Sugar Land, Texas CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Sugar Land, Texas CD rates include Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678A+5.0 ★Texas Ratio: 2.09%Real return: +1.27%APY minus CPI (February 2026) offering Momentum Share Certificate 3 Month at 4.07% APY, Golden Bank National AssociationGolden Bank National Association2287 Highway 6, Sugar Land, TX 77478A+5.0 ★Texas Ratio: 3.27%Real return: +1.25%APY minus CPI (February 2026) offering 180-Day CD at 4.05% APY, Plains State BankPlains State Bank13885 Southwest Fwy, Sugar Land, TX 77478A+5.0 ★Texas Ratio: 5.75%Real return: +1.02%APY minus CPI (February 2026) offering 12 Month CD at 3.82% APY, Texas Dow Employees Credit UnionTexas Dow Employees Credit Union2109 Highway 6, Sugar Land, TX 77478B-4.4 ★Texas Ratio: 20.45%Real return: +0.95%APY minus CPI (February 2026) offering Kids Club CD 12 months at 3.75% APY, and Brazos Valley Schools Credit UnionBrazos Valley Schools Credit Union12300 University Blvd Ste B108, Sugar Land, TX 77479A+5.0 ★Texas Ratio: 4.27%Real return: +0.95%APY minus CPI (February 2026) offering IRA Term Certificate 12 Months at 3.75% APY. CD rates as of June 23, 2026 according to verified data from MonitorBankRates.
Sugar Land has 152 local institutions in our database, with CD rates as high as 4.07% APY from Nizari Progressive Federal Credit Union at 14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 23, 2026
Compare Best CD Rates in Sugar Land, Texas & the Surrounding Area
Sugar Land 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate 3 Month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
3 Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
90 Day
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
90 Day Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
90 Day
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
90 Day Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 Sugar Creek Center Blvd, Sugar Land, TX 77478
90-day fixed-rate CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
90 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
90 Day Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3400 Highway 6, Sugar Land, TX 77478 4408
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Existing Member New Member
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CD 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CDs 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Teen Club CDs 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Term Certificate 3 Months
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
3 Months
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 90 days dividends; Renewals Automatic with 10 day grace period.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1000 Eldridge Rd, Sugar Land, TX 77478
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1000 Eldridge Rd, Sugar Land, TX 77478
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Balance: Less than $50,000
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
IRA
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 3 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share 90 day
$100,000
2.88%
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Share Certificates 3 Months
$1,000
2.84%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
90 day
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
Business Certificate Accounts 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
IRA Certificates 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Sugar Land 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Golden Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
2287 Highway 6, Sugar Land, TX 77478
180-Day CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Requires a minimum $20,000 deposit of new money. Promotion period: Effective immediately through June 30, 2026.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
6 Month Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
3 Sugar Creek Center Blvd, Sugar Land, TX 77478
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Limited time offer; available for personal and business accounts.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
6 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 90 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Term Certificate 6 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
180 Day
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
180 Day Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
530 Highway 6, Sugar Land, TX 77478
6 months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
180 Day Certificate of Deposit
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
180 Day
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CD 6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CDs 6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Teen Club CDs 6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
6 Months
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
IRA Certificate of Deposit 6 Months
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1000 Eldridge Rd, Sugar Land, TX 77478
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1000 Eldridge Rd, Sugar Land, TX 77478
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Branch $1,000 Minimum Deposit
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 6 months
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
Jumbo 6-Month Share Certificate
$0
4.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Special promotional rate valid June 8-26.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CD
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal. Member FDIC
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
6 Months
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
3.95%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedJun 23, 2026
Details
For kids and Teens (age 0-17). Compounded monthly.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
6 months Share Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
*APY = Annual Percentage Yield
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Month IRA Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
not available for IRAs
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
6 month term
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Boost Term Share
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
6 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer Only
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sugar Land 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Plains State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
13885 Southwest Fwy, Sugar Land, TX 77478
12 Month CD
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Annual Percentage Yield (APY) is accurate as of August 28, 2025. Rates offered may change without notice. A penalty may be imposed for early withdrawal. Each depositor is FDIC-insured up to applicable limits.
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CD 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CDs 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Teen Club CDs 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
12 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 90 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Term Certificate 12 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
12 months
$0
3.69%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
12 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month Share Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
12 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
12 Month Certificate of Deposit
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
200 Century Square Blvd, Sugar Land, TX 77478
IRA Certificates 12 Months
$0
2.67%
▼
Rate2.64%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
12 Month
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
12 Month Certificate of Deposit
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
12 Month Fixed IRA
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA CD
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 Sugar Creek Center Blvd, Sugar Land, TX 77478
12-month fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1000 Eldridge Rd, Sugar Land, TX 77478
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1000 Eldridge Rd, Sugar Land, TX 77478
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
IRA Certificate of Deposit 12 Months
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
12 Months Youth Club Certificate
$250
0.15%
▼
Rate0.15%
Min Deposit$250
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
12 Months Wealth Builder Certificate
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
12 Months
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
12 Month Fixed IRA
$0
0.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA CD
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 12 months
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 12 Month Certificate
$2,000
4.18%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJun 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Branch $1,000 Minimum Deposit
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month Certificate
$0
4.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1 Year Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1 Year IRA Certificate
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 12 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Earn 4.00% APY when you open a new CD with $10,000 or more in new money. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 21, 2026
Details
$25,000- $99,999
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 Year Super
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Paid Monthly on Last Day of Month
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 Year Super Jumbo
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Savings; Roll Back to Certificate
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Sugar Land 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
530 Highway 6, Sugar Land, TX 77478
18 months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CD 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CDs 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Teen Club CDs 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.91%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.86%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
200 Century Square Blvd, Sugar Land, TX 77478
IRA Certificates 18 Months
$0
2.67%
▼
Rate2.64%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
18 Month Variable IRA
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA CD
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
18 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
IRA Certificate of Deposit 18 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
18 Month Variable IRA
$0
0.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA CD
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate of Deposit Special!
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividends Compounded: Monthly; Dividends Credited: Monthly; Renewal: Automatic with 10-day grace period
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 - 18 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances greater than $9,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$75,000
3.80%
▼
Rate3.74%
Min Deposit$75,000
Min Balance—
UpdatedJun 23, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 18 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$20,000
3.75%
▼
Rate3.69%
Min Deposit$20,000
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
18 Month CD
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month IRA Certificate
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$5,000
3.69%
▼
Rate3.63%
Min Deposit$5,000
Min Balance—
UpdatedJun 23, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
18 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month Certificate
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Educational IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Roth IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 18 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sugar Land 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
530 Highway 6, Sugar Land, TX 77478
24 months
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
24 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 180 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Term Certificate 24 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CD 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CDs 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Teen Club CDs 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
24 Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 24 Month
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 24 Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 24 Month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
24 Month
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
24 Month Certificate of Deposit
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
200 Century Square Blvd, Sugar Land, TX 77478
IRA Certificates 24 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
24 Month
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
24 Month Certificate of Deposit
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
24 Month Fixed IRA
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA CD
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
24 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
IRA Certificate of Deposit 24 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
24 Month Fixed IRA
$0
0.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA CD
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 24 Month Certificate
$2,000
3.97%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$95,000
3.97%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24 mo.
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$500
3.87%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
2 YEAR CERTIFICATE
$95,000
3.82%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
24 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Regular & IRA Certificates 24 Month
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
2 YEAR CERTIFICATE
$500
3.71%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 24 Months
$95,000
3.70%
▼
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Sugar Land 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
EXISTING MEMBER NEW MEMBER
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
530 Highway 6, Sugar Land, TX 77478
36 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded Credited: Monthly
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
36 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 180 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Term Certificate 36 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 36 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 36 Month
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 36 Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
200 Century Square Blvd, Sugar Land, TX 77478
IRA Certificates 36 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Teen Club CDs 36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CD 36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CDs 36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
36 Months
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
IRA Certificate of Deposit 36 Months
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$95,000
4.07%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
36 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
One great rate.
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$500
3.97%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36 mo.
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$95,000
3.92%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Variable
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 3 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 36 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 36 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Sugar Land 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
48 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits At Maturity; Early withdrawal penalty Up to 180 days dividends; Renewals Automatic with 10 day grace period.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Term Certificate 48 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed; Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
200 Century Square Blvd, Sugar Land, TX 77478
IRA Certificates 48 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 48 Month
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 48 Month
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CD 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CDs 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Teen Club CDs 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 48 Month
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
48 Months
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
IRA Certificate of Deposit 48 Months
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48 mo.
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 4 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 48 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
48 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months / 4 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 48 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4 Year IRA Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4 Year Certificate
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
IRA Share Certificates 87 / 48 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Int. Monthly
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
ROTH IRA Share Certificates 67 / 48 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Boost Term Share
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months / 4 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Share Certificates 4 Years
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Sugar Land 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
530 Highway 6, Sugar Land, TX 77478
60 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
200 Century Square Blvd, Sugar Land, TX 77478
IRA Certificates 60 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 60 Month
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 60 Month
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CD 60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Kids Club CDs 60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2109 Highway 6, Sugar Land, TX 77478
Teen Club CDs 60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 60 Month
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
60 Months
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
IRA Certificate of Deposit 60 Months
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Jumbo, 5 Year Term Certificate
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60 mo.
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 5 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 60 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
60 Months / 5 Years
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 5 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
60 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
60 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Share Certificates 5 Years
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 month term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Boost Term Share
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Sugar Land, TX CD Rate Trends
Compare local Sugar Land, 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
2.438%
▼ 0.014 vs 7 days ago
Texas 12-month CD rates fell 0.014 points over the past 7 days to 2.438% APY.
6-Month CD — TX Avg
1.987%
▼ 0.016 vs 7 days ago
Texas 6-month CD rates fell 0.016 points over the past 7 days to 1.987% APY.
As of Jun 23, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.438%
6-Month Forecast
2.438%
Range: 2.24% – 2.59%
12-Month Forecast
2.188%
Range: 1.99% – 2.34%
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 | 2.080% | $103.98 | $207.95 | $519.88 | $1,039.75 |
| 6-Month CD | 1.987% | $99.37 | $198.74 | $496.85 | $993.70 |
| 12-Month CD | 2.438% | $121.90 | $243.80 | $609.50 | $1,219.00 |
| 18-Month CD | 2.608% | $130.39 | $260.78 | $651.95 | $1,303.90 |
| 24-Month CD | 2.631% | $131.54 | $263.08 | $657.70 | $1,315.40 |
| 36-Month CD | 3.030% | $151.52 | $303.04 | $757.60 | $1,515.20 |
| 48-Month CD | 2.962% | $148.08 | $296.16 | $740.40 | $1,480.80 |
| 60-Month CD | 3.012% | $150.62 | $301.24 | $753.10 | $1,506.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 23, 2026. | |||||
Sample CD Ladder for Sugar Land, 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 | 2.080% | $103.98 |
| 2 | 6-Month CD | $5,000 | 1.987% | $99.37 |
| 3 | 12-Month CD | $5,000 | 2.438% | $121.90 |
| 4 | 24-Month CD | $5,000 | 2.631% | $131.54 |
| 5 | 36-Month CD | $5,000 | 3.030% | $151.52 |
| Total ($25,000 invested) | $25,000 | 2.433% blended | $608.31/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,150
CD Rates
Tracked in Sugar Land, Texas
Tracked in Sugar Land, Texas
42 Banks
82 Credit Unions
About Our Sugar Land, Texas CD Rate Database
MonitorBankRates tracks 1,150 CD rates from 42 banks and 82 credit unions with locations in Sugar Land, 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: Nizari Progressive Federal Credit Union offers a CD at 4.07% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sugar Land, Texas.
How to Find the Best CD Rates in Sugar Land, Texas
What to compare when shopping for a CD in Sugar Land, Texas
To find the best APYs in Sugar Land, Texas, start with credit unions and online-only banks — Sugar Land, Texas has 82 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 Sugar Land, 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 Sugar Land, Texas — 124 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Sugar Land, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Sugar Land, Texas money market rates
Sugar Land, Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
19.3%
National avg: 17.3%
Median Individual Earnings
$63,644
National avg: $47,340
Poverty Rate
5.5%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$155/yr
At TX 12-mo avg 2.438% APY
19.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s TX 12-month CD average of 2.438%, saving 10% of the local median salary ($6,364/year) and putting it in a CD would earn an additional $155 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, Texas as everywhere in the U.S.
Choosing a CD Term in Sugar Land, 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 Sugar Land, Texas savers easier access to their funds. For example, Golden Bank National Association is offering its 180-Day CD at 4.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, JSC Federal Credit Union is offering its 60 months at 3.50% 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Sugar Land, 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 Sugar Land, Texas
Are CD rates in Sugar Land, Texas FDIC insured?
Yes, most established banks in Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, Texas?
Here are recent top rates found for this area:
- Nizari Progressive Federal Credit Union: 4.07% APY (Momentum Share Certificate 3 Month)
- Golden Bank National Association: 4.05% APY (180-Day CD)
- Plains State Bank: 3.82% APY (12 Month CD)
- First Community Credit Union Houston, TX: 3.75% APY (3 Year CD)
- Brazos Valley Schools Credit Union: 3.75% APY (12 Months)
- JSC Federal Credit Union: 3.75% APY (18 months)
- Texas Dow Employees Credit Union: 3.75% APY (12 months)
- PrimeWay Federal Credit Union: 3.65% APY (12 Month Certificate)
- Frost Bank: 3.55% APY (90 Day)
- Sunflower Bank: 3.40% APY (6-Month CD Special)
Rates reflect recent verified offers available in Sugar Land, Texas. Last Updated: June 23, 2026
CD Calculators for Sugar Land, Texas
Sugar Land, Texas CD Calculator
At today’s TX top rate of 4.07% APY, a $10,000 deposit earns $407 in the first year. Enter your amount to see your exact return.
Sugar Land, Texas CD LadderTX CD rates currently range from 2.080% (3-month) to 3.030% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Sugar Land, Texas CD at 4.07% 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 2.438% 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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: June 23, 2026
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