Sugar Land, Texas CD Rates Today - Compare Best APYs for May 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: 2.18%Real return: +1.22%APY minus CPI (February 2026) offering IRA Share Certificate 12 Month at 4.02% APY, Capital One BankCapital One BankA5.0 ★Texas Ratio: 10.41%Real return: +1.10%APY minus CPI (February 2026) offering 12 Months CD at 3.90% APY, Houston Federal Credit UnionHouston Federal Credit Union16320 Kensington Dr, Sugar Land, TX 77479 4097A+5.0 ★Texas Ratio: 2.55%Real return: +1.00%APY minus CPI (February 2026) offering Share Certificate Accounts - Share 12 Month to 17 Month at 3.80% APY, Texas Dow Employees Credit UnionTexas Dow Employees Credit UnionB-4.4 ★Texas Ratio: 22.42%Real return: +0.95%APY minus CPI (February 2026) offering Standard CD 12 months at 3.75% APY, and First Service Credit UnionFirst Service Credit UnionA+5.0 ★Texas Ratio: 5.02%Real return: +0.95%APY minus CPI (February 2026) offering Smart Growth CD Rate 12 Month at 3.75% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Sugar Land has 244 local institutions in our database, with CD rates as high as 4.02% 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: May 12, 2026
Compare Best CD Rates in Sugar Land, Texas & the Surrounding Area
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: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate Rate 3 Month
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Reach your goals faster and take your money even further.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CD 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CDs 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
Standard CD 3 months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
IRA Term Certificate 3 Months
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
3 Months Certificate Account
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$100,001
3.92%
▼
Rate3.85%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$50,001
3.87%
▼
Rate3.80%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day Certificate Of Deposit (CD)
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Jumbo Certificate Of Deposit (CD) 90 Day
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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—
UpdatedMay 5, 2026
Details
Daily Balances of: $100,000 and over
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 3 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3-Month Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Regular
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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—
UpdatedMay 5, 2026
Details
Daily Balances of: $500 - $99,999.99
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3-Month Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month Traditional/Roth IRA
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
3-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texas Heritage National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
90 Days Certificates of Deposit
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month CD
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Share Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Share Certificates: or Greater
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
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: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 6 Month to 11 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
6 Month Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
6 Month Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
6 Months Certificate Account
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
IRA Term Certificate 6 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6-month Tier Jumbo
$100,000
2.60%
▼
Rate2.57%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6-month Tier Jumbo Certificate of Deposit
$100,000
2.60%
▼
Rate2.57%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 6-month Tier Jumbo
$100,000
2.60%
▼
Rate2.57%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6-month Tier Mini Jumbo
$50,000
2.55%
▼
Rate2.52%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6-month Tier Mini Jumbo Certificate of Deposit
$50,000
2.55%
▼
Rate2.52%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 6-month Tier Mini Jumbo
$50,000
2.55%
▼
Rate2.52%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Business Certificates of Deposit 6 Months Tier
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 6-month Tier
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6-month Tier Certificate of Deposit
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6-month Tier
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
Standard CD 6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CD 6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CDs 6 months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Certificate of Deposit 6 Months
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
IRA Certificate of Deposit 6 Months
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Special 6-Month Share Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 2)
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Branch
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Months Share Certificate
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Minor Share Certificates 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 1)
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Regular or IRA Share Certificates 6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
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: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$50,000
3.97%
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 12 Month to 17 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CD 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CDs 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
Standard CD 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
12 Months Certificate Account
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
IRA Term Certificate 12 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Smart Growth CD 12 Month
$100
3.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Smart Growth CD Rate 12 Month
$100
3.75%
▼
Rate3.69%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Promotional Certificate of Deposit 12 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
12 Month Certificate of Deposit
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
12-month IRA Certificate
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
12-month Tier Jumbo
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
12-month Tier Jumbo Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 12-month Tier Jumbo
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month Share Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
12-month Tier Mini Jumbo
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
12-month Tier Mini Jumbo Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 12-month Tier Mini Jumbo
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 12-month Tier
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
12-month Tier Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Business Certificates of Deposit 12 Months Tier
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
12-month Tier
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.64%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
IRA Certificates 12 Months
$0
2.67%
▼
Rate2.64%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate Relationship
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Certificate of Deposit 12 Months
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Certificate of Deposit 12 Months Wealth Builder Certificate
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Certificate of Deposit 12 Months Youth Club Certificate
$250
0.15%
▼
Rate0.15%
Min Deposit$250
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
IRA Certificate of Deposit 12 Months
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $49,000.00
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 2)
$0
4.24%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
12 Months Certificate/IRA
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Months Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Promotional Certificate of Deposit 18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
18 Month Certificate of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CD 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CDs 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
Standard CD 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 18 Month to 23 Month
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.91%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.86%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.64%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
IRA Certificates 18 Months
$0
2.67%
▼
Rate2.64%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
IRA CDs 18 Month Variable IRA
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Certificate of Deposit 18 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
IRA Certificate of Deposit 18 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Months Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
NEW MONEY Certificate of Deposit Special!
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18 Month Term Share Certificate
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 18 Months
$50,000
4.07%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-Month Certificate Special
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Special rate available with funds new to Essential.
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-month Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-month Share Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
18 Months Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 18 Months
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
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—
UpdatedMay 7, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
IRA Certificates 18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal IRA Certificates 18 Months
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Certificate of Deposit (CD) 18 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
18 Months Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
18 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedMay 12, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Save more when you move at least $500 from another financial institution.
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Bump Rate CDs 18 Months
$5,000
3.75%
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Share Certificates: or Greater 18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Share Certificates: or Greater
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
18 Month Term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 mos. Roth IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
18 mos. Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
18 mo.
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 18 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
IRA Term Certificate 24 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
24 Month Certificate of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
24 Months Certificate Account
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 24 Month to 29 Month
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
24-month IRA Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
24-month Tier Jumbo
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
24-month Tier Jumbo Certificate of Deposit
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 24-month Tier Jumbo
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
24-month Tier Mini Jumbo
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
24-month Tier Mini Jumbo Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 24-month Tier Mini Jumbo
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
24-month Tier Certificate of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 24-month Tier
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Business Certificates of Deposit 24 Months Tier
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Promotional Certificate of Deposit 24 Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
24-month Tier
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
Standard CD 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CDs 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CD 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 24 Month
$100,000
2.99%
▼
Rate2.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 24 Month
$50,000
2.94%
▼
Rate2.90%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 24 Month
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
IRA Certificates 24 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Certificate of Deposit 24 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
IRA Certificate of Deposit 24 Months
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
Callable CD 24 Months
$50,000
4.33%
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 and over
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Kidicate Share Certificate (24 Months)
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 24 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (2 year)
$250,001
3.92%
▼
Rate3.85%
Min Deposit$250,001
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
36 Month Certificate of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 36 Month to 47 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
36 Months Certificate Account
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
IRA Term Certificate 36 Months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 36 Month
$100,000
3.04%
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 36 Month
$50,000
2.99%
▼
Rate2.95%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 36 Month
$1,000
2.94%
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 36-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
36-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
36-month Tier Jumbo Certificate of Deposit
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
36-month IRA Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
36-month Tier Mini Jumbo
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
36-month Tier Mini Jumbo Certificate of Deposit
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 36-month Tier Mini Jumbo
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
36-month Tier
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
36-month Tier Certificate of Deposit
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 36-month Tier
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
IRA Certificates 36 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
Standard CD 36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CDs 36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CD 36 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Certificate of Deposit 36 Months
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
IRA Certificate of Deposit 36 Months
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 36 MONTHS
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
IRA 36 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 48 Month to 59 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
48 Month Certificate of Deposit
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
48 Months Certificate Account
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
IRA Term Certificate 48 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
48-month IRA Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
48-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
48-month Tier Jumbo Certificate of Deposit
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 48-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
48-month Tier Mini Jumbo
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
48-month Tier Mini Jumbo Certificate of Deposit
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 48-month Tier Mini Jumbo
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 48-month Tier
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
48-month Tier
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
48-month Tier Certificate of Deposit
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
IRA Certificates 48 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 48 Month
$100,000
2.43%
▼
Rate2.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 48 Month
$50,000
2.38%
▼
Rate2.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CD 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CDs 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
Standard CD 48 months
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 48 Month
$1,000
2.32%
▼
Rate2.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
IRA Certificate of Deposit 48 Months
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Certificate of Deposit 48 Months
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$250,001
3.82%
▼
Rate3.75%
Min Deposit$250,001
Min Balance—
UpdatedMay 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 & over
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 3 to 4 Years (1,095 to 1,460 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit Regular 48 Months
$500
3.80%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$100,001
3.76%
▼
Rate3.70%
Min Deposit$100,001
Min Balance—
UpdatedMay 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate of Deposit 4 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Step Up Share Certificates 4 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 3 to 4 Years (1,095 to 1,460 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$50,001
3.71%
▼
Rate3.65%
Min Deposit$50,001
Min Balance—
UpdatedMay 7, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Certificates 48 Month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed-Rate IRA 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 48 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 60 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
60 Month Certificate of Deposit
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month IRA Special Certificate
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month Tier Jumbo
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month Tier Jumbo Certificate of Deposit
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 60-month Tier Jumbo
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month Tier Mini Jumbo
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month Tier Mini Jumbo Certificate of Deposit
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 60-month Tier Mini Jumbo
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 60-month Tier
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Business Certificates of Deposit 60 Months Tier
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month Tier Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month Tier
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
IRA Certificates 60 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 60 Month
$100,000
2.48%
▼
Rate2.45%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 60 Month
$50,000
2.43%
▼
Rate2.40%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CD 60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
IRA CDs 60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
Standard CD 60 months
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 60 Month
$1,000
2.38%
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Certificate of Deposit 60 Months
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
IRA Certificate of Deposit 60 Months
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Jumbo, 5 Year Term Certificates
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
Callable CD 60 Months
$50,000
4.13%
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$50,000 - $99,999.99
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
IRA Certificate 60 Month
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 Minimum
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
Share Certificates (Including IRA Certificates) 60 Months
$50,000
3.92%
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
5 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Standard CDs 60 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Sugar Land, Texas at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Sugar Land depositors is 4.02% APY from Nizari Progressive Federal Credit Union. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
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
2.607%
▲ 0.021 vs 7 days ago
Texas 12-month CD rates rose 0.021 points over the past 7 days to 2.607% APY.
6-Month CD — TX Avg
1.956%
▲ 0.028 vs 7 days ago
Texas 6-month CD rates rose 0.028 points over the past 7 days to 1.956% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
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TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.607%
6-Month Forecast
2.607%
Range: 2.41% – 2.76%
12-Month Forecast
2.357%
Range: 2.16% – 2.51%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.847% | $92.33 | $184.66 | $461.65 | $923.30 |
| 6-Month CD | 1.956% | $97.82 | $195.63 | $489.08 | $978.15 |
| 12-Month CD | 2.607% | $130.35 | $260.70 | $651.75 | $1,303.50 |
| 18-Month CD | 2.937% | $146.85 | $293.69 | $734.23 | $1,468.45 |
| 24-Month CD | 2.953% | $147.64 | $295.28 | $738.20 | $1,476.40 |
| 36-Month CD | 3.111% | $155.57 | $311.14 | $777.85 | $1,555.70 |
| 48-Month CD | 3.047% | $152.33 | $304.65 | $761.63 | $1,523.25 |
| 60-Month CD | 3.137% | $156.87 | $313.74 | $784.35 | $1,568.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 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 | 1.847% | $92.33 |
| 2 | 6-Month CD | $5,000 | 1.956% | $97.82 |
| 3 | 12-Month CD | $5,000 | 2.607% | $130.35 |
| 4 | 24-Month CD | $5,000 | 2.953% | $147.64 |
| 5 | 36-Month CD | $5,000 | 3.111% | $155.57 |
| Total ($25,000 invested) | $25,000 | 2.495% blended | $623.71/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.
1,641
CD Rates
Tracked in Sugar Land, Texas
Tracked in Sugar Land, Texas
29 Banks
78 Credit Unions
About Our Sugar Land, Texas CD Rate Database
MonitorBankRates tracks 1,641 CD rates from 29 banks and 78 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 4.02% APY with a minimum deposit of $100,000. 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 78 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 — 107 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
$166/yr
At TX 12-mo avg 2.607% 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 2.607%, saving 10% of the local median salary ($6,364/year) and putting it in a CD would earn an additional $166 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 |
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: 4.02% APY (IRA Share Certificate 12 Month)
- Capital One Bank: 3.90% APY (12 Months CD)
- Houston Federal Credit Union: 3.80% APY (Share Certificate Accounts - Share 12 Month to 17 Month)
- First Service Credit Union: 3.75% APY (Smart Growth CD 12 Month)
- Brazos Valley Schools Credit Union: 3.75% APY (IRA Term Certificate 12 Months)
- Texas Dow Employees Credit Union: 3.75% APY (Standard CD 12 months)
- PrimeWay Federal Credit Union: 3.65% APY (Promotional Certificate of Deposit 12 Month Certificate)
- Smart Financial Credit Union: 3.60% APY (12-month IRA 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: May 12, 2026
CD Calculators for Sugar Land, Texas
Sugar Land, Texas CD Calculator
At today’s TX top rate of 4.02% APY, a $10,000 deposit earns $402 in the first year. Enter your amount to see your exact return.
Sugar Land, Texas CD LadderTX CD rates currently range from 1.847% (3-month) to 3.111% (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 4.02% 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 2.607% 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: May 12, 2026
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