Texas CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in Texas, view interactive rate trend charts, and compare TX APYs against the national average.
Current Texas CD Rate Trends
CD APYs in Texas rose by +0.375 this week, pushing the current 12-Month CD average APY to 3.070%. Savers depositing in TX are now earning more than they would have last week, when the average stood at 2.695%.
At 3.070%, Texas's 12-Month CD APY sits +0.284 above the current national average of 2.786%. This above-average spread may reflect more competitive deposit offerings from local banks and credit unions in TX.
The 6-Month CD APY in Texas currently averages 2.989%, compared to 2.154% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The Texas certificate of deposit rate averages displayed on this page are calculated from 2,012 verified CD rate quotes collected across 234 banks and credit unions actively operating in Texas. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across Texas. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in TX.
Data reflects average APYs offered by licensed institutions operating in TX. Last Updated: April 2, 2026
Texas CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact APYs for each week.
Texas CD rate averages compiled from 2,012 current CD rates across 234 banks and credit unions operating in TX — updated daily.
As of Apr 2, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Texas financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical TX cd rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/certificate-of-deposit-cd-rates/texas/trends. For custom data pulls, contact us here.
