San Antonio, Texas CD Rates Today - Compare Best APYs for July 2026
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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 San Antonio, Texas CD rates include UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1 Lone Star Pass Bldg 1, San Antonio, TX 78264B4.4 ★Texas Ratio: 17.71%Real return: +1.32%APY minus CPI (February 2026) offering 36-Month Variable IRA Certificate at 4.12% APY, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX 78247A+5.0 ★Texas Ratio: 2.09%Real return: +1.27%APY minus CPI (February 2026) offering Momentum Share Certificate 3 Month at 4.07% APY, Synergy Federal Credit UnionSynergy Federal Credit Union1 Valero Way, San Antonio, TX 78249 1616A+5.0 ★Texas Ratio: 0.96%Real return: +1.22%APY minus CPI (February 2026) offering IRA Certificates (3 months) at 4.02% APY, GREATER TEXASGREATER TEXAS3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078A5.0 ★Texas Ratio: 6.70%Real return: +1.20%APY minus CPI (February 2026) offering 60 Months at 4.00% APY, and HEB Federal Credit UnionHEB Federal Credit Union4630 N Loop 1604 W Ste 101, San Antonio, TX 78249A+5.0 ★Texas Ratio: 0.72%Real return: +1.20%APY minus CPI (February 2026) offering 6 - 18 Months Flex Share Certificate Special at 4.00% APY. CD rates as of July 13, 2026 according to verified data from MonitorBankRates.
San Antonio has 164 local institutions in our database, with CD rates as high as 4.12% APY from UNIFY Financial Federal Credit Union at 1 Lone Star Pass Bldg 1, San Antonio, TX 78264. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 13, 2026
Compare Best CD Rates in San Antonio, Texas & the Surrounding Area
San Antonio 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
Momentum Share Certificate 3 Month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
3 Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 months)
$100,001
4.02%
▼
Rate3.95%
Min Deposit$100,001
Min Balance—
UpdatedJun 26, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 months)
$50,001
3.97%
▼
Rate3.90%
Min Deposit$50,001
Min Balance—
UpdatedJun 26, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 months)
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
90 Day
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$500,000+ balance tier
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
90 Day
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
90 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
13750 San Pedro Ave, San Antonio, TX 78232
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
3 Month
$0
1.15%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
3 Months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 3 Months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
3 months
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
3 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
3-Month Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 3 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Share Certificate 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Regular
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificates 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Traditional/Roth IRA
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Business Certificate of Deposit (CD) 3 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3 Month IRA Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 3 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Standard CDs 3 Months
$0
2.82%
▼
Rate2.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Karnes County National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Regular CD 3-Month
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
San Antonio 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$100,001
3.97%
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
UpdatedJun 26, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$50,001
3.92%
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
UpdatedJun 26, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 6 Month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 6 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
6 Month Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificates 6 months
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
6 Months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 6 Months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
970 E Basse Rd, San Antonio, TX 78209
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Limited Time CD Special
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
6 months
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
180 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
6 Month
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
180 Day
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
6 Month Certificate of Deposit
$2,500
2.52%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 Month
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 Month
$0
1.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Balances from $1,000.00 - $9,999.99
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
6 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Special 6-Month Share Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Take advantage of this limited-time savings opportunity and move your financial goals forward.
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Digital Online: 4.16% APY with $25,000 Minimum Deposit
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 6 months
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month CAMPUS
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month Members Advantage
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
Term Share Accounts (CDs) 6 Months
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Minor Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month
$500
3.98%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Special 3.94% APY 6-Month CD! Earn more, faster with our 6-month CD at an impressive 3.94% APY. It's a smart, short-term way to grow your savings with confidence.
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
6 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
6 Month Traditional/Roth IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
6 months Share Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
*APY = Annual Percentage Yield
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Standard CDs 6 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
IRA Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
Regular Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Month IRA Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
San Antonio 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 12 Month
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 12 Month
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 12 Month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Plains State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
8000 Ih West Suite 1507, San Antonio, TX 78230
12 Month CD
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield (APY) is accurate as of August 28, 2025. Rates offered may change without notice. A penalty may be imposed for early withdrawal. Each depositor is FDIC-insured up to applicable limits.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
12 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 12 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
12 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 12 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
12 Month Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
12 Month Share Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
12 Month Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
1 year Jumbo CD
$50,000
3.40%
▼
Rate3.34%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo CD
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
12-Month Fixed IRA Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
13750 San Pedro Ave, San Antonio, TX 78232
12-month fixed-rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificates 12 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
1 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
12 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
1 Year Certificate of Deposit
$2,500
2.50%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
12 Month
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
12 Month Fixed IRA
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA CD
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
12 Month
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
1 year Standard Interest Rate
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
1 year Standard Interest Rate
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 1.51%
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
12 Month
$0
1.23%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Balances from $1,000.00 - $9,999.99
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
12 Month Fixed IRA
$0
0.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA CD
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 12 months
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 12 Month Certificate
$2,000
4.18%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Digital Online: 4.16% APY with $25,000 Minimum Deposit
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Special rate for a limited time.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12-Month Term Share Certificate
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month Members Advantage
$500
4.13%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
High-Rate Jumbo 12-Month CD
$100,000
4.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only. Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$25,000- $99,999
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 12 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
San Antonio 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
18-Month Variable IRA Certificate
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 - 18 Months Flex Share Certificate Special
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
11432 W Loop 1604 N, San Antonio, TX 78254
SuperSaver Certificate 18 Months
$75,000
3.80%
▼
Rate3.74%
Min Deposit$75,000
Min Balance—
UpdatedJul 8, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
18 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 18 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
11432 W Loop 1604 N, San Antonio, TX 78254
SuperSaver Certificate 18 Months
$20,000
3.75%
▼
Rate3.69%
Min Deposit$20,000
Min Balance—
UpdatedJul 8, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
18 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 18 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
11432 W Loop 1604 N, San Antonio, TX 78254
SuperSaver Certificate 18 Months
$5,000
3.69%
▼
Rate3.63%
Min Deposit$5,000
Min Balance—
UpdatedJul 8, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
11432 W Loop 1604 N, San Antonio, TX 78254
SuperSaver Certificate 18 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificates 18 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
18 months
$1,000
3.10%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
18 Month Share Certificate
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
18 Month Share Certificate
$0
2.91%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
18 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
18 Month Share Certificate
$0
2.86%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
18 Month Certificate of Deposit
$2,500
2.25%
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
18 Month Variable IRA
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA CD
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
18 Month Variable IRA
$0
0.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA CD
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
NEW MONEY Certificate of Deposit Special! 18 Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18-Month Term Share Certificate
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
18 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Business Certificate of Deposit (CD) 18 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
IRA Certificate 18 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month Traditional/Roth IRA
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Standard CDs 18 Months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
18 Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 mos. Roth IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 mos. Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18 months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Bump Rate CDs 18 Months
$5,000
3.70%
▼
Rate3.64%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month IRA Certificate
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
18-Month Rate Climber Certificate
$5,000
3.66%
▼
Rate3.60%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 18 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
18 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month Certificate
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
18-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
18-Month Certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
San Antonio 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
24 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 24 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
24 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 24 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificates 24 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
24-Month Fixed IRA Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
2 years Jumbo CD
$50,000
3.10%
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo CD
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
2 years
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 24 Month
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 24 Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
2 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 24 Month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
24 Month
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
24 Month
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
24 Month Fixed IRA
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA CD
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
2 Year Certificate of Deposit
$2,500
1.95%
▼
Rate1.95%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
24 Month
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
24 Month
$0
1.12%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Balances from $1,000.00 - $9,999.99
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
24 Month Fixed IRA
$0
0.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA CD
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 24 Months
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 2 Year
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 24 Month Certificate
$2,000
3.97%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Business Certificate of Deposit (CD) 24 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Compounded & Credited Quarterly
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Standard CDs 24 Months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month Term Share Certificate
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
San Antonio 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
36-Month Variable IRA Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
36 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 36 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
36 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 36 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
36-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificates 36 months
$1,000
3.10%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
3 years Jumbo CD
$50,000
3.10%
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo CD
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 36 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
3 years
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 36 Month
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 36 Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
3 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
36 Month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
36 Month
$0
1.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Balances from $1,000.00 - $9,999.99
Rate4.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3 Year CD
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 13, 2026
Details
EXISTING MEMBER NEW MEMBER
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 3 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
36-month Tier Mini Jumbo
$0
3.85%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Compounded & Credited Quarterly
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
36 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 3 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Standard CDs 36 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
36-month Tier Jumbo
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
36 Month CD
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
36 Month Traditional/Roth IRA
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Jumbo Certificates 3 years
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Business Certificate of Deposit (CD) 36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
San Antonio 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$250,001
3.87%
▼
Rate3.80%
Min Deposit$250,001
Min Balance—
UpdatedJun 26, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$100,001
3.82%
▼
Rate3.75%
Min Deposit$100,001
Min Balance—
UpdatedJun 26, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
48 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 48 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$50,001
3.76%
▼
Rate3.70%
Min Deposit$50,001
Min Balance—
UpdatedJun 26, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
48 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 48 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$1,000
3.71%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
48-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
4 years Jumbo CD
$50,000
3.10%
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo CD
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
4 years
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
4 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificates 48 months
$1,000
2.90%
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 48 Month
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month Share Certificate
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 48 Month
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month Share Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 48 Month
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 4 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Jumbo Certificates 4 years
$0
3.93%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48-month Tier Jumbo
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Junior Jumbo Certificates 4 years
$0
3.83%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Months
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48-month Tier Mini Jumbo
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 4 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48-month Tier
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Standard CDs 48 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Certificates 4 years
$0
3.72%
▼
Rate3.66%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months / 4 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 48 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
CD 48 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
48 Month IRA Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Term Deposit -4 Years
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
San Antonio 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
60 Months
$95,000
4.00%
▼
Rate3.92%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 60 Months
$95,000
4.00%
▼
Rate3.92%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
60 Months
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Account/Certificate of Deposit 60 Months
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
60-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificates 60 months
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
5 years Jumbo CD
$50,000
3.10%
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo CD
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
5 years
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
5 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month Share Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 60 Month
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 60 Month
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month Share Certificate
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 60 Month
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA Share Certificate*
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
60 Month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
60 Month
$0
1.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Balances from $1,000.00 - $9,999.99
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Jumbo Certificates 5 years
$0
4.34%
▼
Rate4.26%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Junior Jumbo Certificates 5 years
$0
4.24%
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Certificates 5 years
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 60 Months
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month IRA Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month Tier Jumbo
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month Tier Mini Jumbo
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month Tier
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit 60 Months Tier
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Standard CDs 60 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 5 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
60 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 5 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
San Antonio, TX CD Rate Trends
Compare local San Antonio, 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
2.421%
▲ 0.072 vs 7 days ago
Texas 12-month CD rates rose 0.072 points over the past 7 days to 2.421% APY.
6-Month CD — TX Avg
2.072%
▲ 0.445 vs 7 days ago
Texas 6-month CD rates rose 0.445 points over the past 7 days to 2.072% APY.
As of Jul 14, 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 July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.421%
6-Month Forecast
2.421%
Range: 2.22% – 2.57%
12-Month Forecast
2.171%
Range: 1.97% – 2.32%
Powered by
MonitorBankRates
What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.006% | $100.28 | $200.55 | $501.38 | $1,002.75 |
| 6-Month CD | 2.072% | $103.59 | $207.17 | $517.93 | $1,035.85 |
| 12-Month CD | 2.421% | $121.03 | $242.06 | $605.15 | $1,210.30 |
| 18-Month CD | 2.587% | $129.36 | $258.72 | $646.80 | $1,293.60 |
| 24-Month CD | 2.744% | $137.18 | $274.35 | $685.88 | $1,371.75 |
| 36-Month CD | 3.322% | $166.09 | $332.17 | $830.43 | $1,660.85 |
| 48-Month CD | 3.285% | $164.26 | $328.51 | $821.28 | $1,642.55 |
| 60-Month CD | 3.321% | $166.03 | $332.05 | $830.13 | $1,660.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 13, 2026. | |||||
Sample CD Ladder for San Antonio, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.006% | $100.28 |
| 2 | 6-Month CD | $5,000 | 2.072% | $103.59 |
| 3 | 12-Month CD | $5,000 | 2.421% | $121.03 |
| 4 | 24-Month CD | $5,000 | 2.744% | $137.18 |
| 5 | 36-Month CD | $5,000 | 3.322% | $166.09 |
| Total ($25,000 invested) | $25,000 | 2.513% blended | $628.17/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,272
CD Rates
Tracked in San Antonio, Texas
Tracked in San Antonio, Texas
32 Banks
84 Credit Unions
About Our San Antonio, Texas CD Rate Database
MonitorBankRates tracks 1,272 CD rates from 32 banks and 84 credit unions with locations in San Antonio, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: UNIFY Financial Federal Credit Union offers a CD at 4.12% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in San Antonio, Texas.
How to Find the Best CD Rates in San Antonio, Texas
What to compare when shopping for a CD in San Antonio, Texas
To find the best APYs in San Antonio, Texas, start with credit unions and online-only banks — San Antonio, Texas has 84 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 San Antonio, 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 San Antonio, Texas — 116 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → San Antonio, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → San Antonio, Texas money market rates
San Antonio, Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$36,669
National avg: $47,340
Poverty Rate
17.1%
National avg: 11.1%
Unemployment Rate
6.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$89/yr
At TX 12-mo avg 2.421% APY
13.4% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.421%, saving 10% of the local median salary ($3,666/year) and putting it in a CD would earn an additional $89 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 San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, Texas as everywhere in the U.S.
Choosing a CD Term in San Antonio, 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 San Antonio, Texas savers easier access to their funds. For example, Synergy Federal Credit Union is offering its Share Certificates (6 months) at 3.97% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, GREATER TEXAS is offering its 60 Months at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a San Antonio, 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 San Antonio, Texas
Are CD rates in San Antonio, Texas FDIC insured?
Yes, most established banks in San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, Texas?
Here are recent top rates found for this area:
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable IRA Certificate)
- Nizari Progressive Federal Credit Union: 4.07% APY (Momentum Share Certificate 3 Month)
- Synergy Federal Credit Union: 4.02% APY (IRA Certificates (3 months))
- GREATER TEXAS: 4.00% APY (60 Months)
- HEB Federal Credit Union: 4.00% APY (6 - 18 Months Flex Share Certificate Special)
- Plains State Bank: 3.82% APY (12 Month CD)
- Randolph Brooks FCU: 3.80% APY (SuperSaver Certificate 18 Months)
- Frost Bank: 3.55% APY (90 Day)
- Generations Community Federal Credit Union: 3.55% APY (Regular Certificates 6 months)
- Farm Bureau Bank FSB: 3.40% APY (1 year Jumbo CD)
Rates reflect recent verified offers available in San Antonio, Texas. Last Updated: July 13, 2026
CD Calculators for San Antonio, Texas
San Antonio, Texas CD Calculator
At today’s TX top rate of 4.12% APY, a $10,000 deposit earns $412 in the first year. Enter your amount to see your exact return.
San Antonio, Texas CD LadderTX CD rates currently range from 2.006% (3-month) to 3.322% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a San Antonio, Texas CD at 4.12% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.421% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Antonio, 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 San Antonio, 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 San Antonio, 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: July 13, 2026
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