Austin, Texas Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Austin, Texas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 19, 2026. Current Austin, Texas CD rates include A+ Federal Credit UnionA+ Federal Credit Union1402 W Stassney LN, Austin, TX 78745 2948A5.0 ★Texas Ratio: 11.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month StartUP Share Certificate at 5.00% APY, Austin Capital BankAustin Capital Bank3305 Steck Ave Ste 275, Austin, TX 78757A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Austin Telco Federal Credit UnionAustin Telco Federal Credit Union8929 Shoal Creek Blvd, Austin, TX 78757A+5.0 ★Texas Ratio: 1.81%Real return: +1.62%APY minus CPI (February 2026) offering 60-Month Super Jumbo Certificate at 4.42% APY, GREATER TEXASGREATER TEXAS12319 N Mopac Expy, Austin, TX 78758A+5.0 ★Texas Ratio: 5.54%Real return: +1.55%APY minus CPI (February 2026) offering 60 Month Term Share Certificate at 4.35% APY, and Bask BankBask Bank98 San Jacinto Blvd, Austin, TX 78701A+5.0 ★Texas Ratio: 3.64%Real return: +1.55%APY minus CPI (February 2026) offering Bask 12-month CD at 4.35% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Austin has 516 local institutions in our database, with CD rates as high as 5.00% APY from A+ Federal Credit Union at 1402 W Stassney LN, Austin, TX 78745 2948. 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 19, 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
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month CD
$1,000
4.58%
▲ 2.07% above Texas avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.51%▲ 2.07% above avgNationally 2.12%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
Momentum Share Certificate - 3 Month Special
$0
4.13%
▲ 1.62% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.62% above avgNationally 2.12%
Details
Balance: $1000.00 - $49,999.99
Rate History
No change since Oct 15, 2026 · 4.13% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Certificate of Deposit
$0
4.00%
▲ 1.49% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.49% above avgNationally 2.12%
Details
Balance: $500,000.00 and over; $500,000+ jumbo tier
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Frost Business Certificate of Deposit
$1,000
4.00%
▲ 1.49% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.49% above avgNationally 2.12%
Details
Balance: $500,000 and over; Promotional rate for new CDs opened during the promotion; CDs opened prior to 5/1/2023 that renew during the promotion are not eligible; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Jumbo CD
$0
4.00%
▲ 1.49% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.49% above avgNationally 2.12%
Details
Visit a Frost financial center for CDs of $500,000 and over; APY effective as of 10/14/2026; Frost CDs may be used for Traditional and Roth IRAs
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
90 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.29% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.29% above avgNationally 2.12%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Star Certificate of Deposit - 90 Days
$1,000
3.80%
▲ 1.29% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.29% above avgNationally 2.12%
Details
Open Account
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
Certificates of Deposit (CD) - 3-Month
$0
3.75%
▲ 1.24% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.24% above avgNationally 2.12%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
14028 N Highway 183, Austin, TX 78717
3 Month WooriWON Certificate of Deposit (CD)
$1,000
3.70%
▲ 1.19% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.19% above avgNationally 2.12%
Details
Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Certificate of Deposit
$0
3.65%
▲ 1.14% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.14% above avgNationally 2.12%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
- Oct 2, 20263.65%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Frost Business Certificate of Deposit
$1,000
3.65%
▲ 1.14% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.14% above avgNationally 2.12%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.65% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Liquid Certificate - 3 Month
$95,000
3.65%
▲ 1.14% above Texas avg
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.14% above avgNationally 2.12%
Details
Effective Date: 09/01/2026; Requires $95,000 of New-to-Tech CU money; $95,000 must be maintained to earn APY
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Liquid Certificate - 3 Month
$1,000
3.65%
▲ 1.14% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.14% above avgNationally 2.12%
Details
Effective Date: 09/01/2026; APY available on minimum $1,000 of new-to-Tech CU money; penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Business Certificate
$0
3.50%
▲ 0.99% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.99% above avgNationally 2.12%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Jumbo Certificates
$0
3.50%
▲ 0.99% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.99% above avgNationally 2.12%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.50%
▲ 0.99% above Texas avg
▼
Rate3.46%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.99% above avgNationally 2.12%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates - 3 Month
$1,000
3.50%
▲ 0.99% above Texas avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.99% above avgNationally 2.12%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Certificate of Deposit
$0
3.30%
▲ 0.79% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.79% above avgNationally 2.12%
Details
Balance: $1,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Oct 2, 20263.30%▲ from 3.20%
- Sep 27, 20263.20%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
90 Day Frost Business Certificate of Deposit
$1,000
3.30%
▲ 0.79% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.79% above avgNationally 2.12%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.30% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Business Fixed Rate Certificates - 3 Month
$0
3.25%
▲ 0.74% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.74% above avgNationally 2.12%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate - 3 Month
$0
3.25%
▲ 0.74% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.74% above avgNationally 2.12%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
319 W Slaughter Ln, Austin, TX 78748
90 Day Certificate of Deposit
$1,000
3.25%
▲ 0.74% above Texas avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.74% above avgNationally 2.12%
Details
Rates effective as of 7/2/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
3 Month Certificate of Deposit
$0
3.25%
▲ 0.74% above Texas avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.74% above avgNationally 2.12%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 14, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
3 Month Jumbo CD
$90,000
3.05%
▲ 0.54% above Texas avg
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.54% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 7 times
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
3 Month CD
$100,000
3.03%
▲ 0.52% above Texas avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.52% above avgNationally 2.12%
Details
Certificates of Deposit ($100,000 or above); Must maintain a minimum balance of $100,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 8 times
Travis County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX 78702 1901
3 Month Share Certificate
$1,000
3.00%
▲ 0.49% above Texas avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▲ 0.49% above avgNationally 2.12%
Details
Maximum Deposit $250,000
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
3 Month Certificate
$1,000
3.00%
▲ 0.49% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▲ 0.49% above avgNationally 2.12%
Details
Balance: $1,000.00 or greater; Share Certificate; Membership required; New money eligible for promotional rate
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
3 Month IRA Certificate
$1,000
3.00%
▲ 0.49% above Texas avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▲ 0.49% above avgNationally 2.12%
Details
IRA Share Certificate; Balance: $1,000.00 or Greater; Terms of less than 12 months lose 90 days' interest on early withdrawal
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
3 Month Fixed-Rate Certificate of Deposit
$1,000
2.51%
At Texas avg
▼
Rate2.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%At the averageNationally 2.12%
Details
Effective 10/13/2026; Dividend Pay & Compound: N/A; Three month CDs are not compounded, dividends credited at maturity
Rate History
1 change since Sep 14, 2026 · 0.60% → 2.51% ▲ 1.91 pts · high 2.51% / low 0.60%
- Sep 27, 20262.51%▲ from 0.60%
- Sep 14, 20260.60%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Certificate of Deposit - 3 Months
$1,000
2.51%
At Texas avg
▼
Rate2.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%At the averageNationally 2.12%
Details
Dividend Pay & Compound: N/A (not compounded; dividends credited at maturity); Membership/Regular Savings account required; Early withdrawal subject to loss of dividends
Rate History
1 change since Sep 14, 2026 · 0.60% → 2.51% ▲ 1.91 pts · high 2.51% / low 0.60%
- Oct 14, 20262.51%▲ from 0.60%
- Sep 14, 20260.60%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
3 Month Short Term Certificate
$1,000
2.50%
▼ 0.01% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 0.01% below avgNationally 2.12%
Details
Dividends: Monthly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 1.00% → 2.50% ▲ 1.50 pts · high 2.50% / low 1.00%
- Oct 10, 20262.50%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
3-Month Certificate
$0
2.27%
▼ 0.24% below Texas avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▼ 0.24% below avgNationally 2.12%
Details
Balance: $50,000+; Dividends: Quarterly; Certificates (includes IRA)
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
Certificate of Deposit 3 Month
$500
2.00%
▼ 0.51% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 0.51% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
3-Month Certificate
$0
1.76%
▼ 0.75% below Texas avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▼ 0.75% below avgNationally 2.12%
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly; Certificates (includes IRA)
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 8 times
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
3 Month Standard CD
$1,000
1.50%
▼ 1.01% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 1.01% below avgNationally 2.12%
Details
Rate History
1 change since Sep 18, 2026 · 2.85% → 1.50% ▼ 1.35 pts · high 2.85% / low 1.50%
- Sep 27, 20261.50%▼ from 2.85%
- Sep 18, 20262.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
3 Month Term Share Certificate
$0
1.00%
▼ 1.51% below Texas avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 1.51% below avgNationally 2.12%
Details
Standard tier ($1,000 minimum); Compounded daily, paid monthly
Rate History
1 change since Sep 18, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
- Oct 10, 20261.00%▲ from 0.75%
- Sep 18, 20260.75%first recorded
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.10%
▼ 2.41% below Texas avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.41% below avgNationally 2.12%
Details
Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 2.41% below Texas avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.41% below avgNationally 2.12%
Details
Balance: $90,000 and over; Renewal Term: 3 Months
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
605 W 15th St, Austin, TX 78701
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.45% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.45% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
605 W 15th St, Austin, TX 78701
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.46% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.46% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2110 Boca Raton Dr, Austin, TX 78747
3 Month CD
$1,000
0.05%
▼ 2.46% below Texas avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▼ 2.46% below avgNationally 2.12%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.05%
▼ 2.46% below Texas avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.46% below avgNationally 2.12%
Details
Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3800 N Lamar Blvd, Austin, TX 78756
3 Month Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.46% below Texas avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.46% below avgNationally 2.12%
Details
Balance: $1,000 - $89,999; Renewal Term: 3 Months
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
3 Month Certificate of Deposit
$0
0.03%
▼ 2.48% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.48% below avgNationally 2.12%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
3 Month Certificate of Deposit
$0
0.02%
▼ 2.49% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.49% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
3 Month Certificate of Deposit
$0
0.01%
▼ 2.50% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.50% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificates of Deposit
$0
4.44%
▲ 1.93% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.93% above avgNationally 2.12%
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Oct 14, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Standard CD - 90 Days
$1,000
4.39%
▲ 1.88% above Texas avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.88% above avgNationally 2.12%
Details
Balance: $1,000 - $249,999.99
Rate History
No change since Oct 14, 2026 · 4.39% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.30%
▲ 1.79% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▲ 1.79% above avgNationally 2.12%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates
$250,001
4.23%
▲ 1.72% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.72% above avgNationally 2.12%
Details
Balance: $250,001 and over
Rate History
No change since Oct 15, 2026 · 4.23% APY
Austin 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
6 Month CD
$1,000
4.30%
▲ 1.03% above Texas avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 1.03% above avgNationally 2.79%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Super Jumbo Certificate
$0
4.11%
▲ 0.84% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.84% above avgNationally 2.79%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.11% ▲ 0.26 pts · high 4.11% / low 3.85%
- Oct 4, 20264.11%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Jumbo Certificate
$0
4.01%
▲ 0.74% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.74% above avgNationally 2.79%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.01% APY · checked 4 times
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
6 Month Certificate of Deposit
$1,000
4.00%
▲ 0.73% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.79%
Details
Interest rates stated in annual percentage yield; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 2, 20264.00%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
Certificate of Deposit - 6 Months
$0
4.00%
▲ 0.73% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.79%
Details
Balance: Over $1 Million
Rate History
2 changes since Sep 14, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
- Oct 2, 20264.00%▲ from 3.60%
- Sep 18, 20263.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3505 Montopolis Dr Bldg A, Austin, TX 78744
6 Month Term Certificate - Regular/IRA
$500
3.95%
▲ 0.68% above Texas avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▲ 0.68% above avgNationally 2.79%
Details
Interest compounded monthly, credited monthly; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 6 Month
$0
3.92%
▲ 0.65% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.65% above avgNationally 2.79%
Details
Balance: $100,000 & Over
Rate History
2 changes since Sep 14, 2026 · 3.92% → 3.92% ▼ 0.00 pts · high 3.92% / low 3.92%
- Oct 15, 20263.92%▼ from 3.92%
- Oct 13, 20263.92%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
6-Month Share Certificate
$0
3.91%
▲ 0.64% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.64% above avgNationally 2.79%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 3.91% APY · checked 4 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
Certificates of Deposit (CD) - 6-Month
$0
3.90%
▲ 0.63% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.63% above avgNationally 2.79%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
6 Month Certificate of Deposit
$0
3.90%
▲ 0.63% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.63% above avgNationally 2.79%
Details
Rate History
1 change since Sep 18, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Oct 14, 20263.90%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Bask 6-month CD
$1,000
3.90%
▲ 0.63% above Texas avg
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.63% above avgNationally 2.79%
Details
Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Certificate of Deposit - 6 Months
$1,000
3.90%
▲ 0.63% above Texas avg
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.63% above avgNationally 2.79%
Details
Open Account
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 6 Month
$0
3.87%
▲ 0.60% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.60% above avgNationally 2.79%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.87% → 3.87% ▼ 0.00 pts · high 3.87% / low 3.87%
- Oct 15, 20263.87%▼ from 3.87%
- Oct 13, 20263.87%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 6 Month
$0
3.82%
▲ 0.55% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.55% above avgNationally 2.79%
Details
Balance: $1000 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 3.82% → 3.82% ▼ 0.00 pts · high 3.82% / low 3.82%
- Oct 15, 20263.82%▼ from 3.82%
- Oct 13, 20263.82%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
180 Day Star Certificate of Deposit
$1,000
3.80%
▲ 0.53% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.53% above avgNationally 2.79%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Star Certificate of Deposit - 180 Days
$1,000
3.80%
▲ 0.53% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.53% above avgNationally 2.79%
Details
Open Account
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 7 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
14028 N Highway 183, Austin, TX 78717
6 Month WooriWON Certificate of Deposit (CD)
$1,000
3.75%
▲ 0.48% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.79%
Details
Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
6 Month Term Share Certificate
$0
3.75%
▲ 0.48% above Texas avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.79%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 10, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.48% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.79%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Business Fixed Rate Certificates - 6 Month
$0
3.70%
▲ 0.43% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.79%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate - 6 Month
$0
3.70%
▲ 0.43% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.79%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 6 Month
$0
3.70%
▲ 0.43% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.79%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
3001 Palm Way, Austin, TX 78758
6-month CD
$50,000
3.65%
▲ 0.38% above Texas avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.79%
Details
Balance: $50,000 - $250,000 New Money; Open now or in branch; Take advantage of our highest CD rate
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 4 times
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
6 Month CD
$100,000
3.65%
▲ 0.38% above Texas avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.79%
Details
Certificates of Deposit ($100,000 or above); Must maintain a minimum balance of $100,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
319 W Slaughter Ln, Austin, TX 78748
180 Day Certificate of Deposit
$1,000
3.65%
▲ 0.38% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.79%
Details
Rates effective as of 7/2/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
6 Month Certificate
$1,000
3.65%
▲ 0.38% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.79%
Details
Balance: $1,000.00 or greater; Share Certificate; Membership required; New money eligible for promotional rate
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
6 Month IRA Certificate
$1,000
3.65%
▲ 0.38% above Texas avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.79%
Details
IRA Share Certificate; Balance: $1,000.00 or Greater; Terms of less than 12 months lose 90 days' interest on early withdrawal
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
6 Month Fixed-Rate Certificate of Deposit
$1,000
3.65%
▲ 0.38% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.79%
Details
Effective 10/13/2026; Dividend Pay & Compound: Quarterly
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
- Sep 18, 20263.65%▲ from 3.25%
- Sep 14, 20263.25%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Certificate of Deposit - 6 Months
$1,000
3.65%
▲ 0.38% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.79%
Details
Dividend Pay & Compound: Quarterly; Membership/Regular Savings account required; Early withdrawal subject to loss of dividends
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
- Sep 18, 20263.65%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
6 Month Short Term Certificate
$1,000
3.65%
▲ 0.38% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.79%
Details
Dividends: Monthly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 10, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
6 Month Share Certificate
$0
3.61%
▲ 0.34% above Texas avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.34% above avgNationally 2.79%
Details
Balance: $1000 - $49,999.99
Rate History
3 changes since Sep 21, 2026 · 3.61% → 3.61% ▼ 0.00 pts · high 3.61% / low 3.61%
- Oct 15, 20263.61%▼ from 3.61%
- Sep 29, 20263.61%▲ from 3.61%
- Sep 25, 20263.61%▼ from 3.61%
- Sep 21, 20263.61%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
180 Day Certificate of Deposit
$0
3.60%
▲ 0.33% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.79%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 18, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
- Oct 2, 20263.60%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
180 Day Frost Business Certificate of Deposit
$1,000
3.60%
▲ 0.33% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.79%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.60% APY
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
6 Month Share Certificate
$0
3.60%
▲ 0.33% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
6 Month Share Certificates
$0
3.50%
▲ 0.23% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.79%
Details
Dividends: Compounded Monthly
Rate History
1 change since Sep 22, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
- Oct 14, 20263.50%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Business Certificate
$0
3.50%
▲ 0.23% above Texas avg
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.79%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Jumbo Certificates
$0
3.50%
▲ 0.23% above Texas avg
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.79%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
6 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.50%
▲ 0.23% above Texas avg
▼
Rate3.47%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.79%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates - 6 Month
$1,000
3.50%
▲ 0.23% above Texas avg
▼
Rate3.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.79%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
360 CD - 6 Months
$0
3.30%
▲ 0.03% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.03% above avgNationally 2.79%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.30% ▼ 1.00 pts · high 4.30% / low 3.30%
- Oct 14, 20263.30%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
6-Month Certificate
$0
3.29%
▲ 0.02% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▲ 0.02% above avgNationally 2.79%
Details
Balance: $50,000+; Dividends: Quarterly; Certificates (includes IRA)
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 8 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
180 Day Certificate of Deposit
$0
3.20%
▼ 0.07% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 0.07% below avgNationally 2.79%
Details
Balance: $1,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70%
- Oct 2, 20263.20%▲ from 3.10%
- Sep 27, 20263.10%▲ from 2.70%
- Sep 18, 20262.70%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
180 Day Frost Business Certificate of Deposit
$1,000
3.20%
▼ 0.07% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 0.07% below avgNationally 2.79%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.20% APY
Travis County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX 78702 1901
6 Month Share Certificate
$1,000
3.15%
▼ 0.12% below Texas avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▼ 0.12% below avgNationally 2.79%
Details
Maximum Deposit $250,000
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month Business Jumbo Certificate of Deposit (CD)
$100,000
2.90%
▼ 0.37% below Texas avg
▼
Rate2.86%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▼ 0.37% below avgNationally 2.79%
Details
Balance: $100,000 and above
Rate History
No change since Oct 19, 2026 · 2.90% APY
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month CD
$500
2.90%
▼ 0.37% below Texas avg
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▼ 0.37% below avgNationally 2.79%
Details
Standard Certificates of Deposit (CD) ($500.00 - $99,999.99)
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month Jumbo CD
$0
2.90%
▼ 0.37% below Texas avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▼ 0.37% below avgNationally 2.79%
Details
Jumbo Certificates of Deposit ($100,000 and above)
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
6 Month Standard IRA CD
$0
2.90%
▼ 0.37% below Texas avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▼ 0.37% below avgNationally 2.79%
Details
Balance: $500.00 - $99,999.99; IRA Standard CDs
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 6 Month CD
$500
2.90%
▼ 0.37% below Texas avg
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▼ 0.37% below avgNationally 2.79%
Details
Balance: $500.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
6-Month Certificate
$0
2.78%
▼ 0.49% below Texas avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.27%▼ 0.49% below avgNationally 2.79%
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly; Certificates (includes IRA)
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 8 times
Austin 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month StartUP Share Certificate
$0
5.00%
▲ 1.59% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 1.59% above avgNationally 3.01%
Details
Maximum Balance: $1,000; Limit one StartUP Share Certificate per member; Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 6 times
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Bask 12-month CD
$1,000
4.35%
▲ 0.94% above Texas avg
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.94% above avgNationally 3.01%
Details
Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 6 times
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
1 Year IRA Certificate
$1,000
4.25%
▲ 0.84% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.84% above avgNationally 3.01%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
12-Month Super Jumbo Certificate
$0
4.22%
▲ 0.81% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.81% above avgNationally 3.01%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.22% ▲ 0.16 pts · high 4.22% / low 4.06%
- Oct 4, 20264.22%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
12 Month Star Certificate of Deposit
$1,000
4.20%
▲ 0.79% above Texas avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.79% above avgNationally 3.01%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
12-Month Jumbo Certificate
$0
4.11%
▲ 0.70% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.70% above avgNationally 3.01%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.11% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
12 Month Term Share Certificate
$0
4.10%
▲ 0.69% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.69% above avgNationally 3.01%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 10, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 12 Month
$0
4.02%
▲ 0.61% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.61% above avgNationally 3.01%
Details
Balance: $100,000 & Over
Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.02% ▼ 0.00 pts · high 4.02% / low 4.02%
- Oct 15, 20264.02%▲ from 4.02%
- Oct 13, 20264.02%▼ from 4.02%
- Sep 14, 20264.02%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
12-Month Share Certificate
$0
4.01%
▲ 0.60% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.60% above avgNationally 3.01%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.01% APY · checked 4 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
12 Month 360 CD
$0
4.00%
▲ 0.59% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
1-year online CD; CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.00%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
360 CD - 12 Months
$0
4.00%
▲ 0.59% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.00%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
12 Month Certificate of Deposit
$1,000
4.00%
▲ 0.59% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Interest rates stated in annual percentage yield; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 2, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
Certificate of Deposit - 12 Months
$0
4.00%
▲ 0.59% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Balance: Over $1 Million
Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 2, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
12 Month CD
$1,000
4.00%
▲ 0.59% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 7, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
12 Month CD
$0
4.00%
▲ 0.59% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Minimum Balance- $1,000.00
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 19, 20264.00%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD - 12 Months
$0
4.00%
▲ 0.59% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Minimum Balance- $1,000.00; APY = Annual Percentage Yield
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 19, 20264.00%▲ from 3.75%
- Oct 10, 20263.75%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD and IRA CDs - 12 Months
$0
4.00%
▲ 0.59% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Minimum Balance $1,000.00
Rate History
1 change since Oct 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 19, 20264.00%▲ from 3.75%
- Oct 14, 20263.75%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Business Certificate
$0
4.00%
▲ 0.59% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Jumbo Certificates
$0
4.00%
▲ 0.59% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
12 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
4.00%
▲ 0.59% above Texas avg
▼
Rate3.94%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates - 12 Month
$1,000
4.00%
▲ 0.59% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
12 Month Certificate of Deposit
$0
4.00%
▲ 0.59% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 14, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
12 Month Term Share Certificate
$0
4.00%
▲ 0.59% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.59% above Texas avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 12 Month
$0
3.97%
▲ 0.56% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.56% above avgNationally 3.01%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.97% → 3.97% ▼ 0.00 pts · high 3.97% / low 3.97%
- Oct 15, 20263.97%▲ from 3.97%
- Oct 13, 20263.97%▼ from 3.97%
- Sep 14, 20263.97%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 12 Month
$0
3.92%
▲ 0.51% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.51% above avgNationally 3.01%
Details
Balance: $1000 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 3.92% → 3.92% ▼ 0.00 pts · high 3.92% / low 3.92%
- Oct 15, 20263.92%▼ from 3.92%
- Oct 13, 20263.92%▲ from 3.92%
- Sep 14, 20263.92%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
12 month CD
$1,000
3.91%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.50% above avgNationally 3.01%
Details
Dividends paid quarterly; Membership/Regular Savings account required
Rate History
No change since Sep 22, 2026 · 3.91% APY · checked 4 times
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
12 Month Fixed-Rate Certificate of Deposit
$1,000
3.91%
▲ 0.50% above Texas avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.50% above avgNationally 3.01%
Details
Effective 10/13/2026; Dividend Pay & Compound: Quarterly
Rate History
1 change since Sep 14, 2026 · 3.73% → 3.91% ▲ 0.18 pts · high 3.91% / low 3.73%
- Sep 18, 20263.91%▲ from 3.73%
- Sep 14, 20263.73%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Certificate of Deposit - 12 Months
$1,000
3.91%
▲ 0.50% above Texas avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.50% above avgNationally 3.01%
Details
Dividend Pay & Compound: Quarterly; Membership/Regular Savings account required; Early withdrawal subject to loss of dividends
Rate History
1 change since Sep 14, 2026 · 3.73% → 3.91% ▲ 0.18 pts · high 3.91% / low 3.73%
- Sep 18, 20263.91%▲ from 3.73%
- Sep 14, 20263.73%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account - 12 Months
$1,000
3.91%
▲ 0.50% above Texas avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.50% above avgNationally 3.01%
Details
Dividend Pay & Compound: Quarterly; Effective 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.73% → 3.91% ▲ 0.18 pts · high 3.91% / low 3.73%
- Oct 14, 20263.91%▲ from 3.73%
- Sep 14, 20263.73%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
1 Year IRA
$1,000
3.86%
▲ 0.45% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.45% above avgNationally 3.01%
Details
Individual Retirement Account ($1,000 or above); IRAs may only be opened for terms of 1 year or more; Must maintain a minimum balance of $1,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
- Sep 18, 20263.86%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
Certificates of Deposit (CD) - 12-Month
$0
3.85%
▲ 0.44% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.44% above avgNationally 3.01%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
12 Month Certificate
$1,000
3.85%
▲ 0.44% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.44% above avgNationally 3.01%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 10, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
1 Year CD
$100,000
3.80%
▲ 0.39% above Texas avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.39% above avgNationally 3.01%
Details
Certificates of Deposit ($100,000 or above); Must maintain a minimum balance of $100,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3505 Montopolis Dr Bldg A, Austin, TX 78744
12 Month Term Certificate - Regular/IRA
$500
3.75%
▲ 0.34% above Texas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.34% above avgNationally 3.01%
Details
Interest compounded quarterly, credited quarterly; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
12 Month Certificate
$1,000
3.75%
▲ 0.34% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.34% above avgNationally 3.01%
Details
Balance: $1,000.00 or greater; Share Certificate; Membership required; New money eligible for promotional rate
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
12 Month IRA Certificate
$1,000
3.75%
▲ 0.34% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.34% above avgNationally 3.01%
Details
IRA Share Certificate; Balance: $1,000.00 or Greater; Terms 12 months to less than 36 months lose 180 days' interest on early withdrawal
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month Share Certificate
$0
3.70%
▲ 0.29% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.29% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate - 12 month
$0
3.70%
▲ 0.29% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.29% above avgNationally 3.01%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
1 Year Share Certificates
$0
3.65%
▲ 0.24% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.24% above avgNationally 3.01%
Details
Dividends: Compounded Monthly
Rate History
1 change since Sep 22, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
- Oct 14, 20263.65%▲ from 3.60%
- Sep 22, 20263.60%first recorded
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/1 Year Certificate
$0
3.65%
▲ 0.24% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.24% above avgNationally 3.01%
Details
Dividends: Compounded Monthly
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
- Oct 10, 20263.65%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.61%
▲ 0.20% above Texas avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.20% above avgNationally 3.01%
Details
Balance: $100,000 & Over
Rate History
4 changes since Sep 14, 2026 · 3.61% → 3.61% ▼ 0.00 pts · high 3.61% / low 3.61%
- Oct 15, 20263.61%▼ from 3.61%
- Sep 29, 20263.61%▲ from 3.61%
- Sep 25, 20263.61%▼ from 3.61%
- Sep 21, 20263.61%▼ from 3.61%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.56%
▲ 0.15% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.15% above avgNationally 3.01%
Details
Balance: $50,000.00 - $99,999.99
Rate History
4 changes since Sep 14, 2026 · 3.56% → 3.56% ▼ 0.00 pts · high 3.56% / low 3.56%
- Oct 15, 20263.56%▼ from 3.56%
- Sep 29, 20263.56%▲ from 3.56%
- Sep 25, 20263.56%▼ from 3.56%
- Sep 21, 20263.56%▼ from 3.56%
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
14028 N Highway 183, Austin, TX 78717
12 Month WooriWON Certificate of Deposit (CD)
$1,000
3.55%
▲ 0.14% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.14% above avgNationally 3.01%
Details
Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 3 times
Travis County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX 78702 1901
12 Month Share Certificate
$1,000
3.55%
▲ 0.14% above Texas avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.14% above avgNationally 3.01%
Details
Maximum Deposit $250,000
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
1-Year Certificate
$0
3.54%
▲ 0.13% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.41%▲ 0.13% above avgNationally 3.01%
Details
Balance: $50,000+; Dividends: Quarterly; Certificates (includes IRA)
Rate History
No change since Sep 14, 2026 · 3.54% APY · checked 8 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
12 Month Share Certificate
$0
3.51%
▲ 0.10% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.10% above avgNationally 3.01%
Details
Balance: $1000 - $49,999.99
Rate History
4 changes since Sep 14, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.51%
- Oct 15, 20263.51%▼ from 3.51%
- Sep 29, 20263.51%▲ from 3.51%
- Sep 25, 20263.51%▼ from 3.51%
- Sep 21, 20263.51%▼ from 3.51%
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
12 Month Variable-Rate Early Saver Certificate
$0
3.50%
▲ 0.09% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.09% above avgNationally 3.01%
Details
Balance: up to $20,000; Rate is variable and subject to change after account is opened; Fees could reduce earnings on account; Effective Date: November 18, 2025
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Business Fixed Rate Certificates - 12 Month
$0
3.50%
▲ 0.09% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.09% above avgNationally 3.01%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate - 12 Month
$0
3.50%
▲ 0.09% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.09% above avgNationally 3.01%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
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: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Super Jumbo Certificate
$0
4.27%
▲ 0.99% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.99% above avgNationally 2.88%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
- Oct 4, 20264.27%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
18 Month Star Certificate of Deposit
$1,000
4.25%
▲ 0.97% above Texas avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.88%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Jumbo Certificate
$0
4.16%
▲ 0.88% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.88% above avgNationally 2.88%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
18 Month Term Share Certificate
$0
4.10%
▲ 0.82% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.88%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 10, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
18-Month Share Certificate
$0
4.06%
▲ 0.78% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.78% above avgNationally 2.88%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 4 times
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
18 Month Certificate of Deposit
$1,000
4.00%
▲ 0.72% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Interest rates stated in annual percentage yield; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
Certificate of Deposit - 18 Months
$0
4.00%
▲ 0.72% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Balance: Over $1 Million
Rate History
1 change since Sep 14, 2026 · 2.55% → 4.00% ▲ 1.45 pts · high 4.00% / low 2.55%
- Sep 18, 20264.00%▲ from 2.55%
- Sep 14, 20262.55%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Business Certificate
$0
4.00%
▲ 0.72% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Jumbo Certificates
$0
4.00%
▲ 0.72% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
4.00%
▲ 0.72% above Texas avg
▼
Rate3.94%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates - 18 Month
$1,000
4.00%
▲ 0.72% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
18 Month Certificate of Deposit
$0
4.00%
▲ 0.72% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 14, 20264.00%▲ from 3.85%
- Sep 18, 20263.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
18 Month Term Share Certificate
$0
4.00%
▲ 0.72% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Bask 18-month CD
$1,000
4.00%
▲ 0.72% above Texas avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$1,000
3.91%
▲ 0.63% above Texas avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.63% above avgNationally 2.88%
Details
Balance: $75,000 and over; Consumer accounts only; Early withdrawal penalty varies by term
Rate History
1 change since Sep 20, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
- Oct 4, 20263.91%▲ from 3.80%
- Sep 20, 20263.80%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
18 month CD
$1,000
3.91%
▲ 0.63% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.63% above avgNationally 2.88%
Details
Dividends paid quarterly; Membership/Regular Savings account required
Rate History
2 changes since Sep 22, 2026 · 3.91% → 3.91% ▼ 0.00 pts · high 3.91% / low 3.85%
- Oct 14, 20263.91%▲ from 3.85%
- Sep 27, 20263.85%▼ from 3.91%
- Sep 22, 20263.91%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
18 Month Fixed-Rate Certificate of Deposit
$1,000
3.91%
▲ 0.63% above Texas avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.63% above avgNationally 2.88%
Details
Effective 10/13/2026; Dividend Pay & Compound: Quarterly
Rate History
3 changes since Sep 14, 2026 · 3.65% → 3.91% ▲ 0.26 pts · high 3.91% / low 3.65%
- Oct 14, 20263.91%▲ from 3.85%
- Sep 27, 20263.85%▼ from 3.91%
- Sep 18, 20263.91%▲ from 3.65%
- Sep 14, 20263.65%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Certificate of Deposit - 18 Months
$1,000
3.91%
▲ 0.63% above Texas avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.63% above avgNationally 2.88%
Details
Dividend Pay & Compound: Quarterly; Membership/Regular Savings account required; Early withdrawal subject to loss of dividends
Rate History
3 changes since Sep 14, 2026 · 3.65% → 3.91% ▲ 0.26 pts · high 3.91% / low 3.65%
- Oct 14, 20263.91%▲ from 3.85%
- Sep 27, 20263.85%▼ from 3.91%
- Sep 18, 20263.91%▲ from 3.65%
- Sep 14, 20263.65%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account - 18 Months
$1,000
3.91%
▲ 0.63% above Texas avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.63% above avgNationally 2.88%
Details
Dividend Pay & Compound: Quarterly; Effective 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.91% ▲ 0.26 pts · high 3.91% / low 3.65%
- Oct 14, 20263.91%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
18 Month IRA Certificate
$1,000
3.90%
▲ 0.62% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.62% above avgNationally 2.88%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Oct 10, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$1,000
3.86%
▲ 0.58% above Texas avg
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.58% above avgNationally 2.88%
Details
Balance: $20,000 - $74,999.99; Consumer accounts only; Early withdrawal penalty varies by term
Rate History
1 change since Sep 20, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75%
- Oct 4, 20263.86%▲ from 3.75%
- Sep 20, 20263.75%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
18 Month Certificate
$1,000
3.85%
▲ 0.57% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.57% above avgNationally 2.88%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 10, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$1,000
3.79%
▲ 0.51% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.51% above avgNationally 2.88%
Details
Balance: $5,000 - $19,999.99; Consumer accounts only; Early withdrawal penalty varies by term
Rate History
1 change since Sep 20, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69%
- Oct 4, 20263.79%▲ from 3.69%
- Sep 20, 20263.69%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
18 Month Share Certificate
$0
3.75%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate - 18 month
$0
3.75%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.88%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
205 W Ben White Blvd, Austin, TX 78704 7154
18 Month SuperSaver Certificate
$1,000
3.75%
▲ 0.47% above Texas avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.88%
Details
Balance: $1,000 - $4,999.99; Consumer accounts only; Early withdrawal penalty varies by term
Rate History
1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 4, 20263.75%▲ from 3.65%
- Sep 20, 20263.65%first recorded
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3505 Montopolis Dr Bldg A, Austin, TX 78744
18 Month Term Certificate - Regular/IRA
$500
3.75%
▲ 0.47% above Texas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.88%
Details
Interest compounded quarterly, credited quarterly; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
18 Month Certificate
$1,000
3.75%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.88%
Details
Balance: $1,000.00 or greater; Share Certificate; Membership required; New money eligible for promotional rate
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
18 Month IRA Certificate
$1,000
3.75%
▲ 0.47% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.88%
Details
IRA Share Certificate; Balance: $1,000.00 or Greater; Terms 12 months to less than 36 months lose 180 days' interest on early withdrawal
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
Certificates of Deposit (CD) - 18-Month
$0
3.70%
▲ 0.42% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.42% above avgNationally 2.88%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
18 Month 360 CD
$0
3.60%
▲ 0.32% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.32% above avgNationally 2.88%
Details
CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
360 CD - 18 Months
$0
3.60%
▲ 0.32% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.32% above avgNationally 2.88%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Business Fixed Rate Certificates - 18 Month
$0
3.55%
▲ 0.27% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.27% above avgNationally 2.88%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate - 18 Month
$0
3.55%
▲ 0.27% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.27% above avgNationally 2.88%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
18 Month CD
$100,000
3.55%
▲ 0.27% above Texas avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.27% above avgNationally 2.88%
Details
Certificates of Deposit ($100,000 or above); Must maintain a minimum balance of $100,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.55% / low 3.39%
- Sep 18, 20263.55%▲ from 3.39%
- Sep 14, 20263.39%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
18 Month CD
$1,000
3.34%
▲ 0.06% above Texas avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.06% above avgNationally 2.88%
Details
Certificates of Deposit ($1,000 - $99,999); Must maintain a minimum balance of $1,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.34% ▲ 0.09 pts · high 3.34% / low 3.25%
- Sep 18, 20263.34%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month Business Jumbo Certificate of Deposit (CD)
$100,000
3.00%
▼ 0.28% below Texas avg
▼
Rate2.96%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▼ 0.28% below avgNationally 2.88%
Details
Balance: $100,000 and above
Rate History
No change since Oct 19, 2026 · 3.00% APY
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month CD
$500
3.00%
▼ 0.28% below Texas avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▼ 0.28% below avgNationally 2.88%
Details
Standard Certificates of Deposit (CD) ($500.00 - $99,999.99)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month Jumbo CD
$0
3.00%
▼ 0.28% below Texas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▼ 0.28% below avgNationally 2.88%
Details
Jumbo Certificates of Deposit ($100,000 and above)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
18 Month Standard IRA CD
$0
3.00%
▼ 0.28% below Texas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▼ 0.28% below avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99; IRA Standard CDs
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 18 Month CD
$500
3.00%
▼ 0.28% below Texas avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▼ 0.28% below avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.96%
▼ 0.32% below Texas avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▼ 0.32% below avgNationally 2.88%
Details
Balance: $100,000 & Over
Rate History
4 changes since Sep 14, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 2.96% / low 2.96%
- Oct 15, 20262.96%▼ from 2.96%
- Sep 29, 20262.96%▲ from 2.96%
- Sep 25, 20262.96%▼ from 2.96%
- Sep 21, 20262.96%▼ from 2.96%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.91%
▼ 0.37% below Texas avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▼ 0.37% below avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
4 changes since Sep 14, 2026 · 2.91% → 2.91% ▼ 0.00 pts · high 2.91% / low 2.91%
- Oct 15, 20262.91%▼ from 2.91%
- Sep 29, 20262.91%▲ from 2.91%
- Sep 25, 20262.91%▼ from 2.91%
- Sep 21, 20262.91%▼ from 2.91%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
18 Month Share Certificate
$0
2.86%
▼ 0.42% below Texas avg
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▼ 0.42% below avgNationally 2.88%
Details
Balance: $1000 - $49,999.99
Rate History
4 changes since Sep 14, 2026 · 2.86% → 2.86% ▼ 0.00 pts · high 2.86% / low 2.86%
- Oct 15, 20262.86%▼ from 2.86%
- Sep 29, 20262.86%▲ from 2.86%
- Sep 25, 20262.86%▼ from 2.86%
- Sep 21, 20262.86%▼ from 2.86%
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.53% below Texas avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 0.53% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
18 Month Personal CD
$1,000
2.17%
▼ 1.11% below Texas avg
▼
Rate2.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 1.11% below avgNationally 2.88%
Details
Balance: $250,000 & Up
Rate History
No change since Oct 14, 2026 · 2.17% APY
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
18 Month Personal CD
$1,000
1.91%
▼ 1.37% below Texas avg
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 1.37% below avgNationally 2.88%
Details
Balance: $10,000 to $249,999.99
Rate History
No change since Oct 14, 2026 · 1.91% APY
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
18 Month Personal CD
$1,000
1.66%
▼ 1.62% below Texas avg
▼
Rate1.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 1.62% below avgNationally 2.88%
Details
Balance: $1,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 1.66% APY
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
18 Month Jumbo CD
$90,000
1.50%
▼ 1.78% below Texas avg
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
18 Month Standard CD
$1,000
1.50%
▼ 1.78% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Austin 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Bask 24-month CD
$1,000
4.30%
▲ 1.07% above Texas avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.07% above avgNationally 2.90%
Details
Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Super Jumbo Certificate
$0
4.27%
▲ 1.04% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 1.04% above avgNationally 2.90%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
- Oct 4, 20264.27%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
7800 Shoal Creek Boulevard, Austin, TX 78757
24-Month Certificate of Deposit
$0
4.25%
▲ 1.02% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.02% above avgNationally 2.90%
Details
Guaranteed rate of return on a Certificate of Deposit
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
24 Month Term Share Certificate
$0
4.20%
▲ 0.97% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.97% above avgNationally 2.90%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Jumbo Certificate
$0
4.16%
▲ 0.93% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 0.93% above avgNationally 2.90%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 4 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Business Fixed Rate Certificates - 24 Month
$0
4.10%
▲ 0.87% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.87% above avgNationally 2.90%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate - 24 Month
$0
4.10%
▲ 0.87% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.87% above avgNationally 2.90%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 24 Month
$0
4.10%
▲ 0.87% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.87% above avgNationally 2.90%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
24 Month Term Share Certificate
$0
4.10%
▲ 0.87% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.87% above avgNationally 2.90%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Share Certificate
$0
4.06%
▲ 0.83% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 0.83% above avgNationally 2.90%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 4 times
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
24 Month CD
$0
4.00%
▲ 0.77% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▲ 0.77% above avgNationally 2.90%
Details
Minimum Balance- $1,000.00
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 19, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD - 24 Months
$0
4.00%
▲ 0.77% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▲ 0.77% above avgNationally 2.90%
Details
Minimum Balance- $1,000.00; APY = Annual Percentage Yield
Rate History
2 changes since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 19, 20264.00%▲ from 3.70%
- Oct 10, 20263.70%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD and IRA CDs - 24 Months
$0
4.00%
▲ 0.77% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▲ 0.77% above avgNationally 2.90%
Details
Minimum Balance $1,000.00
Rate History
1 change since Oct 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 19, 20264.00%▲ from 3.70%
- Oct 14, 20263.70%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Business Certificate
$0
4.00%
▲ 0.77% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.77% above avgNationally 2.90%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Jumbo Certificates
$0
4.00%
▲ 0.77% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.77% above avgNationally 2.90%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
4.00%
▲ 0.77% above Texas avg
▼
Rate3.94%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.77% above avgNationally 2.90%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates - 24 Month
$1,000
4.00%
▲ 0.77% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.77% above avgNationally 2.90%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
24 Month Certificate of Deposit
$0
4.00%
▲ 0.77% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.77% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 14, 20264.00%▲ from 3.85%
- Sep 18, 20263.85%first recorded
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Business Fixed Rate Certificates - 24 Month Step-Up
$0
3.95%
▲ 0.72% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.72% above avgNationally 2.90%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Oct 14, 2026 · 3.95% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate - 24 Month Step-Up
$0
3.95%
▲ 0.72% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.72% above avgNationally 2.90%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Oct 14, 2026 · 3.95% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 24 Month Step-Up
$0
3.95%
▲ 0.72% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.72% above avgNationally 2.90%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
2 Year IRA Certificate
$1,000
3.90%
▲ 0.67% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.67% above avgNationally 2.90%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Oct 10, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
2 Year Certificate
$1,000
3.85%
▲ 0.62% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.62% above avgNationally 2.90%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 10, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
24 month CD
$1,000
3.75%
▲ 0.52% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.52% above avgNationally 2.90%
Details
Dividends paid quarterly; Membership/Regular Savings account required
Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 3 times
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
24 Month Fixed-Rate Certificate of Deposit
$1,000
3.75%
▲ 0.52% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.52% above avgNationally 2.90%
Details
Effective 10/13/2026; Dividend Pay & Compound: Quarterly
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 18, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Certificate of Deposit - 24 Months
$1,000
3.75%
▲ 0.52% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.52% above avgNationally 2.90%
Details
Dividend Pay & Compound: Quarterly; Membership/Regular Savings account required; Early withdrawal subject to loss of dividends
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 18, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account - 24 Months
$1,000
3.75%
▲ 0.52% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.52% above avgNationally 2.90%
Details
Dividend Pay & Compound: Quarterly; Effective 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Oct 14, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
24 Month Share Certificate
$0
3.70%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 0.47% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate - 24 month
$0
3.70%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 0.47% above avgNationally 2.90%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
2 Year Share Certificates
$0
3.70%
▲ 0.47% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▲ 0.47% above avgNationally 2.90%
Details
Dividends: Compounded Monthly
Rate History
1 change since Sep 22, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Oct 14, 20263.70%▲ from 3.65%
- Sep 22, 20263.65%first recorded
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/2 Year Certificate
$0
3.70%
▲ 0.47% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▲ 0.47% above avgNationally 2.90%
Details
Dividends: Compounded Monthly
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Oct 10, 20263.70%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
24 Month Certificate
$1,000
3.70%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▲ 0.47% above avgNationally 2.90%
Details
Balance: $1,000.00 or greater; Share Certificate; Membership required; New money eligible for promotional rate
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
24 Month IRA Certificate
$1,000
3.70%
▲ 0.47% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▲ 0.47% above avgNationally 2.90%
Details
IRA Share Certificate; Balance: $1,000.00 or Greater; Terms 12 months to less than 36 months lose 180 days' interest on early withdrawal
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
24 Month Star Certificate of Deposit
$1,000
3.60%
▲ 0.37% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.37% above avgNationally 2.90%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
98 San Jacinto Blvd, Austin, TX 78701
Star Certificate of Deposit - 24 Months
$1,000
3.60%
▲ 0.37% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.37% above avgNationally 2.90%
Details
Open Account
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
Certificates of Deposit (CD) - 24-Month
$0
3.60%
▲ 0.37% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.37% above avgNationally 2.90%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
2 Year IRA
$1,000
3.55%
▲ 0.32% above Texas avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.32% above avgNationally 2.90%
Details
Individual Retirement Account ($1,000 or above); IRAs may only be opened for terms of 1 year or more; Must maintain a minimum balance of $1,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.55% ▲ 0.11 pts · high 3.55% / low 3.44%
- Sep 18, 20263.55%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
2-Year Certificate
$0
3.54%
▲ 0.31% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▲ 0.31% above avgNationally 2.90%
Details
Balance: $50,000+; Dividends: Quarterly; Certificates (includes IRA)
Rate History
No change since Sep 14, 2026 · 3.54% APY · checked 8 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
360 CD - 24 Months
$0
3.50%
▲ 0.27% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.27% above avgNationally 2.90%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
2 Year CD
$100,000
3.49%
▲ 0.26% above Texas avg
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.26% above avgNationally 2.90%
Details
Certificates of Deposit ($100,000 or above); Must maintain a minimum balance of $100,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.34% → 3.49% ▲ 0.15 pts · high 3.49% / low 3.34%
- Sep 18, 20263.49%▲ from 3.34%
- Sep 14, 20263.34%first recorded
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3505 Montopolis Dr Bldg A, Austin, TX 78744
24 Month Term Certificate - Regular/IRA
$500
3.25%
▲ 0.02% above Texas avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▲ 0.02% above avgNationally 2.90%
Details
Interest compounded quarterly, credited quarterly; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Travis County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX 78702 1901
24 Month Share Certificate
$1,000
3.15%
▼ 0.08% below Texas avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▼ 0.08% below avgNationally 2.90%
Details
Maximum Deposit $250,000
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
24 Month Certificate of Deposit
$0
3.10%
▼ 0.13% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 0.13% below avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 18, 2026 · 2.90% → 3.10% ▲ 0.20 pts · high 3.10% / low 2.90%
- Oct 2, 20263.10%▲ from 3.00%
- Sep 24, 20263.00%▲ from 2.90%
- Sep 18, 20262.90%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 E Anderson Ln, Austin, TX 78752
24 Month Frost Business Certificate of Deposit
$1,000
3.10%
▼ 0.13% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 0.13% below avgNationally 2.90%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.10% APY
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
2705 Bee Caves Rd, Austin, TX 78746
Individual Retirement Account - 2 Years
$100
3.03%
▼ 0.20% below Texas avg
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 0.20% below avgNationally 2.90%
Details
Early withdrawal fee may apply
Rate History
1 change since Sep 18, 2026 · 2.83% → 3.03% ▲ 0.20 pts · high 3.03% / low 2.83%
- Oct 7, 20263.03%▲ from 2.83%
- Sep 18, 20262.83%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
2 Year CD
$1,000
3.03%
▼ 0.20% below Texas avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 0.20% below avgNationally 2.90%
Details
Certificates of Deposit ($1,000 - $99,999); Must maintain a minimum balance of $1,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.03% ▲ 0.03 pts · high 3.03% / low 3.00%
- Sep 18, 20263.03%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
2-Year Certificate
$0
3.03%
▼ 0.20% below Texas avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▼ 0.20% below avgNationally 2.90%
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly; Certificates (includes IRA)
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month Business Jumbo Certificate of Deposit (CD)
$100,000
3.00%
▼ 0.23% below Texas avg
▼
Rate2.96%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▼ 0.23% below avgNationally 2.90%
Details
Balance: $100,000 and above
Rate History
No change since Oct 19, 2026 · 3.00% APY
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month CD
$500
3.00%
▼ 0.23% below Texas avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▼ 0.23% below avgNationally 2.90%
Details
Standard Certificates of Deposit (CD) ($500.00 - $99,999.99)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
24 Month Jumbo CD
$0
3.00%
▼ 0.23% below Texas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.23%▼ 0.23% below avgNationally 2.90%
Details
Jumbo Certificates of Deposit ($100,000 and above)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
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: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Super Jumbo Certificate
$0
4.32%
▲ 1.18% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.18% above avgNationally 2.82%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
- Oct 4, 20264.32%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Jumbo Certificate
$0
4.22%
▲ 1.08% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.08% above avgNationally 2.82%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
36 Month Term Share Certificate
$0
4.20%
▲ 1.06% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.82%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Share Certificate
$0
4.11%
▲ 0.97% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 0.97% above avgNationally 2.82%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.11% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
36 Month Term Share Certificate
$0
4.10%
▲ 0.96% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.82%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
36 Month CD
$0
3.90%
▲ 0.76% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 0.76% above avgNationally 2.82%
Details
Minimum Balance- $1,000.00
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 19, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD - 36 Months
$0
3.90%
▲ 0.76% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 0.76% above avgNationally 2.82%
Details
Minimum Balance- $1,000.00; APY = Annual Percentage Yield
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 19, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD and IRA CDs - 36 Months
$0
3.90%
▲ 0.76% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 0.76% above avgNationally 2.82%
Details
Minimum Balance $1,000.00
Rate History
1 change since Oct 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 19, 20263.90%▲ from 3.60%
- Oct 14, 20263.60%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Business Certificate
$0
3.75%
▲ 0.61% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.82%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Jumbo Certificates
$0
3.75%
▲ 0.61% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.82%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
36 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.75%
▲ 0.61% above Texas avg
▼
Rate3.70%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.82%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates - 36 Month
$1,000
3.75%
▲ 0.61% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.82%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
36 Month Share Certificate
$0
3.70%
▲ 0.56% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 0.56% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate - 36 month
$0
3.70%
▲ 0.56% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 0.56% above avgNationally 2.82%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
3 Year IRA Certificate
$1,000
3.70%
▲ 0.56% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.56% above avgNationally 2.82%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Oct 10, 20263.70%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
3 Year Share Certificates
$0
3.65%
▲ 0.51% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.82%
Details
Dividends: Compounded Monthly
Rate History
1 change since Sep 22, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
- Oct 14, 20263.65%▲ from 3.55%
- Sep 22, 20263.55%first recorded
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
621 W Saint Johns Ave, Austin, TX 78752 2315
IRA/3 Year Certificate
$0
3.65%
▲ 0.51% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.82%
Details
Dividends: Compounded Monthly
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
- Oct 10, 20263.65%▲ from 3.55%
- Sep 14, 20263.55%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
36 Month Fixed-Rate Certificate of Deposit
$1,000
3.65%
▲ 0.51% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.82%
Details
Effective 10/13/2026; Dividend Pay & Compound: Quarterly
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
- Sep 18, 20263.65%▲ from 3.30%
- Sep 14, 20263.30%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Certificate of Deposit - 36 Months
$1,000
3.65%
▲ 0.51% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.82%
Details
Dividend Pay & Compound: Quarterly; Membership/Regular Savings account required; Early withdrawal subject to loss of dividends
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
- Sep 18, 20263.65%▲ from 3.30%
- Sep 14, 20263.30%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account - 36 Months
$1,000
3.65%
▲ 0.51% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.82%
Details
Dividend Pay & Compound: Quarterly; Effective 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
- Oct 14, 20263.65%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
3 Year Certificate
$1,000
3.65%
▲ 0.51% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.82%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
- Oct 10, 20263.65%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
36 Month Certificate of Deposit
$0
3.65%
▲ 0.51% above Texas avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.51% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Business Fixed Rate Certificates - 36 Month
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.82%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate - 36 Month
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.82%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 36 Month
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.82%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
36 Month Certificate
$1,000
3.60%
▲ 0.46% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.82%
Details
Balance: $1,000.00 or greater; Share Certificate; Membership required; New money eligible for promotional rate
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
36 Month IRA Certificate
$1,000
3.60%
▲ 0.46% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.82%
Details
IRA Share Certificate; Balance: $1,000.00 or Greater; Terms of 36 months or longer lose 270 days' interest on early withdrawal
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
360 CD - 36 Months
$0
3.50%
▲ 0.36% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.36% above avgNationally 2.82%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
Certificates of Deposit (CD) - 36-Month
$0
3.40%
▲ 0.26% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.26% above avgNationally 2.82%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 2 times
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
3-Year Certificate
$0
3.29%
▲ 0.15% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 0.15% above avgNationally 2.82%
Details
Balance: $50,000+; Dividends: Quarterly; Certificates (includes IRA)
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 8 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
3.04%
▼ 0.10% below Texas avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▼ 0.10% below avgNationally 2.82%
Details
Balance: $100,000 & Over
Rate History
4 changes since Sep 14, 2026 · 3.04% → 3.04% ▼ 0.00 pts · high 3.04% / low 3.04%
- Oct 15, 20263.04%▲ from 3.04%
- Sep 29, 20263.04%▼ from 3.04%
- Sep 25, 20263.04%▼ from 3.04%
- Sep 21, 20263.04%▼ from 3.04%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 36 Month
$0
3.04%
▼ 0.10% below Texas avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▼ 0.10% below avgNationally 2.82%
Details
Balance: $100,000 & Over
Rate History
2 changes since Sep 14, 2026 · 3.04% → 3.04% ▼ 0.00 pts · high 3.04% / low 3.04%
- Oct 15, 20263.04%▲ from 3.04%
- Oct 13, 20263.04%▼ from 3.04%
- Sep 14, 20263.04%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month Business Jumbo Certificate of Deposit (CD)
$100,000
3.00%
▼ 0.14% below Texas avg
▼
Rate2.96%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.82%
Details
Balance: $100,000 and above
Rate History
No change since Oct 19, 2026 · 3.00% APY
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month CD
$500
3.00%
▼ 0.14% below Texas avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.82%
Details
Standard Certificates of Deposit (CD) ($500.00 - $99,999.99)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month Jumbo CD
$0
3.00%
▼ 0.14% below Texas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.82%
Details
Jumbo Certificates of Deposit ($100,000 and above)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
36 Month Standard IRA CD
$0
3.00%
▼ 0.14% below Texas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.82%
Details
Balance: $500.00 - $99,999.99; IRA Standard CDs
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 36 Month CD
$500
3.00%
▼ 0.14% below Texas avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.82%
Details
Balance: $500.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
2.99%
▼ 0.15% below Texas avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▼ 0.15% below avgNationally 2.82%
Details
Balance: $50,000.00 - $99,999.99
Rate History
3 changes since Sep 14, 2026 · 2.99% → 2.99% ▼ 0.00 pts · high 2.99% / low 2.99%
- Oct 15, 20262.99%▼ from 2.99%
- Sep 25, 20262.99%▼ from 2.99%
- Sep 21, 20262.99%▼ from 2.99%
- Sep 14, 20262.99%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 36 Month
$0
2.99%
▼ 0.15% below Texas avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▼ 0.15% below avgNationally 2.82%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 2.99% → 2.99% ▼ 0.00 pts · high 2.99% / low 2.99%
- Oct 15, 20262.99%▼ from 2.99%
- Sep 14, 20262.99%first recorded
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
2705 Bee Caves Rd, Austin, TX 78746
Individual Retirement Account - 3 Years
$100
2.98%
▼ 0.16% below Texas avg
▼
Rate2.95%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 0.16% below avgNationally 2.82%
Details
Early withdrawal fee may apply
Rate History
1 change since Sep 18, 2026 · 2.78% → 2.98% ▲ 0.20 pts · high 2.98% / low 2.78%
- Oct 7, 20262.98%▲ from 2.78%
- Sep 18, 20262.78%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
36 Month Share Certificate
$0
2.94%
▼ 0.20% below Texas avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▼ 0.20% below avgNationally 2.82%
Details
Balance: $1000 - $49,999.99
Rate History
4 changes since Sep 14, 2026 · 2.94% → 2.94% ▼ 0.00 pts · high 2.94% / low 2.94%
- Oct 15, 20262.94%▼ from 2.94%
- Sep 29, 20262.94%▲ from 2.94%
- Sep 25, 20262.94%▼ from 2.94%
- Sep 21, 20262.94%▼ from 2.94%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 36 Month
$0
2.94%
▼ 0.20% below Texas avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▼ 0.20% below avgNationally 2.82%
Details
Balance: $1000 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.94% → 2.94% ▼ 0.00 pts · high 2.94% / low 2.94%
- Oct 15, 20262.94%▼ from 2.94%
- Oct 13, 20262.94%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4800 GROVER AVE, AUSTIN, TX 78756
3-Year Certificate
$0
2.78%
▼ 0.36% below Texas avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▼ 0.36% below avgNationally 2.82%
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly; Certificates (includes IRA)
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 8 times
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
3 Year Certificate of Deposit
$1,000
2.70%
▼ 0.44% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 0.44% below avgNationally 2.82%
Details
Interest rates stated in annual percentage yield; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 5 times
Travis County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX 78702 1901
36 Month Share Certificate
$1,000
2.25%
▼ 0.89% below Texas avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▼ 0.89% below avgNationally 2.82%
Details
Maximum Deposit $250,000
Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 2 times
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
36 Month Personal CD
$1,000
2.07%
▼ 1.07% below Texas avg
▼
Rate2.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 1.07% below avgNationally 2.82%
Details
Balance: $250,000 & Up
Rate History
No change since Oct 14, 2026 · 2.07% APY
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
36 Month Personal CD
$1,000
1.81%
▼ 1.33% below Texas avg
▼
Rate1.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 1.33% below avgNationally 2.82%
Details
Balance: $10,000 to $249,999.99
Rate History
No change since Oct 14, 2026 · 1.81% APY
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
36 Month Personal CD
$1,000
1.56%
▼ 1.58% below Texas avg
▼
Rate1.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 1.58% below avgNationally 2.82%
Details
Balance: $1,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 1.56% APY
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
36 Month Jumbo CD
$90,000
1.50%
▼ 1.64% below Texas avg
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
36 Month Standard CD
$1,000
1.50%
▼ 1.64% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 1.64% below avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
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: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Super Jumbo Certificate
$0
4.37%
▲ 1.33% above Texas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.33% above avgNationally 2.81%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 4, 20264.37%▲ from 4.22%
- Sep 14, 20264.22%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Jumbo Certificate
$0
4.27%
▲ 1.23% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.23% above avgNationally 2.81%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.27% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
48 Month Term Share Certificate
$0
4.20%
▲ 1.16% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.81%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
48-Month Share Certificate
$0
4.16%
▲ 1.12% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.12% above avgNationally 2.81%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
48 Month Term Share Certificate
$0
4.10%
▲ 1.06% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.81%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
48 Month CD
$0
3.85%
▲ 0.81% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 0.81% above avgNationally 2.81%
Details
Minimum Balance- $1,000.00
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 19, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD - 48 Months
$0
3.85%
▲ 0.81% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 0.81% above avgNationally 2.81%
Details
Minimum Balance- $1,000.00; APY = Annual Percentage Yield
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 19, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
306 E 10th St, Austin, TX 78701
CD and IRA CDs - 48 Months
$0
3.85%
▲ 0.81% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 0.81% above avgNationally 2.81%
Details
Minimum Balance $1,000.00
Rate History
1 change since Oct 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 19, 20263.85%▲ from 3.55%
- Oct 14, 20263.55%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Business Certificate
$0
3.75%
▲ 0.71% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.81%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Jumbo Certificates
$0
3.75%
▲ 0.71% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.81%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
48 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.75%
▲ 0.71% above Texas avg
▼
Rate3.70%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.81%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates - 48 Month
$1,000
3.75%
▲ 0.71% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.81%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Business Fixed Rate Certificates - 48 Month
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate - 48 Month
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 48 Month
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
48 Month Share Certificate
$0
3.70%
▲ 0.66% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate - 48 month
$0
3.70%
▲ 0.66% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
4 Year IRA Certificate
$1,000
3.70%
▲ 0.66% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Oct 10, 20263.70%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
4 Year Certificate
$1,000
3.65%
▲ 0.61% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.61% above avgNationally 2.81%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
- Oct 10, 20263.65%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
48 Month Certificate
$1,000
3.55%
▲ 0.51% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.81%
Details
Balance: $1,000.00 or greater; Share Certificate; Membership required; New money eligible for promotional rate
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
48 Month IRA Certificate
$1,000
3.55%
▲ 0.51% above Texas avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 0.51% above avgNationally 2.81%
Details
IRA Share Certificate; Balance: $1,000.00 or Greater; Terms of 36 months or longer lose 270 days' interest on early withdrawal
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
360 CD - 48 Months
$0
3.50%
▲ 0.46% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.81%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
48 Month Fixed-Rate Certificate of Deposit
$1,000
3.50%
▲ 0.46% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.81%
Details
Effective 10/13/2026; Dividend Pay & Compound: Quarterly
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
- Sep 18, 20263.50%▲ from 3.20%
- Sep 14, 20263.20%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Certificate of Deposit - 48 Months
$1,000
3.50%
▲ 0.46% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.81%
Details
Dividend Pay & Compound: Quarterly; Membership/Regular Savings account required; Early withdrawal subject to loss of dividends
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
- Sep 18, 20263.50%▲ from 3.20%
- Sep 14, 20263.20%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account - 48 Months
$1,000
3.50%
▲ 0.46% above Texas avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.46% above avgNationally 2.81%
Details
Dividend Pay & Compound: Quarterly; Effective 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
- Oct 14, 20263.50%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
Certificates of Deposit (CD) - 48-Month
$0
3.35%
▲ 0.31% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.31% above avgNationally 2.81%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
2705 Bee Caves Rd, Austin, TX 78746
Individual Retirement Account - 4 Years
$100
2.88%
▼ 0.16% below Texas avg
▼
Rate2.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 0.16% below avgNationally 2.81%
Details
Early withdrawal fee may apply
Rate History
1 change since Sep 18, 2026 · 2.67% → 2.88% ▲ 0.21 pts · high 2.88% / low 2.67%
- Oct 7, 20262.88%▲ from 2.67%
- Sep 18, 20262.67%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month Business Jumbo Certificate of Deposit (CD)
$100,000
2.75%
▼ 0.29% below Texas avg
▼
Rate2.72%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.81%
Details
Balance: $100,000 and above
Rate History
No change since Oct 19, 2026 · 2.75% APY
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month CD
$500
2.75%
▼ 0.29% below Texas avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.81%
Details
Standard Certificates of Deposit (CD) ($500.00 - $99,999.99)
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month Jumbo CD
$0
2.75%
▼ 0.29% below Texas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.81%
Details
Jumbo Certificates of Deposit ($100,000 and above)
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
48 Month Standard IRA CD
$0
2.75%
▼ 0.29% below Texas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.81%
Details
Balance: $500.00 - $99,999.99; IRA Standard CDs
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 48 Month CD
$500
2.75%
▼ 0.29% below Texas avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▼ 0.29% below avgNationally 2.81%
Details
Balance: $500.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
4 Year Certificate of Deposit
$1,000
2.70%
▼ 0.34% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 0.34% below avgNationally 2.81%
Details
Interest rates stated in annual percentage yield; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 5 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.43%
▼ 0.61% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▼ 0.61% below avgNationally 2.81%
Details
Balance: $100,000 & Over
Rate History
4 changes since Sep 14, 2026 · 2.43% → 2.43% ▼ 0.00 pts · high 2.43% / low 2.43%
- Oct 15, 20262.43%▼ from 2.43%
- Sep 29, 20262.43%▲ from 2.43%
- Sep 25, 20262.43%▼ from 2.43%
- Sep 21, 20262.43%▼ from 2.43%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 48 Month
$0
2.43%
▼ 0.61% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▼ 0.61% below avgNationally 2.81%
Details
Balance: $100,000 & Over
Rate History
2 changes since Sep 14, 2026 · 2.43% → 2.43% ▼ 0.00 pts · high 2.43% / low 2.43%
- Oct 15, 20262.43%▼ from 2.43%
- Oct 13, 20262.43%▲ from 2.43%
- Sep 14, 20262.43%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.38%
▼ 0.66% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▼ 0.66% below avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
4 changes since Sep 14, 2026 · 2.38% → 2.38% ▼ 0.00 pts · high 2.38% / low 2.38%
- Oct 15, 20262.38%▼ from 2.38%
- Sep 29, 20262.38%▲ from 2.38%
- Sep 25, 20262.38%▼ from 2.38%
- Sep 21, 20262.38%▼ from 2.38%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 48 Month
$0
2.38%
▼ 0.66% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▼ 0.66% below avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 2.38% → 2.38% ▼ 0.00 pts · high 2.38% / low 2.38%
- Oct 15, 20262.38%▼ from 2.38%
- Oct 13, 20262.38%▲ from 2.38%
- Sep 14, 20262.38%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
48 Month Share Certificate
$0
2.32%
▼ 0.72% below Texas avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▼ 0.72% below avgNationally 2.81%
Details
Balance: $1000 - $49,999.99
Rate History
4 changes since Sep 14, 2026 · 2.32% → 2.32% ▼ 0.00 pts · high 2.32% / low 2.32%
- Oct 15, 20262.32%▲ from 2.32%
- Sep 29, 20262.32%▼ from 2.32%
- Sep 25, 20262.32%▼ from 2.32%
- Sep 21, 20262.32%▼ from 2.32%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 48 Month
$0
2.32%
▼ 0.72% below Texas avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▼ 0.72% below avgNationally 2.81%
Details
Balance: $1000 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.32% → 2.32% ▼ 0.00 pts · high 2.32% / low 2.32%
- Oct 15, 20262.32%▲ from 2.32%
- Oct 13, 20262.32%▼ from 2.32%
- Sep 14, 20262.32%first recorded
Travis County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX 78702 1901
48 Month Share Certificate
$1,000
2.25%
▼ 0.79% below Texas avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▼ 0.79% below avgNationally 2.81%
Details
Maximum Deposit $250,000
Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
Certificate of Deposit 4 Year
$500
1.15%
▼ 1.89% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 1.89% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
IRA 4 Year
$500
1.15%
▼ 1.89% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 1.89% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 1.15% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.54% below Texas avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 2.54% below avgNationally 2.81%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.54% below Texas avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 2.54% below avgNationally 2.81%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.79% below Texas avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 2.79% below avgNationally 2.81%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
4 Year Certificate of Deposit
$500
0.15%
▼ 2.89% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 2.89% below avgNationally 2.81%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2110 Boca Raton Dr, Austin, TX 78747
48 Month CD
$1,000
0.05%
▼ 2.99% below Texas avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▼ 2.99% below avgNationally 2.81%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
48 Month Certificate of Deposit
$0
0.03%
▼ 3.01% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 3.01% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
IRA CD - 48 Months
$250
0.03%
▼ 3.01% below Texas avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 3.01% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7321 N Fm 620 Rd, Austin, TX 78726
48 Month Certificate of Deposit
$0
0.02%
▼ 3.02% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 3.02% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
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: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Super Jumbo Certificate
$0
4.42%
▲ 1.34% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.34% above avgNationally 2.93%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.27% → 4.42% ▲ 0.15 pts · high 4.42% / low 4.27%
- Oct 4, 20264.42%▲ from 4.27%
- Sep 14, 20264.27%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
60 Month Term Share Certificate
$0
4.35%
▲ 1.27% above Texas avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.27% above avgNationally 2.93%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 10, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Jumbo Certificate
$0
4.32%
▲ 1.24% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.24% above avgNationally 2.93%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.32% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
60 Month Term Share Certificate
$0
4.25%
▲ 1.17% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.93%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
60-Month Share Certificate
$0
4.22%
▲ 1.14% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.14% above avgNationally 2.93%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 4 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
60 Month Share Certificate
$0
3.75%
▲ 0.67% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
IRA Certificate - 60 month
$0
3.75%
▲ 0.67% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.93%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Business Certificate
$0
3.75%
▲ 0.67% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.93%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Jumbo Certificates
$0
3.75%
▲ 0.67% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.93%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
60 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.75%
▲ 0.67% above Texas avg
▼
Rate3.70%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.93%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Consumer Certificates - 60 Month
$1,000
3.75%
▲ 0.67% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.93%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Business Fixed Rate Certificates - 60 Month
$0
3.70%
▲ 0.62% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.93%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate Certificate - 60 Month
$0
3.70%
▲ 0.62% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.93%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
13860 N Highway 183, Austin, TX 78750
Fixed-Rate IRA - 60 Month
$0
3.70%
▲ 0.62% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.93%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
60 Month Certificate of Deposit
$0
3.70%
▲ 0.62% above Texas avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
5 Year IRA Certificate
$1,000
3.65%
▲ 0.57% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.57% above avgNationally 2.93%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 10, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
360 CD - 60 Months
$0
3.60%
▲ 0.52% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.52% above avgNationally 2.93%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2301 E Riverside Dr, Austin, TX 78741
60 Month 360 CD
$0
3.60%
▲ 0.52% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.52% above avgNationally 2.93%
Details
5-year online CD; CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
705 E 12th St, Austin, TX 78701 1909
5 Year Certificate
$1,000
3.60%
▲ 0.52% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.52% above avgNationally 2.93%
Details
Dividends: Quarterly; Rates effective October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
- Oct 10, 20263.60%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
60 Month Certificate
$1,000
3.50%
▲ 0.42% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▲ 0.42% above avgNationally 2.93%
Details
Balance: $1,000.00 or greater; Share Certificate; Membership required; New money eligible for promotional rate
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX 78758
60 Month IRA Certificate
$1,000
3.50%
▲ 0.42% above Texas avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▲ 0.42% above avgNationally 2.93%
Details
IRA Share Certificate; Balance: $1,000.00 or Greater; Terms of 36 months or longer lose 270 days' interest on early withdrawal
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
60 Month Fixed-Rate Certificate of Deposit
$1,000
3.45%
▲ 0.37% above Texas avg
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.37% above avgNationally 2.93%
Details
Effective 10/13/2026; Dividend Pay & Compound: Quarterly
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.45% ▲ 0.35 pts · high 3.45% / low 3.10%
- Sep 18, 20263.45%▲ from 3.10%
- Sep 14, 20263.10%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Certificate of Deposit - 60 Months
$1,000
3.45%
▲ 0.37% above Texas avg
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.37% above avgNationally 2.93%
Details
Dividend Pay & Compound: Quarterly; Membership/Regular Savings account required; Early withdrawal subject to loss of dividends
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.45% ▲ 0.35 pts · high 3.45% / low 3.10%
- Sep 18, 20263.45%▲ from 3.10%
- Sep 14, 20263.10%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX 78758
Fixed-Rate Individual Retirement Account - 60 Months
$1,000
3.45%
▲ 0.37% above Texas avg
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.37% above avgNationally 2.93%
Details
Dividend Pay & Compound: Quarterly; Effective 10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.45% ▲ 0.35 pts · high 3.45% / low 3.10%
- Oct 14, 20263.45%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
5 Year IRA
$1,000
3.29%
▲ 0.21% above Texas avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.21% above avgNationally 2.93%
Details
Individual Retirement Account ($1,000 or above); IRAs may only be opened for terms of 1 year or more; Must maintain a minimum balance of $1,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.08% → 3.29% ▲ 0.21 pts · high 3.29% / low 3.08%
- Sep 18, 20263.29%▲ from 3.08%
- Sep 14, 20263.08%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
901 Mopac Expressway South Suite 100, Austin, TX 78746
Certificates of Deposit (CD) - 60-Month
$0
3.25%
▲ 0.17% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.17% above avgNationally 2.93%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
5 Year CD
$100,000
3.24%
▲ 0.16% above Texas avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.16% above avgNationally 2.93%
Details
Certificates of Deposit ($100,000 or above); Must maintain a minimum balance of $100,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.14% → 3.24% ▲ 0.10 pts · high 3.24% / low 3.14%
- Sep 18, 20263.24%▲ from 3.14%
- Sep 14, 20263.14%first recorded
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
11815 Alterra Pkwy, Austin, TX 78758
5 Year CD
$1,000
3.03%
▼ 0.05% below Texas avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 0.05% below avgNationally 2.93%
Details
Certificates of Deposit ($1,000 - $99,999); Must maintain a minimum balance of $1,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 2.07% → 3.03% ▲ 0.96 pts · high 3.03% / low 2.07%
- Sep 18, 20263.03%▲ from 2.07%
- Sep 14, 20262.07%first recorded
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
2705 Bee Caves Rd, Austin, TX 78746
Individual Retirement Account - 5 Years
$100
2.83%
▼ 0.25% below Texas avg
▼
Rate2.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 0.25% below avgNationally 2.93%
Details
Early withdrawal fee may apply
Rate History
1 change since Sep 18, 2026 · 2.62% → 2.83% ▲ 0.21 pts · high 2.83% / low 2.62%
- Oct 7, 20262.83%▲ from 2.62%
- Sep 18, 20262.62%first recorded
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
5 Year Certificate of Deposit
$1,000
2.70%
▼ 0.38% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 0.38% below avgNationally 2.93%
Details
Interest rates stated in annual percentage yield; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 5 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month Business Jumbo Certificate of Deposit (CD)
$100,000
2.50%
▼ 0.58% below Texas avg
▼
Rate2.47%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.93%
Details
Balance: $100,000 and above
Rate History
No change since Oct 19, 2026 · 2.50% APY
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month CD
$500
2.50%
▼ 0.58% below Texas avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.93%
Details
Standard Certificates of Deposit (CD) ($500.00 - $99,999.99)
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month Jumbo CD
$0
2.50%
▼ 0.58% below Texas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.93%
Details
Jumbo Certificates of Deposit ($100,000 and above)
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
60 Month Standard IRA CD
$0
2.50%
▼ 0.58% below Texas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.93%
Details
Balance: $500.00 - $99,999.99; IRA Standard CDs
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Business 60 Month CD
$500
2.50%
▼ 0.58% below Texas avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▼ 0.58% below avgNationally 2.93%
Details
Balance: $500.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.48%
▼ 0.60% below Texas avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▼ 0.60% below avgNationally 2.93%
Details
Balance: $100,000 & Over
Rate History
4 changes since Sep 14, 2026 · 2.48% → 2.48% ▼ 0.00 pts · high 2.48% / low 2.48%
- Oct 15, 20262.48%▼ from 2.48%
- Sep 29, 20262.48%▲ from 2.48%
- Sep 25, 20262.48%▼ from 2.48%
- Sep 21, 20262.48%▼ from 2.48%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 60 Month
$0
2.48%
▼ 0.60% below Texas avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▼ 0.60% below avgNationally 2.93%
Details
Balance: $100,000 & Over
Rate History
2 changes since Sep 14, 2026 · 2.48% → 2.48% ▼ 0.00 pts · high 2.48% / low 2.48%
- Oct 15, 20262.48%▼ from 2.48%
- Oct 13, 20262.48%▲ from 2.48%
- Sep 14, 20262.48%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.43%
▼ 0.65% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▼ 0.65% below avgNationally 2.93%
Details
Balance: $50,000.00 - $99,999.99
Rate History
4 changes since Sep 14, 2026 · 2.43% → 2.43% ▼ 0.00 pts · high 2.43% / low 2.43%
- Oct 15, 20262.43%▼ from 2.43%
- Sep 29, 20262.43%▲ from 2.43%
- Sep 25, 20262.43%▼ from 2.43%
- Sep 21, 20262.43%▼ from 2.43%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 60 Month
$0
2.43%
▼ 0.65% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▼ 0.65% below avgNationally 2.93%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 2.43% → 2.43% ▼ 0.00 pts · high 2.43% / low 2.43%
- Oct 15, 20262.43%▼ from 2.43%
- Oct 13, 20262.43%▲ from 2.43%
- Sep 14, 20262.43%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
60 Month Share Certificate
$0
2.38%
▼ 0.70% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▼ 0.70% below avgNationally 2.93%
Details
Balance: $1000 - $49,999.99
Rate History
4 changes since Sep 14, 2026 · 2.38% → 2.38% ▼ 0.00 pts · high 2.38% / low 2.38%
- Oct 15, 20262.38%▼ from 2.38%
- Sep 29, 20262.38%▲ from 2.38%
- Sep 25, 20262.38%▼ from 2.38%
- Sep 21, 20262.38%▼ from 2.38%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12730 Research Blvd, Austin, TX 78759
IRA Share Certificate - 60 Month
$0
2.38%
▼ 0.70% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▼ 0.70% below avgNationally 2.93%
Details
Balance: $1000 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.38% → 2.38% ▼ 0.00 pts · high 2.38% / low 2.38%
- Oct 15, 20262.38%▼ from 2.38%
- Oct 13, 20262.38%▲ from 2.38%
- Sep 14, 20262.38%first recorded
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
60 Month Personal CD
$1,000
2.27%
▼ 0.81% below Texas avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 0.81% below avgNationally 2.93%
Details
Balance: $250,000 & Up
Rate History
No change since Oct 14, 2026 · 2.27% APY
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
60 Month Personal CD
$1,000
2.02%
▼ 1.06% below Texas avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 1.06% below avgNationally 2.93%
Details
Balance: $10,000 to $249,999.99
Rate History
No change since Oct 14, 2026 · 2.02% APY
Travis County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX 78702 1901
60 Month Share Certificate
$1,000
2.02%
▼ 1.06% below Texas avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▼ 1.06% below avgNationally 2.93%
Details
Maximum Deposit $250,000
Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 2 times
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1111 W 6th St Bldg B Ste 200, Austin, TX 78703
60 Month Personal CD
$1,000
1.76%
▼ 1.32% below Texas avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 1.32% below avgNationally 2.93%
Details
Balance: $1,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 1.76% APY
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
60 Month Jumbo CD
$90,000
1.50%
▼ 1.58% below Texas avg
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 1.58% below avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
911 W 38th St, Austin, TX 78705
60 Month Standard CD
$1,000
1.50%
▼ 1.58% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 1.58% below avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
Certificate of Deposit 5 Year
$500
1.25%
▼ 1.83% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 1.83% below avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1030 Norwood Park Blvd, Austin, TX 78753
IRA 5 Year
$500
1.25%
▼ 1.83% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 1.83% below avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 1.25% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4101 Marathon Blvd, Austin, TX 78756
Jumbo CD - 5-Year Jumbo
$100,000
0.50%
▼ 2.58% below Texas avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 2.58% below avgNationally 2.93%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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
3.411%
▲ 0.034 vs 7 days ago
Texas 12-month CD rates rose 0.034 points over the past 7 days to 3.411% APY.
6-Month CD TX Avg
3.268%
▲ 0.017 vs 7 days ago
Texas 6-month CD rates rose 0.017 points over the past 7 days to 3.268% APY.
As of Oct 19, 2026 • Rate data sourced from 8,500+ monitored institutions
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TX CD Rate Forecast, Next 12 Months
Where are Texas CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
3.411%
6-Month Forecast
3.411%
Range: 3.21%, 3.56%
12-Month Forecast
3.661%
Range: 3.46%, 3.81%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.508% | $125.42 | $250.83 | $627.08 | $1,254.15 |
| 6-Month CD | 3.268% | $163.42 | $326.83 | $817.07 | $1,634.15 |
| 12-Month CD | 3.411% | $170.53 | $341.06 | $852.65 | $1,705.30 |
| 18-Month CD | 3.282% | $164.09 | $328.17 | $820.43 | $1,640.85 |
| 24-Month CD | 3.234% | $161.70 | $323.40 | $808.50 | $1,617.00 |
| 36-Month CD | 3.141% | $157.07 | $314.13 | $785.33 | $1,570.65 |
| 48-Month CD | 3.037% | $151.83 | $303.65 | $759.13 | $1,518.25 |
| 60-Month CD | 3.083% | $154.16 | $308.31 | $770.78 | $1,541.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
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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 | 2.508% | $125.42 |
| 2 | 6-Month CD | $5,000 | 3.268% | $163.42 |
| 3 | 12-Month CD | $5,000 | 3.411% | $170.53 |
| 4 | 24-Month CD | $5,000 | 3.234% | $161.70 |
| 5 | 36-Month CD | $5,000 | 3.141% | $157.07 |
| Total ($25,000 invested) | $25,000 | 3.113% blended | $778.14/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.
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3,600
CD Rates
Tracked in Austin, Texas
Tracked in Austin, Texas
45 Banks
60 Credit Unions
About Our Austin, Texas CD Rate Database
MonitorBankRates tracks 3,600 CD rates from 45 banks and 60 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: A+ Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in 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 60 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: 105 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
$185/yr
At TX 12-mo avg 3.411% 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 3.411%, saving 10% of the local median salary ($5,428/year) and putting it in a CD would earn an additional $185 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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, Austin Capital Bank is offering its 6 Month CD at 4.30% 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 4.42% 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:
- A+ Federal Credit Union: 5.00% APY (12 Month StartUP Share Certificate)
- Austin Capital Bank: 4.58% APY (3 Month CD)
- Austin Telco Federal Credit Union: 4.42% APY (60-Month Super Jumbo Certificate)
- GREATER TEXAS: 4.35% APY (60 Month Term Share Certificate)
- Bask Bank: 4.35% APY (Bask 12-month CD)
- Hancock Whitney Bank: 4.25% APY (24-Month Certificate of Deposit)
- Texas Capital Bank: 4.25% APY (18 Month Star Certificate of Deposit)
- Velocity Credit Union: 4.25% APY (1 Year IRA Certificate)
- Nizari Progressive Federal Credit Union: 4.13% APY (Momentum Share Certificate - 3 Month Special)
- University Federal Credit Union: 4.10% APY (Business Fixed Rate Certificates - 24 Month)
Rates reflect recent verified offers available in Austin, Texas. Last Updated: October 19, 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
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Austin, Texas
Austin, Texas CD Calculator
At today’s TX top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Austin, Texas CD LadderTX CD rates currently range from 2.508% (3-month) to 3.141% (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 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 3.411% 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: October 19, 2026
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