Annona, Texas CD Rates Today - Compare Best APYs for July 2026
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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 Annona, Texas CD rates include 5Point Credit Union5Point Credit UnionA5.0 ★Texas Ratio: 5.94%Real return: +1.54%APY minus CPI (February 2026) offering IRA Share Certificate 12-Month (Tier 3) at 4.34% APY, ADVANCIALADVANCIALA+5.0 ★Texas Ratio: 9.94%Real return: +1.54%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates 5 years at 4.34% APY, Texas Bay Credit UnionTexas Bay Credit UnionA5.0 ★Texas Ratio: 7.72%Real return: +1.53%APY minus CPI (February 2026) offering Callable CD 24 Months at 4.33% APY, First Community Credit Union Houston, TXFirst Community Credit Union Houston, TXA+5.0 ★Texas Ratio: 5.29%Real return: +1.45%APY minus CPI (February 2026) offering 3 Year CD at 4.25% APY, and Neches Federal Credit UnionNeches Federal Credit UnionA+5.0 ★Texas Ratio: 1.42%Real return: +1.45%APY minus CPI (February 2026) offering IRA Shares Certificate 12 months at 4.25% APY. CD rates as of July 11, 2026 according to verified data from MonitorBankRates.
Annona is a smaller community with no bank or credit union branches currently in our database. 773 institutions serving the Texas area are available to Annona residents, with CD rates as high as 4.34% APY from 5Point Credit Union. 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: July 11, 2026
Compare Best CD Rates in Annona, Texas & the Surrounding Area
Annona 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
Jumbo Certificates of Deposit - 90 Days
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Momentum Share Certificate 3 Month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
3 Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
This Summer Watch Your Savings Shine
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$100,001
4.02%
▼
Rate3.95%
Min Deposit$100,001
Min Balance—
UpdatedJun 26, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$50,001
3.97%
▼
Rate3.90%
Min Deposit$50,001
Min Balance—
UpdatedJun 26, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (3 months)
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedJul 9, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
$500,000+ balance tier
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
$500,000+ balance requirement
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
Balance: Less than $50,000
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
3-Month Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 27, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 9, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 27, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificates 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Share Certificate 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Regular
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Certificates of Deposit 3 Months
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
A penalty may be imposed for early withdrawal
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Individual Retirement Accounts (IRA) 3 Months
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
A penalty may be imposed for early withdrawal
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 3 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3 Month IRA Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share 90 day
$100,000
2.88%
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
90 day
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedJul 9, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate 3 Month
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJun 26, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
Annona 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Special 6-Month Share Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Take advantage of this limited-time savings opportunity and move your financial goals forward.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Branch $1,000 Minimum Deposit
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Digital Online Rate: 4.16% with $25,000 Minimum Deposit
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 2)
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 2)
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 6 months
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
Jumbo 6-Month Share Certificate
$0
4.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Special promotional rate valid June 8-26.
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD Account
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
Term Share Accounts (CDs) 6 Months
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 1)
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Minor Term Deposit -6 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 1)
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJun 27, 2026
Details
New Money Special
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$100,001
3.97%
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
UpdatedJun 26, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
3.95%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedJun 23, 2026
Details
For kids and Teens (age 0-17). Compounded monthly.
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
Special 3.94% APY 6-Month CD!
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$50,001
3.92%
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
UpdatedJun 26, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
IRA Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
Regular Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Month IRA Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
6 month term
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Interest paid monthly
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Boost Term Share
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 29, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
6 Month IRA Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
6 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 9, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 mos. Roth IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 mos. Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
IRA Certificate 6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
CD/Share Certificates 6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Annona 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 12 months
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 2)
$0
4.24%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 2)
$0
4.24%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 12 Month Certificate
$2,000
4.18%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Branch $1,000 Minimum Deposit
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Digital Online Rate: 4.16% with $25,000 Minimum Deposit
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 1)
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 1)
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Term Deposit -12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 mos. Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 mos. IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 mos. Roth IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$25,000- $99,999
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 Year Super
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Dividend Paid Monthly on Last Day of Month
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 Year Super Jumbo
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Savings; Roll Back to Certificate
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
12 month Promotional Online CD
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Community Bank & Trust, Waco, Texas
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
12 Months CD
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Limited time CD yield.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12 month
$100
3.91%
▼
Rate3.85%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
12 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 Month CD (also IRA)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Months
$0
3.88%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
12 Month Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
12 Month IRA Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
1 Year Puppy Pak
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 29, 2026
Details
Member Preferred Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
12 MONTHS
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
1 Year Teen
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 29, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
12-Month Rate Climber Certificate
$5,000
3.87%
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
UpdatedJun 27, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 12 MONTHS
$95,000
3.87%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 29, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
12 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Cowboy Country Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 19.16%
CD'S (New) 12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 12 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
12-month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
IRA Certificate 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
Regular Certificate 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
12 Month IRA Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Annona 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
Certificate of Deposit (Regular and IRA Certificates Of Deposit) - 18 Months
$50,000
4.07%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedJun 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable IRA Certificate
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
18 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 - 18 Months Flex Share Certificate Special
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
18-Month Certificate Special
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 27, 2026
Details
Special rate available with funds new to Essential. Rates are fixed for the term of the certificate. Penalties may be imposed for early withdrawal and could reduce earnings. Rates, terms and conditions are subject to change without notice. Member eligibility required.
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
18-month Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
See all Certificate Rates
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 29, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 18 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$75,000
3.80%
▼
Rate3.74%
Min Deposit$75,000
Min Balance—
UpdatedJul 8, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$20,000
3.75%
▼
Rate3.69%
Min Deposit$20,000
Min Balance—
UpdatedJul 8, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 18 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
18 Month IRA Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
18 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 mos. Roth IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 mos. Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18 months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$5,000
3.69%
▼
Rate3.63%
Min Deposit$5,000
Min Balance—
UpdatedJul 8, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
18-Month Rate Climber Certificate
$5,000
3.66%
▼
Rate3.60%
Min Deposit$5,000
Min Balance—
UpdatedJun 27, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
18-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Educational IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Roth IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 18 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
18-Month Certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJun 27, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
Certificate of Deposit (Regular and IRA Certificates Of Deposit) - 18 Months
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 29, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
Regular Certificate 18 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 18-month Jumbo
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
18 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
18 Month Certificate (IRA)
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJul 9, 2026
Details
Annona 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 24 Months
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$95,000
3.97%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 24 Month Certificate
$2,000
3.97%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 29, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24 mo.
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$500
3.87%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
Certificate of Deposit (Regular and IRA Certificates Of Deposit) - 2 Years
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedJun 29, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
2 YEAR CERTIFICATE
$95,000
3.82%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 24 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Compounded & Credited Quarterly
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.68%
Min Deposit$100,000
Min Balance—
UpdatedJun 27, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
24 Month Certificate
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedJul 8, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month Term Share Certificate
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 24 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
2 YEAR CERTIFICATE
$500
3.71%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share 2 year
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedJun 23, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month IRA Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
CD 24 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
24 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
24-Month Rate Climber Certificate
$5,000
3.61%
▼
Rate3.55%
Min Deposit$5,000
Min Balance—
UpdatedJun 27, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 2 Year
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
IRA Certificate 24 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
24 months
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
Regular Certificate 24 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
CD/Share Certificates 24 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
24-Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Annona 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3 Year CD
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Withdrawals and fees may reduce earnings. On Term Share accounts (Certificates of Deposit), a penalty may be imposed for early withdrawal. Interest will be compounded daily and be paid monthly.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Variable IRA Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$95,000
4.07%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$500
3.97%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36 mo.
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$95,000
3.92%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 29, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Dividends Compounded & Credited Quarterly
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
36 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 36 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 36 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.68%
Min Deposit$100,000
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Jumbo Certificates 3 years
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 36-Month (Tier 2)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 36-Month (Tier 2)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
36 Month IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
36 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
36 Months / 3 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
CD 36 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
Regular Certificate 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
IRA Certificate 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Junior Jumbo Certificates 3 years
$0
3.58%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate 3 Year
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 month term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Interest paid monthly
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Shares; Roll Back to Certificate
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
36 Month IRA Certificate
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 36-Month (Tier 1)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Annona 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48 mo.
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Jumbo Certificates 4 years
$0
3.93%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$250,001
3.87%
▼
Rate3.80%
Min Deposit$250,001
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 29, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Junior Jumbo Certificates 4 years
$0
3.83%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$100,001
3.82%
▼
Rate3.75%
Min Deposit$100,001
Min Balance—
UpdatedJun 26, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 48 Months
$95,000
3.80%
▼
Rate3.73%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Months
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
Certificate of Deposit (Regular and IRA Certificates Of Deposit) - 4 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedJun 29, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$50,001
3.76%
▼
Rate3.70%
Min Deposit$50,001
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 48 Months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Certificates 4 years
$0
3.72%
▼
Rate3.66%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$1,000
3.71%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months / 4 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 48 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
48 Month IRA Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
CD 48 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
48 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
Certificate of Deposit (Regular and IRA Certificates Of Deposit) - 4 Years
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 29, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Term Deposit -4 Years
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 mos. Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 mos. Roth IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
IRA Share Certificates 87 / 48 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Int. Monthly
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months / 4 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Boost Term Share
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Certificates 48 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month Term Share Certificate
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Annona 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Jumbo Certificates 5 years
$0
4.34%
▼
Rate4.26%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Junior Jumbo Certificates 5 years
$0
4.24%
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Regular, IRA & Business Certificates 5 years
$0
4.14%
▼
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 60 Months
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60 mo.
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate3.92%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 60 Months
$95,000
4.00%
▼
Rate3.92%
Min Deposit$95,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit 60 Months
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
JUMBO $95,000+
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 29, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
60 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
Certificate of Deposit (Regular and IRA Certificates Of Deposit) - 5 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedJun 29, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 60-Month (Tier 3)
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 60-Month (Tier 3)
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
60 Months / 5 Years
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 60-Month (Tier 2)
$0
3.66%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 5 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 60-Month (Tier 2)
$0
3.66%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
60 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares Certificate 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 month term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Interest paid monthly
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Boost Term Share
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate 5 Year
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 60-Month (Tier 1)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 60-Month (Tier 1)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 27, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
60 Months / 5 Years
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
Certificate of Deposit (Regular and IRA Certificates Of Deposit) - 5 Years
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 29, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
60 Month IRA Certificate
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 mos. Roth IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
60 Month IRA Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
60 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Annona, TX CD Rate Trends
Compare local Annona, TX CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — TX Avg
2.290%
▼ 0.159 vs 7 days ago
Texas 12-month CD rates fell 0.159 points over the past 7 days to 2.290% APY.
6-Month CD — TX Avg
1.580%
▼ 0.475 vs 7 days ago
Texas 6-month CD rates fell 0.475 points over the past 7 days to 1.580% APY.
As of Jul 11, 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 July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.290%
6-Month Forecast
2.290%
Range: 2.09% – 2.44%
12-Month Forecast
2.040%
Range: 1.84% – 2.19%
Powered by
MonitorBankRates
What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.972% | $98.61 | $197.22 | $493.05 | $986.10 |
| 6-Month CD | 1.580% | $78.99 | $157.98 | $394.95 | $789.90 |
| 12-Month CD | 2.290% | $114.51 | $229.02 | $572.55 | $1,145.10 |
| 18-Month CD | 2.514% | $125.69 | $251.38 | $628.45 | $1,256.90 |
| 24-Month CD | 2.659% | $132.94 | $265.87 | $664.68 | $1,329.35 |
| 36-Month CD | 3.270% | $163.52 | $327.03 | $817.58 | $1,635.15 |
| 48-Month CD | 3.198% | $159.92 | $319.84 | $799.60 | $1,599.20 |
| 60-Month CD | 3.264% | $163.22 | $326.43 | $816.08 | $1,632.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 11, 2026. | |||||
Sample CD Ladder for Annona, 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 | 1.972% | $98.61 |
| 2 | 6-Month CD | $5,000 | 1.580% | $78.99 |
| 3 | 12-Month CD | $5,000 | 2.290% | $114.51 |
| 4 | 24-Month CD | $5,000 | 2.659% | $132.94 |
| 5 | 36-Month CD | $5,000 | 3.270% | $163.52 |
| Total ($25,000 invested) | $25,000 | 2.354% blended | $588.57/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,120
CD Rates
Tracked in Annona, Texas
Tracked in Annona, Texas
39 Banks
92 Credit Unions
About Our Annona, Texas CD Rate Database
MonitorBankRates tracks 1,120 CD rates from 39 banks and 92 credit unions with locations in Annona, 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: 5Point Credit Union offers a CD at 4.34% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Annona, Texas.
How to Find the Best CD Rates in Annona, Texas
What to compare when shopping for a CD in Annona, Texas
To find the best APYs in Annona, Texas, start with credit unions and online-only banks — Annona, Texas has 92 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 Annona, 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 Annona, Texas — 131 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Annona, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Annona, Texas money market rates
Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$101/yr
At TX 12-mo avg 2.290% 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 2.290%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $101 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 Annona, Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Annona, Texas
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Annona, Texas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Annona, Texas as everywhere in the U.S.
Choosing a CD Term in Annona, Texas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Annona, Texas savers easier access to their funds. For example, FIRSTLIGHT is offering its Special 6-Month Share Certificate at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Regular, IRA & Business Jumbo Certificates 5 years at 4.34% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Annona, Texas Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Annona, Texas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Annona, Texas
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Annona, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Annona, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Annona, Texas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Annona, Texas
Are CD rates in Annona, Texas FDIC insured?
Yes, most established banks in Annona, 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 Annona, 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 Annona, 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 Annona, 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 Annona, Texas?
Here are recent top rates found for this area:
- 5Point Credit Union: 4.34% APY (IRA Share Certificate 12-Month (Tier 3))
- ADVANCIAL: 4.34% APY (Regular, IRA & Business Jumbo Certificates 5 years)
- Texas Bay Credit Union: 4.33% APY (Callable CD 24 Months)
- First Community Credit Union Houston, TX: 4.25% APY (3 Year CD)
- Neches Federal Credit Union: 4.25% APY (IRA Shares Certificate 12 months)
- FIRSTLIGHT: 4.25% APY (Special 6-Month Share Certificate)
- Members Trust of the Southwest Federal Credit Union: 4.18% APY (1 Year)
- Lifetime Federal Credit Union: 4.18% APY (IRA / 12 Month Certificate)
- Gulf Capital Bank: 4.18% APY (Jumbo Certificates of Deposit - 90 Days)
- DuGood Federal Credit Union: 4.18% APY (12 Months)
Rates reflect recent verified offers available in Annona, Texas. Last Updated: July 11, 2026
CD Calculators for Annona, Texas
Annona, Texas CD Calculator
At today’s TX top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Annona, Texas CD LadderTX CD rates currently range from 1.972% (3-month) to 3.270% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Annona, Texas CD at 4.34% 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 2.290% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Annona, Texas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Annona, Texas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Annona, 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: July 11, 2026
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