Richardson, Texas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Richardson, Texas CD rates include Lifetime Federal Credit UnionLifetime Federal Credit Union1001 E Lookout Dr, Richardson, TX 75082A+5.0 ★Texas Ratio: 3.14%Real return: +1.38%APY minus CPI (February 2026) offering 12 Month Certificate at 4.18% APY, State Bank of TexasState Bank of Texas500 W Belt Line Rd, Richardson, TX 75080A+5.0 ★Texas Ratio: 2.36%Real return: +1.25%APY minus CPI (February 2026) offering High-Rate Jumbo 12-Month CD at 4.05% APY, OWB One World BankOWB One World Bank100 N Central Expy, Richardson, TX 75080A+5.0 ★Texas Ratio: 0.80%Real return: +1.20%APY minus CPI (February 2026) offering 180 Day at 4.00% APY, Neighborhood Credit UnionNeighborhood Credit Union1271 W Campbell Rd, Richardson, TX 75080 2946A5.0 ★Texas Ratio: 7.88%Real return: +0.85%APY minus CPI (February 2026) offering IRA & Roth IRA 18 months at 3.65% APY, and Frost BankFrost Bank700 E Campbell Rd, Richardson, TX 75081A+5.0 ★Texas Ratio: 2.87%Real return: +0.80%APY minus CPI (February 2026) offering 90 Day at 3.60% APY. CD rates as of September 1, 2026 according to verified data from MonitorBankRates.
Richardson has 108 local institutions in our database, with CD rates as high as 4.18% APY from Lifetime Federal Credit Union at 1001 E Lookout Dr, Richardson, TX 75082. 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: September 1, 2026
Compare Best CD Rates in Richardson, Texas & the Surrounding Area
Richardson 3 Month CD Rates
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
90 Day
$0
3.80%
▲ 1.84% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.84% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
90 Day
$0
3.60%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
90 Day Jumbo CD
$0
3.60%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Jumbo CDs are for $500,000 and over. Annual Percentage Yield effective as of 08/24/2026. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
90 Day
$0
3.35%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
90 Day
$0
3.05%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.09% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
3-month term
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
3-month term Standard CDs
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
3-month term Standard CDs Rewards
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Regular APY 0.50% Dividend Rate 0.50%
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
90 Days
$0
0.11%
▼ 1.85% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.85% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship Interest Rate 0.06%
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
90 Days
$0
4.13%
▲ 2.17% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.17% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00%
▲ 2.04% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.04% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$100,001
3.92%
▲ 1.96% above national avg
▼
Rate3.85%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.96% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day
$1,000
3.90%
▲ 1.94% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.94% above avg
Details
Compounded: ; Credited: At Maturity
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$50,001
3.87%
▲ 1.91% above national avg
▼
Rate3.80%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.91% above avg
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.89% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details
Special Offer. balances under $100k
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$1,000
3.82%
▲ 1.86% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.86% above avg
Details
Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3-Month CD
$0
3.80%
▲ 1.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3-Month CD
$0
3.75%
▲ 1.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3-Month Certificate
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.65%
▲ 1.69% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.69% above avg
Details
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
90 Day
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.51%
▲ 1.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
3-Month Certificate
$0
3.51%
▲ 1.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Month Certificate
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 3 Month
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
$95,000
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Month CD
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$1,000
3.45%
▲ 1.49% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.49% above avg
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.40%
▲ 1.44% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.39%
▲ 1.43% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.43% above avg
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months CD
$1,000
3.35%
▲ 1.39% above national avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
A penalty may be imposed for early withdrawal
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months IRA
$1,000
3.35%
▲ 1.39% above national avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
A penalty may be imposed for early withdrawal
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35%
▲ 1.39% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificates 3-Month
$0
3.35%
▲ 1.39% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CD - 3 Month
$225,000
3.29%
▲ 1.33% above national avg
▼
Rate3.25%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.33% above avg
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
90 Day CD
$0
3.29%
▲ 1.33% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.33% above avg
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Month
$0
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Business 3 Month
$0
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
90 Days
$0
3.25%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Short-term savings made easy. Access your funds quickly while earning interest.
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
90 Day Certificate of Deposit
$0
3.25%
▲ 1.29% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3 Month
$0
3.25%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
3.24%
▲ 1.28% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.28% above avg
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo CDs 3 Month
$95,000
3.24%
▲ 1.28% above national avg
▼
Rate3.20%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.28% above avg
Details
Richardson 6 Month CD Rates
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
180 Day
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.33% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
Standard Certificate 6 months
$2,500
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Additional deposits not allowed.
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%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Limited Time CD Special
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
6 Month Certificate
$2,000
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
180 Day
$0
3.10%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
180 Day
$0
2.70%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.03% above avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
180 Days
$0
1.55%
▼ 1.12% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.12% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
6 Months
$0
1.50%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
6-month term
$0
1.35%
▼ 1.32% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
6-month term Standard CDs
$0
1.35%
▼ 1.32% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details
Rewards APY 1.35% Regular APY 1.25% Dividend Rate 1.24%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
6-month term Standard CDs Rewards
$0
1.35%
▼ 1.32% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details
Regular APY 1.25% Dividend Rate 1.24%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
6-month term
$0
1.25%
▼ 1.42% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.42% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.61% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.61% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
6 month Standard Interest Rate
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship Interest Rate 0.05%
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 3)
$99,000
4.20%
▲ 1.53% above national avg
▼
Rate4.11%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 3)
$0
4.20%
▲ 1.53% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details
Balance: $99,000.00 or greater
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 Month CD Offer
$0
4.18%
▲ 1.51% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
6 Months
$0
4.18%
▲ 1.51% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
6 Months
$0
4.18%
▲ 1.51% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
6 Month CD
$0
4.16%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.49% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 2)
$0
4.10%
▲ 1.43% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Balance: $50,000.00- $98,999.99
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 2)
$0
4.10%
▲ 1.43% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Balance: $50,000.00- $98,999.99
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD
$1,000
4.07%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
APY: Annual Percentage Yield. CD rates based upon in-house rates accurate as of June 22, 2026. A minimum daily balance of $1,000.00 must be maintained for 6-month IRA CD advertised at 4.07% APY. To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$250
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Age: 0-17
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
4.07%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
6 Month
$0
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$100,001
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
180 Day
$1,000
4.05%
▲ 1.38% above national avg
▼
Rate4.01%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details
Compounded: ; Credited: At Maturity
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
180 Day EZ Saver
$50
4.05%
▲ 1.38% above national avg
▼
Rate4.01%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details
Compounded: ; Credited: At Maturity
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.37% above avg
Details
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month CAMPUS
$500
4.03%
▲ 1.36% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.36% above avg
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month Members Advantage
$500
4.03%
▲ 1.36% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.36% above avg
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 6 Month
$0
4.02%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details
McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6 MONTH HIGH
$100,000
4.02%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$50,001
4.02%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
6-Month Share Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.84%
Term Share Accounts(C.D.'S) - 6 Months
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
6 Months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
6 Month
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
6 Month CD
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
6 Month Traditional/Roth IRA
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Effective 2/26/26
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 1)
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Balance: $1,000.00 - $49,999.99
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 1)
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Balance: $1,000.00 - $49,999.99
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Business Term Deposit -6 Months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Minor Term Deposit -6 Months
$250
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Term Deposit -6 Months
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month
$500
3.98%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.31% above avg
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
6-month Jumbo Share Certificate
$100,000
3.97%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.30% above avg
Details
Richardson 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
12 Month Certificate
$2,000
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
IRA / 12 Month Certificate
$2,000
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
500 W Belt Line Rd, Richardson, TX 75080
High-Rate Jumbo 12-Month CD
$100,000
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. UPDATED 6-16-26 | 10:02 AM CST
Texans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
777 E Campbell Rd, Richardson, TX 75081 1891
12 Month Certificate
$500
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Certificate rates are dependent on the term selected and may change at any time without prior notice. 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. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
601 N Plano Rd, Richardson, TX 75081 2942
12 Month No Penalty CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
12 Month FlexPlus
$500
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
IRA & Roth IRA 12 months
$2,500
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
IRA & Roth IRA CD must be opened in branch.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
Standard Certificate 12 months
$2,500
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Additional deposits not allowed.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
12 Month
$0
3.00%
▲ 0.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
12 Month
$0
2.55%
▼ 0.28% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.28% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
IRA CD - 12 Month Fixed
$0
2.55%
▼ 0.28% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.28% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
1 year Standard Fixed Rate CD
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
1 year Standard Interest Rate
$2,500
1.50%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship Interest Rate 1.50%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
12-month term
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
12-month term Standard CDs
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
12-month term Standard CDs Rewards
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
12-month term Standard IRA CDs
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
12-month term Standard IRA CDs Rewards
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
Standard IRA CDs 12-month term
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
12-month term
$0
1.30%
▼ 1.53% below national avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.53% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
1 Year
$0
0.15%
▼ 2.68% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.68% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
IRA CD - 12 Month Fixed
$0
0.03%
▼ 2.80% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.80% below avg
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Months
$0
4.34%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 3)
$99,000
4.34%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 3)
$0
4.34%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details
Balance: $99,000.00 or greater
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12 Months
$0
4.28%
▲ 1.45% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.45% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 2)
$0
4.24%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details
Balance: $50,000.00 - $98,999.99
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 2)
$0
4.24%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details
Balance: $50,000.00 - $98,999.99
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
12 Months
$0
4.24%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$90,000
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Month CD
$0
4.16%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.33% above avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month CD
$0
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
APY as high as
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
FB-Org Certificate of Deposit [CD] 1 year
$1,000
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12-month Certificate
$1,000
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Minimum to Avoid Service Charge: $0
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Business 12-Month Term Share Certificate
$1,000
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 1)
$0
4.14%
▲ 1.31% above national avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.31% above avg
Details
Balance: $1,000.00 - $49,999.99
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 1)
$0
4.14%
▲ 1.31% above national avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.31% above avg
Details
Balance: $1,000.00 - $49,999.99
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month Members Advantage
$500
4.13%
▲ 1.30% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.30% above avg
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
12 Month
$0
4.13%
▲ 1.30% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.30% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 12 Months
$0
4.11%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.28% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
12 Month
$1,000
4.10%
▲ 1.27% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
12 Month EZ Saver
$50
4.10%
▲ 1.27% above national avg
▼
Rate4.04%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Compounded: Quarterly; Credited: Quarterly
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1 Year Certificate
$25,000
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month
$500
4.08%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.25% above avg
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
12 Month
$0
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$25,000
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (1 year)
$250,001
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$250,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Beaumont Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
IRA & Share Certificates - 12 Months
$0
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Under $50,000
Richardson 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
IRA & Roth IRA 18 months
$2,500
3.65%
▲ 0.97% above national avg
▼
Rate3.54%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
IRA & Roth IRA CD must be opened in branch.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
Standard Certificate 18 months
$2,500
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Additional deposits not allowed.
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
18 Mos. CD (includes IRA)
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.82% above avg
Details
IRA accounts included
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
18-month term CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
18-month term CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
18-month term IRA CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
18-month term IRA CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
IRA CD Specials - 18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
18 Months
$0
2.05%
▼ 0.63% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.63% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
IRA CD - 18 Month Variable
$0
0.75%
▼ 1.93% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.93% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
IRA CD - 18 Month Variable
$0
0.03%
▼ 2.65% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.65% below avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month CD
$0
4.30%
▲ 1.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.62% above avg
Details
APY as high as
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
18 Month
$1,000
4.15%
▲ 1.47% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Business 18-Month Term Share Certificate
$1,000
4.10%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Term Share Certificate
$1,000
4.07%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.39% above avg
Details
Dividends Compounded Monthly Dividends Credited Monthly Renewal Automatic with 10-day grace period
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18-month Certificate
$1,000
4.05%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details
Minimum to Avoid Service Charge: $0
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Months Add-On IRA
$0
4.03%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.35% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Super Jumbo Certificate
$225,000
4.01%
▲ 1.33% above national avg
▼
Rate3.95%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.33% above avg
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 - 18 Months Flex Share Certificate Special
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95%
▲ 1.27% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95%
▲ 1.27% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Jumbo Certificate
$95,000
3.91%
▲ 1.23% above national avg
▼
Rate3.85%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share Certificate (CD) 18 month
$100,000
3.91%
▲ 1.23% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 18 Months
$0
3.91%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month
$1,000
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month
$0
3.85%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month CD
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month Traditional/Roth IRA
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 18 Months
$0
3.82%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.14% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 18 Month
$100
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Morris Sheppard Texarkana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18-Month CD
$1,000
3.80%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Share Certificate
$1,000
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 month
$100
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Certificate
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18 Month Term Share Certificates
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 18 Months
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
JUMBO
ACFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
18 Month No Penalty Certificate
$1,000
3.79%
▲ 1.11% above national avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.11% above avg
Details
No Penalty
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Months
$0
3.76%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.08% above avg
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
IRA Certificate 18 month
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Certificate
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18 months
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Dividends Compounded Credited: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month Standard IRA CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Richardson 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
24 Month Certificate
$2,000
3.97%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1001 E Lookout Dr, Richardson, TX 75082
IRA / 24 Month Certificate
$2,000
3.97%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
24 Month
$0
2.90%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
24-month term
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
24-month term Standard CDs
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
24-month term Standard CDs Rewards
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
24-month term Standard IRA CDs
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
24-month term Standard IRA CDs Rewards
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
Standard IRA CDs 24-month term
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
24 Month
$0
2.40%
▼ 0.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.31% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
IRA CD - 24 Month Fixed
$0
2.40%
▼ 0.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.31% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
24-month term
$0
2.34%
▼ 0.37% below national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.37% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
2 Years
$0
1.55%
▼ 1.16% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.16% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
IRA CD - 24 Month Fixed
$0
0.03%
▼ 2.68% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.68% below avg
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
24 Months
$0
4.44%
▲ 1.73% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.73% above avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month CD
$0
4.30%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.59% above avg
Details
APY as high as
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$90,000
4.28%
▲ 1.57% above national avg
▼
Rate4.20%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.57% above avg
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
24 Month
$1,000
4.20%
▲ 1.49% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.49% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 24 Months
$0
4.20%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.49% above avg
Details
Callable CD
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$25,000
4.18%
▲ 1.47% above national avg
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.47% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$1,000
4.07%
▲ 1.36% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.36% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
2 Years
$10,000
4.05%
▲ 1.34% above national avg
▼
Rate3.97%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
Compounded: Daily, Credited: At Maturity
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05%
▲ 1.34% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 Months
$0
4.03%
▲ 1.32% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.32% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
2 Year
$0
4.02%
▲ 1.31% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.31% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1 to 2 Years
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 90 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 1 to 2 Years
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$95,000
3.97%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 2 Year
$0
3.92%
▲ 1.21% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.21% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24-Month Super Jumbo Certificate
$225,000
3.91%
▲ 1.20% above national avg
▼
Rate3.85%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.20% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 24 Months
$0
3.91%
▲ 1.20% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.20% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2-YEAR CD
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
TEEN Share Certificate of Deposits 2-YEAR CD
$100
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Age: 13-17
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
24 Month
$0
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$500
3.87%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 24 Month
$100
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
24 Month
$0
3.85%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
2 Year CD
$100,000
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month IRA Share CD
$0
3.84%
▲ 1.13% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.13% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month Jumbo Share CD
$0
3.84%
▲ 1.13% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.13% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
2 YEAR CERTIFICATE
$95,000
3.82%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Months
$0
3.82%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
2-year CD Rate
$0
3.81%
▲ 1.10% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.10% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24-Month Jumbo Certificate
$95,000
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month IRA Term Share Certificates
$1,000
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month Term Share Certificates
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month CD
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Richardson 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
IRA & Roth IRA 36 months
$2,500
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
IRA & Roth IRA CD must be opened in branch.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
Standard Certificate 36 months
$2,500
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Additional deposits not allowed.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
36-month term
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
36-month term Standard CDs
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
36-month term Standard CDs Rewards
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
36-month term Standard IRA CDs
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
36-month term Standard IRA CDs Rewards
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
Standard IRA CDs 36-month term
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
36-month term
$0
2.49%
▼ 0.16% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
3 Years
$0
1.55%
▼ 1.10% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.10% below avg
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
36 Months
$0
4.49%
▲ 1.84% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.84% above avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month CD
$0
4.40%
▲ 1.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.75% above avg
Details
APY as high as
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$90,000
4.18%
▲ 1.53% above national avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.53% above avg
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 36 Months / 3 Years
$0
4.15%
▲ 1.50% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
36 Month
$1,000
4.10%
▲ 1.44% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10%
▲ 1.44% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$25,000
4.07%
▲ 1.42% above national avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$95,000
4.07%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05%
▲ 1.40% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
3 Years
$10,000
4.00%
▲ 1.35% above national avg
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Compounded: Daily, Credited: At Maturity
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 36 Months
$0
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
2 to 3 Years
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 2 to 3 Years
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$1,000
3.97%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$500
3.97%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3 Year
$0
3.97%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36-Month Super Jumbo Certificate
$225,000
3.96%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$95,000
3.92%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month IRA Share CD
$0
3.92%
▲ 1.27% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month Jumbo Share CD
$0
3.92%
▲ 1.27% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$1,000
3.90%
▲ 1.25% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month Jr Jumbo Share CD
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates - 3 Year
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 3 Year
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 36 Months
$0
3.86%
▲ 1.21% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36-Month Jumbo Certificate
$95,000
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month IRA Share Certificate
$0
3.85%
▲ 1.20% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Balance: $500,000.01 or greater
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month Share Certificate
$0
3.85%
▲ 1.20% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Year CD
$100,000
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$500
3.82%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month Share CD
$0
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
3-year CD Rate
$0
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
36 Month IRA Term Share Certificates
$1,000
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
36 Month Term Share Certificates
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
JUMBO
Richardson 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
IRA & Roth IRA 48 months
$2,500
3.35%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
IRA & Roth IRA CD must be opened in branch.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
Standard Certificate 48 months
$2,500
3.35%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Additional deposits not allowed.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
48-month term
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
48-month term Standard CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
48-month term Standard CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
48-month term Standard IRA CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
48-month term Standard IRA CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
Standard IRA CDs 48-month term
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
48-month term
$0
2.64%
▼ 0.02% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.02% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
4 Years
$0
1.55%
▼ 1.11% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.11% below avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$90,000
4.18%
▲ 1.52% above national avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.52% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
48 Month
$1,000
4.15%
▲ 1.49% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 48 Months / 4 Years
$0
4.15%
▲ 1.49% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$25,000
4.07%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.41% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Super Jumbo Certificate
$225,000
4.01%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 48 Months
$0
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
3 to 4 Years
$1,000
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 3 to 4 Years
$1,000
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$1,000
3.97%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$100,001
3.97%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
4 Year
$0
3.97%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$50,001
3.92%
▲ 1.26% above national avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Jumbo Certificate
$95,000
3.91%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.90%
▲ 1.24% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
Details
Balance: $500,000.01 or greater
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.90%
▲ 1.24% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$1,000
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$100,001
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates - 4 Year
$0
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 4 Year
$0
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 48 Months
$0
3.86%
▲ 1.20% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.85%
▲ 1.19% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
Balance: $100,000.01 - $500,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.85%
▲ 1.19% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48-month IRA
$0
3.85%
▲ 1.19% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$50,001
3.82%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 48 Month
$100
3.80%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Share Certificate
$1,000
3.80%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.80%
▲ 1.14% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
Balance: $50,000.01 - $100,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.80%
▲ 1.14% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
48 Month Term Share Certificates
$0
3.80%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$0
3.80%
▲ 1.14% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 48 Months
$0
3.80%
▲ 1.14% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
JUMBO
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$1,000
3.76%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 4 Year
$0
3.76%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Balance: $25,000.01 - $50,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
48 months - Bump Up
$1,000
3.75%
▲ 1.09% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Dividends Compounded Credited: Monthly
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48-month Tier
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Month Certificate
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 48 Month
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
$95,000
Richardson 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
IRA & Roth IRA 60 months
$2,500
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
IRA & Roth IRA CD must be opened in branch.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1271 W Campbell Rd, Richardson, TX 75080 2946
Standard Certificate 60 months
$2,500
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
Additional deposits not allowed.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
60-month term Standard CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
60-month term Standard CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
60-month term Standard IRA CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
60-month term Standard IRA CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
Standard IRA CDs 60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2280 N Greenville Ave, Richardson, TX 75082 4412
60-month term
$0
2.84%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.08% above avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
333 W Campbell Rd, Richardson, TX 75080
5 Years
$0
1.55%
▼ 1.21% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.21% below avg
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 60 Months
$0
4.50%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.74% above avg
Details
Callable CD
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
60 Month
$1,000
4.20%
▲ 1.44% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.44% above avg
Details
Compounded: Quarterly; Credited: Quarterly
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$90,000
4.18%
▲ 1.42% above national avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.42% above avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 60 Months
$0
4.11%
▲ 1.35% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.35% above avg
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month IRA Special
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Jumbo
$100,000
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$25,000
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.31% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60-Month Super Jumbo Certificate
$225,000
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.30% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$50,000
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month IRA Share CD
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.26% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jumbo Share CD
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.26% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $500,000.01 or greater
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month Tier
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
4 to 5 Years
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
5 Years
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 4 to 5 Years
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 5 Years
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 60 Months
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
JUMBO
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$1,000
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jr Jumbo Share CD
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
5 Year
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60-Month Jumbo Certificate
$95,000
3.96%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.20% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Balance: $100,000.01 - $500,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$50,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
60 Months
$50,000
3.95%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Share CD
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.16% above avg
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $50,000.01 - $100,000.00
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 60 Months
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
JUMBO $95,000+
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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.
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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
2.833%
▲ 0.578 vs 7 days ago
Texas 12-month CD rates rose 0.578 points over the past 7 days to 2.833% APY.
6-Month CD — TX Avg
2.672%
▲ 0.862 vs 7 days ago
Texas 6-month CD rates rose 0.862 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
Sample CD Ladder for Richardson, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,867
CD Rates
Tracked in Richardson, Texas
Tracked in Richardson, Texas
39 Banks
102 Credit Unions
About Our Richardson, Texas CD Rate Database
MonitorBankRates tracks 1,867 CD rates from 39 banks and 102 credit unions with locations in Richardson, 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: Lifetime Federal Credit Union offers a CD at 4.18% APY with a minimum deposit of $2,000. Use the rate table above to compare all current offers in Richardson, Texas.
How to Find the Best CD Rates in Richardson, Texas
What to compare when shopping for a CD in Richardson, Texas
To find the best APYs in Richardson, Texas, start with credit unions and online-only banks — Richardson, Texas has 102 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 Richardson, 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 Richardson, Texas — 141 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Richardson, Texas savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Richardson, Texas money market rates
Richardson, Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.0%
National avg: 17.3%
Median Individual Earnings
$49,682
National avg: $47,340
Poverty Rate
9.7%
National avg: 11.1%
Unemployment Rate
5.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$141/yr
At TX 12-mo avg 2.833% APY
13.0% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.833%, saving 10% of the local median salary ($4,968/year) and putting it in a CD would earn an additional $141 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, Texas as everywhere in the U.S.
Choosing a CD Term in Richardson, 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 Richardson, Texas savers easier access to their funds. For example, OWB One World Bank is offering its 180 Day at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Neighborhood Credit Union is offering its IRA & Roth IRA 60 months at 3.35% 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Richardson, 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 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:
- Lifetime Federal Credit Union: 4.18% APY (12 Month Certificate)
- State Bank of Texas: 4.05% APY (High-Rate Jumbo 12-Month CD)
- OWB One World Bank: 4.00% APY (180 Day)
- Neighborhood Credit Union: 3.65% APY (IRA & Roth IRA 18 months)
- Frost Bank: 3.60% APY (90 Day)
- Texans Credit Union: 3.50% APY (12 Month Certificate)
- Credit Union of Texas: 3.50% APY (12 Month No Penalty CD)
- Baxter Credit Union: 3.45% APY (18-month term)
- Sunflower Bank: 3.40% APY (6-Month CD Special)
- BOK Financial: 2.05% APY (18 Months)
Rates reflect recent verified offers available in Richardson, Texas. Last Updated: September 1, 2026
Richardson, Texas CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Richardson, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Richardson, Texas
Richardson, Texas CD Calculator
At today’s TX top rate of 4.18% APY, a $10,000 deposit earns $418 in the first year. Enter your amount to see your exact return.
Richardson, Texas CD LadderTX CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Richardson, Texas CD at 4.18% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.833% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Richardson, 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 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 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 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: September 1, 2026
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