Austin, Texas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Austin, Texas CD rates include Austin Telco Federal Credit UnionAustin Telco Federal Credit Union8929 Shoal Creek Blvd, Austin, TX 78757A+5.0 ★Texas Ratio: 2.11%Real return: +1.26%APY minus CPI (February 2026) offering 60-Month Super Jumbo Certificate at 4.06% APY, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX 78759A+5.0 ★Texas Ratio: 2.09%Real return: +1.22%APY minus CPI (February 2026) offering IRA Share Certificate 12 Month at 4.02% APY, Technology Credit UnionTechnology Credit Union823 Congress Ave Ste 300, Austin, TX 78701 2448A+5.0 ★Texas Ratio: 3.39%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificate at 4.00% APY, GREATER TEXASGREATER TEXAS12319 N Mopac Expy, Austin, TX 78758A5.0 ★Texas Ratio: 6.70%Real return: +1.20%APY minus CPI (February 2026) offering IRA Term Share Accounts/Certificates of Deposit - 60 Months at 4.00% APY, and LCRA Credit UnionLCRA Credit Union3505 Montopolis Dr Bldg A, Austin, TX 78744A+5.0 ★Texas Ratio: 2.39%Real return: +1.15%APY minus CPI (February 2026) offering 6 Month Regular/ IRA at 3.95% APY. CD rates as of August 31, 2026 according to verified data from MonitorBankRates.
Austin has 292 local institutions in our database, with CD rates as high as 4.06% APY from Austin Telco Federal Credit Union at 8929 Shoal Creek Blvd, Austin, TX 78757. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated — 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: August 31, 2026
Compare Best CD Rates in Austin, Texas & the Surrounding Area
Austin 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
901 Mopac Expressway South Suite 100, Austin, TX 78746
3-Month CD
$0
3.75%
▲ 2.31% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.31% above avgNationally 1.96%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
90 Day
$0
3.60%
▲ 2.16% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.16% above avgNationally 1.96%
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
90 Day Jumbo CD
$0
3.60%
▲ 2.16% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.16% above avgNationally 1.96%
Details
Jumbo CDs are for $500,000 and over. Annual Percentage Yield effective as of 08/24/2026. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Certificate
$0
3.50%
▲ 2.06% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.06% above avgNationally 1.96%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 3 Month
$0
3.50%
▲ 2.06% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.06% above avgNationally 1.96%
Details
$95,000
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
90 Day
$0
3.35%
▲ 1.91% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
3 Month
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 3 Month
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
319 W Slaughter Ln, Austin, TX 78748
90 Day Certificate of Deposit
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
3 Month
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
90 Day
$0
3.05%
▲ 1.61% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.61% above avgNationally 1.96%
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 W 38th St, Austin, TX 78705
Jumbo Certificates of Deposit - 3 Months
$90,000
3.05%
▲ 1.61% above Texas avg
▼
Rate3.02%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.61% above avgNationally 1.96%
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
3 Month
$0
3.00%
▲ 1.56% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.56% above avgNationally 1.96%
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
3 Month Certificate
$0
3.00%
▲ 1.56% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.56% above avgNationally 1.96%
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 W 38th St, Austin, TX 78705
3 Months
$1,000
2.85%
▲ 1.41% above Texas avg
▼
Rate2.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.41% above avgNationally 1.96%
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
3-Month
$0
2.27%
▲ 0.83% above Texas avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 0.83% above avgNationally 1.96%
Details
Dividends: Quarterly
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
3-Month
$0
1.76%
▲ 0.32% above Texas avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 0.32% above avgNationally 1.96%
Details
Dividends: Quarterly
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
3 Month Short Term Certificate
$0
1.00%
▼ 0.44% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▼ 0.44% below avgNationally 1.96%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 3 Months
$1,000
0.75%
▼ 0.69% below Texas avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▼ 0.69% below avgNationally 1.96%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 3 Months
$1,000
0.75%
▼ 0.69% below Texas avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▼ 0.69% below avgNationally 1.96%
Details
JUMBO $95,000+
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Certificate of Deposit - 3 Months
$1,000
0.60%
▼ 0.84% below Texas avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▼ 0.84% below avgNationally 1.96%
Details
Dividend Pay & Compound: N/A
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.38% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▼ 1.38% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.38% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▼ 1.38% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.39% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▼ 1.39% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.39% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▼ 1.39% below avgNationally 1.96%
Details
Relationship Interest Rate 0.06%
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
90 Days
$0
4.13%
▲ 2.69% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.69% above avgNationally 1.96%
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00%
▲ 2.56% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.56% above avgNationally 1.96%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$100,001
3.92%
▲ 2.48% above Texas avg
▼
Rate3.85%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.48% above avgNationally 1.96%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day
$1,000
3.90%
▲ 2.46% above Texas avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.46% above avgNationally 1.96%
Details
Compounded: ; Credited: At Maturity
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$50,001
3.87%
▲ 2.43% above Texas avg
▼
Rate3.80%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.43% above avgNationally 1.96%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 2.41% above Texas avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.41% above avgNationally 1.96%
Details
Special Offer. balances under $100k
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$1,000
3.82%
▲ 2.38% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.38% above avgNationally 1.96%
Details
Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3-Month CD
$0
3.80%
▲ 2.36% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.36% above avgNationally 1.96%
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day
$0
3.80%
▲ 2.36% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.36% above avgNationally 1.96%
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3-Month Certificate
$0
3.75%
▲ 2.31% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.31% above avgNationally 1.96%
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.65%
▲ 2.21% above Texas avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.21% above avgNationally 1.96%
Details
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
90 Day
$0
3.55%
▲ 2.11% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.11% above avgNationally 1.96%
Details
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.51%
▲ 2.07% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.07% above avgNationally 1.96%
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
3-Month Certificate
$0
3.51%
▲ 2.07% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.07% above avgNationally 1.96%
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Month CD
$1,000
3.50%
▲ 2.06% above Texas avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.06% above avgNationally 1.96%
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$1,000
3.45%
▲ 2.01% above Texas avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 2.01% above avgNationally 1.96%
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
▲ 1.96% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.96% above avgNationally 1.96%
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.40%
▲ 1.96% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.96% above avgNationally 1.96%
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.39%
▲ 1.95% above Texas avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.95% above avgNationally 1.96%
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months CD
$1,000
3.35%
▲ 1.91% above Texas avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
A penalty may be imposed for early withdrawal
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months IRA
$1,000
3.35%
▲ 1.91% above Texas avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
A penalty may be imposed for early withdrawal
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35%
▲ 1.91% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificates 3-Month
$0
3.35%
▲ 1.91% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.30%
▲ 1.86% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.86% above avgNationally 1.96%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30%
▲ 1.86% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average1.44%▲ 1.86% above avgNationally 1.96%
Details
Austin 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3505 Montopolis Dr Bldg A, Austin, TX 78744
6 Month Regular/ IRA
$500
3.95%
▲ 1.94% above Texas avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.94% above avgNationally 2.67%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 6 Month
$0
3.92%
▲ 1.91% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.91% above avgNationally 2.67%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
901 Mopac Expressway South Suite 100, Austin, TX 78746
6-Month CD
$0
3.90%
▲ 1.89% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.89% above avgNationally 2.67%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 6 Month
$0
3.87%
▲ 1.86% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.86% above avgNationally 2.67%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 6 Month
$0
3.82%
▲ 1.81% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.81% above avgNationally 2.67%
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3001 Palm Way, Austin, TX 78758
6-month CD
$0
3.65%
▲ 1.64% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.64% above avgNationally 2.67%
Details
New Money
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
6 MONTH CD
$0
3.65%
▲ 1.64% above Texas avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.64% above avgNationally 2.67%
Details
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
319 W Slaughter Ln, Austin, TX 78748
180 Day Certificate of Deposit
$0
3.65%
▲ 1.64% above Texas avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.64% above avgNationally 2.67%
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
6 Month Certificate
$0
3.65%
▲ 1.64% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.64% above avgNationally 2.67%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
6 Month Share Certificate
$0
3.61%
▲ 1.60% above Texas avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.60% above avgNationally 2.67%
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
CD 6 Months
$0
3.60%
▲ 1.59% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.59% above avgNationally 2.67%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Super Jumbo Certificate
$225,000
3.55%
▲ 1.54% above Texas avg
▼
Rate3.50%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.54% above avgNationally 2.67%
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3001 Palm Way, Austin, TX 78758
6-month CD
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
New Money
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
6 Month Short Term Certificate
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Certificate
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 6 Month
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
$95,000
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 6 Months
$1,000
3.50%
▲ 1.49% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 6 Months
$1,000
3.50%
▲ 1.49% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
JUMBO $95,000+
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
621 W Saint Johns Ave, Austin, TX 78752 2315
Share Certificates 6-Month Term
$0
3.45%
▲ 1.44% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.44% above avgNationally 2.67%
Details
Compounded Monthly
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
6 Month
$0
3.45%
▲ 1.44% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.44% above avgNationally 2.67%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Jumbo Certificate
$95,000
3.44%
▲ 1.43% above Texas avg
▼
Rate3.40%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.43% above avgNationally 2.67%
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
623 W 38th St, Austin, TX 78705
6-Month CD Special
$0
3.40%
▲ 1.39% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.39% above avgNationally 2.67%
Details
Limited Time CD Special
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
6 Month
$0
3.35%
▲ 1.34% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.34% above avgNationally 2.67%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 6 Month
$0
3.35%
▲ 1.34% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.34% above avgNationally 2.67%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Share Certificate
$1,000
3.34%
▲ 1.33% above Texas avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.33% above avgNationally 2.67%
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
6-Month
$0
3.29%
▲ 1.28% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.28% above avgNationally 2.67%
Details
Dividends: Quarterly
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Certificate of Deposit - 6 Months
$1,000
3.25%
▲ 1.24% above Texas avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.24% above avgNationally 2.67%
Details
Dividend Pay & Compound: Quarterly
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
180 Day
$0
3.10%
▲ 1.09% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 1.09% above avgNationally 2.67%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month CD
$0
3.00%
▲ 0.99% above Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 0.99% above avgNationally 2.67%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month Standard IRA CD
$0
3.00%
▲ 0.99% above Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 0.99% above avgNationally 2.67%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 6 Month CD
$0
3.00%
▲ 0.99% above Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 0.99% above avgNationally 2.67%
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
6-Month
$0
2.78%
▲ 0.77% above Texas avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 0.77% above avgNationally 2.67%
Details
Dividends: Quarterly
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
180 Day
$0
2.70%
▲ 0.69% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 0.69% above avgNationally 2.67%
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 W 38th St, Austin, TX 78705
6 Months
$1,000
1.50%
▼ 0.51% below Texas avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▼ 0.51% below avgNationally 2.67%
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 W 38th St, Austin, TX 78705
Jumbo Certificates of Deposit - 6 Months
$90,000
1.50%
▼ 0.51% below Texas avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▼ 0.51% below avgNationally 2.67%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
6 month Standard Interest Rate
$2,500
0.06%
▼ 1.95% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▼ 1.95% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.96% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▼ 1.96% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
6 month Standard Interest Rate
$2,500
0.05%
▼ 1.96% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▼ 1.96% below avgNationally 2.67%
Details
Relationship Interest Rate 0.05%
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 3)
$99,000
4.20%
▲ 2.19% above Texas avg
▼
Rate4.11%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.19% above avgNationally 2.67%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 3)
$0
4.20%
▲ 2.19% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.19% above avgNationally 2.67%
Details
Balance: $99,000.00 or greater
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 Month CD Offer
$0
4.18%
▲ 2.17% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.17% above avgNationally 2.67%
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
6 Months
$0
4.18%
▲ 2.17% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.17% above avgNationally 2.67%
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
6 Months
$0
4.18%
▲ 2.17% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.17% above avgNationally 2.67%
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
6 Month CD
$0
4.16%
▲ 2.15% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.15% above avgNationally 2.67%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 2)
$0
4.10%
▲ 2.09% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.09% above avgNationally 2.67%
Details
Balance: $50,000.00- $98,999.99
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 2)
$0
4.10%
▲ 2.09% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.09% above avgNationally 2.67%
Details
Balance: $50,000.00- $98,999.99
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD
$1,000
4.07%
▲ 2.06% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
APY: Annual Percentage Yield. CD rates based upon in-house rates accurate as of June 22, 2026. A minimum daily balance of $1,000.00 must be maintained for 6-month IRA CD advertised at 4.07% APY. To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$250
4.07%
▲ 2.06% above Texas avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
Age: 0-17
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
4.07%
▲ 2.06% above Texas avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
6 Month
$0
4.07%
▲ 2.06% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
Austin 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 12 Month
$0
4.02%
▲ 1.61% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.61% above avgNationally 2.83%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Certificate
$0
4.00%
▲ 1.59% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.59% above avgNationally 2.83%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 12 Month
$0
4.00%
▲ 1.59% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.59% above avgNationally 2.83%
Details
$95,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 12 Month
$0
3.97%
▲ 1.56% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.56% above avgNationally 2.83%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 12 Month
$0
3.92%
▲ 1.51% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.51% above avgNationally 2.83%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
901 Mopac Expressway South Suite 100, Austin, TX 78746
12-Month CD
$0
3.85%
▲ 1.44% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.44% above avgNationally 2.83%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
12-Month Super Jumbo Certificate
$225,000
3.85%
▲ 1.44% above Texas avg
▼
Rate3.80%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.44% above avgNationally 2.83%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
12-Month Jumbo Certificate
$95,000
3.75%
▲ 1.34% above Texas avg
▼
Rate3.70%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.34% above avgNationally 2.83%
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
12 Month
$0
3.75%
▲ 1.34% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.34% above avgNationally 2.83%
Details
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3505 Montopolis Dr Bldg A, Austin, TX 78744
12 Month Regular/ IRA
$500
3.75%
▲ 1.34% above Texas avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.34% above avgNationally 2.83%
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
12 Month Certificate
$0
3.75%
▲ 1.34% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.34% above avgNationally 2.83%
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
12 Month Certificate
$0
3.75%
▲ 1.34% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.34% above avgNationally 2.83%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 12 Months
$0
3.75%
▲ 1.34% above Texas avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.34% above avgNationally 2.83%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 12 Months
$0
3.75%
▲ 1.34% above Texas avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.34% above avgNationally 2.83%
Details
JUMBO
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
12 month CD
$0
3.73%
▲ 1.32% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.32% above avgNationally 2.83%
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Certificate of Deposit - 12 Months
$1,000
3.73%
▲ 1.32% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.32% above avgNationally 2.83%
Details
Dividend Pay & Compound: Quarterly
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account 12 Months
$1,000
3.73%
▲ 1.32% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.32% above avgNationally 2.83%
Details
Dividend Pay & Compound: Quarterly
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate 12 month
$0
3.70%
▲ 1.29% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.29% above avgNationally 2.83%
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
CD 12 Months
$0
3.70%
▲ 1.29% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.29% above avgNationally 2.83%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 12 Months
$1,000
3.70%
▲ 1.29% above Texas avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.29% above avgNationally 2.83%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 12 Months
$1,000
3.70%
▲ 1.29% above Texas avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.29% above avgNationally 2.83%
Details
JUMBO $95,000+
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
12-Month Share Certificate
$1,000
3.65%
▲ 1.24% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.24% above avgNationally 2.83%
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
12 Month
$0
3.65%
▲ 1.24% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.24% above avgNationally 2.83%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.61%
▲ 1.20% above Texas avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.20% above avgNationally 2.83%
Details
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/1 Year Certificate
$0
3.60%
▲ 1.19% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.19% above avgNationally 2.83%
Details
Compounded Monthly
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
621 W Saint Johns Ave, Austin, TX 78752 2315
Share Certificates 1 Year Term
$0
3.60%
▲ 1.19% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.19% above avgNationally 2.83%
Details
Compounded Monthly
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
12 Month
$0
3.60%
▲ 1.19% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.19% above avgNationally 2.83%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.56%
▲ 1.15% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.15% above avgNationally 2.83%
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
1-Year
$0
3.54%
▲ 1.13% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.13% above avgNationally 2.83%
Details
Dividends: Quarterly
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.51%
▲ 1.10% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.10% above avgNationally 2.83%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
12 Month
$0
3.50%
▲ 1.09% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.09% above avgNationally 2.83%
Details
Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Balance: up to $20,000
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 12 Month
$0
3.50%
▲ 1.09% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.09% above avgNationally 2.83%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
1 YEAR CD
$0
3.34%
▲ 0.93% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 0.93% above avgNationally 2.83%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
1 YEAR CD
$0
3.24%
▲ 0.83% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 0.83% above avgNationally 2.83%
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
1-Year
$0
3.03%
▲ 0.62% above Texas avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 0.62% above avgNationally 2.83%
Details
Dividends: Quarterly
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
12 Month
$0
3.00%
▲ 0.59% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 0.59% above avgNationally 2.83%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
12 Month CD
$0
3.00%
▲ 0.59% above Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 0.59% above avgNationally 2.83%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
12 Month Standard IRA CD
$0
3.00%
▲ 0.59% above Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 0.59% above avgNationally 2.83%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 12 Month CD
$0
3.00%
▲ 0.59% above Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 0.59% above avgNationally 2.83%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
12 Month
$0
2.55%
▲ 0.14% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 0.14% above avgNationally 2.83%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
IRA CD - 12 Month Fixed
$0
2.55%
▲ 0.14% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 0.14% above avgNationally 2.83%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
1 year Standard Fixed Rate CD
$2,500
1.51%
▼ 0.90% below Texas avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▼ 0.90% below avgNationally 2.83%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
1 year Standard Interest Rate
$2,500
1.51%
▼ 0.90% below Texas avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▼ 0.90% below avgNationally 2.83%
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 0.91% below Texas avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▼ 0.91% below avgNationally 2.83%
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
605 W 15th St, Austin, TX 78701
1 year Standard Interest Rate
$2,500
1.50%
▼ 0.91% below Texas avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▼ 0.91% below avgNationally 2.83%
Details
Relationship Interest Rate 1.50%
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
12 Month
$0
0.25%
▼ 2.16% below Texas avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▼ 2.16% below avgNationally 2.83%
Details
Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Balance: over $20,000
Austin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
1900 Woodward St, Austin, TX 78741
Term Accounts 12 Month
$1,000
0.15%
▼ 2.26% below Texas avg
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▼ 2.26% below avgNationally 2.83%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
IRA CD - 12 Month Fixed
$0
0.03%
▼ 2.38% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▼ 2.38% below avgNationally 2.83%
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Months
$0
4.34%
▲ 1.93% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.93% above avgNationally 2.83%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 3)
$99,000
4.34%
▲ 1.93% above Texas avg
▼
Rate4.25%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.41%▲ 1.93% above avgNationally 2.83%
Details
Austin 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Super Jumbo Certificate
$225,000
4.01%
▲ 1.32% above Texas avg
▼
Rate3.95%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.32% above avgNationally 2.68%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Jumbo Certificate
$95,000
3.91%
▲ 1.22% above Texas avg
▼
Rate3.85%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.22% above avgNationally 2.68%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Share Certificate
$1,000
3.80%
▲ 1.11% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.11% above avgNationally 2.68%
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month Certificate
$0
3.80%
▲ 1.11% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.11% above avgNationally 2.68%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$0
3.80%
▲ 1.11% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.11% above avgNationally 2.68%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 18 Months
$0
3.80%
▲ 1.11% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.11% above avgNationally 2.68%
Details
JUMBO
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate 18 month
$0
3.75%
▲ 1.06% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.06% above avgNationally 2.68%
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month Certificate
$0
3.75%
▲ 1.06% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.06% above avgNationally 2.68%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month CD
$0
3.75%
▲ 1.06% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.06% above avgNationally 2.68%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month Standard IRA CD
$0
3.75%
▲ 1.06% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.06% above avgNationally 2.68%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 18 Month CD
$0
3.75%
▲ 1.06% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.06% above avgNationally 2.68%
Details
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3505 Montopolis Dr Bldg A, Austin, TX 78744
18 Month Regular/ IRA
$500
3.75%
▲ 1.06% above Texas avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.06% above avgNationally 2.68%
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
18 Month Certificate
$0
3.75%
▲ 1.06% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.06% above avgNationally 2.68%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$1,000
3.75%
▲ 1.06% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.06% above avgNationally 2.68%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 18 Months
$1,000
3.75%
▲ 1.06% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.06% above avgNationally 2.68%
Details
JUMBO $95,000+
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
901 Mopac Expressway South Suite 100, Austin, TX 78746
18-Month CD
$0
3.70%
▲ 1.01% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.01% above avgNationally 2.68%
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
18 Month IRA Certificate
$0
3.70%
▲ 1.01% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.01% above avgNationally 2.68%
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month Certificate
$0
3.69%
▲ 1.00% above Texas avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.00% above avgNationally 2.68%
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month Certificate
$0
3.65%
▲ 0.96% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.96% above avgNationally 2.68%
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
205 W Ben White Blvd, Austin, TX 78704 7154
SuperSaver Certificate 18 month
$1,000
3.65%
▲ 0.96% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.96% above avgNationally 2.68%
Details
APY assumes dividends are added back to the certificate. Penalty for early withdrawal may reduce earnings.
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
18 month CD
$0
3.65%
▲ 0.96% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.96% above avgNationally 2.68%
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Certificate of Deposit - 18 Months
$1,000
3.65%
▲ 0.96% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.96% above avgNationally 2.68%
Details
Dividend Pay & Compound: Quarterly
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account 18 Months
$1,000
3.65%
▲ 0.96% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.96% above avgNationally 2.68%
Details
Dividend Pay & Compound: Quarterly
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
18 Month Certificate
$0
3.65%
▲ 0.96% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.96% above avgNationally 2.68%
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
18 Month
$0
3.60%
▲ 0.91% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.91% above avgNationally 2.68%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
18 Month
$0
3.55%
▲ 0.86% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.86% above avgNationally 2.68%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 18 Month
$0
3.55%
▲ 0.86% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.86% above avgNationally 2.68%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Certificate
$0
3.50%
▲ 0.81% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.81% above avgNationally 2.68%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 18 Month
$0
3.50%
▲ 0.81% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.81% above avgNationally 2.68%
Details
$95,000
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
18 MONTH CD
$0
3.34%
▲ 0.65% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.65% above avgNationally 2.68%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
18 MONTH CD
$0
3.24%
▲ 0.55% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.55% above avgNationally 2.68%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.96%
▲ 0.27% above Texas avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.27% above avgNationally 2.68%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.91%
▲ 0.22% above Texas avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.22% above avgNationally 2.68%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.86%
▲ 0.17% above Texas avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 0.17% above avgNationally 2.68%
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 W 38th St, Austin, TX 78705
18 Months
$1,000
1.50%
▼ 1.19% below Texas avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▼ 1.19% below avgNationally 2.68%
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 W 38th St, Austin, TX 78705
Jumbo Certificates of Deposit - 18 Months
$90,000
1.50%
▼ 1.19% below Texas avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▼ 1.19% below avgNationally 2.68%
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 W 38th St, Austin, TX 78705
Jumbo IRA / SEPP 18 Months
$90,000
1.50%
▼ 1.19% below Texas avg
▼
Rate1.49%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▼ 1.19% below avgNationally 2.68%
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 W 38th St, Austin, TX 78705
Variable - 18 Months
$100
1.50%
▼ 1.19% below Texas avg
▼
Rate1.49%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▼ 1.19% below avgNationally 2.68%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
IRA CD - 18 Month Variable
$0
0.75%
▼ 1.94% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▼ 1.94% below avgNationally 2.68%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
IRA CD - 18 Month Variable
$0
0.03%
▼ 2.66% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▼ 2.66% below avgNationally 2.68%
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month CD
$0
4.30%
▲ 1.61% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.61% above avgNationally 2.68%
Details
APY as high as
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
18 Month
$1,000
4.15%
▲ 1.46% above Texas avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.46% above avgNationally 2.68%
Details
Compounded: Quarterly; Credited: Quarterly
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Business 18-Month Term Share Certificate
$1,000
4.10%
▲ 1.41% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.41% above avgNationally 2.68%
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Term Share Certificate
$1,000
4.07%
▲ 1.38% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.38% above avgNationally 2.68%
Details
Dividends Compounded Monthly Dividends Credited Monthly Renewal Automatic with 10-day grace period
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18-month Certificate
$1,000
4.05%
▲ 1.36% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.36% above avgNationally 2.68%
Details
Minimum to Avoid Service Charge: $0
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Months Add-On IRA
$0
4.03%
▲ 1.34% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.34% above avgNationally 2.68%
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 - 18 Months Flex Share Certificate Special
$0
4.00%
▲ 1.31% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.31% above avgNationally 2.68%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00%
▲ 1.31% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.31% above avgNationally 2.68%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95%
▲ 1.26% above Texas avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.26% above avgNationally 2.68%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95%
▲ 1.26% above Texas avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.69%▲ 1.26% above avgNationally 2.68%
Details
Austin 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Super Jumbo Certificate
$225,000
3.91%
▲ 1.04% above Texas avg
▼
Rate3.85%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 1.04% above avgNationally 2.71%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Jumbo Certificate
$95,000
3.80%
▲ 0.93% above Texas avg
▼
Rate3.75%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.93% above avgNationally 2.71%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$0
3.80%
▲ 0.93% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.93% above avgNationally 2.71%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 24 Months
$0
3.80%
▲ 0.93% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.93% above avgNationally 2.71%
Details
JUMBO
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Certificate
$0
3.75%
▲ 0.88% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.88% above avgNationally 2.71%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 24 Month
$0
3.75%
▲ 0.88% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.88% above avgNationally 2.71%
Details
$95,000
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$1,000
3.75%
▲ 0.88% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.88% above avgNationally 2.71%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 24 Months
$1,000
3.75%
▲ 0.88% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.88% above avgNationally 2.71%
Details
JUMBO $95,000+
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Share Certificate
$1,000
3.70%
▲ 0.83% above Texas avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.83% above avgNationally 2.71%
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate 24 month
$0
3.70%
▲ 0.83% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.83% above avgNationally 2.71%
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
24 Month Certificate
$0
3.70%
▲ 0.83% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.83% above avgNationally 2.71%
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
2 Year IRA Certificate
$0
3.70%
▲ 0.83% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.83% above avgNationally 2.71%
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
CD 24 Months
$0
3.65%
▲ 0.78% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.78% above avgNationally 2.71%
Details
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/2 Year Certificate
$0
3.65%
▲ 0.78% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.78% above avgNationally 2.71%
Details
Compounded Monthly
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
621 W Saint Johns Ave, Austin, TX 78752 2315
Share Certificates 2 Year Term
$0
3.65%
▲ 0.78% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.78% above avgNationally 2.71%
Details
Compounded Monthly
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
2 Year Certificate
$0
3.65%
▲ 0.78% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.78% above avgNationally 2.71%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
901 Mopac Expressway South Suite 100, Austin, TX 78746
24-Month CD
$0
3.60%
▲ 0.73% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.73% above avgNationally 2.71%
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
24 Month
$0
3.60%
▲ 0.73% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.73% above avgNationally 2.71%
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
24 month CD
$0
3.60%
▲ 0.73% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.73% above avgNationally 2.71%
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Certificate of Deposit - 24 Months
$1,000
3.60%
▲ 0.73% above Texas avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.73% above avgNationally 2.71%
Details
Dividend Pay & Compound: Quarterly
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account 24 Months
$1,000
3.60%
▲ 0.73% above Texas avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.73% above avgNationally 2.71%
Details
Dividend Pay & Compound: Quarterly
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
24 Month
$0
3.55%
▲ 0.68% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.68% above avgNationally 2.71%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 24 Month
$0
3.55%
▲ 0.68% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.68% above avgNationally 2.71%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
2-Year
$0
3.54%
▲ 0.67% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.67% above avgNationally 2.71%
Details
Dividends: Quarterly
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month CD
$0
3.51%
▲ 0.64% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.64% above avgNationally 2.71%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month Standard IRA CD
$0
3.51%
▲ 0.64% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.64% above avgNationally 2.71%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 24 Month CD
$0
3.51%
▲ 0.64% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.64% above avgNationally 2.71%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
24 Month Step-Up
$0
3.40%
▲ 0.53% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.53% above avgNationally 2.71%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 24 Month Step-Up
$0
3.40%
▲ 0.53% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.53% above avgNationally 2.71%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3505 Montopolis Dr Bldg A, Austin, TX 78744
24 Month Regular/ IRA
$500
3.25%
▲ 0.38% above Texas avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.38% above avgNationally 2.71%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
2 YEARS CD
$0
3.24%
▲ 0.37% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.37% above avgNationally 2.71%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
2 YEARS CD
$0
3.14%
▲ 0.27% above Texas avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.27% above avgNationally 2.71%
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
2-Year
$0
3.03%
▲ 0.16% above Texas avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.16% above avgNationally 2.71%
Details
Dividends: Quarterly
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
24 Month Share Certificate
$0
2.99%
▲ 0.12% above Texas avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.12% above avgNationally 2.71%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 24 Month
$0
2.99%
▲ 0.12% above Texas avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.12% above avgNationally 2.71%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
24 Month Share Certificate
$0
2.94%
▲ 0.07% above Texas avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.07% above avgNationally 2.71%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 24 Month
$0
2.94%
▲ 0.07% above Texas avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.07% above avgNationally 2.71%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
24 Month
$0
2.90%
▲ 0.03% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.03% above avgNationally 2.71%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
24 Month Share Certificate
$0
2.89%
▲ 0.02% above Texas avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.02% above avgNationally 2.71%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 24 Month
$0
2.89%
▲ 0.02% above Texas avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 0.02% above avgNationally 2.71%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
24 Month
$0
2.40%
▼ 0.47% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▼ 0.47% below avgNationally 2.71%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
IRA CD - 24 Month Fixed
$0
2.40%
▼ 0.47% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▼ 0.47% below avgNationally 2.71%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
IRA CD - 24 Month Fixed
$0
0.03%
▼ 2.84% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▼ 2.84% below avgNationally 2.71%
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
24 Months
$0
4.44%
▲ 1.57% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 1.57% above avgNationally 2.71%
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month CD
$0
4.30%
▲ 1.43% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 1.43% above avgNationally 2.71%
Details
APY as high as
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$90,000
4.28%
▲ 1.41% above Texas avg
▼
Rate4.20%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 1.41% above avgNationally 2.71%
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
24-month CD
$1,000
4.25%
▲ 1.38% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 1.38% above avgNationally 2.71%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
24 Month
$1,000
4.20%
▲ 1.33% above Texas avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 1.33% above avgNationally 2.71%
Details
Compounded: Quarterly; Credited: Quarterly
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 24 Months
$0
4.20%
▲ 1.33% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 1.33% above avgNationally 2.71%
Details
Callable CD
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$25,000
4.18%
▲ 1.31% above Texas avg
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average2.87%▲ 1.31% above avgNationally 2.71%
Details
Austin 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Super Jumbo Certificate
$225,000
3.96%
▲ 0.78% above Texas avg
▼
Rate3.90%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.78% above avgNationally 2.66%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Jumbo Certificate
$95,000
3.85%
▲ 0.67% above Texas avg
▼
Rate3.80%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.67% above avgNationally 2.66%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$0
3.80%
▲ 0.62% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.62% above avgNationally 2.66%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 36 Months
$0
3.80%
▲ 0.62% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.62% above avgNationally 2.66%
Details
JUMBO
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Share Certificate
$1,000
3.75%
▲ 0.57% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.57% above avgNationally 2.66%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Certificate
$0
3.75%
▲ 0.57% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.57% above avgNationally 2.66%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 36 Month
$0
3.75%
▲ 0.57% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.57% above avgNationally 2.66%
Details
$95,000
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$1,000
3.75%
▲ 0.57% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.57% above avgNationally 2.66%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 36 Months
$1,000
3.75%
▲ 0.57% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.57% above avgNationally 2.66%
Details
JUMBO $95,000+
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate 36 month
$0
3.70%
▲ 0.52% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.52% above avgNationally 2.66%
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
36 Month
$0
3.65%
▲ 0.47% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.47% above avgNationally 2.66%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
36 Month
$0
3.60%
▲ 0.42% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.42% above avgNationally 2.66%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 36 Month
$0
3.60%
▲ 0.42% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.42% above avgNationally 2.66%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
CD 36 Months
$0
3.60%
▲ 0.42% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.42% above avgNationally 2.66%
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
36 Month Certificate
$0
3.60%
▲ 0.42% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.42% above avgNationally 2.66%
Details
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/3 Year Certificate
$0
3.55%
▲ 0.37% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.37% above avgNationally 2.66%
Details
Compounded Monthly
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
621 W Saint Johns Ave, Austin, TX 78752 2315
Share Certificates 3 Year Term
$0
3.55%
▲ 0.37% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.37% above avgNationally 2.66%
Details
Compounded Monthly
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
3 Year IRA Certificate
$0
3.55%
▲ 0.37% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.37% above avgNationally 2.66%
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
3 Year Certificate
$0
3.50%
▲ 0.32% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.32% above avgNationally 2.66%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
901 Mopac Expressway South Suite 100, Austin, TX 78746
36-Month CD
$0
3.40%
▲ 0.22% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.22% above avgNationally 2.66%
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Certificate of Deposit - 36 Months
$1,000
3.30%
▲ 0.12% above Texas avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.12% above avgNationally 2.66%
Details
Dividend Pay & Compound: Quarterly
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account 36 Months
$1,000
3.30%
▲ 0.12% above Texas avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.12% above avgNationally 2.66%
Details
Dividend Pay & Compound: Quarterly
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
3-Year
$0
3.29%
▲ 0.11% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.11% above avgNationally 2.66%
Details
Dividends: Quarterly
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month CD
$0
3.25%
▲ 0.07% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.07% above avgNationally 2.66%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month Standard IRA CD
$0
3.25%
▲ 0.07% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.07% above avgNationally 2.66%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 36 Month CD
$0
3.25%
▲ 0.07% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.07% above avgNationally 2.66%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
3 YEARS CD
$0
3.19%
▲ 0.01% above Texas avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.01% above avgNationally 2.66%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
3 YEARS CD
$0
3.09%
▼ 0.09% below Texas avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.09% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
3.04%
▼ 0.14% below Texas avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.14% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 36 Month
$0
3.04%
▼ 0.14% below Texas avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.14% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
2.99%
▼ 0.19% below Texas avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.19% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 36 Month
$0
2.99%
▼ 0.19% below Texas avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.19% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
2.94%
▼ 0.24% below Texas avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.24% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 36 Month
$0
2.94%
▼ 0.24% below Texas avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.24% below avgNationally 2.66%
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
3-Year
$0
2.78%
▼ 0.40% below Texas avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.40% below avgNationally 2.66%
Details
Dividends: Quarterly
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
36 Months
$0
4.49%
▲ 1.31% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 1.31% above avgNationally 2.66%
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month CD
$0
4.40%
▲ 1.22% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 1.22% above avgNationally 2.66%
Details
APY as high as
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$90,000
4.18%
▲ 1.00% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 1.00% above avgNationally 2.66%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 36 Months / 3 Years
$0
4.15%
▲ 0.97% above Texas avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.97% above avgNationally 2.66%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
36 Month
$1,000
4.10%
▲ 0.92% above Texas avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.92% above avgNationally 2.66%
Details
Compounded: Quarterly; Credited: Quarterly
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10%
▲ 0.92% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.92% above avgNationally 2.66%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$25,000
4.07%
▲ 0.89% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.89% above avgNationally 2.66%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$95,000
4.07%
▲ 0.89% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.89% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05%
▲ 0.87% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.87% above avgNationally 2.66%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
3 Years
$10,000
4.00%
▲ 0.82% above Texas avg
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.82% above avgNationally 2.66%
Details
Compounded: Daily, Credited: At Maturity
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 36 Months
$0
4.00%
▲ 0.82% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.82% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00%
▲ 0.82% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.82% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00%
▲ 0.82% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.82% above avgNationally 2.66%
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
2 to 3 Years
$1,000
4.00%
▲ 0.82% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.82% above avgNationally 2.66%
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 2 to 3 Years
$1,000
4.00%
▲ 0.82% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.82% above avgNationally 2.66%
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Austin 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Super Jumbo Certificate
$225,000
4.01%
▲ 0.83% above Texas avg
▼
Rate3.95%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.83% above avgNationally 2.66%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Jumbo Certificate
$95,000
3.91%
▲ 0.73% above Texas avg
▼
Rate3.85%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.73% above avgNationally 2.66%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Share Certificate
$1,000
3.80%
▲ 0.62% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.62% above avgNationally 2.66%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$0
3.80%
▲ 0.62% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.62% above avgNationally 2.66%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 48 Months
$0
3.80%
▲ 0.62% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.62% above avgNationally 2.66%
Details
JUMBO
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Certificate
$0
3.75%
▲ 0.57% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.57% above avgNationally 2.66%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 48 Month
$0
3.75%
▲ 0.57% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.57% above avgNationally 2.66%
Details
$95,000
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$1,000
3.75%
▲ 0.57% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.57% above avgNationally 2.66%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 48 Months
$1,000
3.75%
▲ 0.57% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.57% above avgNationally 2.66%
Details
JUMBO $95,000+
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
48 Month
$0
3.70%
▲ 0.52% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.52% above avgNationally 2.66%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 48 Month
$0
3.70%
▲ 0.52% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.52% above avgNationally 2.66%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate 48 month
$0
3.70%
▲ 0.52% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.52% above avgNationally 2.66%
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
48 Month
$0
3.70%
▲ 0.52% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.52% above avgNationally 2.66%
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
4 Year IRA Certificate
$0
3.60%
▲ 0.42% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.42% above avgNationally 2.66%
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
306 E 10th St, Austin, TX 78701
CD 48 Months
$0
3.55%
▲ 0.37% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.37% above avgNationally 2.66%
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
48 Month Certificate
$0
3.55%
▲ 0.37% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.37% above avgNationally 2.66%
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
4 Year Certificate
$0
3.55%
▲ 0.37% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.37% above avgNationally 2.66%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
901 Mopac Expressway South Suite 100, Austin, TX 78746
48-Month CD
$0
3.35%
▲ 0.17% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.17% above avgNationally 2.66%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
4 YEARS CD
$0
3.29%
▲ 0.11% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.11% above avgNationally 2.66%
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Certificate of Deposit - 48 Months
$1,000
3.20%
▲ 0.02% above Texas avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.02% above avgNationally 2.66%
Details
Dividend Pay & Compound: Quarterly
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account 48 Months
$1,000
3.20%
▲ 0.02% above Texas avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.02% above avgNationally 2.66%
Details
Dividend Pay & Compound: Quarterly
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
4 YEARS CD
$0
3.19%
▲ 0.01% above Texas avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.01% above avgNationally 2.66%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month CD
$0
2.75%
▼ 0.43% below Texas avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.43% below avgNationally 2.66%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month Standard IRA CD
$0
2.75%
▼ 0.43% below Texas avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.43% below avgNationally 2.66%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 48 Month CD
$0
2.75%
▼ 0.43% below Texas avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.43% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.43%
▼ 0.75% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.75% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 48 Month
$0
2.43%
▼ 0.75% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.75% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.38%
▼ 0.80% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.80% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 48 Month
$0
2.38%
▼ 0.80% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.80% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.32%
▼ 0.86% below Texas avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.86% below avgNationally 2.66%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 48 Month
$0
2.32%
▼ 0.86% below Texas avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▼ 0.86% below avgNationally 2.66%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$90,000
4.18%
▲ 1.00% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 1.00% above avgNationally 2.66%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
48 Month
$1,000
4.15%
▲ 0.97% above Texas avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.97% above avgNationally 2.66%
Details
Compounded: Quarterly; Credited: Quarterly
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 48 Months / 4 Years
$0
4.15%
▲ 0.97% above Texas avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.97% above avgNationally 2.66%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$25,000
4.07%
▲ 0.89% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.89% above avgNationally 2.66%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 48 Months
$0
4.00%
▲ 0.82% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.82% above avgNationally 2.66%
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
3 to 4 Years
$1,000
4.00%
▲ 0.82% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.82% above avgNationally 2.66%
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 3 to 4 Years
$1,000
4.00%
▲ 0.82% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.82% above avgNationally 2.66%
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$1,000
3.97%
▲ 0.79% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.79% above avgNationally 2.66%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$100,001
3.97%
▲ 0.79% above Texas avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.79% above avgNationally 2.66%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
4 Year
$0
3.97%
▲ 0.79% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.79% above avgNationally 2.66%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$50,001
3.92%
▲ 0.74% above Texas avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.74% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.90%
▲ 0.72% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.72% above avgNationally 2.66%
Details
Balance: $500,000.01 or greater
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.90%
▲ 0.72% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.72% above avgNationally 2.66%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$1,000
3.87%
▲ 0.69% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.69% above avgNationally 2.66%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$100,001
3.87%
▲ 0.69% above Texas avg
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.69% above avgNationally 2.66%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates - 4 Year
$0
3.87%
▲ 0.69% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.69% above avgNationally 2.66%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 4 Year
$0
3.87%
▲ 0.69% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.69% above avgNationally 2.66%
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 48 Months
$0
3.86%
▲ 0.68% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.68% above avgNationally 2.66%
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.85%
▲ 0.67% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.18%▲ 0.67% above avgNationally 2.66%
Details
Balance: $100,000.01 - $500,000.00
Austin 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Super Jumbo Certificate
$225,000
4.06%
▲ 0.86% above Texas avg
▼
Rate4.00%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.86% above avgNationally 2.76%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$0
4.00%
▲ 0.80% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.76%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 60 Months
$0
4.00%
▲ 0.80% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.76%
Details
JUMBO
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Jumbo Certificate
$95,000
3.96%
▲ 0.76% above Texas avg
▼
Rate3.90%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.76% above avgNationally 2.76%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$1,000
3.90%
▲ 0.70% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.70% above avgNationally 2.76%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
Term Share Certificates/Certificates of Deposit - 60 Months
$1,000
3.90%
▲ 0.70% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.70% above avgNationally 2.76%
Details
JUMBO $95,000+
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Share Certificate
$1,000
3.85%
▲ 0.65% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.65% above avgNationally 2.76%
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate 60 month
$0
3.75%
▲ 0.55% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.76%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Certificate
$0
3.75%
▲ 0.55% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.76%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Jumbo Certificates or more) - 60 Month
$0
3.75%
▲ 0.55% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.76%
Details
$95,000
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
60 Month
$0
3.70%
▲ 0.50% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.50% above avgNationally 2.76%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Business 60 Month
$0
3.70%
▲ 0.50% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.50% above avgNationally 2.76%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
114 E huntland dr, austin, TX 78752
60 month
$0
3.65%
▲ 0.45% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.45% above avgNationally 2.76%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
5 YEARS CD
$0
3.55%
▲ 0.35% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.35% above avgNationally 2.76%
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX 78758
60 Month Certificate
$0
3.50%
▲ 0.30% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.30% above avgNationally 2.76%
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
5 Year IRA Certificate
$0
3.50%
▲ 0.30% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.30% above avgNationally 2.76%
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
705 E 12th St, Austin, TX 78701 1909
5 Year Certificate
$0
3.45%
▲ 0.25% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.25% above avgNationally 2.76%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
2.5 YEARS CD
$0
3.44%
▲ 0.24% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.24% above avgNationally 2.76%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
5 YEARS CD
$0
3.44%
▲ 0.24% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.24% above avgNationally 2.76%
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
2.5 YEARS CD
$0
3.34%
▲ 0.14% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.14% above avgNationally 2.76%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
901 Mopac Expressway South Suite 100, Austin, TX 78746
60-Month CD
$0
3.25%
▲ 0.05% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.05% above avgNationally 2.76%
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Certificate of Deposit - 60 Months
$1,000
3.10%
▼ 0.10% below Texas avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.10% below avgNationally 2.76%
Details
Dividend Pay & Compound: Quarterly
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account 60 Months
$1,000
3.10%
▼ 0.10% below Texas avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.10% below avgNationally 2.76%
Details
Dividend Pay & Compound: Quarterly
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month CD
$0
2.50%
▼ 0.70% below Texas avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.70% below avgNationally 2.76%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month Standard IRA CD
$0
2.50%
▼ 0.70% below Texas avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.70% below avgNationally 2.76%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 60 Month CD
$0
2.50%
▼ 0.70% below Texas avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.70% below avgNationally 2.76%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.48%
▼ 0.72% below Texas avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.72% below avgNationally 2.76%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 60 Month
$0
2.48%
▼ 0.72% below Texas avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.72% below avgNationally 2.76%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.43%
▼ 0.77% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.77% below avgNationally 2.76%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 60 Month
$0
2.43%
▼ 0.77% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.77% below avgNationally 2.76%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.38%
▼ 0.82% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.82% below avgNationally 2.76%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate 60 Month
$0
2.38%
▼ 0.82% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▼ 0.82% below avgNationally 2.76%
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 60 Months
$0
4.50%
▲ 1.30% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 1.30% above avgNationally 2.76%
Details
Callable CD
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
60 Month
$1,000
4.20%
▲ 1.00% above Texas avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 1.00% above avgNationally 2.76%
Details
Compounded: Quarterly; Credited: Quarterly
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$90,000
4.18%
▲ 0.98% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.98% above avgNationally 2.76%
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 60 Months
$0
4.11%
▲ 0.91% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.91% above avgNationally 2.76%
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.10%
▲ 0.90% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.90% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month IRA Special
$0
4.10%
▲ 0.90% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.90% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Jumbo
$100,000
4.10%
▲ 0.90% above Texas avg
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.90% above avgNationally 2.76%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$25,000
4.07%
▲ 0.87% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.87% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05%
▲ 0.85% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.85% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$50,000
4.05%
▲ 0.85% above Texas avg
▼
Rate3.98%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.85% above avgNationally 2.76%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month IRA Share CD
$0
4.02%
▲ 0.82% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.82% above avgNationally 2.76%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jumbo Share CD
$0
4.02%
▲ 0.82% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.82% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
4.00%
▲ 0.80% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.76%
Details
Balance: $500,000.01 or greater
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
4.00%
▲ 0.80% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month Tier
$0
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier
$1,000
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.76%
Details
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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.
Austin, TX CD Rate Trends
Compare local Austin, 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
2.414%
▲ 0.092 vs 7 days ago
Texas 12-month CD rates rose 0.092 points over the past 7 days to 2.414% APY.
6-Month CD — TX Avg
2.013%
▲ 0.123 vs 7 days ago
Texas 6-month CD rates rose 0.123 points over the past 7 days to 2.013% APY.
As of Sep 1, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.414%
6-Month Forecast
2.414%
Range: 2.21% – 2.56%
12-Month Forecast
2.164%
Range: 1.96% – 2.31%
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 | 1.442% | $72.08 | $144.15 | $360.38 | $720.75 |
| 6-Month CD | 2.013% | $100.64 | $201.28 | $503.20 | $1,006.40 |
| 12-Month CD | 2.414% | $120.68 | $241.37 | $603.43 | $1,206.85 |
| 18-Month CD | 2.690% | $134.50 | $268.99 | $672.48 | $1,344.95 |
| 24-Month CD | 2.872% | $143.60 | $287.20 | $718.00 | $1,436.00 |
| 36-Month CD | 3.181% | $159.05 | $318.10 | $795.25 | $1,590.50 |
| 48-Month CD | 3.175% | $158.76 | $317.51 | $793.78 | $1,587.55 |
| 60-Month CD | 3.203% | $160.14 | $320.28 | $800.70 | $1,601.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 31, 2026. | |||||
Sample CD Ladder for Austin, 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 | 1.442% | $72.08 |
| 2 | 6-Month CD | $5,000 | 2.013% | $100.64 |
| 3 | 12-Month CD | $5,000 | 2.414% | $120.68 |
| 4 | 24-Month CD | $5,000 | 2.872% | $143.60 |
| 5 | 36-Month CD | $5,000 | 3.181% | $159.05 |
| Total ($25,000 invested) | $25,000 | 2.384% blended | $596.05/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.
1,867
CD Rates
Tracked in Austin, Texas
Tracked in Austin, Texas
39 Banks
94 Credit Unions
About Our Austin, Texas CD Rate Database
MonitorBankRates tracks 1,867 CD rates from 39 banks and 94 credit unions with locations in Austin, 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: Austin Telco Federal Credit Union offers a CD at 4.06% APY with a minimum deposit of $225,000. Use the rate table above to compare all current offers in Austin, Texas.
How to Find the Best CD Rates in Austin, Texas
What to compare when shopping for a CD in Austin, Texas
To find the best APYs in Austin, Texas, start with credit unions and online-only banks — Austin, Texas has 94 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 Austin, 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 Austin, Texas — 133 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Austin, Texas savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Austin, Texas money market rates
Austin, Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
10.4%
National avg: 17.3%
Median Individual Earnings
$54,283
National avg: $47,340
Poverty Rate
12.0%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$131/yr
At TX 12-mo avg 2.414% APY
10.4% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.414%, saving 10% of the local median salary ($5,428/year) and putting it in a CD would earn an additional $131 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 Austin, 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 Austin, 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 Austin, 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 Austin, Texas as everywhere in the U.S.
Choosing a CD Term in Austin, 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 Austin, Texas savers easier access to their funds. For example, LCRA Credit Union is offering its 6 Month Regular/ IRA at 3.95% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Austin Telco Federal Credit Union is offering its 60-Month Super Jumbo Certificate at 4.06% 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 Austin, 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 Austin, 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 Austin, 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 Austin, 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 Austin, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Austin, 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 Austin, Texas
Are CD rates in Austin, Texas FDIC insured?
Yes, most established banks in Austin, 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 Austin, 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 Austin, 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 Austin, 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 Austin, Texas?
Here are recent top rates found for this area:
- Austin Telco Federal Credit Union: 4.06% APY (60-Month Super Jumbo Certificate)
- Nizari Progressive Federal Credit Union: 4.02% APY (IRA Share Certificate 12 Month)
- Technology Credit Union: 4.00% APY (12 Month Certificate)
- GREATER TEXAS: 4.00% APY (IRA Term Share Accounts/Certificates of Deposit - 60 Months)
- LCRA Credit Union: 3.95% APY (6 Month Regular/ IRA)
- Susser Bank: 3.90% APY (6-Month CD)
- Randolph Brooks FCU: 3.80% APY (18 Month Certificate)
- A+ Federal Credit Union: 3.75% APY (IRA Certificate 18 month)
- Members Choice Credit Union: 3.75% APY (18 Month CD)
- Star Of Texas Credit Union: 3.75% APY (12 Month)
Rates reflect recent verified offers available in Austin, Texas. Last Updated: August 31, 2026
Austin, Texas CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Austin, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Austin, Texas
Austin, Texas CD Calculator
At today’s TX top rate of 4.06% APY, a $10,000 deposit earns $406 in the first year. Enter your amount to see your exact return.
Austin, Texas CD LadderTX CD rates currently range from 1.442% (3-month) to 3.181% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Austin, Texas CD at 4.06% 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 2.414% 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 Austin, 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 Austin, 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 Austin, 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: August 31, 2026
Austin, Texas Rates & Resources
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