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San Antonio, Texas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current San Antonio, Texas CD rates include Texas Capital BankTexas Capital Bank745 E Mulberry Ave, San Antonio, TX 78212A+5.0 ★Texas Ratio: 3.65%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Certificate at 4.25% APY, Crescent BankCrescent Bank7410 Blanco Rd, San Antonio, TX 78216A+5.0 ★Texas Ratio: 3.24%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, Synergy Federal Credit UnionSynergy Federal Credit Union1 Valero Way, San Antonio, TX 78249 1616A+5.0 ★Texas Ratio: 2.31%Real return: +1.43%APY minus CPI (February 2026) offering 2 Year IRA Certificate at 4.23% APY, Farm Bureau Bank FSBFarm Bureau Bank FSB17300 Henderson Pass, San Antonio, TX 78232A+5.0 ★Texas Ratio: 5.46%Real return: +1.35%APY minus CPI (February 2026) offering 1 Year FB-Org Certificate of Deposit [CD] at 4.15% APY, and Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX 78247A+5.0 ★Texas Ratio: 1.88%Real return: +1.33%APY minus CPI (February 2026) offering Momentum Share Certificate Rate - 3 Month Special at 4.13% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
San Antonio has 404 local institutions in our database, with CD rates as high as 4.25% APY from Texas Capital Bank at 745 E Mulberry Ave, San Antonio, TX 78212. 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, so 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 22, 2026
Compare Best CD Rates in San Antonio, Texas & the Surrounding Area
San Antonio 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
3 Month IRA Certificate
$250,001
4.23%
▲ 2.17% above national avg
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.17% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
3 Month IRA Certificate
$100,001
4.18%
▲ 2.12% above national avg
▼
Rate4.10%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.12% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
3 Month IRA Certificate
$50,001
4.13%
▲ 2.07% above national avg
▼
Rate4.05%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (3 months)
$250,001
4.13%
▲ 2.07% above national avg
▼
Rate4.05%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
Momentum Share Certificate Rate - 3 Month Special
$0
4.13%
▲ 2.07% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details
Balance: $1000.00 - $49,999.99
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
3 Month IRA Certificate
$1,000
4.07%
▲ 2.01% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.01% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (3 months)
$100,001
4.07%
▲ 2.01% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.01% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (3 months)
$50,001
4.02%
▲ 1.96% above national avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.96% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (3 months)
$1,000
3.97%
▲ 1.91% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.91% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
90 Day Certificate
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
90 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.74% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
3 Month Certificates of Deposit (CD)
$0
3.75%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1002 Camden ST, San Antonio, TX 78215 1452
3 Month Share Certificates
$1,000
3.71%
▲ 1.65% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.06%▲ 1.65% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
90 Day Certificate of Deposit
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Balance: $500,000+; $500,000+ minimum balance
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
90 Day Jumbo CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Annual Percentage Yield effective as of 09/18/2026. Fees or withdrawals could reduce the earnings on the account. Penalty may be imposed for early withdrawal. For CDs of $500,000 and over.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
90 Day Certificate of Deposit
$0
3.35%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.29% above avg
Details
Balance: $100,000 and over
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
90 Day Certificate of Deposit
$0
3.05%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Balance: $1,000 to $99,999.99
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
3 Month Jumbo CD
$90,000
3.05%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo Certificates of Deposit - 3 Months
$90,000
3.05%
▲ 0.99% above national avg
▼
Rate3.02%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
3 Month Standard CD
$1,000
2.85%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
APY*
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
3 Months Certificate of Deposit
$1,000
2.85%
▲ 0.79% above national avg
▼
Rate2.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
13333 Blanco Rd, San Antonio, TX 78216
3 Month Certificate of Deposit
$2,500
2.78%
▲ 0.72% above national avg
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.72% above avg
Details
(a)
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
3 Month Term Share Certificate
$0
1.15%
▼ 0.91% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.91% below avg
Details
Balances greater than $9,999.99
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
3 Month Jumbo CD
$50,000
1.10%
▼ 0.96% below national avg
▼
Rate1.09%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.96% below avg
Details
Balance: $50,000 and up
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
3 Month Certificate of Deposit [CD]
$1,000
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $1,000 to $49,999
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
3 Month Term Share Certificate
$0
0.81%
▼ 1.25% below national avg
▼
Rate0.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.25% below avg
Details
Balance: $1,000.00 - $9,999.99
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
3 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.31% below avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
3 Month Term Share Certificate/Certificate of Deposit
$1,000
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.31% below avg
Details
JUMBO $95,000+
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3-month term
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.46% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard CDs - 3-month term
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.46% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3-month term Regular
$0
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.56% below avg
Details
Standard CDs
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
510 Nw Loop 410, San Antonio, TX 78216
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
90 Day Standard CD Products
$0
0.06%
▼ 2.00% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Balance: Under $100,000
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
510 Nw Loop 410, San Antonio, TX 78216
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
5.10%
▲ 3.04% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 3.04% above avg
Details
$50,000+
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
4.84%
▲ 2.78% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.78% above avg
Details
$1,000 - $49,999
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details
UP to $99,999.99
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.30%
▲ 2.24% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.24% above avg
Details
$1,000,000.00+
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.20%
▲ 2.14% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.14% above avg
Details
$250,000.00 - $999,999.99
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificates of Deposit
$0
4.18%
▲ 2.12% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 2.12% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.10%
▲ 2.04% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.04% above avg
Details
$100,000.00 - $249,999.99
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. 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.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
No minimum deposit.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Month Business CD
$5,000
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details
MIN BALANCE - $99,999.99
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3-Month HYRC Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details
High-Yield Rewards Checking Account required
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
90 Day Certificate
$1,000
3.90%
▲ 1.84% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.84% above avg
Details
Compounded: ; Credited: At Maturity
Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 3 Month CD
$500
3.85%
▲ 1.79% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.79% above avg
Details
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3 Month Certificate of Deposit
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.74% above avg
Details
San Antonio 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
6 Month IRA Certificate
$250,001
4.23%
▲ 1.46% above national avg
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.46% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
6 Month IRA Certificate
$100,001
4.18%
▲ 1.41% above national avg
▼
Rate4.10%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.41% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
6 Month IRA Certificate
$50,001
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.36% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$250,001
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.36% above avg
Details
Balance: $250,001 and over
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
6 Month IRA Certificate
$1,000
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.30% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$100,001
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.30% above avg
Details
Balance: $100,001 - $250,000.99
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$50,001
4.02%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
Balance: $50,001 - $100,000.99
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$1,000
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: $1,000 - $50,000.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
6 Month IRA Share Certificate
$0
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
Balance: $100,000 & Over
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
6 Month Certificates of Deposit (CD)
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
6 Month IRA Share Certificate
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.10% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
6 Month IRA Share Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Balance: $1000 - $49,999.99
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
180 Day Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
180 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
United Texas Credit Union
5500 UTSA Blvd, San Antonio, TX 78249
6 Month Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1002 Camden ST, San Antonio, TX 78215 1452
6 Month Share Certificates
$1,000
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.94% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
9324 Huebner Rd, San Antonio, TX 78240
6-month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
New Money; Open now; Open in branch
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
6 Month Jumbo CD
$50,000
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $50,000 and up
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
6 Month Share Certificate
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.84% above avg
Details
Balance: $1000 - $49,999.99
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
6 Month Certificate of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
6 Month Certificate of Deposit [CD]
$1,000
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $1,000 to $49,999
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
9324 Huebner Rd, San Antonio, TX 78240
6-month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
New Money; Open now; Open in branch
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
6 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
6 Month Term Share Certificate/Certificate of Deposit
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
JUMBO $95,000+
Sunflower Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
970 E Basse Rd, San Antonio, TX 78209
6-Month CD Special
$0
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Limited Time CD Special
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
6 Month Regular CDs
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
6 Month Youth CDs
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
180 Day Certificate of Deposit
$0
3.10%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.33% above avg
Details
Balance: $100,000 and over
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
6 Month IRA & Share Certificate
$500
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
Balance: $500 - $4,999
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
6 Month Certificate
$0
2.70%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
180 Day Certificate of Deposit
$0
2.70%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
Balance: $1,000 to $99,999.99
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
13333 Blanco Rd, San Antonio, TX 78216
6 Month Certificate of Deposit
$2,500
2.52%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.25% below avg
Details
(a)
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
6 Month CD
$500
2.25%
▼ 0.52% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.52% below avg
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 Month Term Share Certificate
$0
1.55%
▼ 1.22% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.22% below avg
Details
Balances greater than $9,999.99
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
180 Day Standard CD Products
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Balance: Under $100,000
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
6 Month IRA CD
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
6 Month Jumbo CD
$90,000
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
6 Month Standard CD
$1,000
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
APY*
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
6 Months Certificate of Deposit
$1,000
1.50%
▼ 1.27% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo Certificates of Deposit - 6 Months
$90,000
1.50%
▼ 1.27% below national avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
6-month term
$0
1.35%
▼ 1.42% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.42% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard CDs - 6-month term
$0
1.35%
▼ 1.42% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.42% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
6-month term Regular
$0
1.25%
▼ 1.52% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.52% below avg
Details
Standard CDs
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 Month Term Share Certificate
$0
1.09%
▼ 1.68% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.68% below avg
Details
Balance: $1,000.00 - $9,999.99
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
510 Nw Loop 410, San Antonio, TX 78216
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.71% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.71% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
510 Nw Loop 410, San Antonio, TX 78216
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.72% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.72% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificates of Deposit
$0
5.10%
▲ 2.33% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 2.33% above avg
Details
$50,000+
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificates of Deposit
$0
4.84%
▲ 2.07% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 2.07% above avg
Details
$1,000 - $49,999
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
6-Month Promo Certificate
$0
4.30%
▲ 1.53% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Promo Certificate Disclosure - The 6-month Promotional Certificate Annual Percentage Yield (APY). Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date April 1, 2026. Chartway Credit Union reserves the right to end or modify the offer at any time. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate. Rate subject to change. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in the Funds Availability Policy.
San Antonio 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$250,001
4.23%
▲ 1.28% above national avg
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.28% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
12 Month Certificate
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
12 Month Star Certificate of Deposit
$1,000
4.20%
▲ 1.25% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$100,001
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.23% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
1 Year FB-Org Certificate of Deposit [CD]
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.20% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$50,001
4.13%
▲ 1.18% above national avg
▼
Rate4.05%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.18% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (1 year)
$250,001
4.13%
▲ 1.18% above national avg
▼
Rate4.05%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.18% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
1 Year Jumbo CD
$50,000
4.10%
▲ 1.15% above national avg
▼
Rate4.02%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.15% above avg
Details
Balance: $1,000 to $49,999
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$1,000
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (1 year)
$100,001
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
12 Month IRA Share Certificate
$0
4.02%
▲ 1.07% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.07% above avg
Details
Balance: $100,000 & Over
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (1 year)
$50,001
4.02%
▲ 1.07% above national avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.07% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7410 Blanco Rd, San Antonio, TX 78216
12 Month Certificate
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
1 Year Certificate of Deposit [CD]
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $1,000 to $49,999
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
12 Month IRA Share Certificate
$0
3.97%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.02% above avg
Details
Balance: $50,000.00 - $99,999.99
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (1 year)
$1,000
3.97%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.02% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
12 Month IRA Share Certificate
$0
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.97% above avg
Details
Balance: $1000 - $49,999.99
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
12 Month Certificates of Deposit (CD)
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Plains State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.64%
8000 Ih West Suite 1507, San Antonio, TX 78230
12 Month CD
$1,000
3.82%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.87% 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: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
12 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
12 Month Term Share Certificate/Certificate of Deposit
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
JUMBO $95,000+
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
12 Month Certificate of Deposit
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
1 Year CD with Step-Up Option - Jumbo CD
$50,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $50,000 and up
United Texas Credit Union
5500 UTSA Blvd, San Antonio, TX 78249
1 Year Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
United Texas Credit Union
5500 UTSA Blvd, San Antonio, TX 78249
1 Year Junior Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
12 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
12 Month Term Share Certificate/Certificate of Deposit
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
JUMBO $95,000+
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1002 Camden ST, San Antonio, TX 78215 1452
12 Month Share Certificates
$1,000
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.76% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
1 Year CD with Step-Up Option
$1,000
3.65%
▲ 0.70% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.70% above avg
Details
Balance: $1,000 to $49,999
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
12 Month Share Certificate
$0
3.61%
▲ 0.66% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.66% above avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
12 Month Share Certificate
$0
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
12 Month Share Certificate
$0
3.51%
▲ 0.56% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.56% above avg
Details
Balance: $1000 - $49,999.99
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
12 Month IRA & Share Certificate
$500
3.50%
▲ 0.55% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: $500 - $4,999
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
1 Year Regular CDs
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
1 Year Youth CDs
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
1 Year Flex CDs
$0
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.40% above avg
Details
Alamo City Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 23.01%
4801 NW Loop 410 Ste 100, San Antonio, TX 78229
12 Month Certificate
$0
3.27%
▲ 0.32% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.32% above avg
Details
Balance: $1,000 Minimum Balance
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 Nw Loop 410, San Antonio, TX 78213
12 Month Certificate of Deposit (CDs)
$0
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
Special rate on select new CD accounts.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
12 Month Certificate of Deposit
$0
3.00%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.05% above avg
Details
Balance: $100,000 and over
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
1 Year Certificate
$0
2.90%
▼ 0.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.05% below avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
1 Year IRA Certificates
$0
2.80%
▼ 0.15% below national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.15% below avg
Details
Term: 1 Year IRA Certificate; $1,000 minimum balance to open
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
12 Month Certificate of Deposit
$0
2.55%
▼ 0.40% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.40% below avg
Details
Balance: $1,000 to $99,999.99
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
IRA CD - 12 Month Fixed
$0
2.55%
▼ 0.40% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.40% below avg
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
13333 Blanco Rd, San Antonio, TX 78216
1 Year Certificate of Deposit
$2,500
2.50%
▼ 0.45% below national avg
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.45% below avg
Details
(a)
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
1 Year CD
$500
2.00%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
1 Year Jumbo CD
$95,000
1.80%
▼ 1.15% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.15% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
1 Year Standard CD
$1,000
1.80%
▼ 1.15% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.15% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
1 Year Super jumbo CD
$175,000
1.80%
▼ 1.15% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.15% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
1 Year Jumbo CD
$95,000
1.79%
▼ 1.16% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.16% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
1 Year Standard CD
$1,000
1.79%
▼ 1.16% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.16% below avg
Details
San Antonio 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
18 Month Certificate
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
18 Month Star Certificate of Deposit
$1,000
4.25%
▲ 1.43% above national avg
▼
Rate4.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
18 Month Certificate of Deposit
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7410 Blanco Rd, San Antonio, TX 78216
18 Month Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 - 18 Months Flex Share Certificate Special
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Balances greater than $9,999.99
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6-18 Month Flex Share Certificate
$10,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Requires a $10,000 minimum total deposit relationship to open and maintain; if the balance falls below $10,000, the promotional rate no longer applies. Offer valid on new Flex Share Certificate accounts only. The 4.00% APY applies only to the amount deposited at account opening; additional deposits are not permitted. Promotional rate available for certificates opened January 28-July 31 2026; early withdrawal penalties may apply.
United Texas Credit Union
5500 UTSA Blvd, San Antonio, TX 78249
18 Month Certificates
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month SuperSaver Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.98% above avg
Details
Balance: $75,000+
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 - 18 Month Flex Share Certificate
$5,000
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details
The 3.80% APY is available only on new Flex Share Certificate accounts opened between September 2 and September 30, 2026, and applies only to the amount deposited at account opening. Additional deposits are not permitted after the certificate is opened. Rates as of September 2, 2026. Certificates opened before or after the promotional period are not eligible for the promotional rate. Early withdrawal penalties may apply and could reduce earnings. Rates and terms are subject to change without notice. Membership eligibility is required.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
18 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.98% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
18 Month Term Share Certificate/Certificate of Deposit
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.98% above avg
Details
JUMBO $95,000+
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month SuperSaver Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details
Balance: $20,000 - $74,999.99
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
18 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details
JUMBO $95,000+
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1002 Camden ST, San Antonio, TX 78215 1452
18 Month Share Certificates
$1,000
3.71%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.89% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
18 Month Certificates of Deposit (CD)
$0
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.88% above avg
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month SuperSaver Certificate
$0
3.69%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.87% above avg
Details
Balance: $5,000 - $19,999.99
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month SuperSaver Certificate
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.83% above avg
Details
Balance: $1,000 - $4,999.99
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
11432 W Loop 1604 N, San Antonio, TX 78254
SuperSaver Certificate 18 month
$1,000
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
18 Month IRA & Share Certificate
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.78% above avg
Details
Balance: $500 - $4,999
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
18 Month Jumbo CD
$50,000
3.45%
▲ 0.63% above national avg
▼
Rate3.39%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.63% above avg
Details
Balance: $50,000 and up
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
18 Month Regular CDs
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.63% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
18 Month Certificate of Deposit [CD]
$1,000
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.53% above avg
Details
Balance: $1,000 to $49,999
Alamo City Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 23.01%
4801 NW Loop 410 Ste 100, San Antonio, TX 78229
18 Month Certificate
$0
3.32%
▲ 0.50% above national avg
▼
Rate3.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.50% above avg
Details
Balance: $5,000 Minimum Balance
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
18 Month CD with Step-Up Option - Jumbo CD
$50,000
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.38% above avg
Details
Balance: $50,000 and up
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
18 Month CD with Step-Up Option
$1,000
3.10%
▲ 0.28% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.28% above avg
Details
Balance: $1,000 to $49,999
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
18 Month Share Certificate
$0
2.96%
▲ 0.14% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.14% above avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
18 Month Share Certificate
$0
2.91%
▲ 0.09% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.09% above avg
Details
Balance: $50,000.00 - $99,999.99
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
18 Month Certificate
$0
2.90%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.08% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
18 Month Share Certificate
$0
2.86%
▲ 0.04% above national avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.04% above avg
Details
Balance: $1000 - $49,999.99
Texas Champion Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1403 W Bitters Rd, San Antonio, TX 78248
18 Month Certificates of Deposit
$0
2.75%
▼ 0.07% below national avg
▼
Rate2.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.07% below avg
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
13333 Blanco Rd, San Antonio, TX 78216
18 Month Certificate of Deposit
$2,500
2.25%
▼ 0.57% below national avg
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.57% below avg
Details
(a)
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
18 Month Jumbo CD
$95,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
18 Month Standard CD
$1,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
18 Month Super jumbo CD
$175,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
18 Month Jumbo CD
$95,000
1.64%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.18% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
18 Month Standard CD
$1,000
1.64%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.18% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
18 Month Super jumbo CD
$175,000
1.64%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.18% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
18 Month IRA CD
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
18 Month Standard CD Products
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Balance: Under $100,000
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
18 Month Jumbo CD
$90,000
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
18 Month Standard CD
$1,000
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
APY*
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
18 Months Certificate of Deposit
$1,000
1.50%
▼ 1.32% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo Certificates of Deposit - 18 Months
$90,000
1.50%
▼ 1.32% below national avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo IRA / SEPP - 18 Months
$90,000
1.50%
▼ 1.32% below national avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
Variable - 18 Months
$100
1.50%
▼ 1.32% below national avg
▼
Rate1.49%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
IRA CD - 18 Month Variable
$0
0.90%
▼ 1.92% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.92% below avg
Details
Term: 18 Month Variable IRA
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
IRA CD - 18 Month Variable
$0
0.03%
▼ 2.79% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.79% below avg
Details
Term: 18 Month Variable IRA
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 Month Share Certificates
$0
4.35%
▲ 1.53% above national avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.53% above avg
Details
San Antonio 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7410 Blanco Rd, San Antonio, TX 78216
24-month CD
$1,000
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
2 Year IRA Certificate
$250,001
4.23%
▲ 1.39% above national avg
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.39% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
2 Year IRA Certificate
$100,001
4.18%
▲ 1.34% above national avg
▼
Rate4.10%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.34% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
2 Year IRA Certificate
$50,001
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.29% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (2 year)
$250,001
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.29% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
2 Year IRA Certificate
$1,000
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (2 year)
$100,001
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (2 year)
$50,001
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.18% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7410 Blanco Rd, San Antonio, TX 78216
24 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (2 year)
$1,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.13% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
2 Year Jumbo CD
$50,000
3.95%
▲ 1.11% above national avg
▼
Rate3.87%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $50,000 and up
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
24 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.06% above avg
Details
JUMBO
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
2 Year Certificate of Deposit [CD]
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.01% above avg
Details
Balance: $1,000 to $49,999
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
24 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
24 Month Term Share Certificate/Certificate of Deposit
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details
JUMBO $95,000+
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1002 Camden ST, San Antonio, TX 78215 1452
24 Month Share Certificates
$1,000
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.87% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
2 Year CD with Step-Up Option - Jumbo CD
$50,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $50,000 and up
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
24 Month IRA & Share Certificate
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $500 - $4,999
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
24 Month Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
745 E Mulberry Ave, San Antonio, TX 78212
24 Month Star Certificate of Deposit
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
24 Month Certificates of Deposit (CD)
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
2 Year CD with Step-Up Option
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $1,000 to $49,999
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
2 Year Regular CDs
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
2 Year Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
Alamo City Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 23.01%
4801 NW Loop 410 Ste 100, San Antonio, TX 78229
24 Month Certificate
$0
3.18%
▲ 0.34% above national avg
▼
Rate3.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.34% above avg
Details
Balance: $10,000 Minimum Balance
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
2 Year IRA Certificates
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
Term: 2 Year IRA Certificate; $1,000 minimum balance to open
United Texas Credit Union
5500 UTSA Blvd, San Antonio, TX 78249
2 Year Certificates
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.21% above avg
Details
United Texas Credit Union
5500 UTSA Blvd, San Antonio, TX 78249
2 Year Junior Certificates
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.21% above avg
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month IRA Share Certificate
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.15% above avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month Share Certificate
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.15% above avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month IRA Share Certificate
$0
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.10% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month Share Certificate
$0
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.10% above avg
Details
Balance: $50,000.00 - $99,999.99
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
24 Month Certificate of Deposit
$0
2.90%
▲ 0.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.06% above avg
Details
Balance: $100,000 and over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month IRA Share Certificate
$0
2.89%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.05% above avg
Details
Balance: $1000 - $49,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month Share Certificate
$0
2.89%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.05% above avg
Details
Balance: $1000 - $49,999.99
Texas Champion Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1403 W Bitters Rd, San Antonio, TX 78248
24 Month Certificates of Deposit
$0
2.75%
▼ 0.09% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.09% below avg
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
24 Month Certificate of Deposit
$0
2.70%
▼ 0.14% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.14% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24-month term
$0
2.60%
▼ 0.24% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.24% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard CDs - 24-month term
$0
2.60%
▼ 0.24% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.24% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard IRA CDs - 24-month term
$0
2.60%
▼ 0.24% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.24% below avg
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
24 Month Certificate of Deposit
$0
2.40%
▼ 0.44% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.44% below avg
Details
Balance: $1,000 to $99,999.99
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
111 W Houston St, San Antonio, TX 78205
IRA CD - 24 Month Fixed
$0
2.40%
▼ 0.44% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.44% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24-month term Regular
$0
2.34%
▼ 0.50% below national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.50% below avg
Details
Standard CDs
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
2 Year CD
$500
2.25%
▼ 0.59% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.59% below avg
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
13333 Blanco Rd, San Antonio, TX 78216
2 Year Certificate of Deposit
$2,500
1.95%
▼ 0.89% below national avg
▼
Rate1.95%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.89% below avg
Details
(a)
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
24 Month Term Share Certificate
$0
1.60%
▼ 1.24% below national avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.24% below avg
Details
Balances greater than $9,999.99
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
2 Year IRA CD
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
2 Year Standard CD Products
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
Balance: Under $100,000
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
24 Month Jumbo CD
$90,000
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
24 Month Standard CD
$1,000
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
APY*
San Antonio 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 year)
$250,001
4.23%
▲ 1.47% above national avg
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.47% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 year)
$100,001
4.18%
▲ 1.42% above national avg
▼
Rate4.10%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.42% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 year)
$50,001
4.13%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.37% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate (3 year)
$250,001
4.13%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.37% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 year)
$1,000
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.31% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate (3 year)
$100,001
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.31% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate (3 year)
$50,001
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.26% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7410 Blanco Rd, San Antonio, TX 78216
36 Month Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate (3 year)
$1,000
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
36 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
36 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
36 Month Term Share Certificate/Certificate of Deposit
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
JUMBO $95,000+
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
36 Month Certificates of Deposit (CD)
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
3 Year Jumbo CD
$50,000
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.59% above avg
Details
Balance: $50,000 and up
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
3 Year Regular CDs
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
3 Year Certificate of Deposit [CD]
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.49% above avg
Details
Balance: $1,000 to $49,999
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
3 Year Certificate
$0
3.20%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
3 Year IRA Certificates
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details
Term: 3 Year IRA Certificate; $1,000 minimum balance to open
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
3 Year CD with Step-Up Option - Jumbo CD
$50,000
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.34% above avg
Details
Balance: $50,000 and up
Alamo City Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 23.01%
4801 NW Loop 410 Ste 100, San Antonio, TX 78229
36 Month Certificate
$0
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.33% above avg
Details
Balance: $10,000 Minimum Balance
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month IRA Share Certificate
$0
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month Share Certificate
$0
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details
Balance: $100,000 & Over
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
3 Year CD with Step-Up Option
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
Balance: $1,000 to $49,999
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month IRA Share Certificate
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.23% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month Share Certificate
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.23% above avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month IRA Share Certificate
$0
2.94%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.18% above avg
Details
Balance: $1000 - $49,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month Share Certificate
$0
2.94%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.18% above avg
Details
Balance: $1000 - $49,999.99
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36-month term
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard CDs - 36-month term
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard IRA CDs - 36-month term
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
United Texas Credit Union
5500 UTSA Blvd, San Antonio, TX 78249
3 Year Certificates
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
3 Year Certificate of Deposit
$0
2.70%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.06% below avg
Details
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
36 Month IRA & Share Certificate
$10,000
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.26% below avg
Details
Balance: $10,000 - $24,999
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36-month term Regular
$0
2.49%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.27% below avg
Details
Standard CDs
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
3 Year IRA CD
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
3 Year Standard CD Products
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Balance: Under $100,000
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
36 Month Jumbo CD
$90,000
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
36 Month Standard CD
$1,000
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
APY*
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
36 Month Term Share Certificate
$0
1.50%
▼ 1.26% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.26% below avg
Details
Balances greater than $9,999.99
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
3 Year CD
$500
1.40%
▼ 1.36% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.36% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Jumbo CD
$95,000
1.30%
▼ 1.46% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.46% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Standard CD
$1,000
1.30%
▼ 1.46% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.46% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Super jumbo CD
$175,000
1.30%
▼ 1.46% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.46% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Jumbo CD
$95,000
1.29%
▼ 1.47% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.47% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Standard CD
$1,000
1.29%
▼ 1.47% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.47% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Super jumbo CD
$175,000
1.29%
▼ 1.47% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.47% below avg
Details
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
36 Month IRA & Share Certificate
$5,000
1.20%
▼ 1.56% below national avg
▼
Rate1.19%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.56% below avg
Details
Balance: $5,000 - $9,999
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
36 Month Term Share Certificate
$0
1.05%
▼ 1.71% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.71% below avg
Details
Balance: $1,000.00 - $9,999.99
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
36 Month IRA & Share Certificate
$500
0.90%
▼ 1.86% below national avg
▼
Rate0.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.86% below avg
Details
Balance: $500 - $4,999
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Jumbo CD
$95,000
0.01%
▼ 2.75% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.75% below avg
Details
San Antonio 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$250,001
4.02%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7410 Blanco Rd, San Antonio, TX 78216
48 Month Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$100,001
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$50,001
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$250,001
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
48 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details
JUMBO
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$1,000
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.10% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$100,001
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.10% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
48 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
48 Month Term Share Certificate/Certificate of Deposit
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details
JUMBO $95,000+
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$50,001
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$1,000
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.99% above avg
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
48 Month Certificates of Deposit (CD)
$0
3.35%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
4 Year Jumbo CD
$50,000
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.58% above avg
Details
Balance: $50,000 and up
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
4 Year Certificate of Deposit [CD]
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $1,000 to $49,999
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
4 Year Certificate
$0
3.20%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.43% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
4 Year IRA Certificates
$0
3.10%
▲ 0.33% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.33% above avg
Details
Term: 4 Year IRA Certificate; $1,000 minimum balance to open
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
4 Year CD with Step-Up Option - Jumbo CD
$50,000
3.10%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.33% above avg
Details
Balance: $50,000 and up
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
4 Year CD with Step-Up Option
$1,000
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.23% above avg
Details
Balance: $1,000 to $49,999
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.13% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard CDs - 48-month term
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.13% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard IRA CDs - 48-month term
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.13% above avg
Details
United Texas Credit Union
5500 UTSA Blvd, San Antonio, TX 78249
4 Year Certificates
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.02% below avg
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
4 Year Certificate of Deposit
$0
2.70%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term Regular
$0
2.64%
▼ 0.13% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.13% below avg
Details
Standard CDs
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
48 Month IRA & Share Certificate
$10,000
2.60%
▼ 0.17% below national avg
▼
Rate2.57%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.17% below avg
Details
Balance: $10,000 - $24,999
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month IRA Share Certificate
$0
2.43%
▼ 0.34% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.34% below avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month Share Certificate
$0
2.43%
▼ 0.34% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.34% below avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month IRA Share Certificate
$0
2.38%
▼ 0.39% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.39% below avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month Share Certificate
$0
2.38%
▼ 0.39% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.39% below avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month IRA Share Certificate
$0
2.32%
▼ 0.45% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.45% below avg
Details
Balance: $1000 - $49,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month Share Certificate
$0
2.32%
▼ 0.45% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.45% below avg
Details
Balance: $1000 - $49,999.99
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
4 Year IRA CD
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
4 Year Standard CD Products
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Balance: Under $100,000
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
48 Month IRA & Share Certificate
$5,000
1.30%
▼ 1.47% below national avg
▼
Rate1.29%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.47% below avg
Details
Balance: $5,000 - $9,999
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Jumbo CD
$95,000
1.25%
▼ 1.52% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Standard CD
$1,000
1.25%
▼ 1.52% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Super jumbo CD
$175,000
1.25%
▼ 1.52% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Jumbo CD
$95,000
1.24%
▼ 1.53% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.53% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Standard CD
$1,000
1.24%
▼ 1.53% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.53% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Super jumbo CD
$175,000
1.24%
▼ 1.53% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.53% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
4 Year CD
$500
1.15%
▼ 1.62% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.62% below avg
Details
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
48 Month IRA & Share Certificate
$500
1.00%
▼ 1.77% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.77% below avg
Details
Balance: $500 - $4,999
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Jumbo CD
$95,000
0.01%
▼ 2.76% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.76% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Standard CD
$1,000
0.01%
▼ 2.76% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.76% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Super jumbo CD
$175,000
0.01%
▼ 2.76% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.76% below avg
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Month Jumbo CD
$50,000
4.35%
▲ 1.58% above national avg
▼
Rate4.27%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.58% above avg
Details
APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
4 Year Business CD
$5,000
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details
$1,000,000.00+
San Antonio 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate (5 year)
$250,001
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.18% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7410 Blanco Rd, San Antonio, TX 78216
60 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
60 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
60 Month Term Share Certificate/Certificate of Deposit
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
JUMBO $95,000+
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate (5 year)
$100,001
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.13% above avg
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
60 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.11% above avg
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
60 Month Term Share Certificate/Certificate of Deposit
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.11% above avg
Details
JUMBO $95,000+
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate (5 year)
$50,001
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.08% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (5 year)
$250,001
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.08% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate (5 year)
$1,000
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (5 year)
$100,001
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (5 year)
$50,001
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.98% above avg
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (5 year)
$1,000
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.92% above avg
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
5 Year Regular CDs
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.56% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
5 Year Jumbo CD
$50,000
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.51% above avg
Details
Balance: $50,000 and up
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
60 Month Certificates of Deposit (CD)
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
5 Year Certificate of Deposit [CD]
$1,000
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.41% above avg
Details
Balance: $1,000 to $49,999
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
5 Year Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
19500 Bulverde Rd, San Antonio, TX 78259
5 Year IRA Certificates
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
Term: 5 Year IRA Certificate; $1,000 minimum balance to open
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
5 Year CD with Step-Up Option - Jumbo CD
$50,000
3.10%
▲ 0.26% above national avg
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.26% above avg
Details
Balance: $50,000 and up
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.26% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard CDs - 60-month term
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.26% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Standard IRA CDs - 60-month term
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.26% above avg
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
5 Year CD with Step-Up Option
$1,000
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
Balance: $1,000 to $49,999
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term Regular
$0
2.84%
At national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%At the average
Details
Standard CDs
United Texas Credit Union
5500 UTSA Blvd, San Antonio, TX 78249
5 Year Certificates
$0
2.75%
▼ 0.09% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.09% below avg
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
5 Year Certificate of Deposit
$0
2.70%
▼ 0.14% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.14% below avg
Details
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
60 Month IRA & Share Certificate
$10,000
2.70%
▼ 0.14% below national avg
▼
Rate2.67%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.14% below avg
Details
Balance: $10,000 - $24,999
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month IRA Share Certificate
$0
2.48%
▼ 0.36% below national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.36% below avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month Share Certificate
$0
2.48%
▼ 0.36% below national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.36% below avg
Details
Balance: $100,000 & Over
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month IRA Share Certificate
$0
2.43%
▼ 0.41% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.41% below avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month Share Certificate
$0
2.43%
▼ 0.41% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.41% below avg
Details
Balance: $50,000.00 - $99,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month IRA Share Certificate
$0
2.38%
▼ 0.46% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.46% below avg
Details
Balance: $1000 - $49,999.99
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month Share Certificate
$0
2.38%
▼ 0.46% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.46% below avg
Details
Balance: $1000 - $49,999.99
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
5 Year IRA CD
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4306 Broadway Street, San Antonio, TX 78209
5 Year Standard CD Products
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
Balance: Under $100,000
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
60 Month Jumbo CD
$90,000
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$90,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1177 Ne Loop 410, San Antonio, TX 78209
60 Month Standard CD
$1,000
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
APY*
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
60 Month Term Share Certificate
$0
1.50%
▼ 1.34% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.34% below avg
Details
Balances greater than $9,999.99
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
60 Month IRA & Share Certificate
$5,000
1.40%
▼ 1.44% below national avg
▼
Rate1.39%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.44% below avg
Details
Balance: $5,000 - $9,999
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Jumbo CD
$95,000
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.59% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Standard CD
$1,000
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.59% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Super jumbo CD
$175,000
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.59% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
5 Year CD
$500
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.59% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Jumbo CD
$95,000
1.24%
▼ 1.60% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.60% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Standard CD
$1,000
1.24%
▼ 1.60% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.60% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Super jumbo CD
$175,000
1.24%
▼ 1.60% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.60% below avg
Details
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
7215 Culebra Rd, San Antonio, TX 78251 1305
60 Month IRA & Share Certificate
$500
1.10%
▼ 1.74% below national avg
▼
Rate1.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.74% below avg
Details
Balance: $500 - $4,999
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
60 Month Term Share Certificate
$0
1.05%
▼ 1.79% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.79% below avg
Details
Balance: $1,000.00 - $9,999.99
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Jumbo CD
$95,000
0.01%
▼ 2.83% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.83% below avg
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
San Antonio, TX CD Rate Trends
Compare local San Antonio, TX CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD TX Avg
2.952%
▲ 0.030 vs 7 days ago
Texas 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD TX Avg
2.767%
▲ 0.021 vs 7 days ago
Texas 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 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
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
MonitorBankRates
What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for San Antonio, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
2,926
CD Rates
Tracked in San Antonio, Texas
Tracked in San Antonio, Texas
49 Banks
70 Credit Unions
About Our San Antonio, Texas CD Rate Database
MonitorBankRates tracks 2,926 CD rates from 49 banks and 70 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: Texas Capital Bank offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in San Antonio, Texas.
How to Find the Best CD Rates in San Antonio, Texas
What to compare when shopping for a CD in San Antonio, Texas
To find the best APYs in San Antonio, Texas, start with credit unions and online-only banks: San Antonio, Texas has 70 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: 119 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare San Antonio, Texas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare San Antonio, Texas money market rates
San Antonio, Texas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$36,669
National avg: $47,340
Poverty Rate
17.1%
National avg: 11.1%
Unemployment Rate
6.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$108/yr
At TX 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($3,666/year) and putting it in a CD would earn an additional $108 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 6 Month IRA Certificate at 4.23% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Synergy Federal Credit Union is offering its IRA Certificate (5 year) at 4.02% 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:
- Texas Capital Bank: 4.25% APY (18 Month Certificate)
- Crescent Bank: 4.25% APY (24-month CD)
- Synergy Federal Credit Union: 4.23% APY (2 Year IRA Certificate)
- Farm Bureau Bank FSB: 4.15% APY (1 Year FB-Org Certificate of Deposit [CD])
- Nizari Progressive Federal Credit Union: 4.13% APY (Momentum Share Certificate Rate - 3 Month Special)
- Amarillo National Bank: 4.00% APY (18 Month Certificate of Deposit)
- HEB Federal Credit Union: 4.00% APY (6 - 18 Months Flex Share Certificate Special)
- United Texas Credit Union: 4.00% APY (18 Month Certificates)
- GREATER TEXAS: 4.00% APY (60 Month IRA Term Share Accounts/Certificates of Deposit)
- Susser Bank: 3.90% APY (6 Month Certificates of Deposit (CD))
Rates reflect recent verified offers available in San Antonio, Texas. Last Updated: September 22, 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.
CD Calculators for San Antonio, Texas
San Antonio, Texas CD Calculator
At today’s TX top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
San Antonio, Texas CD LadderTX CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a San Antonio, Texas CD at 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Antonio, Texas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for San Antonio, Texas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in San Antonio, Texas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 22, 2026
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