MonitorBankRates
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San Antonio, Texas Best CD Rates September 2026

Current San Antonio, Texas CD rates include Crescent BankCrescent Bank7410 Blanco Rd, San Antonio, TX 78216C4.0 ★Texas Ratio: 27.16%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, Farm Bureau Bank FSBFarm Bureau Bank FSB17300 Henderson Pass, San Antonio, TX 78232A+5.0 ★Texas Ratio: 2.42%Real return: +1.35%APY minus CPI (February 2026) offering FB-Org Certificate of Deposit [CD] 1 year at 4.15% APY, Synergy Federal Credit UnionSynergy Federal Credit Union1 Valero Way, San Antonio, TX 78249 1616A+5.0 ★Texas Ratio: 0.96%Real return: +1.27%APY minus CPI (February 2026) offering IRA Certificates (1 year) at 4.07% APY, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX 78247A+5.0 ★Texas Ratio: 2.09%Real return: +1.22%APY minus CPI (February 2026) offering IRA Share Certificate 12 Month at 4.02% 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 September 1, 2026 according to verified data from MonitorBankRates.

San Antonio has 240 local institutions in our database, with CD rates as high as 4.25% APY from Crescent Bank at 7410 Blanco Rd, San Antonio, TX 78216. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 2026

Compare Best CD Rates in San Antonio, Texas & the Surrounding Area

San Antonio 3 Month CD Rates

National 3 Month CD Average1.96% APY▲ 0.02% from last week
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 (3 months)
$100,001
3.92% ▲ 1.96% above national avg
Rate3.85%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.96% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (3 months)
$50,001
3.87% ▲ 1.91% above national avg
Rate3.80%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.91% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (3 months)
$1,000
3.82% ▲ 1.86% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.86% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
3-Month CD
$0
3.75% ▲ 1.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
90 Day
$0
3.60% ▲ 1.64% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details

$500,000+

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
90 Day Jumbo CD
$0
3.60% ▲ 1.64% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details

Jumbo CDs are for $500,000 and over. Annual Percentage Yield effective as of 08/24/2026. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account.

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
90 Day
$0
3.35% ▲ 1.39% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
90 Day
$0
3.05% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.09% above avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo Certificates of Deposit - 3 Months
$90,000
3.05% ▲ 1.09% above national avg
Rate3.02%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.09% above avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1177 Ne Loop 410, San Antonio, TX 78209
3 Months
$1,000
2.85% ▲ 0.89% above national avg
Rate2.82%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.89% above avg
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% ▲ 0.82% above national avg
Rate2.75%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.82% above avg
Details

(a)

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% ▼ 0.81% below national avg
Rate1.14%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.81% below avg
Details

HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
3 Month
$0
0.81% ▼ 1.15% below national avg
Rate0.81%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.15% below avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 3 Months
$1,000
0.75% ▼ 1.21% below national avg
Rate0.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.21% below avg
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
Term Share Certificates/Certificates of Deposit - 3 Months
$1,000
0.75% ▼ 1.21% below national avg
Rate0.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.21% below avg
Details

JUMBO $95,000+

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3-month term
$0
0.60% ▼ 1.36% below national avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3-month term Standard CDs
$0
0.60% ▼ 1.36% below national avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details

Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3-month term Standard CDs Rewards
$0
0.60% ▼ 1.36% below national avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details

Regular APY 0.50% Dividend Rate 0.50%

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX 78209
90 Days
$0
0.11% ▼ 1.85% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.85% below avg
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
3 month Standard Fixed Rate CD
$2,500
0.06% ▼ 1.90% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.90% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.91% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
3 month Standard Interest Rate
$2,500
0.05% ▼ 1.91% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details

Relationship Interest Rate 0.06%

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
90 Days
$0
4.13% ▲ 2.17% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.17% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00% ▲ 2.04% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.04% above avg
Details

Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day
$1,000
3.90% ▲ 1.94% above national avg
Rate3.84%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.94% above avg
Details

Compounded: ; Credited: At Maturity

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.89% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details

Special Offer. balances under $100k

Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3-Month CD
$0
3.80% ▲ 1.84% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day
$0
3.80% ▲ 1.84% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.84% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3-Month Certificate
$0
3.75% ▲ 1.79% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.65% ▲ 1.69% above national avg
Rate3.60%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.69% above avg
Details

FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
90 Day
$0
3.55% ▲ 1.59% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details

Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.51% ▲ 1.55% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
3-Month Certificate
$0
3.51% ▲ 1.55% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Month Certificate
$0
3.50% ▲ 1.54% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 3 Month
$0
3.50% ▲ 1.54% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details

$95,000

Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Month CD
$1,000
3.50% ▲ 1.54% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$1,000
3.45% ▲ 1.49% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.49% above avg
Details

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40% ▲ 1.44% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details

Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.40% ▲ 1.44% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.39% ▲ 1.43% above national avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.43% above avg
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months CD
$1,000
3.35% ▲ 1.39% above national avg
Rate3.31%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

A penalty may be imposed for early withdrawal

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months IRA
$1,000
3.35% ▲ 1.39% above national avg
Rate3.31%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

A penalty may be imposed for early withdrawal

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35% ▲ 1.39% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificates 3-Month
$0
3.35% ▲ 1.39% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.30% ▲ 1.34% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30% ▲ 1.34% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CD - 3 Month
$225,000
3.29% ▲ 1.33% above national avg
Rate3.25%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.33% above avg
Details

FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
90 Day CD
$0
3.29% ▲ 1.33% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.33% above avg
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Month
$0
3.25% ▲ 1.29% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details

A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.

San Antonio 6 Month CD Rates

National 6 Month CD Average2.67% APY▲ 0.03% from last week
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
IRA Certificates (6 months)
$100,001
4.07% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$50,001
4.02% ▲ 1.35% above national avg
Rate3.95%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$1,000
3.97% ▲ 1.30% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.30% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$100,001
3.97% ▲ 1.30% above national avg
Rate3.90%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.30% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$50,001
3.92% ▲ 1.25% above national avg
Rate3.85%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.25% above avg
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 6 Month
$0
3.92% ▲ 1.25% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.25% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
6-Month CD
$0
3.90% ▲ 1.23% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$1,000
3.87% ▲ 1.20% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.20% above avg
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 6 Month
$0
3.87% ▲ 1.20% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.20% above avg
Details

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% ▲ 1.15% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details

Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9324 Huebner Rd, San Antonio, TX 78240
6-month CD
$0
3.65% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details

New Money

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificate 6 months
$0
3.65% ▲ 0.98% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
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
6 Month Share Certificate
$0
3.61% ▲ 0.94% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificate 6 months
$1,000
3.55% ▲ 0.88% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
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.

Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9324 Huebner Rd, San Antonio, TX 78240
6-month CD
$0
3.50% ▲ 0.83% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

New Money

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 6 Months
$1,000
3.50% ▲ 0.83% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
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
Term Share Certificates/Certificates of Deposit - 6 Months
$1,000
3.50% ▲ 0.83% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

JUMBO $95,000+

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% ▲ 0.73% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details

Limited Time CD Special

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
6 Months
$0
3.25% ▲ 0.58% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
180 Day
$0
3.10% ▲ 0.43% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
6 Month Certificate
$0
2.70% ▲ 0.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.03% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
180 Day
$0
2.70% ▲ 0.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.03% above avg
Details

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% ▼ 0.15% below national avg
Rate2.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.15% below avg
Details

(a)

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX 78209
180 Days
$0
1.55% ▼ 1.12% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.12% below avg
Details

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% ▼ 1.12% below national avg
Rate1.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.12% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX 78209
6 Months
$0
1.50% ▼ 1.17% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1177 Ne Loop 410, San Antonio, TX 78209
6 Months
$1,000
1.50% ▼ 1.17% below national avg
Rate1.49%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo Certificates of Deposit - 6 Months
$90,000
1.50% ▼ 1.17% below national avg
Rate1.49%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
6-month term
$0
1.35% ▼ 1.32% below national avg
Rate1.34%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
6-month term Standard CDs
$0
1.35% ▼ 1.32% below national avg
Rate1.34%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details

Rewards APY 1.35% Regular APY 1.25% Dividend Rate 1.24%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
6-month term Standard CDs Rewards
$0
1.35% ▼ 1.32% below national avg
Rate1.34%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details

Regular APY 1.25% Dividend Rate 1.24%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
6-month term
$0
1.25% ▼ 1.42% below national avg
Rate1.24%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.42% below avg
Details

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% ▼ 1.58% below national avg
Rate1.09%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.58% below avg
Details

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% ▼ 2.61% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.61% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.62% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
6 month Standard Interest Rate
$2,500
0.05% ▼ 2.62% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details

Relationship Interest Rate 0.05%

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 3)
$99,000
4.20% ▲ 1.53% above national avg
Rate4.11%
Min Deposit$99,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 3)
$0
4.20% ▲ 1.53% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details

Balance: $99,000.00 or greater

Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 Month CD Offer
$0
4.18% ▲ 1.51% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
6 Months
$0
4.18% ▲ 1.51% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details

Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
6 Months
$0
4.18% ▲ 1.51% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.51% above avg
Details

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
6 Month CD
$0
4.16% ▲ 1.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.49% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 2)
$0
4.10% ▲ 1.43% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details

Balance: $50,000.00- $98,999.99

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 2)
$0
4.10% ▲ 1.43% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details

Balance: $50,000.00- $98,999.99

Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD
$1,000
4.07% ▲ 1.40% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

APY: Annual Percentage Yield. CD rates based upon in-house rates accurate as of June 22, 2026. A minimum daily balance of $1,000.00 must be maintained for 6-month IRA CD advertised at 4.07% APY. To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$250
4.07% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$250
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

Age: 0-17

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
4.07% ▲ 1.40% above national avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
6 Month
$0
4.07% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
180 Day
$1,000
4.05% ▲ 1.38% above national avg
Rate4.01%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details

Compounded: ; Credited: At Maturity

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
180 Day EZ Saver
$50
4.05% ▲ 1.38% above national avg
Rate4.01%
Min Deposit$50
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details

Compounded: ; Credited: At Maturity

San Antonio 12 Month CD Rates

National 12 Month CD Average2.83% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
FB-Org Certificate of Deposit [CD] 1 year
$1,000
4.15% ▲ 1.32% above national avg
Rate4.07%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$250,001
4.07% ▲ 1.24% above national avg
Rate4.00%
Min Deposit$250,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details

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% ▲ 1.19% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.19% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$100,001
4.02% ▲ 1.19% above national avg
Rate3.95%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.19% above avg
Details

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% ▲ 1.14% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.14% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$50,001
3.97% ▲ 1.14% above national avg
Rate3.90%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.14% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$1,000
3.92% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.09% above avg
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 12 Month
$0
3.92% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.09% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
12-Month CD
$0
3.85% ▲ 1.02% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details

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% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.99% above avg
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
IRA Term Share Accounts/Certificates of Deposit - 12 Months
$0
3.75% ▲ 0.92% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
Term Share Certificates/Certificates of Deposit - 12 Months
$0
3.75% ▲ 0.92% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
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 Accounts/Certificates of Deposit - 12 Months
$1,000
3.70% ▲ 0.87% above national avg
Rate3.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
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
Term Share Certificates/Certificates of Deposit - 12 Months
$1,000
3.70% ▲ 0.87% above national avg
Rate3.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
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% ▲ 0.78% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.78% above avg
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% ▲ 0.73% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
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% ▲ 0.68% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
1 Year
$0
3.50% ▲ 0.67% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificate 12 months
$0
3.10% ▲ 0.27% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.27% above avg
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.

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
12 Month
$0
3.00% ▲ 0.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificate 12 months
$1,000
3.00% ▲ 0.17% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
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 Certificate
$0
2.90% ▲ 0.07% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.07% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
12 Month
$0
2.55% ▼ 0.28% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.28% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
IRA CD - 12 Month Fixed
$0
2.55% ▼ 0.28% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.28% below avg
Details

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% ▼ 0.33% below national avg
Rate2.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.33% below avg
Details

(a)

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% ▼ 1.08% below national avg
Rate1.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.08% below avg
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
1 year Standard Fixed Rate CD
$2,500
1.51% ▼ 1.32% below national avg
Rate1.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.32% below national avg
Rate1.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details

Relationship APY 1.51%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.33% below national avg
Rate1.49%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details

Relationship APY 1.51%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
1 year Standard Interest Rate
$2,500
1.50% ▼ 1.33% below national avg
Rate1.49%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details

Relationship Interest Rate 1.50%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
12-month term
$0
1.40% ▼ 1.43% below national avg
Rate1.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
12-month term Standard CDs
$0
1.40% ▼ 1.43% below national avg
Rate1.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details

Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
12-month term Standard CDs Rewards
$0
1.40% ▼ 1.43% below national avg
Rate1.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details

Regular APY 1.30% Dividend Rate 1.29%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
12-month term Standard IRA CDs
$0
1.40% ▼ 1.43% below national avg
Rate1.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details

Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
12-month term Standard IRA CDs Rewards
$0
1.40% ▼ 1.43% below national avg
Rate1.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details

Regular APY 1.30% Dividend Rate 1.29%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard IRA CDs 12-month term
$0
1.40% ▼ 1.43% below national avg
Rate1.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
12-month term
$0
1.30% ▼ 1.53% below national avg
Rate1.29%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.53% below avg
Details

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% ▼ 1.60% below national avg
Rate1.22%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.60% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX 78209
1 Year
$0
0.15% ▼ 2.68% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.68% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
IRA CD - 12 Month Fixed
$0
0.03% ▼ 2.80% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.80% below avg
Details

Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Months
$0
4.34% ▲ 1.51% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 3)
$99,000
4.34% ▲ 1.51% above national avg
Rate4.25%
Min Deposit$99,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 3)
$0
4.34% ▲ 1.51% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.51% above avg
Details

Balance: $99,000.00 or greater

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12 Months
$0
4.28% ▲ 1.45% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.45% above avg
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 2)
$0
4.24% ▲ 1.41% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details

Balance: $50,000.00 - $98,999.99

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 2)
$0
4.24% ▲ 1.41% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details

Balance: $50,000.00 - $98,999.99

Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
12 Months
$0
4.24% ▲ 1.41% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.41% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$90,000
4.18% ▲ 1.35% above national avg
Rate4.10%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month Certificate
$2,000
4.18% ▲ 1.35% above national avg
Rate4.10%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 12 Month Certificate
$2,000
4.18% ▲ 1.35% above national avg
Rate4.10%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details

San Antonio 18 Month CD Rates

National 18 Month CD Average2.68% APY▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 - 18 Months Flex Share Certificate Special
$0
4.00% ▲ 1.32% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month Certificate
$0
3.80% ▲ 1.12% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$0
3.80% ▲ 1.12% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
Term Share Certificates/Certificates of Deposit - 18 Months
$0
3.80% ▲ 1.12% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

JUMBO

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month Certificate
$0
3.75% ▲ 1.07% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$1,000
3.75% ▲ 1.07% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
Term Share Certificates/Certificates of Deposit - 18 Months
$1,000
3.75% ▲ 1.07% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

JUMBO $95,000+

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
18-Month CD
$0
3.70% ▲ 1.02% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month Certificate
$0
3.69% ▲ 1.01% above national avg
Rate3.63%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.01% above avg
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month Certificate
$0
3.65% ▲ 0.97% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
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 month
$1,000
3.65% ▲ 0.97% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details

APY assumes dividends are added back to the certificate. Penalty for early withdrawal may reduce earnings.

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificate 18 months
$0
3.60% ▲ 0.92% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
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.

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificate 18 months
$1,000
3.50% ▲ 0.82% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
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.

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
18 Months
$0
3.45% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18-month term
$0
3.45% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18-month term CD Specials
$0
3.45% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18-month term CD Specials Rewards
$0
3.45% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18-month term IRA CD Specials
$0
3.45% ▲ 0.77% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18-month term IRA CD Specials Rewards
$0
3.45% ▲ 0.77% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
IRA CD Specials - 18-month term
$0
3.45% ▲ 0.77% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

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% ▲ 0.28% above national avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.28% above avg
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% ▲ 0.23% above national avg
Rate2.87%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.23% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
18 Month Certificate
$0
2.90% ▲ 0.22% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.22% above avg
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% ▲ 0.18% above national avg
Rate2.82%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.18% above avg
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% ▼ 0.43% below national avg
Rate2.25%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.43% below avg
Details

(a)

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX 78209
18 Months
$0
2.05% ▼ 0.63% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.63% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1177 Ne Loop 410, San Antonio, TX 78209
18 Months
$1,000
1.50% ▼ 1.18% below national avg
Rate1.49%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo Certificates of Deposit - 18 Months
$90,000
1.50% ▼ 1.18% below national avg
Rate1.49%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo IRA / SEPP 18 Months
$90,000
1.50% ▼ 1.18% below national avg
Rate1.49%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1177 Ne Loop 410, San Antonio, TX 78209
Variable - 18 Months
$100
1.50% ▼ 1.18% below national avg
Rate1.49%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
IRA CD - 18 Month Variable
$0
0.75% ▼ 1.93% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.93% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
IRA CD - 18 Month Variable
$0
0.03% ▼ 2.65% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.65% below avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month CD
$0
4.30% ▲ 1.62% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.62% above avg
Details

APY as high as

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
18 Month
$1,000
4.15% ▲ 1.47% above national avg
Rate4.09%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Business 18-Month Term Share Certificate
$1,000
4.10% ▲ 1.42% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Term Share Certificate
$1,000
4.07% ▲ 1.39% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.39% above avg
Details

Dividends Compounded Monthly Dividends Credited Monthly Renewal Automatic with 10-day grace period

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18-month Certificate
$1,000
4.05% ▲ 1.37% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details

Minimum to Avoid Service Charge: $0

Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Months Add-On IRA
$0
4.03% ▲ 1.35% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.35% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Super Jumbo Certificate
$225,000
4.01% ▲ 1.33% above national avg
Rate3.95%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.33% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00% ▲ 1.32% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95% ▲ 1.27% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95% ▲ 1.27% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Jumbo Certificate
$95,000
3.91% ▲ 1.23% above national avg
Rate3.85%
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share Certificate (CD) 18 month
$100,000
3.91% ▲ 1.23% above national avg
Rate3.85%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 18 Months
$0
3.91% ▲ 1.23% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month
$1,000
3.90% ▲ 1.22% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.85% ▲ 1.17% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month
$0
3.85% ▲ 1.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month CD
$0
3.85% ▲ 1.17% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month Traditional/Roth IRA
$0
3.85% ▲ 1.17% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

San Antonio 24 Month CD Rates

National 24 Month CD Average2.71% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
7410 Blanco Rd, San Antonio, TX 78216
24-month CD
$1,000
4.25% ▲ 1.54% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$0
3.80% ▲ 1.09% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
Term Share Certificates/Certificates of Deposit - 24 Months
$0
3.80% ▲ 1.09% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$1,000
3.75% ▲ 1.04% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
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
Term Share Certificates/Certificates of Deposit - 24 Months
$1,000
3.75% ▲ 1.04% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

JUMBO $95,000+

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
24-Month CD
$0
3.60% ▲ 0.89% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificate 24 months
$0
3.60% ▲ 0.89% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
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.

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificate 24 months
$1,000
3.50% ▲ 0.79% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
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.

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
2 Years
$0
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
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% ▲ 0.28% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.28% above avg
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% ▲ 0.28% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.28% above avg
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
2.94% ▲ 0.23% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.23% above avg
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
2.94% ▲ 0.23% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.23% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
2 Year Certificate
$0
2.90% ▲ 0.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
24 Month
$0
2.90% ▲ 0.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details

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% ▲ 0.18% above national avg
Rate2.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.18% above avg
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% ▲ 0.18% above national avg
Rate2.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.18% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24-month term
$0
2.60% ▼ 0.11% below national avg
Rate2.57%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24-month term Standard CDs
$0
2.60% ▼ 0.11% below national avg
Rate2.57%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details

Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24-month term Standard CDs Rewards
$0
2.60% ▼ 0.11% below national avg
Rate2.57%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details

Regular APY 2.34% Dividend Rate 2.32%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24-month term Standard IRA CDs
$0
2.60% ▼ 0.11% below national avg
Rate2.57%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details

Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24-month term Standard IRA CDs Rewards
$0
2.60% ▼ 0.11% below national avg
Rate2.57%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details

Regular APY 2.34% Dividend Rate 2.32%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard IRA CDs 24-month term
$0
2.60% ▼ 0.11% below national avg
Rate2.57%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
24 Month
$0
2.40% ▼ 0.31% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.31% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
IRA CD - 24 Month Fixed
$0
2.40% ▼ 0.31% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.31% below avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24-month term
$0
2.34% ▼ 0.37% below national avg
Rate2.32%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.37% below avg
Details

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% ▼ 0.76% below national avg
Rate1.95%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.76% below avg
Details

(a)

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% ▼ 1.11% below national avg
Rate1.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.11% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX 78209
2 Years
$0
1.55% ▼ 1.16% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.16% below avg
Details

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% ▼ 1.59% below national avg
Rate1.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.59% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
IRA CD - 24 Month Fixed
$0
0.03% ▼ 2.68% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.68% below avg
Details

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
24 Months
$0
4.44% ▲ 1.73% above national avg
Rate4.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.73% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month CD
$0
4.30% ▲ 1.59% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.59% above avg
Details

APY as high as

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$90,000
4.28% ▲ 1.57% above national avg
Rate4.20%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.57% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
24 Month
$1,000
4.20% ▲ 1.49% above national avg
Rate4.14%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.49% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 24 Months
$0
4.20% ▲ 1.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.49% above avg
Details

Callable CD

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$25,000
4.18% ▲ 1.47% above national avg
Rate4.10%
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.47% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10% ▲ 1.39% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$1,000
4.07% ▲ 1.36% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.36% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
2 Years
$10,000
4.05% ▲ 1.34% above national avg
Rate3.97%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details

Compounded: Daily, Credited: At Maturity

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05% ▲ 1.34% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details

Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 Months
$0
4.03% ▲ 1.32% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.32% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
2 Year
$0
4.02% ▲ 1.31% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.31% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1 to 2 Years
$1,000
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 90 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 1 to 2 Years
$1,000
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
24 Month Certificate
$2,000
3.97% ▲ 1.26% above national avg
Rate3.90%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 24 Month Certificate
$2,000
3.97% ▲ 1.26% above national avg
Rate3.90%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$95,000
3.97% ▲ 1.26% above national avg
Rate
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 2 Year
$0
3.92% ▲ 1.21% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.21% above avg
Details

San Antonio 36 Month CD Rates

National 36 Month CD Average2.66% APY▲ 0.03% from last week
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
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$0
3.80% ▲ 1.15% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
Term Share Certificates/Certificates of Deposit - 36 Months
$0
3.80% ▲ 1.15% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$1,000
3.75% ▲ 1.10% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
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
Term Share Certificates/Certificates of Deposit - 36 Months
$1,000
3.75% ▲ 1.10% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

JUMBO $95,000+

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
36-Month CD
$0
3.40% ▲ 0.75% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
3 Years
$0
3.35% ▲ 0.70% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificate 36 months
$0
3.20% ▲ 0.55% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
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.

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificate 36 months
$1,000
3.10% ▲ 0.45% above national avg
Rate3.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
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
36 Month Share Certificate
$0
3.04% ▲ 0.39% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
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% ▲ 0.39% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
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% ▲ 0.34% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
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% ▲ 0.34% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
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
2.94% ▲ 0.29% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.29% above avg
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% ▲ 0.29% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.29% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
3 Year Certificate
$0
2.90% ▲ 0.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.25% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36-month term
$0
2.75% ▲ 0.10% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36-month term Standard CDs
$0
2.75% ▲ 0.10% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details

Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36-month term Standard CDs Rewards
$0
2.75% ▲ 0.10% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details

Regular APY 2.49% Dividend Rate 2.47%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36-month term Standard IRA CDs
$0
2.75% ▲ 0.10% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details

Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36-month term Standard IRA CDs Rewards
$0
2.75% ▲ 0.10% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details

Regular APY 2.49% Dividend Rate 2.47%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard IRA CDs 36-month term
$0
2.75% ▲ 0.10% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36-month term
$0
2.49% ▼ 0.16% below national avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX 78209
3 Years
$0
1.55% ▼ 1.10% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.10% below avg
Details

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% ▼ 1.15% below national avg
Rate1.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.15% below avg
Details

HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
36 Month
$0
1.05% ▼ 1.60% below national avg
Rate1.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.60% below avg
Details

Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
36 Months
$0
4.49% ▲ 1.84% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.84% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month CD
$0
4.40% ▲ 1.75% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.75% above avg
Details

APY as high as

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$90,000
4.18% ▲ 1.53% above national avg
Rate4.10%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.53% above avg
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 36 Months / 3 Years
$0
4.15% ▲ 1.50% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
36 Month
$1,000
4.10% ▲ 1.44% above national avg
Rate4.04%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10% ▲ 1.44% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$25,000
4.07% ▲ 1.42% above national avg
Rate4.00%
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$95,000
4.07% ▲ 1.42% above national avg
Rate
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05% ▲ 1.40% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
3 Years
$10,000
4.00% ▲ 1.35% above national avg
Rate3.92%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Compounded: Daily, Credited: At Maturity

Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 36 Months
$0
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
2 to 3 Years
$1,000
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 2 to 3 Years
$1,000
4.00% ▲ 1.35% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$1,000
3.97% ▲ 1.32% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$500
3.97% ▲ 1.32% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3 Year
$0
3.97% ▲ 1.32% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36-Month Super Jumbo Certificate
$225,000
3.96% ▲ 1.31% above national avg
Rate3.90%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
3.95% ▲ 1.30% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95% ▲ 1.30% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$95,000
3.92% ▲ 1.27% above national avg
Rate
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month IRA Share CD
$0
3.92% ▲ 1.27% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month Jumbo Share CD
$0
3.92% ▲ 1.27% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.27% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$1,000
3.90% ▲ 1.25% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details

San Antonio 48 Month CD Rates

National 48 Month CD Average2.66% APY▲ 0.04% from last week
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
IRA Certificates (4 year)
$100,001
3.97% ▲ 1.31% above national avg
Rate3.90%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$50,001
3.92% ▲ 1.26% above national avg
Rate3.85%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$1,000
3.87% ▲ 1.21% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$100,001
3.87% ▲ 1.21% above national avg
Rate3.80%
Min Deposit$100,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$50,001
3.82% ▲ 1.16% above national avg
Rate3.75%
Min Deposit$50,001
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$0
3.80% ▲ 1.14% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
Term Share Certificates/Certificates of Deposit - 48 Months
$0
3.80% ▲ 1.14% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

JUMBO

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$1,000
3.76% ▲ 1.10% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$1,000
3.75% ▲ 1.09% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
Term Share Certificates/Certificates of Deposit - 48 Months
$1,000
3.75% ▲ 1.09% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

JUMBO $95,000+

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
48-Month CD
$0
3.35% ▲ 0.69% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificate 48 months
$0
3.00% ▲ 0.34% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
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
4 Year Certificate
$0
2.90% ▲ 0.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificate 48 months
$1,000
2.90% ▲ 0.24% above national avg
Rate2.86%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
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.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term
$0
2.90% ▲ 0.24% above national avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term Standard CDs
$0
2.90% ▲ 0.24% above national avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details

Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term Standard CDs Rewards
$0
2.90% ▲ 0.24% above national avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details

Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term Standard IRA CDs
$0
2.90% ▲ 0.24% above national avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details

Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term Standard IRA CDs Rewards
$0
2.90% ▲ 0.24% above national avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details

Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard IRA CDs 48-month term
$0
2.90% ▲ 0.24% above national avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term
$0
2.64% ▼ 0.02% below national avg
Rate2.61%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.02% below avg
Details

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% ▼ 0.23% below national avg
Rate2.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.23% below avg
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% ▼ 0.23% below national avg
Rate2.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.23% below avg
Details

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% ▼ 0.28% below national avg
Rate2.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.28% below avg
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% ▼ 0.28% below national avg
Rate2.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.28% below avg
Details

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% ▼ 0.34% below national avg
Rate2.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.34% below avg
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% ▼ 0.34% below national avg
Rate2.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.34% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX 78209
4 Years
$0
1.55% ▼ 1.11% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.11% below avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$90,000
4.18% ▲ 1.52% above national avg
Rate4.10%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.52% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
48 Month
$1,000
4.15% ▲ 1.49% above national avg
Rate4.09%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 48 Months / 4 Years
$0
4.15% ▲ 1.49% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$25,000
4.07% ▲ 1.41% above national avg
Rate4.00%
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.41% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Super Jumbo Certificate
$225,000
4.01% ▲ 1.35% above national avg
Rate3.95%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 48 Months
$0
4.00% ▲ 1.34% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
3 to 4 Years
$1,000
4.00% ▲ 1.34% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 3 to 4 Years
$1,000
4.00% ▲ 1.34% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$1,000
3.97% ▲ 1.31% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
4 Year
$0
3.97% ▲ 1.31% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Jumbo Certificate
$95,000
3.91% ▲ 1.25% above national avg
Rate3.85%
Min Deposit$95,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.90% ▲ 1.24% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
Details

Balance: $500,000.01 or greater

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.90% ▲ 1.24% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates - 4 Year
$0
3.87% ▲ 1.21% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 4 Year
$0
3.87% ▲ 1.21% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 48 Months
$0
3.86% ▲ 1.20% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.85% ▲ 1.19% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details

Balance: $100,000.01 - $500,000.00

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.85% ▲ 1.19% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48-month IRA
$0
3.85% ▲ 1.19% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 4 Year
$0
3.82% ▲ 1.16% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 48 Month
$100
3.80% ▲ 1.14% above national avg
Rate3.75%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Share Certificate
$1,000
3.80% ▲ 1.14% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details

San Antonio 60 Month CD Rates

National 60 Month CD Average2.76% APY▲ 0.03% from last week
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
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$0
4.00% ▲ 1.24% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
Term Share Certificates/Certificates of Deposit - 60 Months
$0
4.00% ▲ 1.24% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$1,000
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
Term Share Certificates/Certificates of Deposit - 60 Months
$1,000
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details

JUMBO $95,000+

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
5 Years
$0
3.40% ▲ 0.64% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificate 60 months
$0
3.35% ▲ 0.59% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
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.

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1100 NW Loop 410, San Antonio, TX 78213
Regular Certificate 60 months
$1,000
3.35% ▲ 0.59% above national avg
Rate3.30%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
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.

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
60-Month CD
$0
3.25% ▲ 0.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term
$0
3.10% ▲ 0.34% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term Standard CDs
$0
3.10% ▲ 0.34% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details

Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term Standard CDs Rewards
$0
3.10% ▲ 0.34% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details

Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term Standard IRA CDs
$0
3.10% ▲ 0.34% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details

Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term Standard IRA CDs Rewards
$0
3.10% ▲ 0.34% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details

Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard IRA CDs 60-month term
$0
3.10% ▲ 0.34% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
19500 Bulverde Rd, San Antonio, TX 78259
5 Year Certificate
$0
2.90% ▲ 0.14% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.14% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term
$0
2.84% ▲ 0.08% above national avg
Rate2.81%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.08% above avg
Details

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% ▼ 0.28% below national avg
Rate2.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.28% below avg
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% ▼ 0.28% below national avg
Rate2.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.28% below avg
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
2.43% ▼ 0.33% below national avg
Rate2.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.33% below avg
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
2.43% ▼ 0.33% below national avg
Rate2.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.33% below avg
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% ▼ 0.38% below national avg
Rate2.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.38% below avg
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% ▼ 0.38% below national avg
Rate2.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.38% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX 78209
5 Years
$0
1.55% ▼ 1.21% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.21% below avg
Details

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% ▼ 1.26% below national avg
Rate1.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.26% below avg
Details

HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
60 Month
$0
1.05% ▼ 1.71% below national avg
Rate1.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.71% below avg
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 60 Months
$0
4.50% ▲ 1.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.74% above avg
Details

Callable CD

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
60 Month
$1,000
4.20% ▲ 1.44% above national avg
Rate4.14%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.44% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$90,000
4.18% ▲ 1.42% above national avg
Rate4.10%
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.42% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 60 Months
$0
4.11% ▲ 1.35% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.35% above avg
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.10% ▲ 1.34% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month IRA Special
$0
4.10% ▲ 1.34% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Jumbo
$100,000
4.10% ▲ 1.34% above national avg
Rate4.03%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$25,000
4.07% ▲ 1.31% above national avg
Rate4.00%
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.31% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60-Month Super Jumbo Certificate
$225,000
4.06% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$225,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.30% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05% ▲ 1.29% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$50,000
4.05% ▲ 1.29% above national avg
Rate3.98%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month IRA Share CD
$0
4.02% ▲ 1.26% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.26% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jumbo Share CD
$0
4.02% ▲ 1.26% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.26% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
4.00% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $500,000.01 or greater

Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
4.00% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month Tier
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
4 to 5 Years
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
5 Years
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 4 to 5 Years
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 5 Years
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details

Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$1,000
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jr Jumbo Share CD
$0
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details

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.

Top CD Rates from San Antonio, Texas Institutions

Highest verified APYs available today — updated September 1, 2026

B Top 5 Bank Rates
Crescent Bank
24-month CD
C 4.0 ★ TX: 27.16%
Min: $1,000
4.25%
Farm Bureau Bank FSB
FB-Org Certificate of Deposit [CD] 1 year
A+ 5.0 ★ TX: 2.42%
Min: $1,000
4.15%
GREATER TEXAS
IRA Term Share Accounts/Certificates of Deposit - 60 Months
A 5.0 ★ TX: 6.70%
Min: $0
4.00%
Susser Bank
6-Month CD
A+ 5.0 ★ TX: 5.25%
Min: $0
3.90%
Plains State Bank
12 Month CD
A+ 5.0 ★ TX: 5.75%
Min: $1,000
3.82%
CU Top 5 Credit Union Rates
Synergy Federal Credit Union
IRA Certificates (1 year)
A+ 5.0 ★ TX: 0.96%
Min: $250,001
4.07%
Nizari Progressive Federal Credit Union
IRA Share Certificate 12 Month
A+ 5.0 ★ TX: 2.09%
Min: $0
4.02%
HEB Federal Credit Union
6 - 18 Months Flex Share Certificate Special
A+ 5.0 ★ TX: 0.72%
Min: $0
4.00%
Randolph Brooks FCU
18 Month Certificate
A+ 5.0 ★ TX: 4.42%
Min: $0
3.80%
Generations Community Federal Credit Union
Jumbo Certificate 6 months
A+ 5.0 ★ TX: 5.60%
Min: $0
3.65%
Rates verified September 1, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

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.

View Full Texas CD Trends
12-Month CD — TX Avg
2.833%
▲ 0.578 vs 7 days ago

Texas 12-month CD rates rose 0.578 points over the past 7 days to 2.833% APY.

6-Month CD — TX Avg
2.672%
▲ 0.862 vs 7 days ago

Texas 6-month CD rates rose 0.862 points over the past 7 days to 2.672% APY.

As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

TX CD Rate Forecast — Next 12 Months

Where are Texas CD rates headed through September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

TX 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Texas average 12-month CD APY in our database.

Spread model: The Texas 12-month CD average currently trades 1.54% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 1.964% $98.19 $196.38 $490.95 $981.90
6-Month CD 2.672% $133.62 $267.23 $668.08 $1,336.15
12-Month CD 2.833% $141.64 $283.28 $708.20 $1,416.40
18-Month CD 2.677% $133.84 $267.67 $669.18 $1,338.35
24-Month CD 2.711% $135.57 $271.14 $677.85 $1,355.70
36-Month CD 2.655% $132.75 $265.50 $663.75 $1,327.50
48-Month CD 2.657% $132.83 $265.66 $664.15 $1,328.30
60-Month CD 2.760% $138.00 $276.00 $690.00 $1,380.00
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026.

Sample CD Ladder for 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.

Build Your Ladder
Rung Term Deposit TX Avg APY Annual Earnings
1 3-Month CD $5,000 1.964% $98.19
2 6-Month CD $5,000 2.672% $133.62
3 12-Month CD $5,000 2.833% $141.64
4 24-Month CD $5,000 2.711% $135.57
5 36-Month CD $5,000 2.655% $132.75
Total ($25,000 invested) $25,000 2.567% blended $641.77/yr

Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

1,867
CD Rates
Tracked in San Antonio, Texas
42 Banks 91 Credit Unions

About Our San Antonio, Texas CD Rate Database

MonitorBankRates tracks 1,867 CD rates from 42 banks and 91 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: Crescent Bank offers a CD at 4.25% APY with a minimum deposit of $1,000. 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 91 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 — 133 institutions here report CD rates

Consider an Alternative If…

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
$104/yr
At TX 12-mo avg 2.833% APY

13.4% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.833%, saving 10% of the local median salary ($3,666/year) and putting it in a CD would earn an additional $104 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 IRA Certificates (6 months) at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, GREATER TEXAS is offering its IRA Term Share Accounts/Certificates of Deposit - 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:
  • Crescent Bank: 4.25% APY (24-month CD)
  • Farm Bureau Bank FSB: 4.15% APY (FB-Org Certificate of Deposit [CD] 1 year)
  • Synergy Federal Credit Union: 4.07% APY (IRA Certificates (1 year))
  • Nizari Progressive Federal Credit Union: 4.02% APY (IRA Share Certificate 12 Month)
  • HEB Federal Credit Union: 4.00% APY (6 - 18 Months Flex Share Certificate Special)
  • GREATER TEXAS: 4.00% APY (IRA Term Share Accounts/Certificates of Deposit - 60 Months)
  • Susser Bank: 3.90% APY (6-Month CD)
  • Plains State Bank: 3.82% APY (12 Month CD)
  • Randolph Brooks FCU: 3.80% APY (18 Month Certificate)
  • Simmons Bank: 3.65% APY (6-month CD)
Rates reflect recent verified offers available in San Antonio, Texas. Last Updated: September 1, 2026

San Antonio, Texas CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current San Antonio, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top San Antonio, Texas CD Rates by Term

Verified September 1, 2026 — click a rate to use its term and APY
Highest verified APY per term available in San Antonio, Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

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: September 1, 2026

San Antonio, Texas Rates & Resources