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CD Rate Trends

Texas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 27, 2026

Texas CD rates range from 3.65% to 5.00% APY, verified by MonitorBankRates as of October 27, 2026. Current Texas CD rates include A+ Federal Credit UnionA+ Federal Credit Union1402 W Stassney LN, Austin, TX 78745 2948A5.0 ★Texas Ratio: 11.13%Real return: +1.30%APY minus CPIRate verified Oct 23, 2026 offering 12 Month StartUP Share Certificate at 5.00% APY, FIRST EAGLEFIRST EAGLE2929 Allen Pkwy, Houston, TX 77019A+5.0 ★Texas Ratio: 3.56%Real return: +1.30%APY minus CPIRate verified Oct 26, 2026 offering Share Certificate Special - 1 Year Certificate at 5.00% APY, Gulf Capital BankGulf Capital Bank1 Riverway, Houston, TX 77056A+5.0 ★Texas Ratio: 3.09%Real return: +1.26%APY minus CPIRate verified Oct 27, 2026 offering Jumbo Certificates of Deposit - 36 Months at 4.96% APY, Advancial Federal Credit UnionAdvancial Federal Credit Union10000 N Central Expy Ste 1400, Dallas, TX 75231 2319A5.0 ★Texas Ratio: 12.30%Real return: +1.17%APY minus CPIRate verified Oct 26, 2026 offering 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% APY, and National Police Federal Credit UnionNational Police Federal Credit Union13465 Midway Rd Ste 104, Dallas, TX 75244 5105A+5.0 ★Texas Ratio: 4.12%Real return: +1.11%APY minus CPIRate verified Oct 23, 2026 offering 24-Month IRA at 4.81% APY. CD rates as of October 27, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Texas side-by-side. Texas CD rates currently reach as high as 5.00% APY from A+ Federal Credit Union at 1402 W Stassney LN, Austin, TX 78745 2948. 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: October 27, 2026

Compare Best CD Rates in Texas

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Texas 3 Month CD Rates

MonitorBankRates Texas Average · 3 Month CD2.50% APY▼ 0.03% from last weekNational 2.12%
View 3-month CD rate trend

The average 3-month CD rate in Texas is 2.50% APY, compared with 2.12% nationally, as of October 28, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month Certificate of Deposit
$0
4.58% ▲ 2.08% above Texas avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.12%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 27, 2026: 4.32% APYOct 3, 2026: 4.58% APYSep 27, 2026Oct 28, 2026
  • Oct 3, 20264.58%▲ from 4.32%
  • Sep 27, 20264.32%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
3 Month Certificate
$2,500
4.50% ▲ 2.00% above Texas avg
View
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 2.00% above avgNationally 2.12%
Details

Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History
1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%
0.20%3.43%6.65%Oct 13, 2026: 2.35% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
  • Oct 23, 20264.50%▲ from 2.35%
  • Oct 13, 20262.35%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
Jumbo Certificates of Deposit - 90 Days
$250,000
4.44% ▲ 1.94% above Texas avg
View
▼
Rate4.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.12%
Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 22, 2026: 4.44% APYOct 22, 2026Oct 28, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
90 Day Standard CD
$1,000
4.39% ▲ 1.89% above Texas avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.89% above avgNationally 2.12%
Details

Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000

Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 22, 2026: 4.39% APYOct 22, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.30% ▲ 1.80% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.80% above avgNationally 2.12%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 28, 2026
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
3 Month Share Certificate
$0
4.25% ▲ 1.75% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.75% above avgNationally 2.12%
Details

APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026

Rate History
1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 25, 2026: 3.50% APYOct 23, 2026: 4.25% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20264.25%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 3 Months
$250,001
4.23% ▲ 1.73% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.12%
Details

Minimum Deposit: $250,001

Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.20% ▲ 1.70% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.70% above avgNationally 2.12%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 3 Months
$100,001
4.18% ▲ 1.68% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.12%
Details

Minimum Deposit: $100,001

Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 3 Months
$50,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details

Minimum Deposit: $50,001

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate 3 Months
$250,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details

Balance: $250,001 minimum

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.13% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate - 3 Month Special
$0
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details

Balance: $1000.00 - $49,999.99

Rate History
No change since Oct 15, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 15, 2026: 4.13% APYOct 15, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.10% ▲ 1.60% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
5640 Democracy Dr, Plano, TX 75024
3-Month HYRC Certificate
$0
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 3 Months
$1,000
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details

Minimum deposit of $1,000 required within 10 business days of account opening

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 28, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificate - 3 Months
$500
4.08% ▲ 1.58% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.58% above avgNationally 2.12%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 15, 2026: 4.08% APYOct 15, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 3 Months
$1,000
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.12%
Details

Minimum Deposit: $1,000

Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate 3 Months
$100,001
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.12%
Details

Balance: $100,001 minimum

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate 3 Months
$50,001
4.02% ▲ 1.52% above Texas avg
View
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.52% above avgNationally 2.12%
Details

Balance: $50,001 minimum

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.02% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2201 Market St, Galveston, TX 77550
90 Day Frost Certificate of Deposit Account
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: $500,000.00 and over; Jumbo CD; Visit a Frost financial center for CDs of $500,000 and over

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2201 Market St, Galveston, TX 77550
90 Day Jumbo CD
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: $500,000.00 and over; Visit a Frost financial center

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2201 Market St, Galveston, TX 77550
Frost Business Certificate of Deposit - 90 Day
$1,000
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: $500,000 and over; Promotional rate for new CDs opened during promotion; CDs opened prior to 5/1/2023 that are up for renewal during promotion not eligible

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
104 Sundance Pkwy, Round Rock, TX 78681 7922
3-Month Certificate
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

No minimum deposit

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 28, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
104 Sundance Pkwy, Round Rock, TX 78681 7922
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Promotional yield; APY calculated on 3.93% base rate; membership eligibility required; no additional deposits; IRA share certificates do not qualify

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate 3 Months
$1,000
3.97% ▲ 1.47% above Texas avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.47% above avgNationally 2.12%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
3.37%3.92%4.47%Sep 14, 2026: 3.87% APYSep 21, 2026: 3.97% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20263.97%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
2405 S Stemmons Fwy Ste 102 105, Lewisville, TX 75067
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96% ▲ 1.46% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.46% above avgNationally 2.12%
Details

APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only

Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
3.20%3.83%4.46%Oct 7, 2026: 3.70% APYOct 26, 2026: 3.96% APYOct 7, 2026Oct 28, 2026
  • Oct 26, 20263.96%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
623 Elm St, Graham, TX 76450
Certificate of Deposit - 90 Day
$1,000
3.90% ▲ 1.40% above Texas avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.40% above avgNationally 2.12%
Details

Compounded:; Credited: At Maturity

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 28, 2026
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
502 Paris St, Castroville, TX 78009
90 Day JUMBO'S Certificate of Deposit
$0
3.87% ▲ 1.37% above Texas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.37% above avgNationally 2.12%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Oct 14, 2026: 3.87% APYOct 14, 2026Oct 28, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
777 Main St, Fort Worth, TX 76102
3-Month Time Deposit Account Special Offer
$500
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.12%
Details

Balance: under $100k; Limited time special offer; Requires $500 new money (existing customers: $0.75 of every $1.00 new money); Not available for individual retirement or business accounts; Early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 28, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 3 Month CD
$500
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
5640 Democracy Dr, Plano, TX 75024
3-Month Certificate
$0
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.12%
Details

$1,000 minimum

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
Jumbo Share Certificates - 3 mo.
$10,000
3.81% ▲ 1.31% above Texas avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.31% above avgNationally 2.12%
Details

Dividend Rate (APR) 3.75%; Annual Yield (APY) 3.81%

Rate History
No change since Sep 25, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 25, 2026: 3.81% APYSep 25, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
90 Day Star Certificate of Deposit
$1,000
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Star Certificates of Deposit - 90 Days
$1,000
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 28, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
2150 Town Square Pl, Sugar Land, TX 77479
3-Month CD
$0
3.80% ▲ 1.30% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 10 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 28, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
10304 East Fwy, Jacinto City, TX 77029
3 Month Certificate of Deposit
$250,000
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.75%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

Balance: $250,000.00 and over; Annual Percentage Yield is accurate as of 12/15/2025

Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 28, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Certificate Of Deposit (CD) - 90 Day
$1,000
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

Notes: $1,000 minimum deposit to open. Interest rates are variable and determined daily by One World Bank's discretion. CD product rates are fixed upon opening the account. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
Certificates of Deposit (CD) - 3-Month
$0
3.75% ▲ 1.25% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.12%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 28, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
3 Month CD
$1,000
3.75% ▲ 1.25% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.12%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 28, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
3 Month Rally Certificate of Deposit
$0
3.75% ▲ 1.25% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.12%
Details

Rate for 3-month Term; See Disclosures

Rate History
No change since Oct 26, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 26, 2026: 3.75% APYOct 26, 2026Oct 28, 2026
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
502 Paris St, Castroville, TX 78009
90 Day Certificate of Deposit
$25,000
3.71% ▲ 1.21% above Texas avg
View
▼
Rate3.65%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.12%
Details

Balance: $25,000.00 - $99,999.99

Rate History
No change since Oct 12, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Oct 12, 2026: 3.71% APYOct 12, 2026Oct 28, 2026
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
3 Month Share Certificate
$1,000
3.71% ▲ 1.21% above Texas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.12%
Details

Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Oct 28, 2026
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
8384 N Belt Line Rd, Irving, TX 75063 6006
3-Month Certificate
$0
3.71% ▲ 1.21% above Texas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.12%
Details

Balance: $500+; Effective 9/17/26

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51%
3.01%3.61%4.21%Sep 14, 2026: 3.51% APYSep 22, 2026: 3.71% APYSep 14, 2026Oct 28, 2026
  • Sep 22, 20263.71%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2201 Market St, Galveston, TX 77550
90 Day Frost Certificate of Deposit Account
$0
3.70% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2201 Market St, Galveston, TX 77550
Frost Business Certificate of Deposit - 90 Day
$1,000
3.70% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details

Balance: $100,000.00 and over

Rate History
1 change since Oct 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Oct 14, 2026: 3.65% APYOct 20, 2026: 3.70% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20263.70%▲ from 3.65%
  • Oct 14, 20263.65%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
10304 East Fwy, Jacinto City, TX 77029
3 Month Certificate of Deposit
$100,000
3.70% ▲ 1.20% above Texas avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details

Balance: $100,000.00 - $249,999.99; Minimum deposit to open CD is $100,000.00

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 28, 2026
Interstate Bank
Institution Rating:
C-3.5 ★Texas Ratio: 26.84%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$100,000
3.65% ▲ 1.15% above Texas avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.12%
Details

Balance: $100,000 and over; Daily balances

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Business Liquid Certificate
$95,000
3.65% ▲ 1.15% above Texas avg
View
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.12%
Details

Effective Date: 09/01/2026; APY requires minimum $95,000 of New-to-Tech CU money; one penalty-free withdrawal per calendar month

Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Oct 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Liquid Certificate - 3 Month
$1,000
3.65% ▲ 1.15% above Texas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.12%
Details

Effective Date 09/01/2026; Minimum opening balance of $1,000 in new-to-Tech CU money; APY available with minimum $1,000 new-to-Tech CU money; Unlimited withdrawals without penalty six days after opening, minimum $1,000 must be maintained

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 28, 2026

Texas 6 Month CD Rates

MonitorBankRates Texas Average · 6 Month CD3.24% APY▼ 0.02% from last weekNational 2.79%
View 6-month CD rate trend

The average 6-month CD rate in Texas is 3.24% APY, compared with 2.79% nationally, as of October 28, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
Jumbo Certificates of Deposit - 6 Months
$250,000
4.54% ▲ 1.30% above Texas avg
View
▼
Rate4.45%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 1.30% above avgNationally 2.79%
Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 22, 2026: 4.54% APYOct 22, 2026Oct 28, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
6 Month Certificate
$1,000
4.50% ▲ 1.26% above Texas avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details

Account code 34; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates - 6 Month
$500
4.50% ▲ 1.26% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details

Interest paid monthly; Share code 89

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
Jumbo Certificate 6 Month
$0
4.50% ▲ 1.26% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details

Interest paid monthly; minimum $50,000

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificate - 6 Month
$500
4.50% ▲ 1.26% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details

Share code 69; Int. Monthly

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
6 Month Certificates of Deposit
$0
4.50% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details

Up to 4.50% APY; available terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month CDs; early withdrawal penalties apply; membership eligibility required

Rate History
No change since Oct 1, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Oct 1, 2026: 4.50% APYOct 1, 2026Oct 28, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
6 Month Standard CD
$1,000
4.49% ▲ 1.25% above Texas avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 1.25% above avgNationally 2.79%
Details

Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000

Rate History
No change since Oct 22, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 22, 2026: 4.49% APYOct 22, 2026Oct 28, 2026
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
300 E King Ave, Kingsville, TX 78363
6 Month CD Offer
$1,000
4.44% ▲ 1.20% above Texas avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.20% above avgNationally 2.79%
Details

Featured offer; APY effective as of 09/24/2026; compounded and credited quarterly; early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
3.78%4.36%4.94%Sep 14, 2026: 4.28% APYOct 3, 2026: 4.44% APYSep 14, 2026Oct 28, 2026
  • Oct 3, 20264.44%▲ from 4.28%
  • Sep 14, 20264.28%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
4405 Summerhill Rd, Texarkana, TX 75503
6 Month TEAL Certificate (Age 13-17)
$250
4.33% ▲ 1.09% above Texas avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.09% above avgNationally 2.79%
Details

Ages: 13-17; Dividends Credited/Compounded: Monthly

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
4405 Summerhill Rd, Texarkana, TX 75503
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.09% above Texas avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.09% above avgNationally 2.79%
Details

Ages: 13-17; Teens Earning And Learning; APY compounded monthly

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
4405 Summerhill Rd, Texarkana, TX 75503
Share Certificate - 6 Months
$500
4.33% ▲ 1.09% above Texas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.09% above avgNationally 2.79%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 28, 2026
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
601 OLIVE ST, TEXARKANA, TX 75501
6 Month Certificate
$0
4.33% ▲ 1.09% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.09% above avgNationally 2.79%
Details

Certificate Programs; Rates are subject to change without notice

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 23, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX 77338 4090
6 Month Promo Certificate
$0
4.30% ▲ 1.06% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.06% above avgNationally 2.79%
Details

Cozy up with a 4.30% APY*; Featured rate on homepage promo card; Rates may vary according to

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 9 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 28, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
6 Month Certificate of Deposit
$0
4.30% ▲ 1.06% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Texas Average3.24%▲ 1.06% above avgNationally 2.79%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 27, 2026: 4.04% APYOct 3, 2026: 4.30% APYSep 27, 2026Oct 28, 2026
  • Oct 3, 20264.30%▲ from 4.04%
  • Sep 27, 20264.04%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX 77651
6 Month Certificate
$0
4.30% ▲ 1.06% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.06% above avgNationally 2.79%
Details

Certificate Rates (100,000 minimum balance)

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 28, 2026
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
2601 Network Blvd Ste 900, Frisco, TX 75034
Share Certificates - 6-Month Term
$0
4.25% ▲ 1.01% above Texas avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.01% above avgNationally 2.79%
Details

Dividend Rate 4.17%; yields effective as of October 8, 2026; dividends compound monthly; must have a Regular Share (Savings) account

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1810 N Major Dr, Beaumont, TX 77713
Business Share Certificates - Regular Term Deposit -6 Months
$5,000
4.25% ▲ 1.01% above Texas avg
View
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.01% above avgNationally 2.79%
Details

Share Type: Regular; Dividends Paid: Monthly

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1810 N Major Dr, Beaumont, TX 77713
Share Certificates - Minor Term Deposit -6 Months
$250
4.25% ▲ 1.01% above Texas avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.01% above avgNationally 2.79%
Details

Share Type: Minor; Dividends Paid: Monthly

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 28, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1810 N Major Dr, Beaumont, TX 77713
Share Certificates - Term Deposit -6 Months
$1,000
4.25% ▲ 1.01% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.01% above avgNationally 2.79%
Details

Share Type: Regular or IRA; Dividends Paid: Monthly

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificate - 6 Months
$500
4.24% ▲ 1.00% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.00% above avgNationally 2.79%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 15, 2026: 4.24% APYOct 15, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$250,001
4.23% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details

Minimum deposit tier: $250,001

Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 3 times
3.73%4.23%4.73%Oct 9, 2026: 4.23% APYOct 9, 2026Oct 28, 2026
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
613 Main St, Teague, TX 75860 1627
6 Month Children's Share Certificate (Kids 0 to 12)
$0
4.23% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.42 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYOct 19, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
613 Main St, Teague, TX 75860 1627
6 Month Jumbo Share Certificate
$0
4.23% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.42 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYOct 19, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
613 Main St, Teague, TX 75860 1627
6 Month Super Share Certificate
$0
4.23% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.42 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYOct 19, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
613 Main St, Teague, TX 75860 1627
6 Month Teen Share Certificate (Teens 13 to 18)
$0
4.23% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.42 pts · high 4.23% / low 3.82%
3.32%4.02%4.73%Sep 14, 2026: 3.82% APYOct 19, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.23%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3700 Skyline Dr, Nederland, TX 77627 8303
6 Month IRA Share Certificate
$99,000
4.19% ▲ 0.95% above Texas avg
View
▼
Rate4.10%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.95% above avgNationally 2.79%
Details

Tier 3; Balance: $99,000.00 or greater

Rate History
1 change since Oct 19, 2026 · 4.09% → 4.19% ▲ 0.10 pts · high 4.19% / low 4.09%
3.59%4.14%4.69%Oct 19, 2026: 4.09% APYOct 26, 2026: 4.19% APYOct 19, 2026Oct 28, 2026
  • Oct 26, 20264.19%▲ from 4.09%
  • Oct 19, 20264.09%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3700 Skyline Dr, Nederland, TX 77627 8303
6 Month Share Certificate
$99,000
4.19% ▲ 0.95% above Texas avg
View
▼
Rate4.10%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.95% above avgNationally 2.79%
Details

Tier 3; Balance: $99,000.00 or greater

Rate History
1 change since Oct 19, 2026 · 4.09% → 4.19% ▲ 0.10 pts · high 4.19% / low 4.09%
3.59%4.14%4.69%Oct 19, 2026: 4.09% APYOct 26, 2026: 4.19% APYOct 19, 2026Oct 28, 2026
  • Oct 26, 20264.19%▲ from 4.09%
  • Oct 19, 20264.09%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$100,001
4.18% ▲ 0.94% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.94% above avgNationally 2.79%
Details

Minimum deposit tier: $100,001

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 28, 2026
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
1100 Highway 327 E, Silsbee, TX 77656
6 Month Share Certificate
$500
4.18% ▲ 0.94% above Texas avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.94% above avgNationally 2.79%
Details

Balance: $500 & over; Early withdrawal penalty: 30 days' dividends

Rate History
No change since Sep 18, 2026 · 4.18% APY · checked 7 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APYSep 18, 2026Oct 28, 2026
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
1100 Highway 327 E, Silsbee, TX 77656
Share Certificate - 6 Months
$500
4.18% ▲ 0.94% above Texas avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.94% above avgNationally 2.79%
Details

Balance: 500 & over

Rate History
No change since Oct 10, 2026 · 4.18% APY · checked 4 times
3.68%4.18%4.68%Oct 10, 2026: 4.18% APYOct 10, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
6 month Promotional Online CD
$25,000
4.15% ▲ 0.91% above Texas avg
View
▼
Rate4.11%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.91% above avgNationally 2.79%
Details

Promotional Online CDs; $25,000 minimum to open; funds must be new money; deposits cannot be made from an existing NexBank CD account; CDs with opening balances of $25,000 to $240,000

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 28, 2026
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
6 Month Platinum Bump Up Certificate in Total Shares
$1,000
4.15% ▲ 0.91% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.91% above avgNationally 2.79%
Details

Over $75,000; Balance: Over $75,000 in Total Shares; Rates as of May 8, 2025; Dividends paid monthly; CDs may be subject to early withdrawal penalty

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 28, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, TX 75034
6 Month Certificate
$500
4.15% ▲ 0.91% above Texas avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.91% above avgNationally 2.79%
Details

Certificate/IRA Dividend Rates effective October 20th 2026; APR 4.09%; 90-day early withdrawal penalty

Rate History
1 change since Oct 19, 2026 · 4.07% → 4.15% ▲ 0.08 pts · high 4.15% / low 4.07%
3.57%4.11%4.65%Oct 19, 2026: 4.07% APYOct 26, 2026: 4.15% APYOct 19, 2026Oct 28, 2026
  • Oct 26, 20264.15%▲ from 4.07%
  • Oct 19, 20264.07%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CD - 6 Months
$50,000
4.15% ▲ 0.91% above Texas avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.91% above avgNationally 2.79%
Details

Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$50,001
4.13% ▲ 0.89% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.89% above avgNationally 2.79%
Details

Minimum deposit tier: $50,001

Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 9, 2026: 4.13% APYOct 9, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$250,001
4.13% ▲ 0.89% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.89% above avgNationally 2.79%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYOct 15, 2026: 4.13% APYSep 14, 2026Oct 28, 2026
  • Oct 15, 20264.13%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Super Jumbo Certificate
$0
4.11% ▲ 0.87% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.87% above avgNationally 2.79%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.11% ▲ 0.26 pts · high 4.11% / low 3.85%
3.35%3.98%4.61%Sep 14, 2026: 3.85% APYOct 4, 2026: 4.11% APYSep 14, 2026Oct 28, 2026
  • Oct 4, 20264.11%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
533 N Alamo Rd, Alamo, TX 78516
6-Month IRA CD Account
$0
4.10% ▲ 0.86% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details

Promotional rate; minimum daily balance of $1,000.00 must be maintained; opening deposit cannot originate from pre-existing Freedom Bank account funds; rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship; CD rates based upon in-house rates accurate as of September 18, 2026

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.10% ▲ 0.03 pts · high 4.10% / low 4.07%
3.57%4.09%4.60%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 28, 2026
  • Sep 24, 20264.10%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
6 Month CD
$0
4.10% ▲ 0.86% above Texas avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.10% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
6 Month Traditional/Roth IRA
$0
4.10% ▲ 0.86% above Texas avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details

IRA certificate; add-on not permitted

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.10% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
5640 Democracy Dr, Plano, TX 75024
6-Month HYRC Certificate
$0
4.10% ▲ 0.86% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
8384 N Belt Line Rd, Irving, TX 75063 6006
Limited Time New Money 6-Month Certificate Special
$500
4.10% ▲ 0.86% above Texas avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details

Effective: 9/17/26

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 28, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX 77651
Certificate - 6 months
$0
4.09% ▲ 0.85% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.85% above avgNationally 2.79%
Details

Certificate Rates ($1,000 minimum balance)

Rate History
2 changes since Sep 14, 2026 · 4.09% → 4.09% ▼ 0.00 pts · high 4.30% / low 4.09%
3.59%4.20%4.80%Sep 14, 2026: 4.09% APYOct 8, 2026: 4.30% APYOct 12, 2026: 4.09% APYSep 14, 2026Oct 28, 2026
  • Oct 12, 20264.09%▼ from 4.30%
  • Oct 8, 20264.30%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3700 Skyline Dr, Nederland, TX 77627 8303
6 Month IRA Share Certificate
$50,000
4.09% ▲ 0.85% above Texas avg
View
▼
Rate4.01%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.85% above avgNationally 2.79%
Details

Tier 2; Balance: $50,000.00- $98,999.99

Rate History
1 change since Oct 19, 2026 · 4.00% → 4.09% ▲ 0.09 pts · high 4.09% / low 4.00%
3.50%4.05%4.59%Oct 19, 2026: 4.00% APYOct 26, 2026: 4.09% APYOct 19, 2026Oct 28, 2026
  • Oct 26, 20264.09%▲ from 4.00%
  • Oct 19, 20264.00%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3700 Skyline Dr, Nederland, TX 77627 8303
6 Month Share Certificate
$50,000
4.09% ▲ 0.85% above Texas avg
View
▼
Rate4.01%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.85% above avgNationally 2.79%
Details

Tier 2; Balance: $50,000.00- $98,999.99

Rate History
1 change since Oct 19, 2026 · 4.00% → 4.09% ▲ 0.09 pts · high 4.09% / low 4.00%
3.50%4.05%4.59%Oct 19, 2026: 4.00% APYOct 26, 2026: 4.09% APYOct 19, 2026Oct 28, 2026
  • Oct 26, 20264.09%▲ from 4.00%
  • Oct 19, 20264.00%first recorded
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
6 Month Term Share Certificate
$0
4.08% ▲ 0.84% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.84% above avgNationally 2.79%
Details

Balance: $1,000-$9,999; Tier 1; Compounding/Paid: Daily/Monthly

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 28, 2026
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
Term Share Certificate - 6 Months
$0
4.08% ▲ 0.84% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.84% above avgNationally 2.79%
Details

Balance: $1,000-$9,999; Compounding/Paid: Daily/Monthly

Rate History
1 change since Oct 1, 2026 · 3.20% → 4.08% ▲ 0.88 pts · high 4.08% / low 3.20%
2.32%3.64%4.96%Oct 1, 2026: 3.20% APYOct 19, 2026: 4.08% APYOct 1, 2026Oct 28, 2026
  • Oct 19, 20264.08%▲ from 3.20%
  • Oct 1, 20263.20%first recorded
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9978 FM 3129, Queen City, TX 75572
Certificate 6 Months
$0
4.07% ▲ 0.83% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.83% above avgNationally 2.79%
Details

Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$1,000
4.07% ▲ 0.83% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.83% above avgNationally 2.79%
Details

Minimum deposit tier: $1,000

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$100,001
4.07% ▲ 0.83% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.83% above avgNationally 2.79%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.07% ▲ 0.15 pts · high 4.07% / low 3.92%
3.42%4.00%4.57%Sep 14, 2026: 3.92% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
  • Oct 15, 20264.07%▲ from 3.92%
  • Sep 14, 20263.92%first recorded

Texas 12 Month CD Rates

MonitorBankRates Texas Average · 12 Month CD3.39% APY▼ 0.03% from last weekNational 3.00%
View 12-month CD rate trend

The average 12-month CD rate in Texas is 3.39% APY, compared with 3.00% nationally, as of October 28, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month StartUP Share Certificate
$0
5.00% ▲ 1.61% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.61% above avgNationally 3.00%
Details

Maximum balance $1,000; Dividends calculated on daily balance, paid monthly; Limit one StartUP Share Certificate per member

Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 28, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX 77019
Share Certificate Special - 1 Year Certificate
$0
5.00% ▲ 1.61% above Texas avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.61% above avgNationally 3.00%
Details

Requires Checking account, First Eagle debit card and monthly deposits of at least $100.00; deposit up to $100,000; funds must be new money to the Credit Union; no additional deposits after opening

Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
Fixed-rate Certificate Account - 12-month Jumbo
$50,000
4.70% ▲ 1.31% above Texas avg
View
▼
Rate4.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.31% above avgNationally 3.00%
Details

Jumbo; APY (Monthly Crediting)

Rate History
No change since Oct 22, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 22, 2026: 4.70% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
IRA Certificate - 12-month Jumbo
$50,000
4.70% ▲ 1.31% above Texas avg
View
▼
Rate4.70%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.31% above avgNationally 3.00%
Details

Jumbo; Fixed rate; Dividend rate 4.70%; Monthly Crediting APY: 4.80%; Annual/Maturity Crediting APY: 4.70%

Rate History
No change since Oct 22, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 22, 2026: 4.70% APYOct 22, 2026Oct 28, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
Jumbo Certificates of Deposit - 12 Months
$250,000
4.70% ▲ 1.31% above Texas avg
View
▼
Rate4.60%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.31% above avgNationally 3.00%
Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History
No change since Oct 22, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 22, 2026: 4.70% APYOct 22, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD - Branch
$1,000
4.65% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details

Branch $1,000 Minimum Deposit

Rate History
No change since Oct 27, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 27, 2026: 4.65% APYOct 27, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD - Digital Online
$25,000
4.65% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details

Digital Online $25,000 Minimum Deposit; Online Only

Rate History
No change since Oct 27, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 27, 2026: 4.65% APYOct 27, 2026Oct 28, 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX 77651
12 Month Certificate
$0
4.65% ▲ 1.26% above Texas avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details

Certificate Rates (100,000 minimum balance)

Rate History
No change since Sep 17, 2026 · 4.65% APY · checked 5 times
4.15%4.65%5.15%Sep 17, 2026: 4.65% APYSep 17, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
IRA Certificate - 12-month Jumbo
$50,000
4.65% ▲ 1.26% above Texas avg
View
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details

Jumbo; Monthly Crediting APY

Rate History
No change since Oct 22, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 22, 2026: 4.65% APYOct 22, 2026Oct 28, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
12 Month Standard CD
$1,000
4.65% ▲ 1.26% above Texas avg
View
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details

Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000

Rate History
No change since Oct 22, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 22, 2026: 4.65% APYOct 22, 2026Oct 28, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
12-Month IRA
$0
4.60% ▲ 1.21% above Texas avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.21% above avgNationally 3.00%
Details

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 28, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
Fixed-rate Certificate Account - 12-month Jumbo
$50,000
4.60% ▲ 1.21% above Texas avg
View
▼
Rate4.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.21% above avgNationally 3.00%
Details

Jumbo; APY (Annual/Maturity Crediting)

Rate History
No change since Oct 22, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 22, 2026: 4.60% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
IRA Certificate - 12 months
$50
4.60% ▲ 1.21% above Texas avg
View
▼
Rate4.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.21% above avgNationally 3.00%
Details

Fixed rate; Dividend rate 4.60%; Monthly Crediting APY: 4.70%; Annual/Maturity Crediting APY: 4.60%

Rate History
No change since Oct 22, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 22, 2026: 4.60% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
12 Month Fixed-rate Certificate Account
$50
4.59% ▲ 1.20% above Texas avg
View
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.20% above avgNationally 3.00%
Details

APY (Monthly Crediting)

Rate History
No change since Oct 22, 2026 · 4.59% APY · checked 2 times
4.09%4.59%5.09%Oct 22, 2026: 4.59% APYOct 22, 2026Oct 28, 2026
Belton Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.90%
400 N Wall St, Belton, TX 76513
1 Year CD
$0
4.58% ▲ 1.19% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.19% above avgNationally 3.00%
Details

Balance: $1k min - $20k max

Rate History
No change since Oct 22, 2026 · 4.58% APY · checked 2 times
4.08%4.58%5.08%Oct 22, 2026: 4.58% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
IRA Certificate - 12-month Jumbo
$50,000
4.55% ▲ 1.16% above Texas avg
View
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.16% above avgNationally 3.00%
Details

Jumbo; Annual/Maturity Crediting APY

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
12 Month Personal/Business Certificate Account - Monthly Crediting
$50,000
4.54% ▲ 1.15% above Texas avg
View
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.15% above avgNationally 3.00%
Details

12-month Jumbo; Fixed rate; APY (Monthly Crediting)

Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 22, 2026: 4.54% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
IRA Certificate - 12 months
$50
4.54% ▲ 1.15% above Texas avg
View
▼
Rate4.45%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.15% above avgNationally 3.00%
Details

Monthly Crediting APY

Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 22, 2026: 4.54% APYOct 22, 2026Oct 28, 2026
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
533 N Alamo Rd, Alamo, TX 78516
12-Month IRA CD Account
$0
4.50% ▲ 1.11% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details

Promotional rate; minimum daily balance of $1,000.00 must be maintained; opening deposit cannot originate from pre-existing Freedom Bank account funds; rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship; CD rates based upon in-house rates accurate as of September 18, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 28, 2026
  • Sep 24, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
12 Month Certificate
$1,000
4.50% ▲ 1.11% above Texas avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details

Account code 32; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates - 12 Month
$500
4.50% ▲ 1.11% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details

Interest paid monthly; Share code 83

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
Jumbo Certificate 12 Month
$0
4.50% ▲ 1.11% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details

Interest paid monthly; minimum $50,000

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
2601 Network Blvd Ste 600, Frisco, TX 75034
ROTH IRA Share Certificate - 12 Month
$500
4.50% ▲ 1.11% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details

Share code 63; Int. Monthly

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
12 Month Fixed-rate Certificate Account
$50
4.50% ▲ 1.11% above Texas avg
View
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details

APY (Annual/Maturity Crediting)

Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 28, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
12 Month CD
$0
4.45% ▲ 1.06% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.06% above avgNationally 3.00%
Details

Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only

Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.30% APYOct 14, 2026: 4.45% APYSep 18, 2026Oct 28, 2026
  • Oct 14, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
12 Month Personal/Business Certificate Account
$50,000
4.45% ▲ 1.06% above Texas avg
View
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.06% above avgNationally 3.00%
Details

12-month Jumbo; Fixed rate; APY (Annual/Maturity Crediting)

Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 22, 2026: 4.45% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
IRA Certificate - 12 months
$50
4.45% ▲ 1.06% above Texas avg
View
▼
Rate4.45%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.06% above avgNationally 3.00%
Details

Annual/Maturity Crediting APY

Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 22, 2026: 4.45% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
12 Month Personal/Business Certificate Account - Monthly Crediting
$50
4.44% ▲ 1.05% above Texas avg
View
▼
Rate4.35%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.05% above avgNationally 3.00%
Details

Fixed rate; APY (Monthly Crediting)

Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 22, 2026: 4.44% APYOct 22, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 1 Year
$90,000
4.39% ▲ 1.00% above Texas avg
View
▼
Rate4.30%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.00% above avgNationally 3.00%
Details

Jumbo/Min. $90,000 certificate tier

Rate History
3 changes since Sep 25, 2026 · 4.28% → 4.39% ▲ 0.11 pts · high 4.44% / low 4.28%
3.78%4.36%4.94%Sep 25, 2026: 4.28% APYOct 8, 2026: 4.39% APYOct 15, 2026: 4.44% APYOct 23, 2026: 4.39% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20264.39%▼ from 4.44%
  • Oct 15, 20264.44%▲ from 4.39%
  • Oct 8, 20264.39%▲ from 4.28%
  • Sep 25, 20264.28%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificate - 12 Months
$500
4.39% ▲ 1.00% above Texas avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.00% above avgNationally 3.00%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 28, 2026
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
601 OLIVE ST, TEXARKANA, TX 75501
12 Month Certificate
$0
4.38% ▲ 0.99% above Texas avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.99% above avgNationally 3.00%
Details

Certificate Programs; Rates are subject to change without notice

Rate History
1 change since Sep 14, 2026 · 4.13% → 4.38% ▲ 0.25 pts · high 4.38% / low 4.13%
3.63%4.26%4.88%Sep 14, 2026: 4.13% APYOct 23, 2026: 4.38% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.38%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX 79904
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
12 month Promotional Online CD
$25,000
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.28%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Promotional Online CDs; $25,000 minimum to open; funds must be new money; deposits cannot be made from an existing NexBank CD account; CDs with opening balances of $25,000 to $240,000

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
12 Month Share Certificate
$0
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
12 Month Personal/Business Certificate Account
$50
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.35%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Fixed rate; APY (Annual/Maturity Crediting)

Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 22, 2026: 4.35% APYOct 22, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 12-month CD
$1,000
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 12 Months
$1,000
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 28, 2026
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
12 Month IRA Term Share Certificate
$1,000
4.34% ▲ 0.95% above Texas avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details

Compounding/Paid: Daily/Quarterly

Rate History
No change since Oct 19, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 19, 2026: 4.34% APYOct 19, 2026Oct 28, 2026
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
12 Month Term Share Certificate
$0
4.34% ▲ 0.95% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details

Balance: $1,000-$9,999; Tier 1; Compounding/Paid: Daily/Monthly

Rate History
No change since Oct 19, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 19, 2026: 4.34% APYOct 19, 2026Oct 28, 2026
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
IRA Term Share Certificate - 12 Months
$1,000
4.34% ▲ 0.95% above Texas avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details

Minimum deposit to open $1,000; Compounding/Paid: Daily/Quarterly

Rate History
No change since Oct 19, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 19, 2026: 4.34% APYOct 19, 2026Oct 28, 2026
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
Term Share Certificate - 12 Months
$0
4.34% ▲ 0.95% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details

Balance: $1,000-$9,999; Compounding/Paid: Daily/Monthly

Rate History
1 change since Oct 1, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
3.58%4.21%4.84%Oct 1, 2026: 4.08% APYOct 19, 2026: 4.34% APYOct 1, 2026Oct 28, 2026
  • Oct 19, 20264.34%▲ from 4.08%
  • Oct 1, 20264.08%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3700 Skyline Dr, Nederland, TX 77627 8303
12 Month IRA Share Certificate
$99,000
4.34% ▲ 0.95% above Texas avg
View
▼
Rate4.25%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details

Tier 3; Balance: $99,000.00 or greater

Rate History
1 change since Oct 19, 2026 · 4.24% → 4.34% ▲ 0.10 pts · high 4.34% / low 4.24%
3.74%4.29%4.84%Oct 19, 2026: 4.24% APYOct 26, 2026: 4.34% APYOct 19, 2026Oct 28, 2026
  • Oct 26, 20264.34%▲ from 4.24%
  • Oct 19, 20264.24%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3700 Skyline Dr, Nederland, TX 77627 8303
12 Month Share Certificate
$99,000
4.34% ▲ 0.95% above Texas avg
View
▼
Rate4.25%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details

Tier 3; Balance: $99,000.00 or greater

Rate History
1 change since Oct 19, 2026 · 4.24% → 4.34% ▲ 0.10 pts · high 4.34% / low 4.24%
3.74%4.29%4.84%Oct 19, 2026: 4.24% APYOct 26, 2026: 4.34% APYOct 19, 2026Oct 28, 2026
  • Oct 26, 20264.34%▲ from 4.24%
  • Oct 19, 20264.24%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
613 Main St, Teague, TX 75860 1627
12 Month Children's Share Certificate (Kids 0 to 12)
$0
4.33% ▲ 0.94% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 19, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
613 Main St, Teague, TX 75860 1627
12 Month Jumbo Share Certificate
$0
4.33% ▲ 0.94% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 19, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
613 Main St, Teague, TX 75860 1627
12 Month Super Share Certificate
$0
4.33% ▲ 0.94% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 19, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
613 Main St, Teague, TX 75860 1627
12 Month Teen Share Certificate (Teens 13 to 18)
$0
4.33% ▲ 0.94% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 19, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
200 N Elm St, Waxahachie, TX 75165
12 Month CD
$1,000
4.33% ▲ 0.94% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details

APY based on minimum deposit of $1,000; APYs current as of 9/9/2025; penalty may be assessed for early withdrawal

Rate History
1 change since Sep 24, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
3.31%4.07%4.84%Sep 24, 2026: 3.82% APYOct 14, 2026: 4.33% APYSep 24, 2026Oct 28, 2026
  • Oct 14, 20264.33%▲ from 3.82%
  • Sep 24, 20263.82%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
4405 Summerhill Rd, Texarkana, TX 75503
Share Certificate - 12 Months
$500
4.33% ▲ 0.94% above Texas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 28, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CD - 12 Months
$50,000
4.30% ▲ 0.91% above Texas avg
View
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.91% above avgNationally 3.00%
Details

Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 28, 2026

Texas 18 Month CD Rates

MonitorBankRates Texas Average · 18 Month CD3.28% APY▼ 0.02% from last weekNational 2.90%
View 18-month CD rate trend

The average 18-month CD rate in Texas is 3.28% APY, compared with 2.90% nationally, as of October 28, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Super Flex Term CD Special (6-18 months)
$0
4.65% ▲ 1.37% above Texas avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 1.37% above avgNationally 2.90%
Details

Effective Date: October 8, 2026

Rate History
No change since Oct 15, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 15, 2026: 4.65% APYOct 15, 2026Oct 28, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.50% ▲ 1.22% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.22% above avgNationally 2.90%
Details

Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 28, 2026
  • Oct 14, 20264.50%▲ from 4.40%
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$0
4.50% ▲ 1.22% above Texas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.22% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month Traditional/Roth IRA
$0
4.50% ▲ 1.22% above Texas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.22% above avgNationally 2.90%
Details

IRA certificate; add-on not permitted

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
18 Month Share Certificate
$0
4.35% ▲ 1.07% above Texas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 28, 2026
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
2301 RICHMOND RD, TEXARKANA, TX 75503
Share Certificate - 18 month
$1,000
4.35% ▲ 1.07% above Texas avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
18 Month Business CD
$5,000
4.35% ▲ 1.07% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
750 Town And Country Blvd, Houston, TX 77024
Certificate of Deposit - 18 Month
$0
4.35% ▲ 1.07% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 28, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
4405 Summerhill Rd, Texarkana, TX 75503
Share Certificate - 18 Months
$500
4.33% ▲ 1.05% above Texas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 1.05% above avgNationally 2.90%
Details

Dividends Credited/Compounded: Monthly

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 28, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CD - 18 Months
$50,000
4.30% ▲ 1.02% above Texas avg
View
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.02% above avgNationally 2.90%
Details

Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 28, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Super Jumbo Certificate
$0
4.27% ▲ 0.99% above Texas avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.99% above avgNationally 2.90%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
3.61%4.19%4.77%Sep 14, 2026: 4.11% APYOct 4, 2026: 4.27% APYSep 14, 2026Oct 28, 2026
  • Oct 4, 20264.27%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5910 N MacArthur Blvd Ste 140, Irving, TX 75039 6108
18-Month Promotional Share Certificate
$500
4.27% ▲ 0.99% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.99% above avgNationally 2.90%
Details

Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term

Rate History
No change since Oct 22, 2026 · 4.27% APY · checked 2 times
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 28, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5910 N MacArthur Blvd Ste 140, Irving, TX 75039 6108
18-Month Share Certificate
$0
4.27% ▲ 0.99% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.99% above avgNationally 2.90%
Details

Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds

Rate History
No change since Oct 22, 2026 · 4.27% APY · checked 2 times
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
18 Month Star Certificate of Deposit
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Star Certificates of Deposit - 18 Months
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 28, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7915 Fm 1960 Rd W, Houston, TX 77070
18 Month CD
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Limited time offer; APY effective 10/22/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 28, 2026
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7710 Milwaukee Avenue, Lubbock, TX 79424
18-Month Bump-Up CD
$10,000
4.25% ▲ 0.97% above Texas avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Branch/location: Available in Dubuque, Lubbock, Albuquerque, and Boise; Limited time offer; New customers only; $10,000 minimum opening deposit in new funds; Must have or open an active Elevate or Summit checking account; Bump-up: may raise rate once during term if Capra's rates increase; The promotional APY is accurate as of July 1, 2026

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
18 Month Platinum Bump Up Certificate in Total Shares
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Over $75,000; Balance: Over $75,000 in Total Shares; Rates as of May 8, 2025; Dividends paid monthly; CDs may be subject to early withdrawal penalty

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
18 Month Share Certificate
$500
4.25% ▲ 0.97% above Texas avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 28, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
18 Month Business CD
$5,000
4.25% ▲ 0.97% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 28, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX 77032
18 Month Certificate of Deposit
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Balance: $50,000.00 and over (Jumbo)

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 18 Month CD
$500
4.20% ▲ 0.92% above Texas avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.92% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 28, 2026
  • Sep 24, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Standard CD - 18 Months
$1,000
4.20% ▲ 0.92% above Texas avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.92% above avgNationally 2.90%
Details

Interest compounded and credited monthly; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Jumbo Certificate
$0
4.16% ▲ 0.88% above Texas avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.88% above avgNationally 2.90%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 5 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX 79904
18 Month Short-Term Certificate
$0
4.15% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 28, 2026
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
623 Elm St, Graham, TX 76450
Certificate of Deposit - 18 Month
$1,000
4.15% ▲ 0.87% above Texas avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details

Compounded: Quarterly; Credited: Quarterly

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
18 Month CDVantage CD
$100,000
4.15% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details

Interest Frequency: Monthly; Maturity Date: 01-24-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 28, 2026
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
18 Month Certificate of Deposit
$1,000
4.15% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details

Balance: Under $75,000 in Total Shares; Dividends paid monthly; Rates as of May 8, 2025

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
18 Month Business CD
$5,000
4.15% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 28, 2026
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
18-Month CD
$20,000
4.15% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details

Est. earnings / $10K: ~$622; Total value: $10,622

Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 24, 2026: 4.15% APYSep 24, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX 79904
18 Month Short-Term Certificate
$0
4.10% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
18 Month CDVantage CD
$100,000
4.10% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Interest Frequency: Semi-annual; Maturity Date: 01-24-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA Certificates - 18 months
$2,500
4.10% ▲ 0.82% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 18 Months
$2,500
4.10% ▲ 0.82% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 18, 2026: 3.60% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 28, 2026
  • Oct 10, 20264.10%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Traditional & Roth IRA Certificates - 18 Months
$2,500
4.10% ▲ 0.82% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

IRA certificate; interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
17 S 1st St, Temple, TX 76501 7603
18 Month Term Share Certificate
$1,000
4.10% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Minimum to Avoid Service Charge: $0

Rate History
1 change since Oct 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Oct 14, 2026: 4.05% APYOct 26, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
  • Oct 26, 20264.10%▲ from 4.05%
  • Oct 14, 20264.05%first recorded
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
17 S 1st St, Temple, TX 76501 7603
Certificate of Deposit - 18-month
$1,000
4.10% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Minimum to avoid service charge: $0; Also applies to IRA Term Share Certificates; Penalty for early withdrawal; Rates effective as of 10/22/2026

Rate History
1 change since Oct 19, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Oct 19, 2026: 4.05% APYOct 26, 2026: 4.10% APYOct 19, 2026Oct 28, 2026
  • Oct 26, 20264.10%▲ from 4.05%
  • Oct 19, 20264.05%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
18 Month Term Share Certificate
$0
4.10% ▲ 0.82% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CD - 18 Months
$5,000
4.09% ▲ 0.81% above Texas avg
View
▼
Rate4.02%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.81% above avgNationally 2.90%
Details

Rate may not be bumped until six months after the open date of the CD; interest compounded monthly and credited monthly; penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.09% ▲ 0.39 pts · high 4.09% / low 3.70%
3.20%3.90%4.59%Sep 14, 2026: 3.70% APYOct 26, 2026: 4.09% APYSep 14, 2026Oct 28, 2026
  • Oct 26, 20264.09%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1001 E Crosby Rd, Carrollton, TX 75006 7260
Term Share Certificate - 18 Month
$1,000
4.07% ▲ 0.79% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.79% above avgNationally 2.90%
Details

Dividends compounded Monthly; Dividends credited Monthly; Renewal: Automatic with 10-day grace period; Early withdrawal: over 1 year 180 days of interest

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 28, 2026
FNB of Hereford
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
301 W 3rd St, Hereford, TX 79045
IRA - 18 Month
$0
4.07% ▲ 0.79% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.79% above avgNationally 2.90%
Details

Individual Retirement Accounts (IRAs)

Rate History
1 change since Sep 14, 2026 · 3.02% → 4.07% ▲ 1.05 pts · high 4.07% / low 3.02%
1.97%3.55%5.12%Sep 14, 2026: 3.02% APYSep 24, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
  • Sep 24, 20264.07%▲ from 3.02%
  • Sep 14, 20263.02%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Share Certificate
$1,000
4.06% ▲ 0.78% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.78% above avgNationally 2.90%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Oct 4, 2026: 4.06% APYOct 4, 2026Oct 28, 2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX 77505
18 Month CD - Jumbo Term Share
$100,000
4.06% ▲ 0.78% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.78% above avgNationally 2.90%
Details

Rate History
1 change since Oct 12, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
3.41%3.99%4.56%Oct 12, 2026: 3.91% APYOct 23, 2026: 4.06% APYOct 12, 2026Oct 28, 2026
  • Oct 23, 20264.06%▲ from 3.91%
  • Oct 12, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
18 Month CDVantage CD
$100,000
4.05% ▲ 0.77% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.77% above avgNationally 2.90%
Details

Interest Frequency: Semi-annual; Maturity Date: 01-24-2028; Earliest Settlement Date: 07-23-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
18 Month Business CD
$5,000
4.05% ▲ 0.77% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.77% above avgNationally 2.90%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 28, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 18 Month to 23 Month
$0
4.02% ▲ 0.74% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.74% above avgNationally 2.90%
Details

Share Certificate Accounts - IRA & Jumbo

Rate History
No change since Oct 23, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 23, 2026: 4.02% APYOct 23, 2026Oct 28, 2026
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
410 S Taylor St, Amarillo, TX 79101
18 Month Certificate of Deposit
$1,000
4.00% ▲ 0.72% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Standard CD rate; $1,000 minimum deposit required for CDs; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 28, 2026
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
800 E Main St, Gatesville, TX 76528
18-Month CD
$1,000
4.00% ▲ 0.72% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Balanced growth and flexibility; Competitive Rate; Rates accurate as of 8.27.2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 28, 2026
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
325 E Southlake Blvd, Southlake, TX 76092
18-Month CD Special
$0
4.00% ▲ 0.72% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

CD Rate Special; promotional 18-month CD rate; Open Your CD

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 28, 2026
FNB of Hereford
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
301 W 3rd St, Hereford, TX 79045
Certificates of Deposit (CDs) - 18 Month Raise Your Rate (with transaction account)
$0
4.00% ▲ 0.72% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Raise Your Rate; With transaction account; Balance: Less than $50,000

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 28, 2026

Texas 24 Month CD Rates

MonitorBankRates Texas Average · 24 Month CD3.22% APY▼ 0.02% from last weekNational 2.90%
View 24-month CD rate trend

The average 24-month CD rate in Texas is 3.22% APY, compared with 2.90% nationally, as of October 28, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
Jumbo Certificates of Deposit - 24 Months
$250,000
4.86% ▲ 1.64% above Texas avg
View
▼
Rate4.75%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.64% above avgNationally 2.90%
Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History
No change since Oct 22, 2026 · 4.86% APY · checked 2 times
4.36%4.86%5.36%Oct 22, 2026: 4.86% APYOct 22, 2026Oct 28, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
24-Month IRA
$0
4.81% ▲ 1.59% above Texas avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 28, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
24 Month Standard CD
$1,000
4.80% ▲ 1.58% above Texas avg
View
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.58% above avgNationally 2.90%
Details

Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 28, 2026
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
21103 Chenango Lake Dr, Angleton, TX 77515
24 Month Share Certificate
$0
4.75% ▲ 1.53% above Texas avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.53% above avgNationally 2.90%
Details

Balance: $100,000+; Early withdrawal fees may apply

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 7 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 28, 2026
American State Bank (TX)
Institution Rating:
B-4.4 ★Texas Ratio: 22.39%
102 W Front, Arp, TX 75750
CDs/IRAs - Jumbo & Above - 24 Month Jumbo
$100,000
4.56% ▲ 1.34% above Texas avg
View
▼
Rate4.47%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.34% above avgNationally 2.90%
Details

$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026

Rate History
1 change since Oct 14, 2026 · 3.59% → 4.56% ▲ 0.97 pts · high 4.56% / low 3.59%
2.62%4.07%5.53%Oct 14, 2026: 3.59% APYOct 20, 2026: 4.56% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20264.56%▲ from 3.59%
  • Oct 14, 20263.59%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificate - 24 Months
$500
4.55% ▲ 1.33% above Texas avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.33% above avgNationally 2.90%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 15, 2026: 4.55% APYOct 15, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
Personal Smart-Step Certificate Account IRA (Variable rate) - 24-month Jumbo
$50,000
4.54% ▲ 1.32% above Texas avg
View
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.32% above avgNationally 2.90%
Details

Senior Privilege Accounts; Jumbo tier; APY (Annual/Maturity Crediting): N/A

Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 22, 2026: 4.54% APYOct 22, 2026Oct 28, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.50% ▲ 1.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.28% above avgNationally 2.90%
Details

Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 28, 2026
  • Oct 14, 20264.50%▲ from 4.40%
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Pilgrim Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
104 W Park Ave, Iowa Park, TX 76367
2-Year CD
$1,000
4.47% ▲ 1.25% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.25% above avgNationally 2.90%
Details

Featured CD Special; APY accurate as of October 1, 2026; a penalty will be imposed for early withdrawal; contact any location for the current APY and interest rate

Rate History
No change since Oct 22, 2026 · 4.47% APY · checked 3 times
3.97%4.47%4.97%Oct 22, 2026: 4.47% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
IRA Certificate - 24 months
$1,000
4.45% ▲ 1.23% above Texas avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.23% above avgNationally 2.90%
Details

Fixed rate; Dividend rate 4.45%; Monthly Crediting APY: 4.54%; Annual/Maturity Crediting APY: 4.45%

Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 22, 2026: 4.45% APYOct 22, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 2 Years
$90,000
4.44% ▲ 1.22% above Texas avg
View
▼
Rate4.35%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.90%
Details

Jumbo/Min. $90,000 certificate tier

Rate History
1 change since Sep 25, 2026 · 4.33% → 4.44% ▲ 0.11 pts · high 4.44% / low 4.33%
3.83%4.39%4.94%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.44% APYSep 25, 2026Oct 28, 2026
  • Oct 8, 20264.44%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
24 Month Fixed-rate Certificate Account
$1,000
4.44% ▲ 1.22% above Texas avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.90%
Details

APY (Monthly Crediting)

Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 22, 2026: 4.44% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
24 Month Personal Smart-Step Certificate Account IRA (Variable rate)
$2,500
4.44% ▲ 1.22% above Texas avg
View
▼
Rate4.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.90%
Details

Senior Privilege Accounts; APY (Annual/Maturity Crediting): N/A

Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 22, 2026: 4.44% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
Personal Smart-Step Certificate Account (Variable rate) - 24-month Jumbo
$0
4.44% ▲ 1.22% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.90%
Details

Jumbo; Variable rate; APY (Monthly Crediting); Senior Privilege Accounts

Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 22, 2026: 4.44% APYOct 22, 2026Oct 28, 2026
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
2301 RICHMOND RD, TEXARKANA, TX 75503
Share Certificate - 24 month
$1,000
4.40% ▲ 1.18% above Texas avg
View
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
750 Town And Country Blvd, Houston, TX 77024
Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
IRA Certificate - 24 months
$1,000
4.39% ▲ 1.17% above Texas avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.17% above avgNationally 2.90%
Details

Monthly Crediting APY

Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 22, 2026: 4.39% APYOct 22, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
24 Month Share Certificate
$0
4.35% ▲ 1.13% above Texas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
24 Month Fixed-rate Certificate Account
$1,000
4.35% ▲ 1.13% above Texas avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.13% above avgNationally 2.90%
Details

APY (Annual/Maturity Crediting)

Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 22, 2026: 4.35% APYOct 22, 2026Oct 28, 2026
Karnes County National Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.99%
311 E Calvert Ave, Karnes City, TX 78118
2 Year Jumbo CD
$100,000
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.90%
Details

Interest Compound: Monthly

Rate History
No change since Oct 21, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 21, 2026: 4.33% APYOct 21, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 2 Years
$25,000
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.90%
Details

Mini-Jumbo/Min. $25,000 certificate tier

Rate History
No change since Sep 25, 2026 · 4.33% APY · checked 6 times
3.83%4.33%4.83%Sep 25, 2026: 4.33% APYSep 25, 2026Oct 28, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
4405 Summerhill Rd, Texarkana, TX 75503
Share Certificate - 24 Months
$500
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.90%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
1 change since Oct 15, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
3.31%4.07%4.84%Oct 15, 2026: 3.82% APYOct 23, 2026: 4.33% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20264.33%▲ from 3.82%
  • Oct 15, 20263.82%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
24 Month Personal Smart-Step Certificate Account (Variable rate)
$0
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.90%
Details

Variable rate; APY (Monthly Crediting); Senior Privilege Accounts

Rate History
No change since Oct 22, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 22, 2026: 4.33% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
IRA Certificate - 24 months
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details

Annual/Maturity Crediting APY

Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 22, 2026: 4.30% APYOct 22, 2026Oct 28, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CD - 24 Months
$50,000
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details

Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 24-month CD
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 8 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 24 Months
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
24 Month Personal/Business Certificate Account - Monthly Crediting
$1,000
4.28% ▲ 1.06% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.06% above avgNationally 2.90%
Details

Fixed rate; APY (Monthly Crediting)

Rate History
No change since Oct 22, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 22, 2026: 4.28% APYOct 22, 2026Oct 28, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Super Jumbo Certificate
$0
4.27% ▲ 1.05% above Texas avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.05% above avgNationally 2.90%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
3.61%4.19%4.77%Sep 14, 2026: 4.11% APYOct 4, 2026: 4.27% APYSep 14, 2026Oct 28, 2026
  • Oct 4, 20264.27%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
24 Month Term Share (Certificate) / IRA
$0
4.26% ▲ 1.04% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.04% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
3.40%4.08%4.76%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.26% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.26%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
24 Month Term Share Certificate
$0
4.26% ▲ 1.04% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.04% above avgNationally 2.90%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
3.40%4.08%4.76%Sep 24, 2026: 3.90% APYOct 20, 2026: 4.26% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20264.26%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
555 Dowlen Rd, Beaumont, TX 77706
24 Month Certificate of Deposit
$0
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Guaranteed rate of return on a Certificate of Deposit; rate shown as 4.25% (APY/APR label not stated on page)

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7915 Fm 1960 Rd W, Houston, TX 77070
24 Month CD
$1,000
4.25% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Limited time offer; APY effective 10/22/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 12 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 24 Month CD
$500
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
Certificate Account - 24 Months
$1,000
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Certificate 24 Months
$1,000
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
Plus Point Certificate - 24 Months
$1,000
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
24 Month Share Certificate
$500
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 28, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month CD
$0
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month Traditional/Roth IRA
$0
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

IRA certificate; add-on not permitted

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX 77032
2 Year Certificate of Deposit
$1,000
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Balance: $50,000.00 and over (Jumbo)

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
24-Month CD MOST POPULAR
$50,000
4.25% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Est. earnings / $10K: ~$868; Total value: $10,868

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 2 Years
$1,000
4.23% ▲ 1.01% above Texas avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.90%
Details

Min. $1,000 certificate tier

Rate History
1 change since Sep 25, 2026 · 4.33% → 4.23% ▼ 0.10 pts · high 4.33% / low 4.23%
3.73%4.28%4.83%Sep 25, 2026: 4.33% APYOct 23, 2026: 4.23% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20264.23%▼ from 4.33%
  • Sep 25, 20264.33%first recorded
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$95,000
4.23% ▲ 1.01% above Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.90%
Details

Certificate Rates - Effective Thursday, October 22, 2026

Rate History
No change since Oct 23, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 23, 2026: 4.23% APYOct 23, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 2 Year
$250,001
4.23% ▲ 1.01% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.23% ▲ 0.16 pts · high 4.23% / low 4.07%
3.57%4.15%4.73%Sep 14, 2026: 4.07% APYOct 5, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 5, 20264.23%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
623 Elm St, Graham, TX 76450
Certificate of Deposit - 24 Month
$1,000
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details

Compounded: Quarterly; Credited: Quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
24 Month CDVantage CD
$100,000
4.20% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details

Interest Frequency: Monthly; Maturity Date: 07-24-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
CDVantage CD - 24 Months
$100,000
4.20% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details

Interest Frequency: Monthly; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 28, 2026
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
24 Month Platinum Bump Up Certificate in Total Shares
$1,000
4.20% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details

Over $75,000; Balance: Over $75,000 in Total Shares; Rates as of May 8, 2025; Dividends paid monthly; CDs may be subject to early withdrawal penalty

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 28, 2026
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7227 Viscount Blvd, El Paso, TX 79925
24 Month Personal/Business Certificate Account
$1,000
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details

Fixed rate; APY (Annual/Maturity Crediting)

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 28, 2026

Texas 36 Month CD Rates

MonitorBankRates Texas Average · 36 Month CD3.12% APY▼ 0.03% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Texas is 3.12% APY, compared with 2.81% nationally, as of October 28, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
Jumbo Certificates of Deposit - 36 Months
$250,000
4.96% ▲ 1.84% above Texas avg
View
▼
Rate4.85%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 1.84% above avgNationally 2.81%
Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History
No change since Oct 22, 2026 · 4.96% APY · checked 2 times
4.46%4.96%5.46%Oct 22, 2026: 4.96% APYOct 22, 2026Oct 28, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
36 Month Standard CD
$1,000
4.91% ▲ 1.79% above Texas avg
View
▼
Rate4.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 1.79% above avgNationally 2.81%
Details

Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000

Rate History
No change since Oct 22, 2026 · 4.91% APY · checked 2 times
4.41%4.91%5.41%Oct 22, 2026: 4.91% APYOct 22, 2026Oct 28, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificate - 36 Months
$500
4.71% ▲ 1.59% above Texas avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.59% above avgNationally 2.81%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
4.21%4.71%5.21%Oct 15, 2026: 4.71% APYOct 15, 2026Oct 28, 2026
American State Bank (TX)
Institution Rating:
B-4.4 ★Texas Ratio: 22.39%
102 W Front, Arp, TX 75750
CDs/IRAs - Jumbo & Above - 36 Month Jumbo
$100,000
4.60% ▲ 1.48% above Texas avg
View
▼
Rate4.51%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 1.48% above avgNationally 2.81%
Details

$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026

Rate History
1 change since Oct 14, 2026 · 3.64% → 4.60% ▲ 0.96 pts · high 4.60% / low 3.64%
2.68%4.12%5.56%Oct 14, 2026: 3.64% APYOct 20, 2026: 4.60% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20264.60%▲ from 3.64%
  • Oct 14, 20263.64%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
2300 Texas Ave, Texas City, TX 77590
36 Month Certificate
$1,000
4.50% ▲ 1.38% above Texas avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.38% above avgNationally 2.81%
Details

Balance: $1,000.00 and up; Early withdrawal penalty: 120 days' dividends

Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 28, 2026
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
2300 Texas Ave, Texas City, TX 77590
Business Certificate - 36 Months / 3 Years
$1,000
4.50% ▲ 1.38% above Texas avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.38% above avgNationally 2.81%
Details

Balance: $1,000.00 and up; Early withdrawal penalty: 120 days' dividends

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Year Business CD
$5,000
4.50% ▲ 1.38% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.38% above avgNationally 2.81%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 3 Years
$90,000
4.49% ▲ 1.37% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.37% above avgNationally 2.81%
Details

Jumbo/Min. $90,000 certificate tier

Rate History
1 change since Sep 25, 2026 · 4.33% → 4.49% ▲ 0.16 pts · high 4.49% / low 4.33%
3.83%4.41%4.99%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.49% APYSep 25, 2026Oct 28, 2026
  • Oct 8, 20264.49%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
36 Month Share Certificate
$0
4.40% ▲ 1.28% above Texas avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 3 Years
$25,000
4.39% ▲ 1.27% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.27% above avgNationally 2.81%
Details

Mini-Jumbo/Min. $25,000 certificate tier

Rate History
1 change since Sep 25, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
3.83%4.36%4.89%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.39% APYSep 25, 2026Oct 28, 2026
  • Oct 8, 20264.39%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
2300 Texas Ave, Texas City, TX 77590
Bump-Up Certificate - 36 Months / 3 Years
$1,000
4.35% ▲ 1.23% above Texas avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.23% above avgNationally 2.81%
Details

Balance: $1,000.00 and up; Advertised APYs valid as of 10/01/2026; Early withdrawal penalty: 120 days' dividends

Rate History
1 change since Sep 25, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 25, 2026: 4.05% APYOct 4, 2026: 4.35% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20264.35%▲ from 4.05%
  • Sep 25, 20264.05%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
2300 Texas Ave, Texas City, TX 77590
Business Bump-Up Certificate - 36 Months / 3 Years
$1,000
4.35% ▲ 1.23% above Texas avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.23% above avgNationally 2.81%
Details

Rate $1,000.00 and up; Bump-Up Certificate

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 28, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CD - 36 Months
$50,000
4.35% ▲ 1.23% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.23% above avgNationally 2.81%
Details

Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 28, 2026
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$95,000
4.33% ▲ 1.21% above Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.21% above avgNationally 2.81%
Details

Certificate Rates - Effective Thursday, October 22, 2026

Rate History
No change since Oct 23, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 23, 2026: 4.33% APYOct 23, 2026Oct 28, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Super Jumbo Certificate
$0
4.32% ▲ 1.20% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.20% above avgNationally 2.81%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
3.66%4.24%4.82%Sep 14, 2026: 4.16% APYOct 4, 2026: 4.32% APYSep 14, 2026Oct 28, 2026
  • Oct 4, 20264.32%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
36 Month Term Share (Certificate) / IRA
$0
4.31% ▲ 1.19% above Texas avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.19% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
3.40%4.10%4.81%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.31% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.31%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
36 Month Term Share Certificate
$0
4.31% ▲ 1.19% above Texas avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.19% above avgNationally 2.81%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
3.40%4.10%4.81%Sep 24, 2026: 3.90% APYOct 20, 2026: 4.31% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20264.31%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Citizens State Bank Sealy, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
222 Main St, Sealy, TX 77474
36-Month CD
$0
4.30% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 1.18% above avgNationally 2.81%
Details

Homepage banner 'Rates up to 4.30% APY'; minimum balance of $100,000 on a 36-month CD to earn 4.30% APY; penalties may apply; fees may reduce earnings; APY accurate as of 9/21/2026

Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 28, 2026: 4.30% APYSep 28, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
36 Month Share Certificate
$500
4.30% ▲ 1.18% above Texas avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.18% above avgNationally 2.81%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 28, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 3 Years
$1,000
4.28% ▲ 1.16% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.16% above avgNationally 2.81%
Details

Min. $1,000 certificate tier

Rate History
2 changes since Sep 25, 2026 · 4.33% → 4.28% ▼ 0.05 pts · high 4.39% / low 4.28%
3.78%4.34%4.89%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.39% APYOct 23, 2026: 4.28% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20264.28%▼ from 4.39%
  • Oct 8, 20264.39%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 36 Month CD
$500
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
36 Month CDVantage CD
$100,000
4.25% ▲ 1.13% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-23-2029; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
CDVantage CD - 36 Months
$100,000
4.25% ▲ 1.13% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Interest Frequency: Semi; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 28, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
603 S Adams St Ste 10A, Fort Worth, TX 76104 3023
Share Certificate/IRA Share Certificate - 36 months
$1,000
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
Certificate Account - 36 Months
$1,000
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Certificate 36 Months
$1,000
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
Plus Point Certificate - 36 Months
$1,000
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month IRA Share CD
$0
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

IRA Certificates of Deposit

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.25% ▲ 0.33 pts · high 4.41% / low 3.92%
3.42%4.17%4.91%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.41% APYOct 19, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.25%▼ from 4.41%
  • Oct 10, 20264.41%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month Jumbo Share CD
$0
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Jumbo ($95K+) Certificates of Deposit

Rate History
2 changes since Sep 22, 2026 · 3.92% → 4.25% ▲ 0.33 pts · high 4.41% / low 3.92%
3.42%4.17%4.91%Sep 22, 2026: 3.92% APYOct 10, 2026: 4.41% APYOct 19, 2026: 4.25% APYSep 22, 2026Oct 28, 2026
  • Oct 19, 20264.25%▼ from 4.41%
  • Oct 10, 20264.41%▲ from 3.92%
  • Sep 22, 20263.92%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Standard CD - 36 Months
$1,000
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Interest compounded and credited monthly; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
36 Month CD
$0
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
36 Month Traditional/Roth IRA
$0
4.25% ▲ 1.13% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details

IRA certificate; add-on not permitted

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24% ▲ 1.12% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.24% APY · checked 3 times
3.74%4.24%4.74%Oct 14, 2026: 4.24% APYOct 14, 2026Oct 28, 2026
Union Square Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
1401 Holliday St, Wichita Falls, TX 76301 7108
IRA Share Certificate - 3 Years
$0
4.24% ▲ 1.12% above Texas avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 4.24% ▲ 1.19 pts · high 4.24% / low 3.05%
1.85%3.64%5.43%Sep 14, 2026: 3.05% APYOct 19, 2026: 4.24% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.24%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Union Square Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
1401 Holliday St, Wichita Falls, TX 76301 7108
Share Certificate - 3 Years
$1,000
4.24% ▲ 1.12% above Texas avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 19, 2026: 4.24% APYOct 19, 2026Oct 28, 2026
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$500
4.23% ▲ 1.11% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.11% above avgNationally 2.81%
Details

Certificate Rates - Effective Thursday, October 22, 2026

Rate History
No change since Oct 23, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 23, 2026: 4.23% APYOct 23, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate - 3 year
$250,001
4.23% ▲ 1.11% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.11% above avgNationally 2.81%
Details

Balance: $250,001 and over; Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Sep 21, 2026 · 4.23% APY · checked 8 times
3.73%4.23%4.73%Sep 21, 2026: 4.23% APYSep 21, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
36 Month Jumbo or IRA CD
$25,000
4.23% ▲ 1.11% above Texas avg
View
▼
Rate4.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
3.42%4.08%4.73%Sep 14, 2026: 3.92% APYOct 13, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.23%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Jumbo Certificate
$0
4.22% ▲ 1.10% above Texas avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.10% above avgNationally 2.81%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 5 times
3.72%4.22%4.72%Oct 4, 2026: 4.22% APYOct 4, 2026Oct 28, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
36 Month Term Share (Certificate) / IRA
$0
4.20% ▲ 1.08% above Texas avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
36 Month Term Share Certificate
$0
4.20% ▲ 1.08% above Texas avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 24, 2026: 3.80% APYOct 20, 2026: 4.20% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20264.20%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
36 Month CDVantage CD
$100,000
4.20% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details

Interest Frequency: Monthly; Maturity Date: 07-23-2029; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 28, 2026
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
3 Year Share Certificate
$1,000
4.20% ▲ 1.08% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.79% → 4.20% ▲ 1.42 pts · high 4.20% / low 2.79%
1.37%3.49%5.62%Sep 14, 2026: 2.79% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 28, 2026
  • Sep 29, 20264.20%▲ from 2.79%
  • Sep 14, 20262.79%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month Junior Jumbo Share CD
$0
4.20% ▲ 1.08% above Texas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details

Junior Jumbo ($50K - $95K) Certificates of Deposit

Rate History
2 changes since Sep 22, 2026 · 3.87% → 4.20% ▲ 0.33 pts · high 4.35% / low 3.87%
3.37%4.11%4.85%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.35% APYOct 19, 2026: 4.20% APYSep 22, 2026Oct 28, 2026
  • Oct 19, 20264.20%▼ from 4.35%
  • Oct 10, 20264.35%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
36 Month Term Share Certificate
$0
4.20% ▲ 1.08% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$95,000
4.18% ▲ 1.06% above Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.06% above avgNationally 2.81%
Details

Certificate Rates - Effective Thursday, October 22, 2026

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.18% ▲ 0.26 pts · high 4.18% / low 3.92%
3.42%4.05%4.68%Sep 14, 2026: 3.92% APYOct 23, 2026: 4.18% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.18%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate - 3 year
$100,001
4.18% ▲ 1.06% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.06% above avgNationally 2.81%
Details

Balance: $100,001 - $250,000; Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Sep 21, 2026 · 4.18% APY · checked 8 times
3.68%4.18%4.68%Sep 21, 2026: 4.18% APYSep 21, 2026Oct 28, 2026
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
14205 W FM 174, WINDTHORST, TX 76389
3 Year Share Certificate
$1,000
4.18% ▲ 1.06% above Texas avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.06% above avgNationally 2.81%
Details

Payments: Dividend Paid Monthly; Check Disbursement; Transfer to Shares; Roll Back to Certificate

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 28, 2026
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
14205 W FM 174, WINDTHORST, TX 76389
IRA 3 Year
$0
4.18% ▲ 1.06% above Texas avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.06% above avgNationally 2.81%
Details

Last Day of Month, Contribution Allowed Upon Maturity; Early withdrawal fee: 180 days dividend

Rate History
1 change since Oct 5, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Oct 5, 2026: 3.56% APYOct 9, 2026: 4.18% APYOct 5, 2026Oct 28, 2026
  • Oct 9, 20264.18%▲ from 3.56%
  • Oct 5, 20263.56%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 36 Month to 47 Month
$0
4.17% ▲ 1.05% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.05% above avgNationally 2.81%
Details

Share Certificate Accounts - IRA & Jumbo

Rate History
No change since Oct 23, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 28, 2026

Texas 48 Month CD Rates

MonitorBankRates Texas Average · 48 Month CD3.03% APY▼ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Texas is 3.03% APY, compared with 2.80% nationally, as of October 28, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American State Bank (TX)
Institution Rating:
B-4.4 ★Texas Ratio: 22.39%
102 W Front, Arp, TX 75750
CDs/IRAs - Jumbo & Above - 48 Month Jumbo
$100,000
4.66% ▲ 1.63% above Texas avg
View
▼
Rate4.56%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 1.63% above avgNationally 2.80%
Details

$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026

Rate History
1 change since Oct 14, 2026 · 3.69% → 4.66% ▲ 0.97 pts · high 4.66% / low 3.69%
2.72%4.18%5.63%Oct 14, 2026: 3.69% APYOct 20, 2026: 4.66% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20264.66%▲ from 3.69%
  • Oct 14, 20263.69%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.60% ▲ 1.57% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.57% above avgNationally 2.80%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.50% ▲ 1.47% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.47% above avgNationally 2.80%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 4 Years
$90,000
4.49% ▲ 1.46% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.46% above avgNationally 2.80%
Details

Jumbo/Min. $90,000 certificate tier

Rate History
1 change since Sep 25, 2026 · 4.33% → 4.49% ▲ 0.16 pts · high 4.49% / low 4.33%
3.83%4.41%4.99%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.49% APYSep 25, 2026Oct 28, 2026
  • Oct 8, 20264.49%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47% ▲ 1.44% above Texas avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.44% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 4.47% APY · checked 3 times
3.97%4.47%4.97%Oct 14, 2026: 4.47% APYOct 14, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
48 Month Share Certificate
$0
4.40% ▲ 1.37% above Texas avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.37% above avgNationally 2.80%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.40% ▲ 1.37% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.37% above avgNationally 2.80%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 4 Years
$25,000
4.39% ▲ 1.36% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.36% above avgNationally 2.80%
Details

Mini-Jumbo/Min. $25,000 certificate tier

Rate History
1 change since Sep 25, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
3.83%4.36%4.89%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.39% APYSep 25, 2026Oct 28, 2026
  • Oct 8, 20264.39%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Super Jumbo Certificate
$0
4.37% ▲ 1.34% above Texas avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.34% above avgNationally 2.80%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 14, 2026: 4.22% APYOct 4, 2026: 4.37% APYSep 14, 2026Oct 28, 2026
  • Oct 4, 20264.37%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
48 Month Term Share (Certificate) / IRA
$0
4.36% ▲ 1.33% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.33% above avgNationally 2.80%
Details

Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
3.46%4.16%4.86%Sep 18, 2026: 3.96% APYOct 2, 2026: 4.36% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.36%▲ from 3.96%
  • Sep 18, 20263.96%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
48 Month Term Share Certificate
$0
4.36% ▲ 1.33% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.33% above avgNationally 2.80%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 24, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
3.46%4.16%4.86%Sep 24, 2026: 3.96% APYOct 20, 2026: 4.36% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20264.36%▲ from 3.96%
  • Sep 24, 20263.96%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36% ▲ 1.33% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.33% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 4.36% APY · checked 3 times
3.86%4.36%4.86%Oct 14, 2026: 4.36% APYOct 14, 2026Oct 28, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CD - 48 Months
$50,000
4.35% ▲ 1.32% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.32% above avgNationally 2.80%
Details

Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
48 Month Share Certificate
$500
4.30% ▲ 1.27% above Texas avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.27% above avgNationally 2.80%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 28, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.30% ▲ 1.27% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.27% above avgNationally 2.80%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 4 Years
$1,000
4.28% ▲ 1.25% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.25% above avgNationally 2.80%
Details

Min. $1,000 certificate tier

Rate History
2 changes since Sep 25, 2026 · 4.33% → 4.28% ▼ 0.05 pts · high 4.39% / low 4.28%
3.78%4.34%4.89%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.39% APYOct 23, 2026: 4.28% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20264.28%▼ from 4.39%
  • Oct 8, 20264.39%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
48 Month Jumbo or IRA CD
$25,000
4.28% ▲ 1.25% above Texas avg
View
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.25% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYOct 13, 2026: 4.28% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Jumbo Certificate
$0
4.27% ▲ 1.24% above Texas avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.24% above avgNationally 2.80%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.27% APY · checked 5 times
3.77%4.27%4.77%Oct 4, 2026: 4.27% APYOct 4, 2026Oct 28, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
48 Month Term Share (Certificate) / IRA
$0
4.26% ▲ 1.23% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.23% above avgNationally 2.80%
Details

Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
3.35%4.06%4.76%Sep 18, 2026: 3.85% APYOct 2, 2026: 4.26% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.26%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
48 Month Term Share Certificate
$0
4.26% ▲ 1.23% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.23% above avgNationally 2.80%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 24, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
3.35%4.06%4.76%Sep 24, 2026: 3.85% APYOct 20, 2026: 4.26% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20264.26%▲ from 3.85%
  • Sep 24, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
4 Year Regular, IRA & Business Certificates
$0
4.26% ▲ 1.23% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 4.26% APY · checked 3 times
3.76%4.26%4.76%Oct 14, 2026: 4.26% APYOct 14, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
48 Month CDVantage CD
$100,000
4.25% ▲ 1.22% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
CDVantage CD - 48 Months
$100,000
4.25% ▲ 1.22% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Interest Frequency: Semi; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 28, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
603 S Adams St Ste 10A, Fort Worth, TX 76104 3023
Share Certificate/IRA Share Certificate - 48 months
$1,000
4.25% ▲ 1.22% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
Certificate Account - 48 Months
$1,000
4.25% ▲ 1.22% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Certificate 48 Months
$1,000
4.25% ▲ 1.22% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
Plus Point Certificate - 48 Months
$1,000
4.25% ▲ 1.22% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Standard CD - 48 Months
$1,000
4.25% ▲ 1.22% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Interest compounded and credited monthly; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
48 Month CD
$0
4.25% ▲ 1.22% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 48 Month to 59 Month
$0
4.22% ▲ 1.19% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.19% above avgNationally 2.80%
Details

Share Certificate Accounts - IRA & Jumbo

Rate History
No change since Oct 23, 2026 · 4.22% APY
3.72%4.22%4.72%Oct 23, 2026: 4.22% APYOct 23, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
48 Month CDVantage CD
$100,000
4.20% ▲ 1.17% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.17% above avgNationally 2.80%
Details

Interest Frequency: Monthly; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
48 Month Term Share Certificate
$0
4.20% ▲ 1.17% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.17% above avgNationally 2.80%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
48 Month Regular or IRA CD
$500
4.18% ▲ 1.15% above Texas avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.15% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Share Certificate
$1,000
4.16% ▲ 1.13% above Texas avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.13% above avgNationally 2.80%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 5 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 28, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
48 Month Term Share (Certificate) / IRA
$0
4.15% ▲ 1.12% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.15% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.15%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
48 Month Term Share Certificate
$0
4.15% ▲ 1.12% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

Balance tier: $25,000; Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 24, 2026: 3.75% APYOct 20, 2026: 4.15% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20264.15%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
623 Elm St, Graham, TX 76450
Certificate of Deposit - 48 Month
$1,000
4.15% ▲ 1.12% above Texas avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

Compounded: Quarterly; Credited: Quarterly

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
48 Month CDVantage CD
$100,000
4.15% ▲ 1.12% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-17-2030; Earliest Settlement Date: 07-17-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA Certificates - 48 months
$2,500
4.15% ▲ 1.12% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 48 Months
$2,500
4.15% ▲ 1.12% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 18, 2026Oct 28, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Traditional & Roth IRA Certificates - 48 Months
$2,500
4.15% ▲ 1.12% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

IRA certificate; interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 28, 2026
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
10100 Richmond Ave, Houston, TX 77042
48 Month IRA Term Share Certificates
$0
4.15% ▲ 1.12% above Texas avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

Balance: $100,000 and up

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 28, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
48 Month Share Certificate Accounts - Share
$500
4.10% ▲ 1.07% above Texas avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details

$500 minimum investment

Rate History
3 changes since Sep 18, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 18, 2026: 3.90% APYSep 25, 2026: 3.95% APYOct 5, 2026: 4.05% APYOct 9, 2026: 4.10% APYSep 18, 2026Oct 28, 2026
  • Oct 9, 20264.10%▲ from 4.05%
  • Oct 5, 20264.05%▲ from 3.95%
  • Sep 25, 20263.95%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
10100 Richmond Ave, Houston, TX 77042
48 Month IRA Term Share Certificates
$0
4.10% ▲ 1.07% above Texas avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
48 Month Term Share Certificate
$0
4.10% ▲ 1.07% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
502 Paris St, Castroville, TX 78009
4 Year JUMBO'S Certificate of Deposit
$0
4.07% ▲ 1.04% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 1.04% above avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 14, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 14, 2026: 4.07% APYOct 14, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
48 Month CDVantage CD
$100,000
4.05% ▲ 1.02% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-21-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 28, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
304 Central Avenue, Longview, TX 75602
3 - 4 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.02% above Texas avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 28, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
304 Central Avenue, Longview, TX 75602
3 - 4 Year Jumbo Investment Certificate
$100,000
4.05% ▲ 1.02% above Texas avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details

$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 26, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 28, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
304 Central Avenue, Longview, TX 75602
Investment Certificate - 3 to 4 Years - Jumbo
$100,000
4.05% ▲ 1.02% above Texas avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details

$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 26, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 28, 2026

Texas 60 Month CD Rates

MonitorBankRates Texas Average · 60 Month CD3.07% APY▼ 0.02% from last weekNational 2.91%
View 60-month CD rate trend

The average 60-month CD rate in Texas is 3.07% APY, compared with 2.91% nationally, as of October 28, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87% ▲ 1.80% above Texas avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.80% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.87% APY · checked 3 times
4.37%4.87%5.37%Oct 14, 2026: 4.87% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76% ▲ 1.69% above Texas avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.69% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.76% APY · checked 3 times
4.26%4.76%5.26%Oct 14, 2026: 4.76% APYOct 14, 2026Oct 28, 2026
American State Bank (TX)
Institution Rating:
B-4.4 ★Texas Ratio: 22.39%
102 W Front, Arp, TX 75750
CDs/IRAs - Jumbo & Above - 60 Month Jumbo
$100,000
4.70% ▲ 1.63% above Texas avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▲ 1.63% above avgNationally 2.91%
Details

$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026

Rate History
1 change since Oct 14, 2026 · 3.80% → 4.70% ▲ 0.90 pts · high 4.70% / low 3.80%
2.90%4.25%5.60%Oct 14, 2026: 3.80% APYOct 20, 2026: 4.70% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20264.70%▲ from 3.80%
  • Oct 14, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.70% ▲ 1.63% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.63% above avgNationally 2.91%
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.70% APY · checked 3 times
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
5 Year Regular, IRA & Business Certificates
$0
4.66% ▲ 1.59% above Texas avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.59% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.66% APY · checked 3 times
4.16%4.66%5.16%Oct 14, 2026: 4.66% APYOct 14, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.60% ▲ 1.53% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.53% above avgNationally 2.91%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.50% ▲ 1.43% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.43% above avgNationally 2.91%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX 77034
60 Month Callable CD
$0
4.50% ▲ 1.43% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.43% above avgNationally 2.91%
Details

Callable; first 90 days not callable; minimum to open $50,000; Balance: $50,000.00 and up

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 5 Years
$90,000
4.49% ▲ 1.42% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.42% above avgNationally 2.91%
Details

Jumbo/Min. $90,000 certificate tier

Rate History
1 change since Sep 25, 2026 · 4.33% → 4.49% ▲ 0.16 pts · high 4.49% / low 4.33%
3.83%4.41%4.99%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.49% APYSep 25, 2026Oct 28, 2026
  • Oct 8, 20264.49%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Super Jumbo Certificate
$0
4.42% ▲ 1.35% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.35% above avgNationally 2.91%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.27% → 4.42% ▲ 0.15 pts · high 4.42% / low 4.27%
3.77%4.35%4.92%Sep 14, 2026: 4.27% APYOct 4, 2026: 4.42% APYSep 14, 2026Oct 28, 2026
  • Oct 4, 20264.42%▲ from 4.27%
  • Sep 14, 20264.27%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
60 Month Term Share (Certificate) / IRA
$0
4.40% ▲ 1.33% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.33% above avgNationally 2.91%
Details

Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89%
3.38%4.15%4.91%Sep 18, 2026: 3.89% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.40%▲ from 3.89%
  • Sep 18, 20263.89%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
60 Month Term Share Certificate
$0
4.40% ▲ 1.33% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.33% above avgNationally 2.91%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 24, 2026: 4.00% APYOct 20, 2026: 4.40% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20264.40%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
60 Month Share Certificate
$0
4.40% ▲ 1.33% above Texas avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.33% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 28, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.40% ▲ 1.33% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.33% above avgNationally 2.91%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 28, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 5 Years
$25,000
4.39% ▲ 1.32% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.32% above avgNationally 2.91%
Details

Mini-Jumbo/Min. $25,000 certificate tier

Rate History
1 change since Sep 25, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
3.83%4.36%4.89%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.39% APYSep 25, 2026Oct 28, 2026
  • Oct 8, 20264.39%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CD - 60 Months
$50,000
4.35% ▲ 1.28% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.28% above avgNationally 2.91%
Details

Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
60 Month Term Share Certificate
$0
4.35% ▲ 1.28% above Texas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.28% above avgNationally 2.91%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
60 Month Jumbo or IRA CD
$25,000
4.33% ▲ 1.26% above Texas avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.26% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
3.52%4.18%4.83%Sep 14, 2026: 4.02% APYOct 13, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.33%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Jumbo Certificate
$0
4.32% ▲ 1.25% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.25% above avgNationally 2.91%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.32% APY · checked 5 times
3.82%4.32%4.82%Oct 4, 2026: 4.32% APYOct 4, 2026Oct 28, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 60 Month
$0
4.32% ▲ 1.25% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.25% above avgNationally 2.91%
Details

Share Certificate Accounts - IRA & Jumbo

Rate History
No change since Oct 23, 2026 · 4.32% APY
3.82%4.32%4.82%Oct 23, 2026: 4.32% APYOct 23, 2026Oct 28, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month IRA Share CD
$0
4.32% ▲ 1.25% above Texas avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.25% above avgNationally 2.91%
Details

IRA Certificates of Deposit

Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.32% ▲ 0.30 pts · high 4.50% / low 4.02%
3.52%4.26%5.00%Sep 14, 2026: 4.02% APYOct 10, 2026: 4.50% APYOct 19, 2026: 4.32% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.32%▼ from 4.50%
  • Oct 10, 20264.50%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month Jumbo Share CD
$0
4.32% ▲ 1.25% above Texas avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.25% above avgNationally 2.91%
Details

Jumbo ($95K+) Certificates of Deposit

Rate History
2 changes since Sep 22, 2026 · 4.02% → 4.32% ▲ 0.30 pts · high 4.50% / low 4.02%
3.52%4.26%5.00%Sep 22, 2026: 4.02% APYOct 10, 2026: 4.50% APYOct 19, 2026: 4.32% APYSep 22, 2026Oct 28, 2026
  • Oct 19, 20264.32%▼ from 4.50%
  • Oct 10, 20264.50%▲ from 4.02%
  • Sep 22, 20264.02%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
60 Month Term Share (Certificate) / IRA
$0
4.30% ▲ 1.23% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details

Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.30% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.30%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
60 Month Term Share Certificate
$0
4.30% ▲ 1.23% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 24, 2026: 3.90% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20264.30%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
60 Month CDVantage CD
$100,000
4.30% ▲ 1.23% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-22-2031; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 21, 2026: 4.30% APYOct 21, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
CDVantage CD - 60 Months
$100,000
4.30% ▲ 1.23% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details

Interest Frequency: Semi; Nationally sourced CD offering via CDVantage

Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 21, 2026: 4.30% APYOct 21, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
60 Month Share Certificate
$500
4.30% ▲ 1.23% above Texas avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 28, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
Certificate Account - 5 Years
$1,000
4.28% ▲ 1.21% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.21% above avgNationally 2.91%
Details

Min. $1,000 certificate tier

Rate History
2 changes since Sep 25, 2026 · 4.33% → 4.28% ▼ 0.05 pts · high 4.39% / low 4.28%
3.78%4.34%4.89%Sep 25, 2026: 4.33% APYOct 8, 2026: 4.39% APYOct 23, 2026: 4.28% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20264.28%▼ from 4.39%
  • Oct 8, 20264.39%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month Junior Jumbo Share CD
$0
4.27% ▲ 1.20% above Texas avg
View
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.20% above avgNationally 2.91%
Details

Junior Jumbo ($50K - $95K) Certificates of Deposit

Rate History
2 changes since Sep 22, 2026 · 3.97% → 4.27% ▲ 0.30 pts · high 4.45% / low 3.97%
3.47%4.21%4.95%Sep 22, 2026: 3.97% APYOct 10, 2026: 4.45% APYOct 19, 2026: 4.27% APYSep 22, 2026Oct 28, 2026
  • Oct 19, 20264.27%▼ from 4.45%
  • Oct 10, 20264.45%▲ from 3.97%
  • Sep 22, 20263.97%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 60 Month CD
$500
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
60 Month CDVantage CD
$100,000
4.25% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Interest Frequency: Semi-annual; Maturity Date: 07-22-2031; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 28, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
603 S Adams St Ste 10A, Fort Worth, TX 76104 3023
Share Certificate/IRA Share Certificate - 60 months
$1,000
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
Certificate Account - 60 Months
$1,000
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Certificate 60 Months
$1,000
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
1507 Pine Tree Rd, Longview, TX 75604 2350
Plus Point Certificate - 60 Months
$1,000
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA Certificates - 60 months
$2,500
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 60 Months
$2,500
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
3.05%3.95%4.85%Sep 18, 2026: 3.65% APYOct 10, 2026: 4.25% APYSep 18, 2026Oct 28, 2026
  • Oct 10, 20264.25%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Traditional & Roth IRA Certificates - 60 Months
$2,500
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

IRA certificate; interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Standard CD - 60 Months
$1,000
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Interest compounded and credited monthly; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
60 Month CD
$0
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
60 Month Traditional/Roth IRA
$0
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

IRA certificate; add-on not permitted

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 1, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
60 Month Term Share Certificate
$0
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
60 Month Regular or IRA CD
$500
4.23% ▲ 1.16% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.16% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
3.42%4.08%4.73%Sep 14, 2026: 3.92% APYOct 13, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.23%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Share Certificate
$1,000
4.22% ▲ 1.15% above Texas avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.15% above avgNationally 2.91%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 5 times
3.72%4.22%4.72%Oct 4, 2026: 4.22% APYOct 4, 2026Oct 28, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month Share CD
$0
4.22% ▲ 1.15% above Texas avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.15% above avgNationally 2.91%
Details

Certificates of Deposit

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.22% ▲ 0.30 pts · high 4.40% / low 3.92%
3.42%4.16%4.90%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.40% APYOct 19, 2026: 4.22% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.22%▼ from 4.40%
  • Oct 10, 20264.40%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
623 Elm St, Graham, TX 76450
Certificate of Deposit - 60 Month
$1,000
4.20% ▲ 1.13% above Texas avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details

Compounded: Quarterly; Credited: Quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2300 Lohmans Spur Rd, Lakeway, TX 78734
60 Month CDVantage CD
$100,000
4.20% ▲ 1.13% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details

Interest Frequency: Monthly; Maturity Date: 07-22-2031; Earliest Settlement Date: 07-22-2026; Amount Available: $250,000

Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 21, 2026: 4.20% APYOct 21, 2026Oct 28, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
60 Month Share Certificate Accounts - Share
$500
4.20% ▲ 1.13% above Texas avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details

$500 minimum investment

Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.05% APYOct 5, 2026: 4.15% APYOct 9, 2026: 4.20% APYSep 18, 2026Oct 28, 2026
  • Oct 9, 20264.20%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 4.05%
  • Sep 25, 20264.05%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
10100 Richmond Ave, Houston, TX 77042
60 Month IRA Term Share Certificates
$0
4.20% ▲ 1.13% above Texas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details

Balance: $100,000 and up

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 28, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX 76227
60 Month Term Share (Certificate) / IRA
$0
4.19% ▲ 1.12% above Texas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.12% above avgNationally 2.91%
Details

Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 18, 2026 · 3.79% → 4.19% ▲ 0.40 pts · high 4.19% / low 3.79%
3.29%3.99%4.69%Sep 18, 2026: 3.79% APYOct 2, 2026: 4.19% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.19%▲ from 3.79%
  • Sep 18, 20263.79%first recorded
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 Texas Institutions

Highest verified APYs available today, updated October 27, 2026

B Top 5 Bank Rates
Gulf Capital Bank
Jumbo Certificates of Deposit - 36 Months
A+ 5.0 ★ TX: 3.09%
Min: $250,000
4.96%
American State Bank (TX)
CDs/IRAs - Jumbo & Above - 60 Month Jumbo
B- 4.4 ★ TX: 22.39%
Min: $100,000
4.70%
T Bank
12 Month CD - Branch
B+ 4.8 ★ TX: 17.09%
Min: $1,000
4.65%
Austin Capital Bank
3 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.96%
Min: $0
4.58%
MapleMark Bank
18 Month CD
A+ 5.0 ★ TX: 4.88%
Min: $0
4.50%
CU Top 5 Credit Union Rates
A+ Federal Credit Union
12 Month StartUP Share Certificate
A 5.0 ★ TX: 11.13%
Min: $0
5.00%
FIRST EAGLE
Share Certificate Special - 1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
Advancial Federal Credit Union
5 Year Regular, IRA & Business Jumbo Certificates
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
National Police Federal Credit Union
24-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
4.81%
American Baptist Association Credit Union
24 Month Share Certificate
A+ 5.0 ★ TX: 0.00%
Min: $0
4.75%
Rates verified October 27, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Texas CD Rate Trends

Compare local Texas 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
3.389%
▼ 0.026 vs 7 days ago

Texas 12-month CD rates fell 0.026 points over the past 7 days to 3.389% APY.

6-Month CD TX Avg
3.244%
▼ 0.024 vs 7 days ago

Texas 6-month CD rates fell 0.024 points over the past 7 days to 3.244% APY.

As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions

TX CD Rate Forecast, Next 12 Months

Where are Texas CD rates headed through October 2027?

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

TX 12-Month Avg APY
3.389%
6-Month Forecast
3.389%
Range: 3.19%, 3.54%
12-Month Forecast
3.639%
Range: 3.44%, 3.79%

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 0.99% 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 2.503% $125.16 $250.33 $625.83 $1,251.65
6-Month CD 3.244% $162.18 $324.36 $810.90 $1,621.80
12-Month CD 3.389% $169.45 $338.91 $847.28 $1,694.55
18-Month CD 3.279% $163.94 $327.87 $819.68 $1,639.35
24-Month CD 3.215% $160.76 $321.52 $803.80 $1,607.60
36-Month CD 3.123% $156.17 $312.33 $780.83 $1,561.65
48-Month CD 3.027% $151.33 $302.66 $756.65 $1,513.30
60-Month CD 3.073% $153.64 $307.27 $768.18 $1,536.35
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 27, 2026.
Powered byMonitorBankRates

Sample CD Ladder for 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 2.503% $125.16
2 6-Month CD $5,000 3.244% $162.18
3 12-Month CD $5,000 3.389% $169.45
4 24-Month CD $5,000 3.215% $160.76
5 36-Month CD $5,000 3.123% $156.17
Total ($25,000 invested) $25,000 3.095% blended $773.72/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.

Powered byMonitorBankRates
4,039
CD Rates
Tracked in Texas
41 Banks 110 Credit Unions

About Our Texas CD Rate Database

MonitorBankRates tracks 4,039 CD rates from 41 banks and 110 credit unions with locations in 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 to 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: A+ Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Texas.

How to Find the Best CD Rates in Texas

What to compare when shopping for a CD in Texas

To find the best APYs in Texas, start with credit unions and online-only banks: Texas has 110 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 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 Texas: 151 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Texas savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Texas money market rates

Texas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$44,072
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$149/yr
At TX 12-mo avg 3.389% APY

13.4% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 3.389%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $149 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 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 to 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

CD Product Information

How CDs Work

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 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 Texas as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Texas savers easier access to their funds. For example, Gulf Capital Bank is offering its Jumbo Certificates of Deposit - 6 Months at 4.54% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% 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

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 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

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 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

Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 Texas

What are CD rates in Texas today?

Texas CD rates range from 3.65% to 5.00% APY as of October 27, 2026, verified by MonitorBankRates. Top rates include 5.00% APY at A+ Federal Credit Union (12 Month StartUP Share Certificate), 5.00% at FIRST EAGLE (Share Certificate Special - 1 Year Certificate) and 4.96% at Gulf Capital Bank (Jumbo Certificates of Deposit - 36 Months), compared with the MonitorBankRates national 12 month average of 3.00% APY.

Are CD rates in Texas FDIC insured?

Yes, most established banks in 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 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 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 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 Texas?

Here are recent top rates found for this area:
  • A+ Federal Credit Union: 5.00% APY (12 Month StartUP Share Certificate)
  • FIRST EAGLE: 5.00% APY (Share Certificate Special - 1 Year Certificate)
  • Gulf Capital Bank: 4.96% APY (Jumbo Certificates of Deposit - 36 Months)
  • Advancial Federal Credit Union: 4.87% APY (5 Year Regular, IRA & Business Jumbo Certificates)
  • National Police Federal Credit Union: 4.81% APY (24-Month IRA)
  • American Baptist Association Credit Union: 4.75% APY (24 Month Share Certificate)
  • American State Bank (TX): 4.70% APY (CDs/IRAs - Jumbo & Above - 60 Month Jumbo)
  • GECU Federal Credit Union: 4.70% APY (Fixed-rate Certificate Account - 12-month Jumbo)
  • First Community Credit Union Houston, TX: 4.70% APY (5 Year Business CD)
  • T Bank: 4.65% APY (12 Month CD - Branch)
Rates reflect recent verified offers available in Texas. Last Updated: October 27, 2026

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 Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Texas CD Rates by Term

Verified October 27, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Texas

Texas CD Calculator

At today’s TX top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Texas CD Ladder

TX CD rates currently range from 2.503% (3-month) to 3.123% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Texas CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Texas’s average 12-month CD is 3.389% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Texas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 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: October 27, 2026

Texas Rates & Resources

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Cities in Texas

  • Abbott
  • Abernathy
  • Abilene
  • Ace
  • Ackerly
  • Addison
  • Adkins
  • Adrian
  • Afton
  • Agua Dulce
  • Aiken
  • Alamo
  • Alamo Heights
  • Alanreed
  • Alba
  • Albany
  • Aledo
  • Alice
  • Alief
  • Allen
  • Alleyton
  • Allison
  • Alma
  • Alpine
  • Altair
  • Alto
  • Alton
  • Alvarado
  • Alvin
  • Alvord
  • Amarillo
  • Ames
  • Amherst
  • Anahuac
  • Anderson
  • Andrews
  • Angleton
  • Angus
  • Anna
  • Annetta
  • Annetta North
  • Annetta South
  • Annona
  • Anson
  • Anthony
  • Anton
  • Apple Springs
  • Appleby
  • Aquilla
  • Aransas Pass
  • Archer City
  • Arcola
  • Argyle
  • Arlington
  • Armstrong
  • Arp
  • Art
  • Artesia Wells
  • Arthur City
  • Asherton
  • Aspermont
  • Atascosa
  • Athens
  • Atlanta
  • Aubrey
  • Aurora
  • Austin
  • Austwell
  • Avalon
  • Avery
  • Avinger
  • Avoca
  • Axtell
  • Azle
  • Bacliff
  • Bagwell
  • Bailey
  • Bailey's Prairie
  • Baird
  • Balch Springs
  • Balcones Heights
  • Ballinger
  • Balmorhea
  • Bandera
  • Bangs
  • Banquete
  • Bardwell
  • Barker
  • Barksdale
  • Barnhart
  • Barry
  • Barstow
  • Bartlett
  • Bartonville
  • Bastrop
  • Batesville
  • Batson
  • Bay City
  • Bayou Vista
  • Bayside
  • Baytown
  • Bayview
  • Beach City
  • Bear Creek
  • Beasley
  • Beaumont
  • Bebe
  • Beckville
  • Bedford
  • Bedias
  • Bee Cave
  • Beeville
  • Bellaire
  • Bellevue
  • Bellmead
  • Bells
  • Bellville
  • Belmont
  • Belton
  • Ben Bolt
  • Ben Franklin
  • Ben Wheeler
  • Benavides
  • Benbrook
  • Bend
  • Benjamin
  • Berclair
  • Bergheim
  • Berryville
  • Bertram
  • Beverly Hills
  • Bevil Oaks
  • Big Lake
  • Big Sandy
  • Big Spring
  • Big Wells
  • Bigfoot
  • Bishop
  • Bishop Hills
  • Bivins
  • Blackwell
  • Blanco
  • Blanket
  • Bledsoe
  • Bleiblerville
  • Blessing
  • Bloomburg
  • Blooming Grove
  • Bloomington
  • Blossom
  • Blue Mound
  • Blue Ridge
  • Bluegrove
  • Bluff Dale
  • Bluffton
  • Blum
  • Boerne
  • Bogata
  • Boling
  • Bon Wier
  • Bonham
  • Bonney
  • Booker
  • Borger
  • Bovina
  • Bowie
  • Boyd
  • Boys Ranch
  • Brackettville
  • Brady
  • Brandon
  • Brashear
  • Brazoria
  • Brazos Country
  • Breckenridge
  • Bremond
  • Brenham
  • Briarcliff
  • Briaroaks
  • Bridge City
  • Bridgeport
  • Briggs
  • Briscoe
  • Broaddus
  • Bronson
  • Bronte
  • Brookeland
  • Brookesmith
  • Brookshire
  • Brookside Village
  • Brookston
  • Browndell
  • Brownfield
  • Brownsboro
  • Brownsville
  • Brownwood
  • Bruceville
  • Bruceville-Eddy
  • Bruni
  • Bryan
  • Bryson
  • Buchanan Dam
  • Buckholts
  • Buda
  • Buffalo
  • Buffalo Gap
  • Buffalo Springs Lake
  • Bula
  • Bullard
  • Bulverde
  • Buna
  • Bunker Hill Village
  • Burkburnett
  • Burke
  • Burkett
  • Burkeville
  • Burleson
  • Burlington
  • Burnet
  • Burton
  • Bushland
  • Byers
  • Bynum
  • Cactus
  • Caddo
  • Caddo Mills
  • Caldwell
  • Call
  • Calliham
  • Callisburg
  • Calvert
  • Camden
  • Cameron
  • Camp Wood
  • Campbell
  • Campbellton
  • Canadian
  • Caney City
  • Canton
  • Canutillo
  • Canyon
  • Canyon Lake
  • Carbon
  • Carey
  • Carl's Corner
  • Carlsbad
  • Carlton
  • Carmine
  • Carrizo Springs
  • Carrollton
  • Carthage
  • Cashion Community
  • Cason
  • Castell
  • Castle Hills
  • Castroville
  • Cat Spring
  • Catarina
  • Cayuga
  • Cedar Creek
  • Cedar Hill
  • Cedar Lane
  • Cedar Park
  • Cee Vee
  • Celeste
  • Celina
  • Center
  • Center Point
  • Centerville
  • Centralia
  • Chalk
  • Chandler
  • Channelview
  • Channing
  • Chapman Ranch
  • Chappell Hill
  • Charlotte
  • Chatfield
  • Cherokee
  • Chester
  • Chico
  • Chicota
  • Childress
  • Chillicothe
  • Chilton
  • China
  • China Grove
  • China Spring
  • Chireno
  • Chriesman
  • Christine
  • Christoval
  • Cibolo
  • Cisco
  • Clarendon
  • Clarksville
  • Clarksville City
  • Claude
  • Clay
  • Clayton
  • Clear Lake Shores
  • Cleburne
  • Cleveland
  • Clifton
  • Clint
  • Clute
  • Clyde
  • Coahoma
  • Cockrell Hill
  • Coffee City
  • Coldspring
  • Coleman
  • College Station
  • Collegeport
  • Colleyville
  • Collinsville
  • Colmesneil
  • Colorado City
  • Columbus
  • Comanche
  • Combes
  • Combine
  • Comfort
  • Commerce
  • Como
  • Comstock
  • Concan
  • Concepcion
  • Concord
  • Conroe
  • Converse
  • Cookville
  • Cool
  • Coolidge
  • Cooper
  • Copeville
  • Coppell
  • Copper Canyon
  • Copperas Cove
  • Corinth
  • Corpus Christi
  • Corral City
  • Corrigan
  • Corsicana
  • Cost
  • Cotton Center
  • Cottonwood
  • Cottonwood Shores
  • Cotulla
  • Coupland
  • Cove
  • Covington
  • Coyanosa
  • Coyote Flats
  • Crandall
  • Crane
  • Cranfills Gap
  • Crawford
  • Creedmoor
  • Cresson
  • Crockett
  • Crosby
  • Crosbyton
  • Cross Plains
  • Cross Roads
  • Cross Timber
  • Crowell
  • Crowley
  • Crystal City
  • Cuero
  • Cumby
  • Cuney
  • Cunningham
  • Cushing
  • Cut and Shoot
  • Cypress
  • D Hanis
  • Daingerfield
  • Daisetta
  • Dale
  • Dalhart
  • Dallardsville
  • Dallas
  • Dalworthington Gardens
  • Damon
  • Danbury
  • Danciger
  • Danevang
  • Darrouzett
  • Davilla
  • Dawn
  • Dawson
  • Dayton
  • Dayton Lakes
  • De Berry
  • De Kalb
  • De Leon
  • Dean
  • Deanville
  • Decatur
  • DeCordova
  • Deer Park
  • Del Rio
  • Del Valle
  • Dell City
  • Delmita
  • Denison
  • Dennis
  • Denton
  • Denver City
  • Deport
  • Desdemona
  • Desoto
  • Detroit
  • Devers
  • Devine
  • Deweyville
  • Diana
  • Diboll
  • Dickens
  • Dickinson
  • Dike
  • Dilley
  • Dime Box
  • Dimmitt
  • Dinero
  • DISH
  • Dobbin
  • Dodd City
  • Dodge
  • Dodson
  • Domino
  • Donie
  • Donna
  • Doole
  • Dorchester
  • Doss
  • Double Horn
  • Double Oak
  • Doucette
  • Dougherty
  • Douglass
  • Douglassville
  • Driftwood
  • Dripping Springs
  • Driscoll
  • Dryden
  • Dublin
  • Dumas
  • Dumont
  • Duncanville
  • Dunn
  • Eagle Lake
  • Eagle Pass
  • Early
  • Earth
  • East Bernard
  • East Mountain
  • East Tawakoni
  • Eastland
  • Easton
  • Ecleto
  • Ector
  • Edcouch
  • Eddy
  • Eden
  • Edgecliff Village
  • Edgewood
  • Edinburg
  • Edmonson
  • Edna
  • Edom
  • Edroy
  • Egypt
  • El Campo
  • El Cenizo
  • El Indio
  • El Lago
  • El Paso
  • Eldorado
  • Electra
  • Elgin
  • Elkhart
  • Ellinger
  • Elm Mott
  • Elmaton
  • Elmendorf
  • Elmo
  • Elsa
  • Elysian Fields
  • Emhouse
  • Emory
  • Enchanted Oaks
  • Encinal
  • Encino
  • Energy
  • Enloe
  • Ennis
  • Enochs
  • Eola
  • Era
  • Escobares
  • Estelline
  • Etoile
  • Euless
  • Eureka
  • Eustace
  • Evadale
  • Evant
  • Everman
  • Fabens
  • Fair Oaks Ranch
  • Fairchilds
  • Fairfield
  • Fairview
  • Falcon Heights
  • Falfurrias
  • Falls City
  • Fannin
  • Farmers Branch
  • Farmersville
  • Farnsworth
  • Farwell
  • Fate
  • Fayetteville
  • Fentress
  • Ferris
  • Fieldton
  • Fischer
  • Flat
  • Flatonia
  • Flint
  • Flomot
  • Florence
  • Floresville
  • Flower Mound
  • Floydada
  • Fluvanna
  • Flynn
  • Follett
  • Forest Hill
  • Forestburg
  • Forney
  • Forreston
  • Forsan
  • Fort Davis
  • Fort Hancock
  • Fort McKavett
  • Fort Stockton
  • Fort Worth
  • Fowlerton
  • Francitas
  • Franklin
  • Frankston
  • Fred
  • Fredericksburg
  • Fredonia
  • Freeport
  • Freer
  • Fresno
  • Friendswood
  • Friona
  • Frisco
  • Fritch
  • Frost
  • Fruitvale
  • Fulshear
  • Fulton
  • Gail
  • Gainesville
  • Galena Park
  • Gallatin
  • Galveston
  • Ganado
  • Garciasville
  • Garden City
  • Garden Ridge
  • Gardendale
  • Garland
  • Garrett
  • Garrison
  • Garwood
  • Gary
  • Gary City
  • Gatesville
  • Gause
  • Geneva
  • George West
  • Georgetown
  • Geronimo
  • Gholson
  • Giddings
  • Gilchrist
  • Gillett
  • Gilmer
  • Girard
  • Girvin
  • Gladewater
  • Glen Flora
  • Glen Rose
  • Glenn Heights
  • Glidden
  • Gober
  • Godley
  • Golden
  • Goldsboro
  • Goldsmith
  • Goldthwaite
  • Goliad
  • Golinda
  • Gonzales
  • Goodlow
  • Goodrich
  • Gordon
  • Gordonville
  • Goree
  • Gorman
  • Gouldbusk
  • Graford
  • Graham
  • Granbury
  • Grand Prairie
  • Grand Saline
  • Grandfalls
  • Grandview
  • Granger
  • Granite Shoals
  • Granjeno
  • Grapeland
  • Grapevine
  • Grays Prairie
  • Greenville
  • Greenwood
  • Gregory
  • Grey Forest
  • Groesbeck
  • Groom
  • Groves
  • Groveton
  • Grulla
  • Gruver
  • Guerra
  • Gun Barrel City
  • Gunter
  • Gustine
  • Guthrie
  • Guy
  • Hackberry
  • Hale Center
  • Hallettsville
  • Hallsburg
  • Hallsville
  • Haltom City
  • Hamilton
  • Hamlin
  • Hamshire
  • Hankamer
  • Happy
  • Hardin
  • Hargill
  • Harker Heights
  • Harleton
  • Harlingen
  • Harper
  • Harrold
  • Hart
  • Hartley
  • Harwood
  • Haskell
  • Haslet
  • Hawk Cove
  • Hawkins
  • Hawley
  • Hays
  • Hearne
  • Heath
  • Hebbronville
  • Hebron
  • Hedley
  • Hedwig Village
  • Heidenheimer
  • Helotes
  • Hemphill
  • Hempstead
  • Henderson
  • Henrietta
  • Hereford
  • Hermleigh
  • Hewitt
  • Hext
  • Hickory Creek
  • Hico
  • Hidalgo
  • Hideaway
  • Higgins
  • High Island
  • Highland Haven
  • Highland Park
  • Highland Village
  • Highlands
  • Hill Country Village
  • Hillcrest Village
  • Hillister
  • Hillsboro
  • Hilshire Village
  • Hitchcock
  • Hobson
  • Hochheim
  • Hockley
  • Holiday Lakes
  • Holland
  • Holliday
  • Hollywood Park
  • Hondo
  • Honey Grove
  • Hooks
  • Horizon City
  • Horseshoe Bay
  • Houston
  • Howardwick
  • Howe
  • Hubbard
  • Hudson
  • Hudson Oaks
  • Huffman
  • Hufsmith
  • Hughes Springs
  • Hull
  • Humble
  • Hungerford
  • Hunt
  • Hunters Creek Village
  • Huntington
  • Huntsville
  • Hurst
  • Hutchins
  • Hutto
  • Huxley
  • Hye
  • Idalou
  • Impact
  • Imperial
  • Indian Lake
  • Industry
  • Inez
  • Ingleside
  • Ingleside on the Bay
  • Ingram
  • Iola
  • Iowa Colony
  • Iowa Park
  • Ira
  • Iraan
  • Iredell
  • Irene
  • Irving
  • Italy
  • Itasca
  • Ivanhoe
  • Jacinto City
  • Jacksboro
  • Jacksonville
  • Jamaica Beach
  • Jarrell
  • Jasper
  • Jayton
  • Jefferson
  • Jermyn
  • Jersey Village
  • Jewett
  • Joaquin
  • Johnson City
  • Joinerville
  • Jolly
  • Jones Creek
  • Jonesboro
  • Jonestown
  • Jonesville
  • Josephine
  • Joshua
  • Jourdanton
  • Judson
  • Junction
  • Justiceburg
  • Justin
  • Kamay
  • Karnack
  • Karnes City
  • Katy
  • Kaufman
  • Keene
  • Keller
  • Kemah
  • Kemp
  • Kempner
  • Kendalia
  • Kendleton
  • Kenedy
  • Kenefick
  • Kennard
  • Kennedale
  • Kenney
  • Kerens
  • Kermit
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  • Kildare
  • Kilgore
  • Killeen
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  • Kingsland
  • Kingsville
  • Kirby
  • Kirbyville
  • Kirkland
  • Kirvin
  • Klondike
  • Knickerbocker
  • Knippa
  • Knollwood
  • Knott
  • Knox City
  • Kopperl
  • Kosse
  • Kountze
  • Kress
  • Krugerville
  • Krum
  • Kurten
  • Kyle
  • La Blanca
  • La Coste
  • La Feria
  • La Grange
  • La Grulla
  • La Joya
  • La Marque
  • La Porte
  • La Pryor
  • La Salle
  • La Vernia
  • La Victoria
  • La Villa
  • La Ward
  • Lacy-Lakeview
  • Ladonia
  • Lago Vista
  • Laguna Park
  • Laguna Vista
  • Laird Hill
  • Lake Bridgeport
  • Lake City
  • Lake Creek
  • Lake Dallas
  • Lake Jackson
  • Lake Tanglewood
  • Lake Worth
  • Lakeport
  • Lakeside
  • Lakeside City
  • Lakeview
  • Lakeway
  • Lakewood Village
  • Lamesa
  • Lampasas
  • Lancaster
  • Lane City
  • Laneville
  • Langtry
  • Laredo
  • Larue
  • Lasara
  • Latexo
  • Laughlin A F B
  • Lavon
  • Lawn
  • Lazbuddie
  • League City
  • Leakey
  • Leander
  • Leary
  • Ledbetter
  • Leesburg
  • Leesville
  • Lefors
  • Leggett
  • Lelia Lake
  • Leming
  • Lenorah
  • Leon Junction
  • Leon Valley
  • Leona
  • Leonard
  • Leroy
  • Levelland
  • Lewisville
  • Lexington
  • Liberty
  • Liberty Hill
  • Lillian
  • Lincoln
  • Lindale
  • Linden
  • Lindsay
  • Lingleville
  • Linn
  • Lipan
  • Lipscomb
  • Lissie
  • Little Elm
  • Little River
  • Little River-Academy
  • Littlefield
  • Live Oak
  • Liverpool
  • Livingston
  • Llano
  • Lockhart
  • Lockney
  • Lodi
  • Log Cabin
  • Lohn
  • Lolita
  • Lometa
  • London
  • Lone Oak
  • Lone Star
  • Long Branch
  • Long Mott
  • Longview
  • Loop
  • Lopeno
  • Loraine
  • Lorena
  • Lorenzo
  • Los Ebanos
  • Los Fresnos
  • Los Indios
  • Los Ybanez
  • Lott
  • Louise
  • Lovelady
  • Loving
  • Lowake
  • Lowry Crossing
  • Lozano
  • Lubbock
  • Lucas
  • Lueders
  • Lufkin
  • Luling
  • Lumberton
  • Lyford
  • Lyons
  • Lytle
  • Mabank
  • Macdona
  • Madisonville
  • Magnolia
  • Malakoff
  • Malone
  • Manchaca
  • Manor
  • Mansfield
  • Manvel
  • Maple
  • Marathon
  • Marble Falls
  • Marfa
  • Marietta
  • Marion
  • Markham
  • Marlin
  • Marquez
  • Marshall
  • Mart
  • Martindale
  • Martinsville
  • Maryneal
  • Mason
  • Masterson
  • Matador
  • Matagorda
  • Mathis
  • Maud
  • Mauriceville
  • Maxwell
  • May
  • Maydelle
  • Maypearl
  • Maysfield
  • Mcadoo
  • McAllen
  • McCamey
  • McCaulley
  • McCoy
  • McDade
  • Mcfaddin
  • McGregor
  • McKinney
  • Mclean
  • McLendon-Chisholm
  • McLeod
  • McNeil
  • McQueeney
  • Meadow
  • Meadowlakes
  • Meadows Place
  • Medina
  • Megargel
  • Melissa
  • Melvin
  • Memphis
  • Menard
  • Mentone
  • Mercedes
  • Mereta
  • Meridian
  • Merit
  • Merkel
  • Mertens
  • Mertzon
  • Mesquite
  • Mexia
  • Meyersville
  • Miami
  • Mico
  • Midfield
  • Midkiff
  • Midland
  • Midlothian
  • Midway
  • Milam
  • Milano
  • Mildred
  • Miles
  • Milford
  • Miller's Cove
  • Millersview
  • Millican
  • Millsap
  • Minden
  • Mineola
  • Mineral
  • Mineral Wells
  • Mingus
  • Mirando City
  • Mission
  • Missouri City
  • Mobeetie
  • Mobile City
  • Monahans
  • Mont Belvieu
  • Montague
  • Montalba
  • Montgomery
  • Moody
  • Moore
  • Moore Station
  • Moran
  • Morgan
  • Morgan Mill
  • Morgan's Point
  • Morgan's Point Resort
  • Morse
  • Morton
  • Moscow
  • Moulton
  • Mound
  • Mount Calm
  • Mount Enterprise
  • Mount Pleasant
  • Mount Vernon
  • Mountain City
  • Mountain Home
  • Muenster
  • Muldoon
  • Muleshoe
  • Mullin
  • Mumford
  • Munday
  • Murchison
  • Murphy
  • Mustang Ridge
  • Myra
  • Nacogdoches
  • Nada
  • Naples
  • Nash
  • Nassau Bay
  • Natalia
  • Naval Air Station/ Jrb
  • Navarro
  • Navasota
  • Nazareth
  • Neches
  • Nederland
  • Needville
  • Nemo
  • Nevada
  • New Baden
  • New Berlin
  • New Boston
  • New Braunfels
  • New Caney
  • New Chapel Hill
  • New Deal
  • New Fairview
  • New Home
  • New Hope
  • New London
  • New Summerfield
  • New Ulm
  • New Waverly
  • Newark
  • Newcastle
  • Newgulf
  • Newton
  • Neylandville
  • Niederwald
  • Nixon
  • Nocona
  • Nolan
  • Nolanville
  • Nome
  • Noonday
  • Nordheim
  • Normangee
  • Normanna
  • North Cleveland
  • North Houston
  • North Richland Hills
  • North Zulch
  • Northlake
  • Norton
  • Notrees
  • Novice
  • Nursery
  • O Brien
  • Oak Grove
  • Oak Leaf
  • Oak Point
  • Oak Ridge
  • Oak Ridge North
  • Oak Valley
  • Oakhurst
  • Oakland
  • Oakville
  • Oakwood
  • Odell
  • Odem
  • Odessa
  • Odonnell
  • Oglesby
  • Oilton
  • Oklaunion
  • Old Glory
  • Old Ocean
  • Old River-Winfree
  • Olden
  • Olmito
  • Olmos Park
  • Olney
  • Olton
  • Omaha
  • Onalaska
  • Opdyke West
  • Orange
  • Orange Grove
  • Orangefield
  • Orchard
  • Ore City
  • Orla
  • Ottine
  • Otto
  • Ovalo
  • Overton
  • Ovilla
  • Oyster Creek
  • Ozona
  • Paducah
  • Paige
  • Paint Rock
  • Palacios
  • Palestine
  • Palisades
  • Palm Valley
  • Palmer
  • Palmhurst
  • Palmview
  • Palo Pinto
  • Paluxy
  • Pampa
  • Pandora
  • Panhandle
  • Panna Maria
  • Panola
  • Panorama Village
  • Pantego
  • Paradise
  • Paris
  • Parker
  • Pasadena
  • Pattison
  • Patton Village
  • Pattonville
  • Pawnee
  • Payne Springs
  • Pear Valley
  • Pearland
  • Pearsall
  • Peaster
  • Pecan Gap
  • Pecan Hill
  • Pecos
  • Peggy
  • Pelican Bay
  • Pendleton
  • Penelope
  • Penitas
  • Pennington
  • Penwell
  • Pep
  • Perrin
  • Perry
  • Perryton
  • Petersburg
  • Petrolia
  • Petronila
  • Pettus
  • Petty
  • Pflugerville
  • Pharr
  • Pickton
  • Pierce
  • Pilot Point
  • Pine Forest
  • Pine Island
  • Pinehurst
  • Pineland
  • Piney Point Village
  • Pipe Creek
  • Pittsburg
  • Placedo
  • Plains
  • Plainview
  • Plano
  • Plantersville
  • Pleak
  • Pleasant Valley
  • Pleasanton
  • Pledger
  • Plum
  • Plum Grove
  • Poetry
  • Point
  • Point Comfort
  • Point Venture
  • Pointblank
  • Pollok
  • Ponder
  • Pontotoc
  • Poolville
  • Port Aransas
  • Port Arthur
  • Port Bolivar
  • Port Isabel
  • Port Lavaca
  • Port Mansfield
  • Port Neches
  • Port O Connor
  • Porter
  • Portland
  • Post
  • Post Oak Bend
  • Poteet
  • Poth
  • Pottsboro
  • Pottsville
  • Powderly
  • Powell
  • Poynor
  • Prairie Hill
  • Prairie Lea
  • Prairie View
  • Premont
  • Presidio
  • Price
  • Priddy
  • Primera
  • Princeton
  • Proctor
  • Progreso
  • Progreso Lakes
  • Prosper
  • Providence Village
  • Purdon
  • Purmela
  • Putnam
  • Pyote
  • Quail
  • Quanah
  • Queen City
  • Quemado
  • Quinlan
  • Quintana
  • Quitaque
  • Quitman
  • Rainbow
  • Ralls
  • Rancho Alegre
  • Rancho Viejo
  • Randolph
  • Ranger
  • Rankin
  • Ransom Canyon
  • Ratcliff
  • Ravenna
  • Raymondville
  • Raywood
  • Reagan
  • Realitos
  • Red Lick
  • Red Oak
  • Red Rock
  • Redford
  • Redwater
  • Refugio
  • Reklaw
  • Reno
  • Retreat
  • Rhome
  • Rice
  • Richards
  • Richardson
  • Richland
  • Richland Hills
  • Richland Springs
  • Richmond
  • Richwood
  • Riesel
  • Ringgold
  • Rio Bravo
  • Rio Frio
  • Rio Grande City
  • Rio Hondo
  • Rio Medina
  • Rio Vista
  • Rising Star
  • River Oaks
  • Riverside
  • Riviera
  • Road Runner
  • Roanoke
  • Roans Prairie
  • Roaring Springs
  • Robert Lee
  • Robinson
  • Robstown
  • Roby
  • Rochelle
  • Rochester
  • Rock Island
  • Rockdale
  • Rockport
  • Rocksprings
  • Rockwall
  • Rockwood
  • Rocky Mound
  • Rogers
  • Rollingwood
  • Roma
  • Roman Forest
  • Romayor
  • Roosevelt
  • Ropesville
  • Rosanky
  • Roscoe
  • Rose City
  • Rose Hill Acres
  • Rosebud
  • Rosenberg
  • Rosharon
  • Ross
  • Rosser
  • Rosston
  • Rotan
  • Round Mountain
  • Round Rock
  • Round Top
  • Rowena
  • Rowlett
  • Roxton
  • Royalty
  • Royse City
  • Rule
  • Runaway Bay
  • Runge
  • Rusk
  • Rye
  • Sabinal
  • Sabine Pass
  • Sachse
  • Sacul
  • Sadler
  • Saginaw
  • Saint Hedwig
  • Saint Jo
  • Saint Paul
  • Salado
  • Salineno
  • Salt Flat
  • Saltillo
  • Samnorwood
  • San Angelo
  • San Antonio
  • San Augustine
  • San Benito
  • San Diego
  • San Elizario
  • San Felipe
  • San Isidro
  • San Juan
  • San Leanna
  • San Leon
  • San Marcos
  • San Patricio
  • San Perlita
  • San Saba
  • San Ygnacio
  • Sanctuary
  • Sanderson
  • Sandia
  • Sandy
  • Sandy Oaks
  • Sandy Point
  • Sanford
  • Sanger
  • Sansom Park
  • Santa Anna
  • Santa Clara
  • Santa Elena
  • Santa Fe
  • Santa Maria
  • Santa Rosa
  • Santo
  • Saragosa
  • Saratoga
  • Sarita
  • Satin
  • Savoy
  • Schertz
  • Schulenburg
  • Schwertner
  • Scotland
  • Scottsville
  • Scroggins
  • Scurry
  • Seabrook
  • Seadrift
  • Seagoville
  • Seagraves
  • Sealy
  • Sebastian
  • Seguin
  • Selma
  • Selman City
  • Seminole
  • Seven Oaks
  • Seven Points
  • Seymour
  • Shady Shores
  • Shafter
  • Shallowater
  • Shamrock
  • Shavano Park
  • Sheffield
  • Shelbyville
  • Shenandoah
  • Shepherd
  • Sheridan
  • Sherman
  • Shiner
  • Shiro
  • Shoreacres
  • Sidney
  • Sienna Plantation
  • Sierra Blanca
  • Silsbee
  • Silver
  • Silverton
  • Simms
  • Simonton
  • Sinton
  • Skellytown
  • Skidmore
  • Slaton
  • Slidell
  • Smiley
  • Smithville
  • Smyer
  • Snook
  • Snyder
  • Socorro
  • Somerset
  • Somerville
  • Sonora
  • Sour Lake
  • South Bend
  • South Frydek
  • South Houston
  • South Mountain
  • South Padre Island
  • South Plains
  • Southlake
  • Southmayd
  • Southside Place
  • Spade
  • Speaks
  • Spearman
  • Spicewood
  • Splendora
  • Spofford
  • Spring
  • Spring Branch
  • Spring Valley Village
  • Springlake
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