CD Rates Texas (TX) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Texas CD rates include A+ Federal Credit UnionA+ Federal Credit Union1402 W Stassney LN, Austin, TX 78745 2948A-5.0 ★Texas Ratio: 14.18%Real return: +2.20%APY minus CPI (February 2026) offering StartUP Share Certificate 12 Months at 5.00% APY, 5Point Credit Union5Point Credit Union3700 Skyline Dr, Nederland, TX 77627 8303A5.0 ★Texas Ratio: 6.33%Real return: +1.54%APY minus CPI (February 2026) offering IRA Share Certificates and Share Certificates 12-Month (Tier 3) at 4.34% APY, Complex Community Federal Credit UnionComplex Community Federal Credit Union4519 E 51st St, Odessa, TX 79762A+5.0 ★Texas Ratio: 3.26%Real return: +1.44%APY minus CPI (February 2026) offering 12 Month Jumbo Share Certificates at 4.24% APY, DUGOODDUGOOD7505 Eastex Fwy Ste B, Beaumont, TX 77708F2.8 ★Texas Ratio: 41.67%Real return: +1.38%APY minus CPI (February 2026) offering 12 Months Certificate/IRA at 4.18% APY, and FIRSTLIGHTFIRSTLIGHT9993 Kenworthy St, El Paso, TX 79924A+5.0 ★Texas Ratio: 1.79%Real return: +1.35%APY minus CPI (February 2026) offering Special 6-Month Share Certificate at 4.15% APY. CD rates as of April 21, 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 — 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: April 21, 2026
Compare Best CD Rates in Texas
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 3 Months
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 months)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
90 Day Certificate of Deposit
$1,000
3.95%
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate Rate 3 Month Special
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3305 Steck Ave Ste 275, Austin, TX 78757
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2501 Palmer Hwy, Texas City, TX 77590
3-Month Certificate of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Consumer Online Banking Only
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
3-Month HYRC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Qualifications Required
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 3 Month CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
10304 East Fwy, Jacinto City, TX 77029
CD and over 3 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250,000
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 3 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
2405 S Stemmons Fwy Ste 102 105, Lewisville, TX 75067
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Online Only
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Reach your goals faster and take your money even further.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Super Jumbo CDs 3 Month
$225,000
3.49%
▼
Rate3.45%
Min Deposit$225,000
Min Balance—
UpdatedApr 21, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
3-Month Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Karnes County National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
311 E Calvert Ave, Karnes City, TX 78118
3-Month Term
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8201 Preston Rd, Dallas, TX 75225
3-Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
3 Months CD
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
90 Day CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Texas Heritage National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
107 Webb St, Daingerfield, TX 75638
90 Days Certificates of Deposit
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
3 Month CD
$100
3.25%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
3-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
102 E Main St, Sonora, TX 76950
90 Days CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Short-term savings made easy. Access your funds quickly while earning interest.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX 78750
Fixed Rate Certificates 3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members First Credit Union Corpus Christi, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5444 S Staples St, Corpus Christi, TX 78411
3 months Certificate & IRA
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
3 Month CD
$100,000
3.03%
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
8951 Synergy Dr, Mckinney, TX 75070
90 Day Fixed Rate CDS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
3 Months Certificate
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Coleman County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
610 Wallis Ave, Santa Anna, TX 76878
Certificates of Deposit 90 days
$100,000
2.94%
▼
Rate2.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1120 Us Highway 79 N, Henderson, TX 75652
90 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
90 Day CDs
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Under $100,000
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1301 Oak Street, Jourdanton, TX 78026
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX 75050
Certificates of Deposit 90 Days
$1,000
2.75%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
$1,000.00 Minimum
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
3-Month Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Texas Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
109 N Crowley Rd, Crowley, TX 76036
90 Days Certificates of Deposits and IRA's
$1,000
2.74%
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX 79603
Jumbo Savings Certificates & IRA Certificates 3 Months
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First United Bank Dimmitt, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
301 N Main St, Childress, TX 79201
Jumbo Certificates of Deposit 90 Days
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
3 Months Certificate/IRA
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1300 W Wilson St, Borger, TX 79007
Share Certificates 90 Days
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1100 Highway 327 E, Silsbee, TX 77656
3 Months Share Certificate
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Term Deposit -3 Months
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX 77505
CD - Term Share 90 day
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX 77065
90 Day Jumbo Certificate Account
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
(Consumer Only)
The MINT National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
90 Days Certificates of Deposit
$10,000
2.10%
▼
Rate2.08%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum deposit to open CD - $10,000; NOTE - substantial penalty for early withdrawal
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX 75215 1837
IRA Certificate 3 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
Special 6-Month Share Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Jumbo 6-Month Share Certificate
$100,000
4.08%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
533 N Alamo Rd, Alamo, TX 78516
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 N Elm St, Waxahachie, TX 75165
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX 79762
6 Month CAMPUS Share Certificates
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1100 Highway 327 E, Silsbee, TX 77656
6 Months Share Certificate
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 6 Month
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.36%
5507 W Wadley Ave, Midland, TX 79707
6 Months Term Share Accounts (CDs)
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1810 N Major Dr, Beaumont, TX 77713
Minor Term Deposit -6 Months
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX 79761 3948
6 Month CD
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Accounts (IRA) 180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
6-month Jumbo Share Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
102 E Main St, Sonora, TX 76950
180 Days CD
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Great for mid-term goals. Secure growth with minimal commitment.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX 75503
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Age 0-17
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
6 Month CD
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Colonial Savings, F.A.
Institution Rating:
B+4.7 ★Texas Ratio: 19.01%
2626d West Freeway, Fort Worth, TX 76102
Special 6-Month CD
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
6-Month Term Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Over $50,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2301 RICHMOND RD, TEXARKANA, TX 75503
6 month Share Certificates
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX 77571
6 mos. IRA Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
6 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
6-Month HYRC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Qualifications Required
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 6 Month to 11 Month
$0
3.87%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
6 Months Certificate/IRA
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1408 W Pioneer Dr, Irving, TX 75061
6 Month IRA Share Certificate
$1,500
3.85%
▼
Rate3.80%
Min Deposit$1,500
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $1,500 to open**
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
6 month term Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid monthly
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
180 Days Term Share Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
not available for IRAs
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
6 Month Boost Term Share
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
111 E Travis St, La Grange, TX 78945
6 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
180 Day CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
180 Day Certificate of Deposit
$1,000
3.80%
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
8921 N Sam Houston Pkwy W, Houston, TX 77064
6-month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Limited Time Only
Texas Heritage National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
107 Webb St, Daingerfield, TX 75638
180 Days Certificates of Deposit
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
6 Month CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
1507 Pine Tree Rd, Longview, TX 75604 2350
6 Months Certificate Account
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 6 Month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
10304 East Fwy, Jacinto City, TX 77029
CD and over 6 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$250,000
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX 77065
6 Month Certificate Account
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
(Consumer Only)
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 6 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX 78840
Certificates & IRA Certificates 6 months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
6 Month (Jumbo) Certificate of Deposit
$50,000
3.70%
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
6 Month Certificate
$100,000
3.68%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balances of: $100,000 and over
Alcon Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6201 South Fwy, Fort Worth, TX 76134
6 months Share Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX 78745 2948
StartUP Share Certificate 12 Months
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX 79762
12 Month Jumbo Share Certificates
$90,000
4.24%
▼
Rate4.15%
Min Deposit$90,000
Min Balance—
UpdatedApr 21, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
12 Months Certificate/IRA
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX 75034
12 Month Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX 79761 3948
12 Month CD
$0
4.10%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
1306 N Logan St, Texas City, TX 77590 5046
Share Term Certificate 12 Months
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1100 Highway 327 E, Silsbee, TX 77656
12 Months Share Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
12-month Jumbo Share Certificates
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3700 Avenue F, Bay City, TX 77414
1-YEAR CD
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Term Deposit -12 Months
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
1 Year Certificate
$25,000
4.00%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
$25,000- $99,999
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX 77571
12 mos. IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Texas Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1212 Turtle Creek Blvd, Dallas, TX 75207
High Yield CD 12 Months
$10,000
4.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
new money
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Plus Point Certificate 12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1001 E Lookout Dr, Richardson, TX 75082
IRA / 12 Month Certificate
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
14205 W FM 174, WINDTHORST, TX 76389
1 Year Super IRA
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Dividend Paid Monthly on Last Day of Month
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
12 month Promotional Online CD
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
12 Month CD
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank & Trust, Waco, Texas
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
1800 Washington Ave, Waco, TX 76701
12 Months CD
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
limited time CD yield
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month
$0
3.92%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$10,000 - $49,999.99
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Accounts (IRA) 365 Day (1 Year)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
517 W I 30, Garland, TX 75043
High-Rate Jumbo 12-Month CD
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only. This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. **Call for rates and APY on additional minimum balances.
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CDs 12 Months
$5,000
3.90%
▼
Rate3.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
12 Month Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Member Preferred Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
340 S Blue Mound Rd Ste 342, Fort Worth, TX 76131 1051
12 MONTHS Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
1 Year Puppy Pak Term Share Certificates
$100
3.87%
▼
Rate3.80%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 12 MONTHS
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
12-Month HYRC Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Qualifications Required
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1408 W Pioneer Dr, Irving, TX 75061
12 Month IRA Share Certificate
$1,500
3.85%
▼
Rate3.80%
Min Deposit$1,500
Min Balance—
UpdatedApr 21, 2026
Details
Cowboy Country Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.51%
501 SOUTH BROADWAY, PREMONT, TX 78375
CD'S (New) > (12 Months)
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 12 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Certificate 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cal-Com Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1401 N Virginia ST, Port Lavaca, TX 77979
12 Month Term Share Account
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 N Elm St, Waxahachie, TX 75165
12 month CDs
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
1 Year Boost Advantage CD Saver
$50
3.82%
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedApr 21, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
12 month term Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid monthly
Plains State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
19404 Kenswick Dr, Humble, TX 77338
12 Month CD
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
533 N Alamo Rd, Alamo, TX 78516
12-Month IRA CD Account
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
1 Year IRA Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX 78840
12-Month Certificate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
2237 Royal Ln, Dallas, TX 75229
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Limited time offer. Only available in our branches.
Texas Heritage National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
107 Webb St, Daingerfield, TX 75638
12 Months Certificates of Deposit
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
12 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
12-Month Term Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Over $50,000
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 12 Month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit Jumbo 18 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and over
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
18-Month Certificate Special
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
High Rate, Short Term - Enjoy a competitive rate without locking in your money for years.; Guaranteed Growth - Your earnings are safe and predictable.; Easy to Open - Start with as little as $500.
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
18 Months Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$1,000.00 & over
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CDs 18 Months
$5,000
3.75%
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
18 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedApr 21, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
18 mo. Share Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX 77571
18 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
18 Months Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5910 N MacArthur Blvd Ste 140, Irving, TX 75039 6108
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Save more when you move at least $500 from another financial institution.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 18 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$100
3.70%
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
102 E Main St, Sonora, TX 76950
18 Months CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Longer-term planning without locking in for too long. Maximize your interest safely.
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
18 Month IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
18-month CD Rate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Promotional Certificate of Deposit 18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
18 Month Certificate of Deposit
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX 78521
Educational IRA Certificates 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX 78758
18 Months CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
18 Month (Jumbo) Certificate of Deposit
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 18 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificates 18 months
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Texas Heritage National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
107 Webb St, Daingerfield, TX 75638
18 Months Certificates of Deposit
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 18 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
Certificates of Deposit Regular 18 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
18-month Jumbo Share Certificates
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
18 Months Certificate/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Postel Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4400 Maplewood Ave, Wichita Falls, TX 76308
18 Months Certificate of Deposit
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX 78840
Certificates & IRA Certificates 18 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX 78750
Fixed Rate Certificates 18 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX 78745 2948
18 month Share Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
18 Month Certificate (IRA)
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
18-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX 79603
Jumbo Savings Certificates & IRA Certificates 18 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
IRA Term Share Certificates 18 Months Add-On IRA
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323, TYLER, TX 75701 3700
18 Months Share Certificates
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
2000 Post Oak Blvd, Houston, TX 77056
18 months CD Share Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2301 RICHMOND RD, TEXARKANA, TX 75503
18 month Share Certificates
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Term Deposit -18 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Cal-Com Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1401 N Virginia ST, Port Lavaca, TX 77979
18 Month Term Share Account
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA 18 months
$2,500
3.50%
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
IRA & Roth IRA CD must be opened in branch.; In-Branch Only
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
18 Mos. CD (includes IRA)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1100 Highway 327 E, Silsbee, TX 77656
18 Months Share Certificate
$500
3.46%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and over
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
Kidicate Share Certificate (24 Months)
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Plus Point Certificate 24 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (2 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3700 Avenue F, Bay City, TX 77414
2-YEAR CD
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1001 E Lookout Dr, Richardson, TX 75082
IRA / 24 Month Certificate
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit Jumbo 2 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1100 Highway 327 E, Silsbee, TX 77656
24 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
2-year CD Rate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
24 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX 75602
Investment Certificate 1 to 2 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
24 mo. Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX 79603
Jumbo Savings Certificates & IRA Certificates 24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX 77619
Regular & IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323, TYLER, TX 75701 3700
24 Months Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
24-Month HYRC Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Qualifications Required
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX 75501 6269
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 24 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
24 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1408 W Pioneer Dr, Irving, TX 75061
24 Month IRA Share Certificate
$1,500
3.70%
▼
Rate3.65%
Min Deposit$1,500
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
102 E Main St, Sonora, TX 76950
24 Months CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Plan ahead and lock in your rate long-term. Let your savings work harder for your future.
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
24 Months Certificate
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
2 Year IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
24 Month CD
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
24 Months Term Share Certificates/Certificates of Deposit
$95,000
3.70%
▼
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedApr 21, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX 75215 1837
IRA Certificate 24 months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 24 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
306 E 10th St, Austin, TX 78701
24 Months CD and IRA CDs
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
24 Month IRA Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month CD
$100
3.65%
▼
Rate3.59%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX 79762
24 Month Members Advantage Share Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificates 24 months
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
24 Month (Jumbo) Certificate of Deposit
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 24-Month (Tier 3)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX 78758
24 Months CD
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1617 W 7th St, Fort Worth, TX 76102
Bump Rate CDs 24 Months
$5,000
3.60%
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
Certificates of Deposit Regular 24 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Term Share Certificate 24-month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
24 Month CD/Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
24 Month Certificate of Deposit
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Member Preferred Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
340 S Blue Mound Rd Ste 342, Fort Worth, TX 76131 1051
24 MONTHS Share Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
2 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
24 month term Certificate
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid monthly
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
8870 Gazelle Dr, El Paso, TX 79925
24 months Bump-it-Up Share Certificate
$2,000
3.56%
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX 79603
Jumbo Savings Certificates & IRA Certificates 36 Months
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Plus Point Certificate 36 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
3-year CD Rate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX 75602
Investment Certificate 2 to 3 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
36 mo. Share Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
36-Month HYRC Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Qualifications Required
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1100 Highway 327 E, Silsbee, TX 77656
36 Months Share Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
Certificates of Deposit Regular 36 Months
$500
3.70%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
36 Months Certificate
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
36 Month (Jumbo) Certificate of Deposit
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 36 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
36 Month CD
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
36 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX 75215 1837
IRA Certificate 36 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Certificate 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
36 Month Certificate of Deposit
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
306 E 10th St, Austin, TX 78701
36 Months CD and IRA CDs
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
36 Month CD
$100
3.60%
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
36 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
36 month term Certificate
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid monthly
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
14205 W FM 174, WINDTHORST, TX 76389
3 Year IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Last Day of Month, Contribution Allowed Upon Maturity
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX 75050
IRA Certificates of Deposit 3 Years
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
$1,000.00 Minimum
TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
121 E Courthouse St, Cuero, TX 77954
36 Month Jumbo CD Special
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
36 Months Certificate/IRA
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
7474 Ferguson Rd, Dallas, TX 75228
36 Months CDs, Roth IRA and IRA Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX 78745 2948
36 month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1408 W Pioneer Dr, Irving, TX 75061
36 Month IRA Share Certificate
$1,500
3.50%
▼
Rate3.45%
Min Deposit$1,500
Min Balance—
UpdatedApr 21, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Term Deposit -3 Years
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323, TYLER, TX 75701 3700
36 Months Share Certificates
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX 77571
36 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
3 Year IRA Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 86 / 36 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
36 Month Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
36 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
3 Year Boost Term Share
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
Regular CDs 3 Years
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$5009
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA 36 months
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
IRA & Roth IRA CD must be opened in branch.; In-Branch Only
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
3700 N 12th St, McAllen, TX 78501
36 Months TERM IRA SHARE CERTIFICATES
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Plus Point Certificate 48 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$250,001
3.82%
▼
Rate3.75%
Min Deposit$250,001
Min Balance—
UpdatedApr 21, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$1,000.00 & over
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX 75602
Investment Certificate 3 to 4 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
Certificates of Deposit Regular 48 Months
$500
3.80%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit Jumbo 4 Years
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
48 Month CD
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA 48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo. Share Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
48 Month Certificate of Deposit
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
48 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedApr 21, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX 75215 1837
IRA Certificate 48 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
3700 N 12th St, McAllen, TX 78501
48 Months TERM IRA SHARE CERTIFICATES
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
306 E 10th St, Austin, TX 78701
48 Months CD and IRA CDs
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
48 Month (Jumbo) Certificate of Deposit
$50,000
3.55%
▼
Rate3.49%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 87 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX 78745 2948
48 month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
48 Month CD
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323, TYLER, TX 75701 3700
48 Months Share Certificates
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX 77571
48 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Term Deposit -4 Years
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
7474 Ferguson Rd, Dallas, TX 75228
48 Months CDs, Roth IRA and IRA Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
48 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
4 Year IRA Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 4 Years
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
48 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA 48 months
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
IRA & Roth IRA CD must be opened in branch.; In-Branch Only
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Certificate 48 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
48-Month IRA Certificates
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
48 Month CD
$99,000
3.29%
▼
Rate3.25%
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
48-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
2101 N Fulton st, Wharton, TX 77488
48 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
48-Month Certificates of Deposit (CD)
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX 78758
48 Months CD
$1,000
3.20%
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
8870 Gazelle Dr, El Paso, TX 79925
48 months Share Certificates
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
48 Month Certificate
$0
3.16%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Starting at $10,000+
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Term Share Certificate 48-month
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
DATCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
919 S Highway 377, AUBREY, TX 76227
48 months Certificates of Deposit
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First United Bank Dimmitt, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
301 N Main St, Childress, TX 79201
Jumbo Certificates of Deposit 4 Years
$100,000
3.05%
▼
Rate3.02%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
400 S Akard St, Dallas, TX 75202 5324
48 Months IRA Certificates
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and over
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
111 N 2nd St, Alpine, TX 79830
Business Savings Certificate 60 Month Value
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Plus Point Certificate 60 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (5 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
5 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
5-year CD Rate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
60 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$1,000.00 & over
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX 75602
Investment Certificate 4 to 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 60-Month (Tier 3)
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit Jumbo 5 Years
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
60 Month CD
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323, TYLER, TX 75701 3700
60 Months Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
60 Month Certificate of Deposit
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
60 Months Term Share Certificates/Certificates of Deposit
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedApr 21, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
60 Months Certificate
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 60 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
60 mo. Share Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
3700 N 12th St, McAllen, TX 78501
60 Months TERM IRA SHARE CERTIFICATES
$100,000
3.61%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
60 Month CD
$100
3.60%
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
60 month term Certificate
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid monthly
DUGOOD
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX 77708
60 Months Certificate/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 5 Years
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
5 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX 75034
IRA Share Certificates 88 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX 75215 1837
IRA Certificate 60 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
60 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
60 Month (Jumbo) Certificate of Deposit
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX 78745 2948
60 month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX 77571
60 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
60-Month HYRC Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Qualifications Required
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1810 N Major Dr, Beaumont, TX 77713
Regular or IRA Term Deposit -5 Years
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Accounts (IRA) 18 months (1.5 Years)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1905 Forest Ridge Dr, Bedford, TX 76021 5724
IRA Term Share Certificates 60 Months
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
7474 Ferguson Rd, Dallas, TX 75228
60 Months CDs, Roth IRA and IRA Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
Regular CDs 5 Years
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$5009
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
60 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
60-Month IRA Certificates
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
60 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA 60 months
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
IRA & Roth IRA CD must be opened in branch.; In-Branch Only
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX 78213
Jumbo Certificates 60 months
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
60 Month CD
$99,000
3.34%
▼
Rate3.30%
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
8870 Gazelle Dr, El Paso, TX 79925
60 months Share Certificates
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
5 Year IRA Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coleman County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
610 Wallis Ave, Santa Anna, TX 76878
Certificates of Deposit 60 Months
$100,000
3.30%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD — TX Avg
2.789%
▼ 0.082 vs 7 days ago
Texas 12-month CD rates fell 0.082 points over the past 7 days to 2.789% APY.
6-Month CD — TX Avg
2.340%
▼ 0.331 vs 7 days ago
Texas 6-month CD rates fell 0.331 points over the past 7 days to 2.340% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.789%
6-Month Forecast
2.789%
Range: 2.59% – 2.94%
12-Month Forecast
2.539%
Range: 2.34% – 2.69%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.901% | $95.03 | $190.06 | $475.15 | $950.30 |
| 6-Month CD | 2.340% | $116.98 | $233.95 | $584.88 | $1,169.75 |
| 12-Month CD | 2.789% | $139.43 | $278.85 | $697.13 | $1,394.25 |
| 18-Month CD | 2.906% | $145.30 | $290.59 | $726.48 | $1,452.95 |
| 24-Month CD | 2.961% | $148.06 | $296.12 | $740.30 | $1,480.60 |
| 36-Month CD | 2.974% | $148.68 | $297.35 | $743.38 | $1,486.75 |
| 48-Month CD | 2.995% | $149.73 | $299.46 | $748.65 | $1,497.30 |
| 60-Month CD | 2.956% | $147.81 | $295.61 | $739.03 | $1,478.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
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.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.901% | $95.03 |
| 2 | 6-Month CD | $5,000 | 2.340% | $116.98 |
| 3 | 12-Month CD | $5,000 | 2.789% | $139.43 |
| 4 | 24-Month CD | $5,000 | 2.961% | $148.06 |
| 5 | 36-Month CD | $5,000 | 2.974% | $148.68 |
| Total ($25,000 invested) | $25,000 | 2.593% blended | $648.18/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.
226
Institutions
in Texas
in Texas
75 Banks
151 Credit Unions
About Our Texas CD Rate Database
MonitorBankRates tracks CD rates from 75 banks and 151 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 (1–5), 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 151 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 — 226 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$123/yr
At TX 12-mo avg 2.789% 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 2.789%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $123 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 (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Texas
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 (StartUP Share Certificate 12 Months)
- 5Point Credit Union: 4.34% APY (IRA Share Certificates and Share Certificates 12-Month (Tier 3))
- Complex Community Federal Credit Union: 4.24% APY (12 Month Jumbo Share Certificates)
- DUGOOD: 4.18% APY (12 Months Certificate/IRA)
- FIRSTLIGHT: 4.15% APY (Special 6-Month Share Certificate)
- Conservation Employees Credit Union: 4.10% APY (12 Month Certificate)
- West Texas Credit Union: 4.10% APY (12 Month CD)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
- Kelly Community Federal Credit Union: 4.08% APY (Kidicate Share Certificate (24 Months))
- Gulf Shore Federal Credit Union: 4.08% APY (Share Term Certificate 12 Months)
Rates reflect recent verified offers available in Texas. Last Updated: April 21, 2026
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 LadderTX CD rates currently range from 1.901% (3-month) to 2.974% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Texas CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.789% 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
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 pulling data straight 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: April 21, 2026
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