatedApr 7, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
5 Year IRA Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
60 Month Term Share Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Starting at $10,000+
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
60-Month Certificates of Deposit (CD)
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month Tier Mini Jumbo Certificate of Deposit
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
60 Month Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 60 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
5 Year Fixed Rate CDS
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-Month Term Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Over $50,000
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
5 Year CD
$1,000
2.84%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5 Year Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 month CD
$0
2.74%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
60 Month CD
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5 Year Term IRA Certificates
$0
2.55%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
60 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
5 Year CD and IRA
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Share Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 5 Year
$225,000
2.32%
▼
Rate2.30%
Min Deposit$225,000
Min Balance—
UpdatedApr 7, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
60-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 7, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-month certificate
$10,000
2.13%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 7, 2026
Details
Balance Over $10,000
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Month Jumbo Certificate
$50,000
2.04%
▼
Rate2.02%
Min Deposit$50,000
Min Balance—
UpdatedApr 7, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 7, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5-Year Certificate of Deposit (CD)
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 7, 2026
Details
Powered by
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.
Richardson, TX CD Rate Trends
Compare local Richardson, 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.
12-Month CD — TX Avg
3.435%
▲ 0.365 vs 7 days ago
Texas 12-month CD rates rose 0.365 points over the past 7 days to 3.435% APY.
6-Month CD — TX Avg
3.179%
▲ 0.190 vs 7 days ago
Texas 6-month CD rates rose 0.190 points over the past 7 days to 3.179% APY.
As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Richardson, Texas
Are CD rates in Richardson, Texas FDIC insured?
Yes, most established banks in Richardson, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, Texas?
Here are recent top rates found for this area:
- OWB One World Bank: 4.00% APY (Independent Retirement Accounts (IRA) 180 Day (6 Months))
- Credit Union of Texas: 3.50% APY (No Penalty CD by Term and Deposit Amount 12 Month)
- Sunflower Bank: 3.40% APY (6-Month CD Special)
- Baxter Credit Union: 3.30% APY (18-month term)
- Truist: 3.25% APY (12-month CD)
- ADVANCIAL: 2.78% APY (Regular, IRA & Business Jumbo Certificates 1 year)
- Frost Bank: 2.40% APY (IRA CDs 12 Month Fixed IRA)
- BOK Financial: 0.10% APY (IRA CD 1 Year)
- First Service Credit Union: 4.35% APY (Bonus Builder CD (SEG) 12 Month)
- 5Point Credit Union: 4.34% APY (IRA Share Certificates and Share Certificates 12-Month (Tier 3))
Rates reflect recent verified offers available in Richardson, Texas. Last Updated: April 7, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Richardson, Texas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Richardson, Texas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 7, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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