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CD Rate Trends

Sugar Land, Texas Best CD Rates September 2026

Current Sugar Land, Texas CD rates include First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX3400 Highway 6, Sugar Land, TX 77478 4408A+5.0 ★Texas Ratio: 3.51%Real return: +1.70%APY minus CPI (February 2026) offering 3 Year Business CD at 4.50% APY, Capital One BankCapital One Bank2353 Town Center Dr, Sugar Land, TX 77478A5.0 ★Texas Ratio: 7.01%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month 360 CDs at 4.30% APY, Amerant BankAmerant Bank330 Highway 6, Sugar Land, TX 77478B+4.7 ★Texas Ratio: 18.92%Real return: +1.45%APY minus CPI (February 2026) offering 6-month CD at 4.25% APY, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678A+5.0 ★Texas Ratio: 1.88%Real return: +1.33%APY minus CPI (February 2026) offering Momentum Share Certificate Rate - 3 Month Special at 4.13% APY, and Houston Federal Credit UnionHouston Federal Credit Union16320 Kensington Dr, Sugar Land, TX 77479 4097A+5.0 ★Texas Ratio: 1.93%Real return: +1.32%APY minus CPI (February 2026) offering 60 Month Share Certificate Accounts - IRA & Jumbo at 4.12% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.

Sugar Land has 325 local institutions in our database, with CD rates as high as 4.50% APY from First Community Credit Union Houston, TX at 3400 Highway 6, Sugar Land, TX 77478 4408. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026

Compare Best CD Rates in Sugar Land, Texas & the Surrounding Area

Sugar Land 3 Month CD Rates

National 3 Month CD Average2.06% APY▲ 0.02% from last week
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: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Month Business CD
$5,000
4.30% ▲ 2.24% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.24% above avg
Details

$1,000,000.00+

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Month Business CD
$5,000
4.20% ▲ 2.14% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.14% above avg
Details

$250,000.00 - $999,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate Rate - 3 Month Special
$0
4.13% ▲ 2.07% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details

Balance: $1000.00 - $49,999.99

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Month Business CD
$5,000
4.10% ▲ 2.04% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.04% above avg
Details

$100,000.00 - $249,999.99

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Month Business CD
$5,000
4.00% ▲ 1.94% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details

MIN BALANCE - $99,999.99

Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
2150 Town Square Pl, Sugar Land, TX 77479
3-Month CD
$0
3.80% ▲ 1.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
3 Month Certificate of Deposit
$0
3.80% ▲ 1.74% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.74% above avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
3 Month Certificate of Deposit
$0
3.70% ▲ 1.64% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.64% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
90 Day Certificate of Deposit
$0
3.60% ▲ 1.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details

Balance: $500,000+; $500,000+ minimum balance

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
90 Day Jumbo CD
$0
3.60% ▲ 1.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details

Annual Percentage Yield effective as of 09/18/2026. Fees or withdrawals could reduce the earnings on the account. Penalty may be imposed for early withdrawal. For CDs of $500,000 and over.

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
3 Month Certificate of Deposit
$0
3.55% ▲ 1.49% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.49% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
90 Day Certificate of Deposit
$0
3.35% ▲ 1.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.29% above avg
Details

Balance: $100,000 and over

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
90 Day Certificate of Deposit
$0
3.05% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details

Balance: $1,000 to $99,999.99

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
330 Highway 6, Sugar Land, TX 77478
3 Month Certificates of Deposit
$0
3.00% ▲ 0.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details

FL

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
3 Month CD
$500
2.00% ▼ 0.06% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 Month Elements CD
$0
1.75% ▼ 0.31% below national avg
Rate1.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.31% below avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 Month IRA CD
$0
1.75% ▼ 0.31% below national avg
Rate1.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.31% below avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 Month Kids Club and Teens CDs
$0
1.75% ▼ 0.31% below national avg
Rate1.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.31% below avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 Month Kids Club CD
$0
1.75% ▼ 0.31% below national avg
Rate1.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.31% below avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 Month Standard CDs
$0
1.75% ▼ 0.31% below national avg
Rate1.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.31% below avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 3 months
$0
1.75% ▼ 0.31% below national avg
Rate1.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.31% below avg
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
3 Month Certificate
$1,000
1.25% ▼ 0.81% below national avg
Rate1.24%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.81% below avg
Details

Rate: 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 3 Months
$95,000
1.25% ▼ 0.81% below national avg
Rate1.24%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.81% below avg
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Traditional IRA Jumbo Term Certificates - 3 Months
$95,000
1.25% ▼ 0.81% below national avg
Rate1.24%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.81% below avg
Details

Rate: 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.; IRA Jumbo Term Certificates (Available as both Traditional and Roth)

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1000 Eldridge Rd, Sugar Land, TX 77478
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.00% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details

Early withdrawal penalties may apply.

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
90 Day Standard CD Products
$0
0.06% ▼ 2.00% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details

Balance: Under $100,000

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1000 Eldridge Rd, Sugar Land, TX 77478
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.01% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details

Relationship APY 0.06%. Early withdrawal penalties may apply.

Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
5.10% ▲ 3.04% above national avg
Rate5.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 3.04% above avg
Details

$50,000+

Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
4.84% ▲ 2.78% above national avg
Rate4.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.78% above avg
Details

$1,000 - $49,999

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32% ▲ 2.26% above national avg
Rate4.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details

UP to $99,999.99

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$250,001
4.23% ▲ 2.17% above national avg
Rate4.15%
Min Deposit$250,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.17% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$100,001
4.18% ▲ 2.12% above national avg
Rate4.10%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.12% above avg
Details

Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificates of Deposit
$0
4.18% ▲ 2.12% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 2.12% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$50,001
4.13% ▲ 2.07% above national avg
Rate4.05%
Min Deposit$50,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$250,001
4.13% ▲ 2.07% above national avg
Rate4.05%
Min Deposit$250,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.07% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA Certificate
$1,000
4.07% ▲ 2.01% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.01% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$100,001
4.07% ▲ 2.01% above national avg
Rate4.00%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.01% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$50,001
4.02% ▲ 1.96% above national avg
Rate3.95%
Min Deposit$50,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.96% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$0
4.00% ▲ 1.94% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3-Month Certificate
$0
4.00% ▲ 1.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details

No minimum deposit.

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3-Month HYRC Certificate
$0
4.00% ▲ 1.94% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details

High-Yield Rewards Checking Account required

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$1,000
3.97% ▲ 1.91% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.91% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
90 Day Certificate
$1,000
3.90% ▲ 1.84% above national avg
Rate3.84%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.84% above avg
Details

Compounded: ; Credited: At Maturity

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 3 Month CD
$500
3.85% ▲ 1.79% above national avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.79% above avg
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
90 Day Certificate
$0
3.80% ▲ 1.74% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
90 Day Star Certificate of Deposit
$1,000
3.80% ▲ 1.74% above national avg
Rate3.73%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Certificate Of Deposit (CD)
$0
3.80% ▲ 1.74% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.74% above avg
Details

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Jumbo Certificate Of Deposit (CD)
$0
3.80% ▲ 1.74% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.74% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 Month Certificates of Deposit (CD)
$0
3.75% ▲ 1.69% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3-Month Certificate
$0
3.75% ▲ 1.69% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details

Sugar Land 6 Month CD Rates

National 6 Month CD Average2.77% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
6 Month 360 CDs
$0
4.30% ▲ 1.53% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details

Fixed APY | No minimum balance

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
330 Highway 6, Sugar Land, TX 77478
6-month CD
$10,000
4.25% ▲ 1.48% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details

Promotional CD offer valid for FL residents. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
6 Month IRA Share Certificate
$0
3.92% ▲ 1.15% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details

Balance: $100,000 & Over

Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
800 Bonaventure Way, Sugar Land, TX 77479
6-MONTH CD
$0
3.88% ▲ 1.11% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.11% above avg
Details

Balance: $100,000 AND ABOVE

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
6 Month Share Certificate Accounts - IRA & Jumbo
$0
3.87% ▲ 1.10% above national avg
Rate3.81%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.10% above avg
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
6 Month IRA Share Certificate
$0
3.87% ▲ 1.10% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.10% above avg
Details

Balance: $50,000.00 - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
6 Month IRA Share Certificate
$0
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details

Balance: $1000 - $49,999.99

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
6 Month Certificate of Deposit
$0
3.75% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
6 Month Share Certificate Accounts - Share
$0
3.75% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
800 Bonaventure Way, Sugar Land, TX 77479
6-MONTH CD
$0
3.73% ▲ 0.96% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.96% above avg
Details

Balance: $10,000 - $99,999

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
6 Month Certificate of Deposit
$0
3.65% ▲ 0.88% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
6 Month Business CD
$5,000
3.65% ▲ 0.88% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details

$1,000,000.00+

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
6 Month Certificate of Deposit (Jumbo)
$0
3.65% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details

Balance: $50,000 and over

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
6 Month IRA Certificate of Deposit
$0
3.65% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details

Balance: $1,000 and over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
6 Month Share Certificate
$0
3.61% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.84% above avg
Details

Balance: $1000 - $49,999.99

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
6 Month Elements CD
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
6 Month IRA CD
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
6 Month Kids Club and Teens CDs
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
6 Month Kids Club CD
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
6 Month Standard CDs
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 6 months
$0
3.60% ▲ 0.83% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
6 Month Business CD
$5,000
3.55% ▲ 0.78% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details

$250,000.00 - $999,999.99

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
6 Month Certificate
$0
3.55% ▲ 0.78% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
6 Month Certificate of Deposit
$0
3.49% ▲ 0.72% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.72% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
6 Month Business CD
$5,000
3.45% ▲ 0.68% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.68% above avg
Details

$100,000.00 - $249,999.99

Sunflower Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
3 Sugar Creek Center Blvd, Sugar Land, TX 77478
6-Month CD Special
$0
3.40% ▲ 0.63% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details

Limited Time CD Special

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
6 Month Business CD
$5,000
3.35% ▲ 0.58% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.58% above avg
Details

MIN BALANCE - $99,999.99

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
6 Month CD
$0
3.30% ▲ 0.53% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
6 Month Certificate
$1,000
3.25% ▲ 0.48% above national avg
Rate3.21%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details

Rate: 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 6 Months
$95,000
3.25% ▲ 0.48% above national avg
Rate3.20%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Traditional IRA Jumbo Term Certificates - 6 Months
$95,000
3.25% ▲ 0.48% above national avg
Rate3.21%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
Details

Rate: 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.; IRA Jumbo Term Certificates (Available as both Traditional and Roth)

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
180 Day Certificate of Deposit
$0
3.10% ▲ 0.33% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.33% above avg
Details

Balance: $100,000 and over

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
6 Month Certificate
$1,000
3.00% ▲ 0.23% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details

BUMP Dividend Rate: 3.20%; BUMP Annual Percentage Yield (APY): 3.25%; Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
6 Month IRA Certificate
$1,000
3.00% ▲ 0.23% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details

BUMP Dividend Rate: 3.20%; BUMP Annual Percentage Yield (APY): 3.25%; Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
180 Day Certificate of Deposit
$0
2.70% ▼ 0.07% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details

Balance: $1,000 to $99,999.99

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 6 Months Tier Jumbo
$100,000
2.60% ▼ 0.17% below national avg
Rate2.57%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.17% below avg
Details

Balance: $100,000+

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 6 Months Tier Mini Jumbo
$50,000
2.55% ▼ 0.22% below national avg
Rate2.52%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.22% below avg
Details

Balance: $50,000

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
6-month Tier
$1,000
2.50% ▼ 0.27% below national avg
Rate2.47%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.27% below avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 6 Months Tier
$1,000
2.50% ▼ 0.27% below national avg
Rate2.47%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.27% below avg
Details

Balance: $1,000

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
6 Month CD
$500
2.25% ▼ 0.52% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.52% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
180 Day Standard CD Products
$0
1.50% ▼ 1.27% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details

Balance: Under $100,000

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
6 Month IRA CD
$0
1.50% ▼ 1.27% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1000 Eldridge Rd, Sugar Land, TX 77478
6 month Standard Interest Rate
$2,500
0.06% ▼ 2.71% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.71% below avg
Details

Early withdrawal penalties may apply.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1000 Eldridge Rd, Sugar Land, TX 77478
6 month Standard Fixed Rate
$2,500
0.05% ▼ 2.72% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.72% below avg
Details

Relationship APY 0.06%. Early withdrawal penalties may apply.

Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificates of Deposit
$0
5.10% ▲ 2.33% above national avg
Rate5.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 2.33% above avg
Details

$50,000+

Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificates of Deposit
$0
4.84% ▲ 2.07% above national avg
Rate4.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 2.07% above avg
Details

$1,000 - $49,999

Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
6-Month Promo Certificate
$0
4.30% ▲ 1.53% above national avg
Rate4.23%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details

Promo Certificate Disclosure - The 6-month Promotional Certificate Annual Percentage Yield (APY). Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date April 1, 2026. Chartway Credit Union reserves the right to end or modify the offer at any time. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate. Rate subject to change. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in the Funds Availability Policy.

Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month CD Offer
$0
4.28% ▲ 1.51% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.51% above avg
Details

Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6 Month Jumbo Certificates of Deposit
$0
4.23% ▲ 1.46% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.46% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 Month IRA Certificate
$250,001
4.23% ▲ 1.46% above national avg
Rate4.15%
Min Deposit$250,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.46% above avg
Details

Sugar Land 12 Month CD Rates

National 12 Month CD Average2.95% APY▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
12 Month 360 CDs
$0
4.30% ▲ 1.35% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.35% above avg
Details

Fixed APY | No minimum balance

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
12 Month Share Certificate Accounts - IRA & Jumbo
$0
4.07% ▲ 1.12% above national avg
Rate4.01%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month IRA Share Certificate
$0
4.02% ▲ 1.07% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.07% above avg
Details

Balance: $100,000 & Over

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
1-year online CDs
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
12 Month CD
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
330 Highway 6, Sugar Land, TX 77478
12-month CD
$10,000
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Promotional CD offer valid for FL residents. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month IRA Share Certificate
$0
3.97% ▲ 1.02% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.02% above avg
Details

Balance: $50,000.00 - $99,999.99

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
12 Month Share Certificate Accounts - Share
$0
3.95% ▲ 1.00% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
1 Year Business CD
$5,000
3.95% ▲ 1.00% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details

$1,000,000.00+

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month IRA Share Certificate
$0
3.92% ▲ 0.97% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.97% above avg
Details

Balance: $1000 - $49,999.99

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
1 Year Business CD
$5,000
3.85% ▲ 0.90% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details

$250,000.00 - $999,999.99

Plains State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.64%
13885 Southwest Fwy, Sugar Land, TX 77478
12 Month CD
$1,000
3.82% ▲ 0.87% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.87% above avg
Details

Annual Percentage Yield (APY) is accurate as of August 28, 2025. Rates offered may change without notice. A penalty may be imposed for early withdrawal. Each depositor is FDIC-insured up to applicable limits.

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
12 Month IRA CD
$0
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
12 Month Kids Club and Teens CDs
$0
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
12 Month Kids Club CD
$0
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
12 Month Standard CDs
$0
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Certificate of Deposit (CD) 12 Months
$0
3.75% ▲ 0.80% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details

APYs as of 9/16/26

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 12 months
$0
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
12 Month Certificate
$1,000
3.75% ▲ 0.80% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details

Rate: 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 12 Months
$95,000
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Traditional IRA Jumbo Term Certificates - 12 Months
$95,000
3.75% ▲ 0.80% above national avg
Rate3.70%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details

Rate: 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.; IRA Jumbo Term Certificates (Available as both Traditional and Roth)

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
1 Year Business CD
$5,000
3.75% ▲ 0.80% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details

$100,000.00 - $249,999.99

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
12 Month Certificate of Deposit (Jumbo)
$0
3.70% ▲ 0.75% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details

Balance: $50,000 and over

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
12 Month IRA Certificate of Deposit
$0
3.70% ▲ 0.75% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details

Balance: $1,000 and over

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
1 Year Business CD
$5,000
3.65% ▲ 0.70% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.70% above avg
Details

MIN BALANCE - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month Share Certificate
$0
3.61% ▲ 0.66% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.66% above avg
Details

Balance: $100,000 & Over

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
12 Month IRA Certificate
$1,000
3.60% ▲ 0.65% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 12 Months Tier Jumbo
$100,000
3.60% ▲ 0.65% above national avg
Rate3.54%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
12 Month CD
$100
3.60% ▲ 0.65% above national avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details

High Dividends on eligible balances. Swift Access with eStatements. Guaranteed Safety up to $250,000. Stay Committed with $50 monthly direct deposit. Anytime Deposits allowed.

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
12 Month Certificate
$100
3.60% ▲ 0.65% above national avg
Rate3.54%
Min Deposit$100
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details

Balance: $100 and over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month Share Certificate
$0
3.56% ▲ 0.61% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details

Balance: $50,000.00 - $99,999.99

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 12 Months Tier Mini Jumbo
$50,000
3.55% ▲ 0.60% above national avg
Rate3.49%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.60% above avg
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
12 Month Share Certificate
$0
3.51% ▲ 0.56% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.56% above avg
Details

Balance: $1000 - $49,999.99

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
12 Month Certificate
$1,000
3.50% ▲ 0.55% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details

BUMP Dividend Rate: 3.68%; BUMP Annual Percentage Yield (APY): 3.75%; Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
12 Month IRA Certificate
$1,000
3.50% ▲ 0.55% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details

BUMP Dividend Rate: 3.68%; BUMP Annual Percentage Yield (APY): 3.75%; Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
12-month Tier
$0
3.50% ▲ 0.55% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 12 Months Tier
$1,000
3.50% ▲ 0.55% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
4880 Sweetwater Blvd, Sugar Land, TX 77479
12 Month Certificate of Deposit (CDs)
$0
3.25% ▲ 0.30% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details

Special rate on select new CD accounts.

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
12 Month Certificate of Deposit
$0
3.08% ▲ 0.13% above national avg
Rate3.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.13% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
12 Month Certificate of Deposit
$0
3.00% ▲ 0.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.05% above avg
Details

Balance: $100,000 and over

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
12 Month Certificate of Deposit
$0
2.98% ▲ 0.03% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.03% above avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 12 Months
$0
2.98% ▲ 0.03% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.03% above avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
12 Month Certificate of Deposit
$0
2.79% ▼ 0.16% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.16% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 12 Months
$0
2.79% ▼ 0.16% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.16% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
12 Month Certificate of Deposit
$0
2.55% ▼ 0.40% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.40% below avg
Details

Balance: $1,000 to $99,999.99

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
IRA CD - 12 Month Fixed
$0
2.55% ▼ 0.40% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.40% below avg
Details

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1295 Highway 6, Sugar Land, TX 77478
12 Month Certificate of Deposit
$500
2.00% ▼ 0.95% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
1 Year CD
$500
2.00% ▼ 0.95% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1000 Eldridge Rd, Sugar Land, TX 77478
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.44% below national avg
Rate1.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.44% below avg
Details

Early withdrawal penalties may apply.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1000 Eldridge Rd, Sugar Land, TX 77478
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.45% below national avg
Rate1.49%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details

Relationship APY 1.51%. Early withdrawal penalties may apply.

Sugar Land 18 Month CD Rates

National 18 Month CD Average2.82% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
18 Month 360 CDs
$0
4.30% ▲ 1.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.48% above avg
Details

Fixed APY | No minimum balance

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
18 Month Business CD
$5,000
4.05% ▲ 1.23% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.23% above avg
Details

$1,000,000.00+

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
18 Month Business CD
$5,000
3.95% ▲ 1.13% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.13% above avg
Details

$250,000.00 - $999,999.99

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
18 Month Business CD
$5,000
3.85% ▲ 1.03% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.03% above avg
Details

$100,000.00 - $249,999.99

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
18 Month Share Certificate Accounts - IRA & Jumbo
$0
3.82% ▲ 1.00% above national avg
Rate3.77%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.00% above avg
Details

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
18 Month Certificate
$1,000
3.75% ▲ 0.93% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details

BUMP Dividend Rate: 3.93%; BUMP Annual Percentage Yield (APY): 4.00%; Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
18 Month IRA Certificate
$1,000
3.75% ▲ 0.93% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details

BUMP Dividend Rate: 3.93%; BUMP Annual Percentage Yield (APY): 4.00%; Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
18 Month Business CD
$5,000
3.75% ▲ 0.93% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details

MIN BALANCE - $99,999.99

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
18 Month Share Certificate Accounts - Share
$0
3.70% ▲ 0.88% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.88% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
18 Month Elements CD
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
18 Month IRA CD
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
18 Month Kids Club and Teens CDs
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
18 Month Kids Club CD
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
18 Month Standard CDs
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Certificate of Deposit (CD) 18 Months
$0
3.65% ▲ 0.83% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details

APYs as of 9/16/26

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 18 months
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
18 Month Certificate of Deposit (Jumbo)
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details

Balance: $50,000 and over

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
18 Month IRA Certificate of Deposit
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details

Balance: $1,000 and over

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
18 Month CD
$0
3.60% ▲ 0.78% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
18 Month Certificate
$0
3.55% ▲ 0.73% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.96% ▲ 0.14% above national avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.14% above avg
Details

Balance: $100,000 & Over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.91% ▲ 0.09% above national avg
Rate2.87%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.09% above avg
Details

Balance: $50,000.00 - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.86% ▲ 0.04% above national avg
Rate2.82%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.04% above avg
Details

Balance: $1000 - $49,999.99

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
18 Month Certificate of Deposit
$0
2.52% ▼ 0.30% below national avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.30% below avg
Details

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
330 Highway 6, Sugar Land, TX 77478
18 Month Certificates of Deposit
$0
2.50% ▼ 0.32% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.32% below avg
Details

FL

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
18 Month Certificate of Deposit
$0
2.27% ▼ 0.55% below national avg
Rate2.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.55% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 18 Months
$0
2.27% ▼ 0.55% below national avg
Rate2.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.55% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
18 Month Certificate of Deposit
$0
2.02% ▼ 0.80% below national avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.80% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 18 Months
$0
2.01% ▼ 0.81% below national avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.81% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
18 Month IRA CD
$0
1.50% ▼ 1.32% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
18 Month Standard CD Products
$0
1.50% ▼ 1.32% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details

Balance: Under $100,000

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
IRA CD - 18 Month Variable
$0
0.90% ▼ 1.92% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.92% below avg
Details

Term: 18 Month Variable IRA

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
IRA CD - 18 Month Variable
$0
0.03% ▼ 2.79% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.79% below avg
Details

Term: 18 Month Variable IRA

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1295 Highway 6, Sugar Land, TX 77478
18 Month Certificate of Deposit
$500
0.02% ▼ 2.80% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.80% below avg
Details

TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 Month Share Certificates
$0
4.35% ▲ 1.53% above national avg
Rate4.27%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.53% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.30% ▲ 1.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.48% above avg
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
18 Month Certificate
$0
4.25% ▲ 1.43% above national avg
Rate4.16%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
18 Month Star Certificate of Deposit
$1,000
4.25% ▲ 1.43% above national avg
Rate4.16%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.43% above avg
Details

Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25% ▲ 1.43% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.43% above avg
Details

Bump-Up CD; Available for a limited time only; Allows you to increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer; Available in Dubuque, Lubbock, Albuquerque, and Boise.

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Jumbo CD
$50,000
4.25% ▲ 1.43% above national avg
Rate4.17%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.43% above avg
Details

APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
18 Month Certificate
$1,000
4.15% ▲ 1.33% above national avg
Rate4.09%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.33% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.15% ▲ 1.33% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details

Interest Frequency: Monthly

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Standard CDs
$1,000
4.15% ▲ 1.33% above national avg
Rate4.07%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.33% above avg
Details

APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
18 Month Certificate of Deposit
$50,000
4.15% ▲ 1.33% above national avg
Rate4.07%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.33% above avg
Details

Balance: Jumbo ($50K plus)

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

Interest Frequency: Semi

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Business Term Share Certificate
$1,000
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.28% above avg
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
18 Month Term Share Certificate
$1,000
4.07% ▲ 1.25% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.25% above avg
Details

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

Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18 Month Certificates of Deposit
$0
4.06% ▲ 1.24% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.24% above avg
Details

$50,000+

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.05% ▲ 1.23% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.23% above avg
Details

Interest Frequency: Semi

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate
$1,000
4.05% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.23% above avg
Details

Sugar Land 24 Month CD Rates

National 24 Month CD Average2.84% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
24 Month 360 CDs
$0
4.30% ▲ 1.46% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details

Fixed APY | No minimum balance

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
2 Year Business CD
$5,000
4.15% ▲ 1.31% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.31% above avg
Details

MIN BALANCE - $99,999.99

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
24 Month Share Certificate Accounts - IRA & Jumbo
$0
3.87% ▲ 1.03% above national avg
Rate3.81%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
24 Month Share Certificate Accounts - Share
$0
3.75% ▲ 0.91% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
24 Month IRA Certificate
$0
3.70% ▲ 0.86% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 24 Months Tier Jumbo
$100,000
3.70% ▲ 0.86% above national avg
Rate3.64%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 24 Months Tier Mini Jumbo
$50,000
3.65% ▲ 0.81% above national avg
Rate3.59%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
24 Month Certificate
$1,000
3.60% ▲ 0.76% above national avg
Rate3.53%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details

BUMP Dividend Rate: 3.78%; BUMP Annual Percentage Yield (APY): 3.85%; Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
24 Month IRA Certificate
$1,000
3.60% ▲ 0.76% above national avg
Rate3.53%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details

BUMP Dividend Rate: 3.78%; BUMP Annual Percentage Yield (APY): 3.85%; Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
24-month Tier
$0
3.60% ▲ 0.76% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 24 Months Tier
$1,000
3.60% ▲ 0.76% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
24 Month Certificate of Deposit (Jumbo)
$0
3.60% ▲ 0.76% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details

Balance: $50,000 and over

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
24 Month IRA Certificate of Deposit
$0
3.60% ▲ 0.76% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details

Balance: $1,000 and over

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
24 Month CD
$0
3.50% ▲ 0.66% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
24 Month Certificate
$1,000
3.50% ▲ 0.66% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate: 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 24 Months
$95,000
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Traditional IRA Jumbo Term Certificates - 24 Months
$95,000
3.50% ▲ 0.66% above national avg
Rate3.45%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate: 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.; IRA Jumbo Term Certificates (Available as both Traditional and Roth)

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
24 Month Certificate
$0
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
24 Month Elements CD
$0
3.45% ▲ 0.61% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
24 Month IRA CD
$0
3.45% ▲ 0.61% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
24 Month Kids Club and Teens CDs
$0
3.45% ▲ 0.61% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
24 Month Kids Club CD
$0
3.45% ▲ 0.61% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
24 Month Standard CDs
$0
3.45% ▲ 0.61% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 24 months
$0
3.45% ▲ 0.61% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month IRA Share Certificate
$0
2.99% ▲ 0.15% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.15% above avg
Details

Balance: $100,000 & Over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.99% ▲ 0.15% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.15% above avg
Details

Balance: $100,000 & Over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month IRA Share Certificate
$0
2.94% ▲ 0.10% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.10% above avg
Details

Balance: $50,000.00 - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.94% ▲ 0.10% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.10% above avg
Details

Balance: $50,000.00 - $99,999.99

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
24 Month Certificate of Deposit
$0
2.90% ▲ 0.06% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.06% above avg
Details

Balance: $100,000 and over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month IRA Share Certificate
$0
2.89% ▲ 0.05% above national avg
Rate2.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.05% above avg
Details

Balance: $1000 - $49,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.89% ▲ 0.05% above national avg
Rate2.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.05% above avg
Details

Balance: $1000 - $49,999.99

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
330 Highway 6, Sugar Land, TX 77478
24 Month Certificates of Deposit
$0
2.50% ▼ 0.34% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.34% below avg
Details

FL

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
24 Month Certificate of Deposit
$0
2.40% ▼ 0.44% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.44% below avg
Details

Balance: $1,000 to $99,999.99

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
IRA CD - 24 Month Fixed
$0
2.40% ▼ 0.44% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.44% below avg
Details

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
2 Year CD
$500
2.25% ▼ 0.59% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.59% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
2 Year IRA CD
$0
1.50% ▼ 1.34% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
2 Year Standard CD Products
$0
1.50% ▼ 1.34% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details

Balance: Under $100,000

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
24 Month Certificate of Deposit
$0
0.90% ▼ 1.94% below national avg
Rate0.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.94% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
24 Month Certificate of Deposit
$0
0.80% ▼ 2.04% below national avg
Rate0.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 2.04% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 24 Months
$0
0.80% ▼ 2.04% below national avg
Rate0.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 2.04% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
24 Month Certificate of Deposit
$0
0.55% ▼ 2.29% below national avg
Rate0.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 2.29% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 24 Months
$0
0.55% ▼ 2.29% below national avg
Rate0.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 2.29% below avg
Details

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1295 Highway 6, Sugar Land, TX 77478
2 Year Certificate of Deposit
$500
0.05% ▼ 2.79% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.79% below avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
620 Highway 6, Sugar Land, TX 77478
IRA CD - 24 Month Fixed
$0
0.03% ▼ 2.81% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.81% below avg
Details

American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
24 Month Share Certificates
$0
4.75% ▲ 1.91% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.91% above avg
Details

Balance: $100,000 +

Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
24 Month Jumbo Certificates of Deposit
$0
4.49% ▲ 1.65% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.65% above avg
Details

TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
24 Month Share Certificates
$0
4.40% ▲ 1.56% above national avg
Rate4.31%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.56% above avg
Details

Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24-Month IRA
$0
4.34% ▲ 1.50% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.50% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.30% ▲ 1.46% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.41% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details

Sugar Land 36 Month CD Rates

National 36 Month CD Average2.76% APYUnchanged from last week
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: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Year Business CD
$5,000
4.50% ▲ 1.74% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.74% above avg
Details

MIN BALANCE - $99,999.99

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
36 Month 360 CDs
$0
4.30% ▲ 1.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details

Fixed APY | No minimum balance

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
36 Month Share Certificate Accounts - IRA & Jumbo
$0
3.97% ▲ 1.21% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
36 Month Share Certificate Accounts - Share
$0
3.85% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
36 Month IRA Certificate
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
36-month Tier
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
36 Month Certificate of Deposit (Jumbo)
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $50,000 and over

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
36 Month IRA Certificate of Deposit
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $1,000 and over

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
36 Month Elements CD
$0
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
36 Month IRA CD
$0
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
36 Month Kids Club and Teens CDs
$0
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
36 Month Kids Club CD
$0
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
36 Month Standard CDs
$0
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 36 months
$0
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
36 Month Certificate
$0
3.55% ▲ 0.79% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
36 Month CD
$0
3.50% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
36 Month Certificate
$1,000
3.50% ▲ 0.74% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details

BUMP Dividend Rate: 3.68%; BUMP Annual Percentage Yield (APY): 3.75%; Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded Credited: Monthly

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
36 Month IRA Certificate
$1,000
3.50% ▲ 0.74% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details

BUMP Dividend Rate: 3.68%; BUMP Annual Percentage Yield (APY): 3.75%; Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded Credited: Monthly

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
36 Month Certificate
$1,000
3.25% ▲ 0.49% above national avg
Rate3.21%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details

Rate: 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 36 Months
$95,000
3.25% ▲ 0.49% above national avg
Rate3.20%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Traditional IRA Jumbo Term Certificates - 36 Months
$95,000
3.25% ▲ 0.49% above national avg
Rate3.21%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details

Rate: 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.; IRA Jumbo Term Certificates (Available as both Traditional and Roth)

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month IRA Share Certificate
$0
3.04% ▲ 0.28% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details

Balance: $100,000 & Over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
3.04% ▲ 0.28% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details

Balance: $100,000 & Over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month IRA Share Certificate
$0
2.99% ▲ 0.23% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.23% above avg
Details

Balance: $50,000.00 - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
2.99% ▲ 0.23% above national avg
Rate2.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.23% above avg
Details

Balance: $50,000.00 - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month IRA Share Certificate
$0
2.94% ▲ 0.18% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.18% above avg
Details

Balance: $1000 - $49,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
2.94% ▲ 0.18% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.18% above avg
Details

Balance: $1000 - $49,999.99

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
330 Highway 6, Sugar Land, TX 77478
36 Month Certificates of Deposit
$0
2.50% ▼ 0.26% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.26% below avg
Details

FL

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
3 Year IRA CD
$0
1.50% ▼ 1.26% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
3 Year Standard CD Products
$0
1.50% ▼ 1.26% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details

Balance: Under $100,000

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
3 Year CD
$500
1.40% ▼ 1.36% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.36% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
36 Month Certificate of Deposit
$0
1.10% ▼ 1.66% below national avg
Rate1.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.66% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
36 Month Certificate of Deposit
$0
0.85% ▼ 1.91% below national avg
Rate0.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.91% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 36 Months
$0
0.85% ▼ 1.91% below national avg
Rate0.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.91% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
36 Month Certificate of Deposit
$0
0.60% ▼ 2.16% below national avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 2.16% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 36 Months
$0
0.60% ▼ 2.16% below national avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 2.16% below avg
Details

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1295 Highway 6, Sugar Land, TX 77478
3 Year Certificate of Deposit
$500
0.05% ▼ 2.71% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details

Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Month Jumbo Certificates of Deposit
$0
4.54% ▲ 1.78% above national avg
Rate4.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.78% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40% ▲ 1.64% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.64% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Month Jumbo CD
$50,000
4.35% ▲ 1.59% above national avg
Rate4.27%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.59% above avg
Details

APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.25% ▲ 1.49% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.49% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Month Standard CDs
$1,000
4.25% ▲ 1.49% above national avg
Rate4.17%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details

APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (3 year)
$250,001
4.23% ▲ 1.47% above national avg
Rate4.15%
Min Deposit$250,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.47% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.20% ▲ 1.44% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.44% above avg
Details

Interest Frequency: Monthly

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (3 year)
$100,001
4.18% ▲ 1.42% above national avg
Rate4.10%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.42% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.15% ▲ 1.39% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.39% above avg
Details

Interest Frequency: Semi

Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Share Certificates
$0
4.13% ▲ 1.37% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.37% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (3 year)
$50,001
4.13% ▲ 1.37% above national avg
Rate4.05%
Min Deposit$50,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.37% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificate (3 year)
$250,001
4.13% ▲ 1.37% above national avg
Rate4.05%
Min Deposit$250,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.37% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
36 Month Certificate
$1,000
4.10% ▲ 1.34% above national avg
Rate4.04%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.34% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Sugar Land 48 Month CD Rates

National 48 Month CD Average2.77% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
48 Month 360 CDs
$0
4.30% ▲ 1.53% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details

Fixed APY | No minimum balance

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
4 Year Business CD
$5,000
4.25% ▲ 1.48% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

$1,000,000.00+

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
4 Year Business CD
$5,000
4.15% ▲ 1.38% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.38% above avg
Details

$250,000.00 - $999,999.99

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
4 Year Business CD
$5,000
4.05% ▲ 1.28% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.28% above avg
Details

$100,000.00 - $249,999.99

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.02% ▲ 1.25% above national avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
4 Year Business CD
$5,000
3.95% ▲ 1.18% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details

MIN BALANCE - $99,999.99

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
48 Month Share Certificate Accounts - Share
$0
3.90% ▲ 1.13% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
48 Month IRA Certificate
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
48-month Tier
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
48 Month Elements CD
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
48 Month IRA CD
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
48 Month Kids Club and Teens CDs
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
48 Month Kids Club CD
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
48 Month Standard CDs
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 48 months
$0
3.70% ▲ 0.93% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
48 Month Certificate of Deposit (Jumbo)
$0
3.55% ▲ 0.78% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details

Balance: $50,000 and over

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
48 Month IRA Certificate of Deposit
$0
3.55% ▲ 0.78% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details

Balance: $1,000 and over

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
48 Month CD
$0
3.50% ▲ 0.73% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
48 Month Certificate
$1,000
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details

BUMP Dividend Rate: 3.68%; BUMP Annual Percentage Yield (APY): 3.75%; Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
48 Month IRA Certificate
$1,000
3.50% ▲ 0.73% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details

BUMP Dividend Rate: 3.68%; BUMP Annual Percentage Yield (APY): 3.75%; Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
48 Month Certificate
$0
3.45% ▲ 0.68% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.68% above avg
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
48 Month Certificate
$1,000
3.00% ▲ 0.23% above national avg
Rate2.97%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate: 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 48 Months
$95,000
3.00% ▲ 0.23% above national avg
Rate2.96%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; 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: 2.83%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Traditional IRA Jumbo Term Certificates - 48 Months
$95,000
3.00% ▲ 0.23% above national avg
Rate2.97%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate: 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.; IRA Jumbo Term Certificates (Available as both Traditional and Roth)

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
330 Highway 6, Sugar Land, TX 77478
48 Month Certificates of Deposit
$0
2.50% ▼ 0.27% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.27% below avg
Details

FL

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month IRA Share Certificate
$0
2.43% ▼ 0.34% below national avg
Rate2.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.34% below avg
Details

Balance: $100,000 & Over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.43% ▼ 0.34% below national avg
Rate2.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.34% below avg
Details

Balance: $100,000 & Over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month IRA Share Certificate
$0
2.38% ▼ 0.39% below national avg
Rate2.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.39% below avg
Details

Balance: $50,000.00 - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.38% ▼ 0.39% below national avg
Rate2.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.39% below avg
Details

Balance: $50,000.00 - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month IRA Share Certificate
$0
2.32% ▼ 0.45% below national avg
Rate2.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.45% below avg
Details

Balance: $1000 - $49,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.32% ▼ 0.45% below national avg
Rate2.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.45% below avg
Details

Balance: $1000 - $49,999.99

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
4 Year IRA CD
$0
1.50% ▼ 1.27% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
4 Year Standard CD Products
$0
1.50% ▼ 1.27% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details

Balance: Under $100,000

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
4 Year CD
$500
1.15% ▼ 1.62% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.62% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
48 Month Certificate of Deposit
$0
1.10% ▼ 1.67% below national avg
Rate1.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.67% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
48 Month Certificate of Deposit
$0
0.85% ▼ 1.92% below national avg
Rate0.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.92% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
48 Month Certificate of Deposit
$0
0.60% ▼ 2.17% below national avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 2.17% below avg
Details

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1295 Highway 6, Sugar Land, TX 77478
4 Year Certificate of Deposit
$500
0.15% ▼ 2.62% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.62% below avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Month Jumbo CD
$50,000
4.35% ▲ 1.58% above national avg
Rate4.27%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.58% above avg
Details

APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.25% ▲ 1.48% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Month Standard CDs
$1,000
4.25% ▲ 1.48% above national avg
Rate4.17%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details

APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.20% ▲ 1.43% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details

Interest Frequency: Monthly

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
48 Month Certificate
$1,000
4.15% ▲ 1.38% above national avg
Rate4.09%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.38% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.15% ▲ 1.38% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details

Interest Frequency: Semi

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12% ▲ 1.35% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.35% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.05% ▲ 1.28% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details

Interest Frequency: Semi

Carter Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.72%
48 Month IRA Share Certificate
$1,000
4.05% ▲ 1.28% above national avg
Rate3.97%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.28% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (4 year)
$250,001
4.02% ▲ 1.25% above national avg
Rate3.95%
Min Deposit$250,001
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.24% above avg
Details

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
48 Month Certificate
$1,000
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details

Sugar Land 60 Month CD Rates

National 60 Month CD Average2.84% APY▼ 0.01% from last week
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: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
5 Year Business CD
$5,000
4.40% ▲ 1.56% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.56% above avg
Details

$1,000,000.00+

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
60 Month 360 CDs
$0
4.30% ▲ 1.46% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details

Fixed APY | No minimum balance

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
5 Year Business CD
$5,000
4.30% ▲ 1.46% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.46% above avg
Details

$250,000.00 - $999,999.99

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
5 Year Business CD
$5,000
4.20% ▲ 1.36% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.36% above avg
Details

$100,000.00 - $249,999.99

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
60 Month Share Certificate Accounts - IRA & Jumbo
$0
4.12% ▲ 1.28% above national avg
Rate4.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.28% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3400 Highway 6, Sugar Land, TX 77478 4408
5 Year Business CD
$5,000
4.10% ▲ 1.26% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.26% above avg
Details

MIN BALANCE - $99,999.99

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
60 Month IRA Special Certificate
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.26% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
60-month IRA Special
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.26% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 60 Months Tier Jumbo
$100,000
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.26% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$50,000
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.21% above avg
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
16320 Kensington Dr, Sugar Land, TX 77479 4097
60 Month Share Certificate Accounts - Share
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
5-YEAR CERTIFICATE OF DEPOSIT
$1,000
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

APY as high as 4.00% on a 60-month Tier Investment OPPORTUNITY. No monthly service fee when you maintain a $1,000 daily balance. Fees could reduce earnings. A penalty may be imposed for early withdrawals. At maturity, the certificate of deposit will renew automatically unless action is taken. Early Withdrawal Penalties - Your account will mature after the applicable term of your Certificate of Deposit set forth above. We will impose a penalty if you withdraw any of the funds in your Certificate of Deposit within the first six days after your Account is opened. The penalty will equal seven day's interest on your account. If you make partial withdrawals of principal prior to the maturity date, penalties will be imposed on the amount of the withdrawal. We will impose a penalty if you redeem your Certificate prior to the maturity date. The penalty will equal all interest earned on 91 day Certificates, 90 days' interest on 6 month Certificates, 180 days' interest on 12, 18 and 24 month Certificates, and 270 days' interest on 30, 36, 48, and 60 month Certificates. All accounts are subject to membership eligibility requirements. A primary savings or checking account is required for new members and has a one-time $5.00 entrance fee in addition to the minimum opening deposit required by the account. Account opening requirements and monthly service fees vary for account type. The rates and fees contained in this Schedule are accurate as of the effective date listed above. Rates and Annual Percentage Yield (APY) effective 09/22/2026.

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
60-month Tier
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Certificates of Deposit - 60 Months Tier
$1,000
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
60 Month Elements CD
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
60 Month IRA CD
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
60 Month Kids Club and Teens CDs
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
60 Month Kids Club CD
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
60 Month Standard CDs
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Certificate of Deposit (CD) 60 Months
$0
3.95% ▲ 1.11% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

APYs as of 9/16/26

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 60 months
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
5-year online CDs
$0
3.60% ▲ 0.76% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2353 Town Center Dr, Sugar Land, TX 77478
60 Month CD
$0
3.60% ▲ 0.76% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
60 Month Certificate
$1,000
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details

BUMP Dividend Rate: 3.68%; BUMP Annual Percentage Yield (APY): 3.75%; Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
530 Highway 6, Sugar Land, TX 77478
60 Month IRA Certificate
$1,000
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details

BUMP Dividend Rate: 3.68%; BUMP Annual Percentage Yield (APY): 3.75%; Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
60 Month Certificate of Deposit (Jumbo)
$0
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $50,000 and over

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
60 Month IRA Certificate of Deposit
$0
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $1,000 and over

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
13533 University Boulevard, Sugar Land, TX 77479
60 Month Certificate
$0
3.40% ▲ 0.56% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.56% above avg
Details

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
330 Highway 6, Sugar Land, TX 77478
60 Month Certificates of Deposit
$0
2.50% ▼ 0.34% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.34% below avg
Details

FL

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month IRA Share Certificate
$0
2.48% ▼ 0.36% below national avg
Rate2.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.36% below avg
Details

Balance: $100,000 & Over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.48% ▼ 0.36% below national avg
Rate2.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.36% below avg
Details

Balance: $100,000 & Over

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month IRA Share Certificate
$0
2.43% ▼ 0.41% below national avg
Rate2.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.41% below avg
Details

Balance: $50,000.00 - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.43% ▼ 0.41% below national avg
Rate2.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.41% below avg
Details

Balance: $50,000.00 - $99,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month IRA Share Certificate
$0
2.38% ▼ 0.46% below national avg
Rate2.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.46% below avg
Details

Balance: $1000 - $49,999.99

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.38% ▼ 0.46% below national avg
Rate2.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.46% below avg
Details

Balance: $1000 - $49,999.99

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 - 60 Month Elements CDs
$100
1.75% ▼ 1.09% below national avg
Rate1.74%
Min Deposit$100
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.09% below avg
Details

Published APY range: 1.74% - 3.88%; Published rate range: 1.75% - 3.95%. for teens ages 13 to 17

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 - 60 Month IRA CDs
$1,000
1.75% ▼ 1.09% below national avg
Rate1.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.09% below avg
Details

Published APY range: 1.74% - 3.88%; Published rate range: 1.75% - 3.95%.

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 - 60 Month Kids Club and Teens CDs
$100
1.75% ▼ 1.09% below national avg
Rate1.74%
Min Deposit$100
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.09% below avg
Details

Published APY range: 1.74% - 3.88%; Published rate range: 1.75% - 3.95%. for kids ages 412 and teens ages 1318

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 - 60 Month Kids Club CDs
$100
1.75% ▼ 1.09% below national avg
Rate1.74%
Min Deposit$100
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.09% below avg
Details

Published APY range: 1.74% - 3.88%; Published rate range: 1.75% - 3.95%. for kids ages 4 to 12

Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2109 Highway 6, Sugar Land, TX 77478
3 - 60 Month Standard CDs
$1,000
1.75% ▼ 1.09% below national avg
Rate1.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.09% below avg
Details

Published APY range: 1.74% - 3.88%; Published rate range: 1.75% - 3.95%.

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
5 Year IRA CD
$0
1.50% ▼ 1.34% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
15245 Southwest Fwy, Sugar Land, TX 77478
5 Year Standard CD Products
$0
1.50% ▼ 1.34% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details

Balance: Under $100,000

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
60 Month Certificate of Deposit
$0
1.26% ▼ 1.58% below national avg
Rate1.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.58% below avg
Details

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
5 Year CD
$500
1.25% ▼ 1.59% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.59% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
60 Month Certificate of Deposit
$0
1.00% ▼ 1.84% below national avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.84% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 60 Months
$0
1.00% ▼ 1.84% below national avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.84% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
60 Month Certificate of Deposit
$0
0.75% ▼ 2.09% below national avg
Rate0.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 2.09% below avg
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificates - 60 Months
$0
0.75% ▼ 2.09% below national avg
Rate0.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 2.09% below avg
Details

Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Callable CD 60 Months
$0
4.50% ▲ 1.66% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.66% above avg
Details

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49% ▲ 1.65% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.65% above avg
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Sugar Land, Texas Institutions

Highest verified APYs available today, updated September 22, 2026

B Top 5 Bank Rates
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.01%
Min: $0
4.30%
Amerant Bank
6-month CD
B+ 4.7 ★ TX: 18.92%
Min: $10,000
4.25%
Bank of the Orient
6-MONTH CD
A- 5.0 ★ TX: 15.57%
Min: $0
3.88%
Plains State Bank
12 Month CD
B 4.5 ★ TX: 20.64%
Min: $1,000
3.82%
Preferred Bank
3-Month CD
A 5.0 ★ TX: 12.84%
Min: $0
3.80%
CU Top 5 Credit Union Rates
First Community Credit Union Houston, TX
3 Year Business CD
A+ 5.0 ★ TX: 3.51%
Min: $5,000
4.50%
Nizari Progressive Federal Credit Union
Momentum Share Certificate Rate - 3 Month Special
A+ 5.0 ★ TX: 1.88%
Min: $0
4.13%
Houston Federal Credit Union
60 Month Share Certificate Accounts - IRA & Jumbo
A+ 5.0 ★ TX: 1.93%
Min: $0
4.12%
Smart Financial Credit Union
60 Month IRA Special Certificate
A+ 5.0 ★ TX: 5.63%
Min: $0
4.10%
Texas Dow Employees Credit Union
60 Month Elements CD
A 5.0 ★ TX: 12.04%
Min: $0
3.95%
Rates verified September 22, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

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.

View Full Texas CD Trends
12-Month CD TX Avg
2.952%
▲ 0.030 vs 7 days ago

Texas 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.

6-Month CD TX Avg
2.767%
▲ 0.021 vs 7 days ago

Texas 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

TX CD Rate Forecast, Next 12 Months

Where are Texas CD rates headed through September 2027?

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

TX 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Texas average 12-month CD APY in our database.

Spread model: The Texas 12-month CD average currently trades 1.42% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

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

Powered by MonitorBankRates

What Your Savings Earn at TX CD Rates Today

Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.

CD Term TX Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.065% $103.23 $206.46 $516.15 $1,032.30
6-Month CD 2.767% $138.33 $276.65 $691.63 $1,383.25
12-Month CD 2.952% $147.58 $295.15 $737.88 $1,475.75
18-Month CD 2.818% $140.91 $281.82 $704.55 $1,409.10
24-Month CD 2.841% $142.07 $284.14 $710.35 $1,420.70
36-Month CD 2.765% $138.25 $276.49 $691.23 $1,382.45
48-Month CD 2.770% $138.48 $276.97 $692.43 $1,384.85
60-Month CD 2.844% $142.22 $284.44 $711.10 $1,422.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026.

Sample CD Ladder for 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.

Build Your Ladder
Rung Term Deposit TX Avg APY Annual Earnings
1 3-Month CD $5,000 2.065% $103.23
2 6-Month CD $5,000 2.767% $138.33
3 12-Month CD $5,000 2.952% $147.58
4 24-Month CD $5,000 2.841% $142.07
5 36-Month CD $5,000 2.765% $138.25
Total ($25,000 invested) $25,000 2.678% blended $669.46/yr

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

2,926
CD Rates
Tracked in Sugar Land, Texas
45 Banks 75 Credit Unions

About Our Sugar Land, Texas CD Rate Database

MonitorBankRates tracks 2,926 CD rates from 45 banks and 75 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: First Community Credit Union Houston, TX offers a CD at 4.50% APY with a minimum deposit of $5,000. 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 75 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: 120 institutions here report CD rates

Consider an Alternative If…

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
$188/yr
At TX 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($6,364/year) and putting it in a CD would earn an additional $188 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, Capital One Bank is offering its 6 Month 360 CDs at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First Community Credit Union Houston, TX is offering its 5 Year Business CD at 4.40% 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:
  • First Community Credit Union Houston, TX: 4.50% APY (3 Year Business CD)
  • Capital One Bank: 4.30% APY (12 Month 360 CDs)
  • Amerant Bank: 4.25% APY (6-month CD)
  • Nizari Progressive Federal Credit Union: 4.13% APY (Momentum Share Certificate Rate - 3 Month Special)
  • Houston Federal Credit Union: 4.12% APY (60 Month Share Certificate Accounts - IRA & Jumbo)
  • Smart Financial Credit Union: 4.10% APY (60 Month IRA Special Certificate)
  • Texas Dow Employees Credit Union: 3.95% APY (60 Month Elements CD)
  • Bank of the Orient: 3.88% APY (6-MONTH CD)
  • Plains State Bank: 3.82% APY (12 Month CD)
  • Preferred Bank: 3.80% APY (3-Month CD)
Rates reflect recent verified offers available in Sugar Land, Texas. Last Updated: September 22, 2026

Sugar Land, Texas CD Calculator

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

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Matures

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

Top Sugar Land, Texas CD Rates by Term

Verified September 22, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Sugar Land, Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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.

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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: September 22, 2026

Sugar Land, Texas Rates & Resources