MonitorBankRates
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CD Rate Trends

Bardwell, Texas Best CD Rates September 2026

Current Bardwell, Texas CD rates include USE Federal Credit UnionUSE Federal Credit UnionA+5.0 ★Texas Ratio: 1.14%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month CD at 5.00% APY, Bank of the PanhandleBank of the PanhandleA5.0 ★Texas Ratio: 12.98%Real return: +2.04%APY minus CPI (February 2026) offering 6 Month Certificate at 4.84% APY, ADVANCIALADVANCIALA5.0 ★Texas Ratio: 10.42%Real return: +1.69%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY, MapleMark BankMapleMark BankA+5.0 ★Texas Ratio: 4.88%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month CD at 4.40% APY, and First Community Credit Union Houston, TXFirst Community Credit Union Houston, TXA+5.0 ★Texas Ratio: 3.51%Real return: +1.55%APY minus CPI (February 2026) offering Business CD - 2 Year at 4.35% APY. CD rates as of September 12, 2026 according to verified data from MonitorBankRates.

Bardwell is a smaller community with no bank or credit union branches currently in our database. 751 institutions serving the Texas area are available to Bardwell residents, with CD rates as high as 5.00% APY from USE Federal Credit Union. 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: September 12, 2026

Compare Best CD Rates in Bardwell, Texas & the Surrounding Area

Bardwell 3 Month CD Rates

National 3 Month CD Average2.02% APY▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Days
$0
4.84% ▲ 2.82% above national avg
Rate4.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 2.82% above avg
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32% ▲ 2.30% above national avg
Rate4.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 2.30% above avg
Details

APY* Assumes no compounding, interest paid annually or at maturity.

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 3 month
$5,000
4.30% ▲ 2.28% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 2.28% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 3 month
$5,000
4.20% ▲ 2.18% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 2.18% above avg
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Momentum Share Certificate Rate - 3 Month Special
$0
4.13% ▲ 2.11% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 2.11% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 3 month
$5,000
4.10% ▲ 2.08% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 2.08% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (3 months)
$250,001
4.02% ▲ 2.00% above national avg
Rate3.95%
Min Deposit$250,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 2.00% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$0
4.00% ▲ 1.98% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.98% above avg
Details

Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3-Month HYRC Certificate
$1,000
4.00% ▲ 1.98% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.98% above avg
Details

High-Yield Rewards Checking Account required

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$100,001
3.92% ▲ 1.90% above national avg
Rate3.85%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.90% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
90 Day
$1,000
3.90% ▲ 1.88% above national avg
Rate3.84%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.88% above avg
Details

Compounded: ; Credited: At Maturity

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$50,001
3.87% ▲ 1.85% above national avg
Rate3.80%
Min Deposit$50,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.85% above avg
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 3 Month CD
$500
3.85% ▲ 1.83% above national avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.83% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (3 months)
$1,000
3.82% ▲ 1.80% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.80% above avg
Details

Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.78% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.02%▲ 1.78% above avg
Details

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day CD
$0
3.80% ▲ 1.78% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.78% above avg
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificates of Deposit (CD) - 3-Month
$0
3.75% ▲ 1.73% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.73% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3-Month Certificate
$1,000
3.75% ▲ 1.73% above national avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.73% above avg
Details

Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3-Months CD
$1,000
3.70% ▲ 1.68% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.68% above avg
Details

The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.

Interstate Bank
Institution Rating:
C-3.5 ★Texas Ratio: 26.84%
3 Month Certificate
$100,000
3.65% ▲ 1.63% above national avg
Rate3.60%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.63% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
90 Day
$0
3.60% ▲ 1.58% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.58% above avg
Details

Balance: $500,000+

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
90 Day Jumbo CD
$0
3.60% ▲ 1.58% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.58% above avg
Details

Jumbo CDs require $500,000 and over. Annual Percentage Yield effective as of 09/10/2026. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account.

FNB of Hereford
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
90 Day
$0
3.55% ▲ 1.53% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.53% above avg
Details

Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Days
$0
3.51% ▲ 1.49% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.49% above avg
Details

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3-Month Certificate
$0
3.51% ▲ 1.49% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.49% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Consumer Certificates - 3 Month
$0
3.50% ▲ 1.48% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.48% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Certificates or more) - 3 Month
$0
3.50% ▲ 1.48% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.48% above avg
Details

$95,000

Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3 Month CD
$1,000
3.50% ▲ 1.48% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.48% above avg
Details

Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3-month Term
$0
3.50% ▲ 1.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.48% above avg
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3 Month Certificate
$1,000
3.45% ▲ 1.43% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.43% above avg
Details

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40% ▲ 1.38% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.38% above avg
Details

Interest Payment Options: Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Days
$0
3.40% ▲ 1.38% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.38% above avg
Details

Interstate Bank
Institution Rating:
C-3.5 ★Texas Ratio: 26.84%
3 Month Certificate
$500
3.39% ▲ 1.37% above national avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.37% above avg
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
90 Day
$0
3.35% ▲ 1.33% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.33% above avg
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months CD
$1,000
3.35% ▲ 1.33% above national avg
Rate3.31%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.33% above avg
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months IRA
$1,000
3.35% ▲ 1.33% above national avg
Rate3.31%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.33% above avg
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3-Month Share Certificate
$0
3.35% ▲ 1.33% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.33% above avg
Details

Regular

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
IRA Certificate - 3-Month
$0
3.35% ▲ 1.33% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.33% above avg
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
IRA Certificates - 3-Month
$0
3.35% ▲ 1.33% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.33% above avg
Details

Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Days
$0
3.30% ▲ 1.28% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.28% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Certificate
$0
3.30% ▲ 1.28% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.28% above avg
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Super Jumbo CDs - 3 Month
$225,000
3.29% ▲ 1.27% above national avg
Rate3.25%
Min Deposit$225,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.27% above avg
Details

FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
90 Day CD
$0
3.29% ▲ 1.27% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.02%▲ 1.27% above avg
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
3 Month Certificate
$0
3.25% ▲ 1.23% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.23% above avg
Details

A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.

Texas Heritage National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
Certificates of Deposit - 90 Days
$1,000
3.25% ▲ 1.23% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.23% above avg
Details

FNB of Sonora
Institution Rating:
C+4.1 ★Texas Ratio: 26.35%
90 Days
$0
3.25% ▲ 1.23% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.23% above avg
Details

Short-term savings made easy. Access your funds quickly while earning interest.

First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
90 Day Certificate of Deposit
$0
3.25% ▲ 1.23% above national avg
Rate3.21%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.23% above avg
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Month CD
$0
3.24% ▲ 1.22% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.22% above avg
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Jumbo CDs - 3 Month
$95,000
3.24% ▲ 1.22% above national avg
Rate3.20%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.22% above avg
Details

Charter Bank TX
Institution Rating:
B+4.7 ★Texas Ratio: 19.09%
90 day Certificate of Deposit
$0
3.19% ▲ 1.17% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.02%▲ 1.17% above avg
Details

Bardwell 6 Month CD Rates

National 6 Month CD Average2.70% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificate
$0
4.84% ▲ 2.14% above national avg
Rate4.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 2.14% above avg
Details

Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
6-Month Promo Certificate
$0
4.30% ▲ 1.60% above national avg
Rate4.23%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.60% above avg
Details

Promo Certificate; New Deposits are defined as funds not currently on deposit with Chartway Credit Union.; Rate effective date April 1, 2026.; Penalty for early withdrawal.; Fees could reduce earnings on the account.; Minimum $500 balance ($100 if under 18 years old) to open.; Will renew at the current 6-month certificate rate.

Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month CD Offer
$0
4.28% ▲ 1.58% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.58% above avg
Details

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
6-month CD
$10,000
4.25% ▲ 1.55% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.55% above avg
Details

Promotional CD offer valid for FL residents. Advertised rate applies only in the state of FL. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time. Must open an account by 10/09/2026 to get the promotional rates.

T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
6 Month CD
$1,000
4.16% ▲ 1.46% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.46% above avg
Details

NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
6 month Promotional Online CD
$0
4.15% ▲ 1.45% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.45% above avg
Details

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
IRA Share Certificate 6-Month
$99,000
4.09% ▲ 1.39% above national avg
Rate4.01%
Min Deposit$99,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.39% above avg
Details

Minimum: $99,000.00 or greater; Tier 3

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Share Certificate 6-Month
$99,000
4.09% ▲ 1.39% above national avg
Rate4.01%
Min Deposit$99,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.39% above avg
Details

Minimum: $99,000.00 or greater; Tier 3

Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6-Month IRA CD Account
$1,000
4.07% ▲ 1.37% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 11, 2026
National Average2.70%▲ 1.37% above avg
Details

To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
6 Month Certificate
$0
4.07% ▲ 1.37% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.37% above avg
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
6 Month TEAL Certificate (Age 13-17)
$250
4.07% ▲ 1.37% above national avg
Rate4.00%
Min Deposit$250
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.37% above avg
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
6-Month TEAL Certificate for Teens
$250
4.07% ▲ 1.37% above national avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.37% above avg
Details

Teens Earning And Learning; Age: 13-17; compounded monthly

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6 Month Certificate
$0
4.07% ▲ 1.37% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.37% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (6 months)
$100,001
4.07% ▲ 1.37% above national avg
Rate4.00%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.37% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
180 Day
$1,000
4.05% ▲ 1.35% above national avg
Rate4.01%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.35% above avg
Details

Compounded: ; Credited: At Maturity

Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
6 month CDs
$1,000
4.04% ▲ 1.34% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.70%▲ 1.34% above avg
Details

APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04% ▲ 1.34% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.34% above avg
Details

APY* Assumes no compounding, interest paid annually or at maturity.

Colonial Savings, F.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Jumbo Certificate of Deposit - 6 months
$0
4.03% ▲ 1.33% above national avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.33% above avg
Details

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
6 Month IRA Certificate
$0
4.03% ▲ 1.33% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.33% above avg
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Jumbo Share Certificate/IRA - 6 Month
$0
4.02% ▲ 1.32% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.32% above avg
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Jumbo Share Certificate/IRA 6 Month
$0
4.02% ▲ 1.32% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.32% above avg
Details

McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
6 MONTH HIGH
$100,000
4.02% ▲ 1.32% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.32% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (6 months)
$50,001
4.02% ▲ 1.32% above national avg
Rate3.95%
Min Deposit$50,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.32% above avg
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
6 Month Share Certificate
$0
4.00% ▲ 1.30% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
180 Day CD
$0
4.00% ▲ 1.30% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Independent Retirement Accounts (IRA) - 180 Day (6 Months)
$0
4.00% ▲ 1.30% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

Morris Sheppard Texarkana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6-Month CD
$1,000
4.00% ▲ 1.30% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

Heritage USA Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.48%
6 Month Certificate
$0
4.00% ▲ 1.30% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
IRA Certificate of Deposit - 6 Month
$0
4.00% ▲ 1.30% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
6 Month CD
$100
4.00% ▲ 1.30% above national avg
Rate3.92%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
6 Month Traditional/Roth IRA
$100
4.00% ▲ 1.30% above national avg
Rate3.92%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6-Month HYRC Certificate
$1,000
4.00% ▲ 1.30% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

High-Yield Rewards Checking Account required

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Limited Time New Money 6-Month Certificate Special
$500
4.00% ▲ 1.30% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

Effective 2/26/26

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
IRA Share Certificate 6-Month
$0
4.00% ▲ 1.30% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

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

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Share Certificate 6-Month
$0
4.00% ▲ 1.30% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

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

Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Business Term Deposit -6 Months
$5,000
4.00% ▲ 1.30% above national avg
Rate3.93%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Term Deposit -6 Months
$1,000
4.00% ▲ 1.30% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.30% above avg
Details

Share Type: Regular or IRA; Dividends Paid: Monthly

Cherokee County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
6 Month Certificates
$5,000
3.97% ▲ 1.27% above national avg
Rate3.90%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.27% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (6 months)
$1,000
3.97% ▲ 1.27% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.27% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (6 months)
$100,001
3.97% ▲ 1.27% above national avg
Rate3.90%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.27% above avg
Details

FNB of Sonora
Institution Rating:
C+4.1 ★Texas Ratio: 26.35%
180 Days
$0
3.96% ▲ 1.26% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.26% above avg
Details

Great for mid-term goals. Secure growth with minimal commitment.

LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 Month Regular/ IRA
$500
3.95% ▲ 1.25% above national avg
Rate3.95%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.25% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Jumbo CDs - 6 Months
$50,000
3.95% ▲ 1.25% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.25% above avg
Details

Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (6 months)
$50,001
3.92% ▲ 1.22% above national avg
Rate3.85%
Min Deposit$50,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.22% above avg
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Jumbo Term Share Certificate (CD) - 6 month
$100,000
3.91% ▲ 1.21% above national avg
Rate3.85%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.21% above avg
Details

Beaumont Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
IRA & Share Certificates - 6 Months
$0
3.91% ▲ 1.21% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.21% above avg
Details

Over $50,000

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificates of Deposit (CD) - 6-Month
$0
3.90% ▲ 1.20% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.20% above avg
Details

First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
6 Month CD
$0
3.90% ▲ 1.20% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.20% above avg
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Share/IRA Certificates - 6 Months
$0
3.90% ▲ 1.20% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.20% above avg
Details

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
IRA Share Certificate 6-Month
$0
3.89% ▲ 1.19% above national avg
Rate3.82%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.70%▲ 1.19% above avg
Details

Balance: $1,000.00 - $49,999.99; Tier 1

Bardwell 12 Month CD Rates

National 12 Month CD Average2.88% APY▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12 Month CD
$500
5.00% ▲ 2.12% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 2.12% above avg
Details

Fees may reduce earnings. Early withdrawal penalty: 180 days' dividends.

Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
12 Month Certificate
$0
4.58% ▲ 1.70% above national avg
Rate4.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.70% above avg
Details

Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month IRA Certificate
$0
4.34% ▲ 1.46% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.46% above avg
Details

Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
12 Month Certificate
$0
4.25% ▲ 1.37% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.37% above avg
Details

Special Rate

Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
12-Month IRA Term Share Certificate
$500
4.25% ▲ 1.37% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.37% above avg
Details

Special 12-Month at 4.25% APY* with $500 minimum deposit. This Promo is also available for Educational, Roth, and Traditional 12-Month IRA Term Share Certificates! Fees may reduce earning on accounts. Dividends compounded and credited monthly on all share accounts, share certificates, & IRA certificates. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.

Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
12-Month Term Share Certificate
$500
4.25% ▲ 1.37% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.37% above avg
Details

Special 12-Month at 4.25% APY* with $500 minimum deposit. This Promo is also available for Educational, Roth, and Traditional 12-Month IRA Term Share Certificates! Fees may reduce earning on accounts. Dividends compounded and credited monthly on all share accounts, share certificates, & IRA certificates. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.

Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
TERM IRA SHARE CERTIFICATES - 12 Months
$0
4.25% ▲ 1.37% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.37% above avg
Details

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
IRA Share Certificate 12-Month
$99,000
4.24% ▲ 1.36% above national avg
Rate4.15%
Min Deposit$99,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.36% above avg
Details

Minimum: $99,000.00 or greater; Tier 3

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Share Certificate 12-Month
$99,000
4.24% ▲ 1.36% above national avg
Rate4.15%
Min Deposit$99,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.36% above avg
Details

Minimum: $99,000.00 or greater; Tier 3

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1 Year Certificate
$90,000
4.23% ▲ 1.35% above national avg
Rate4.15%
Min Deposit$90,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.35% above avg
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
12 Month Certificate
$2,000
4.18% ▲ 1.30% above national avg
Rate
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.30% above avg
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
IRA / 12 Month Certificate
$2,000
4.18% ▲ 1.30% above national avg
Rate
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.30% above avg
Details

Beaumont Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
IRA & Share Certificates - 12 Months
$0
4.17% ▲ 1.29% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.29% above avg
Details

Over $50,000

T Bank
Institution Rating:
C4.0 ★Texas Ratio: 26.72%
12 Month CD
$1,000
4.16% ▲ 1.28% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.28% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month CD
$0
4.15% ▲ 1.27% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.88%▲ 1.27% above avg
Details

APY as high as

State Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.15%
High-Rate Jumbo 12-Month CD
$100,000
4.15% ▲ 1.27% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.27% above avg
Details

This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. New money deposits only.

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
12 Month IRA Certificate
$0
4.15% ▲ 1.27% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.27% above avg
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12-month Certificate
$1,000
4.15% ▲ 1.27% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.27% above avg
Details

Minimum to Avoid Service Charge: $0

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
IRA Share Certificate 12-Month
$0
4.14% ▲ 1.26% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.26% above avg
Details

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

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Share Certificate 12-Month
$0
4.14% ▲ 1.26% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.26% above avg
Details

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

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1 Year Certificate
$25,000
4.13% ▲ 1.25% above national avg
Rate4.05%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.25% above avg
Details

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
12 Month Certificate
$0
4.13% ▲ 1.25% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.25% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Jumbo CDs - 12 Months
$50,000
4.11% ▲ 1.23% above national avg
Rate4.03%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.23% above avg
Details

Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
12 Month Certificate
$1,000
4.10% ▲ 1.22% above national avg
Rate4.04%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.22% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
12 Month EZ Saver
$50
4.10% ▲ 1.22% above national avg
Rate4.04%
Min Deposit$50
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.22% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
1-Year CD
$1
4.10% ▲ 1.22% above national avg
Rate
Min Deposit$1
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.22% above avg
Details

Cabot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month CD
$5,000
4.10% ▲ 1.22% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.22% above avg
Details

Common Cents Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
12-Month CD
$0
4.08% ▲ 1.20% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.20% above avg
Details

Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12-Month IRA
$0
4.08% ▲ 1.20% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.20% above avg
Details

Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
12 Month Certificate
$0
4.07% ▲ 1.19% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.19% above avg
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
12 Month Certificate
$0
4.07% ▲ 1.19% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.19% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (1 year)
$250,001
4.07% ▲ 1.19% above national avg
Rate4.00%
Min Deposit$250,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.19% above avg
Details

Beaumont Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
IRA & Share Certificates - 12 Months
$0
4.07% ▲ 1.19% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.19% above avg
Details

Under $50,000

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12-Month Super Jumbo Certificate
$225,000
4.06% ▲ 1.18% above national avg
Rate4.00%
Min Deposit$225,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.18% above avg
Details

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
IRA Share Certificate 12-Month
$0
4.04% ▲ 1.16% above national avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.16% above avg
Details

Balance: $1,000.00 - $49,999.99; Tier 1

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Share Certificate 12-Month
$0
4.04% ▲ 1.16% above national avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.16% above avg
Details

Balance: $1,000.00 - $49,999.99; Tier 1

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1 Year Certificate
$1,000
4.02% ▲ 1.14% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.14% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (1 year)
$100,001
4.02% ▲ 1.14% above national avg
Rate3.95%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.14% above avg
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Jumbo Term Share Certificate (CD) - 12 month
$100,000
4.01% ▲ 1.13% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.13% above avg
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
1-year online CDs
$0
4.00% ▲ 1.12% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month Certificate
$0
4.00% ▲ 1.12% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
12 Month Certificate
$0
4.00% ▲ 1.12% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
12-month CD
$10,000
4.00% ▲ 1.12% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Promotional CD offer valid for FL residents. Advertised rate applies only in the state of FL. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time. Must open an account by 10/09/2026 to get the promotional rates.

Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12-Month CD
$1,000
4.00% ▲ 1.12% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Competitive Rate

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 month CD
$1,000
4.00% ▲ 1.12% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12 mos. Cert
$0
4.00% ▲ 1.12% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12 mos. IRA Cert
$0
4.00% ▲ 1.12% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12 mos. Roth IRA Cert
$0
4.00% ▲ 1.12% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
12 Month Certificate
$0
4.00% ▲ 1.12% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1-YEAR CD
$1,000
4.00% ▲ 1.12% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.88%▲ 1.12% above avg
Details

Bardwell 18 Month CD Rates

National 18 Month CD Average2.75% APY▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.30% ▲ 1.55% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.55% above avg
Details

APY as high as

Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25% ▲ 1.50% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.50% above avg
Details

Bump-Up CD; Available for a limited time only!; Available in Dubuque, Lubbock, Albuquerque, and Boise. Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
18 Month Certificate
$1,000
4.15% ▲ 1.40% above national avg
Rate4.09%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.40% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Super Jumbo Certificate
$225,000
4.11% ▲ 1.36% above national avg
Rate4.05%
Min Deposit$225,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.36% above avg
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Business 18-Month
$1,000
4.10% ▲ 1.35% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.35% above avg
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
18 Month Certificate
$1,000
4.07% ▲ 1.32% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.32% above avg
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Renewal: Automatic with 10-day grace period

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
18 Month Term Share Certificate
$1,000
4.07% ▲ 1.32% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.32% above avg
Details

Dividends Compounded Monthly Dividends Credited Monthly Renewal Automatic with 10-day grace period

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18-month Certificate
$1,000
4.05% ▲ 1.30% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.30% above avg
Details

Minimum to Avoid Service Charge: $0

Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
18 Months Add-On IRA
$0
4.03% ▲ 1.28% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.28% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Jumbo Certificate
$95,000
4.01% ▲ 1.26% above national avg
Rate3.95%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.26% above avg
Details

Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18-Month CD
$1,000
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details

Competitive Rate

HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
6 - 18 Months Flex Share Certificate Special
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details

HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
6-18 Month Flex Share Certificate
$10,000
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details

Offer valid on new Flex Share Certificate accounts only. The 4.00% APY applies only to the amount deposited at account opening; additional deposits are not permitted. Promotional rate available for certificates opened January 28-July 31 2026

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional IRA Certificate - 18 Month
$100,000
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details

Traditional/Roth IRA Certificates.

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Consumer Certificates - 18 Month
$0
4.00% ▲ 1.25% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Certificates or more) - 18 Month
$0
4.00% ▲ 1.25% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details

$95,000

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Months
$50,000
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Share Certificate
$1,000
3.91% ▲ 1.16% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.16% above avg
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Jumbo Term Share Certificate (CD) - 18 month
$100,000
3.91% ▲ 1.16% above national avg
Rate3.85%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.16% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Jumbo CDs - 18 Months
$50,000
3.91% ▲ 1.16% above national avg
Rate3.84%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.16% above avg
Details

Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 18 Month CD
$500
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.15% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.15% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate
$0
3.85% ▲ 1.10% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.10% above avg
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
18 Month CD
$100
3.85% ▲ 1.10% above national avg
Rate3.79%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.10% above avg
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
18 Month Traditional/Roth IRA
$100
3.85% ▲ 1.10% above national avg
Rate3.79%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.10% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Term Share Certificates - 18 Months
$0
3.82% ▲ 1.07% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.07% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
IRA Certificates - 18 Month
$100
3.80% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18 Month Certificate
$0
3.80% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

Morris Sheppard Texarkana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
18-Month CD
$1,000
3.80% ▲ 1.05% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month Certificate
$100
3.80% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Term Share Certificate (CD) - 18 month
$100
3.80% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
18 Month Certificate
$0
3.80% ▲ 1.05% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Share/IRA Certificates - 18 Months
$0
3.80% ▲ 1.05% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 18-Month
$5,000
3.80% ▲ 1.05% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Term Share Certificates
$1,000
3.80% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Standard CDs - 18 Months
$1,000
3.80% ▲ 1.05% above national avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month IRA Certificate
$1,000
3.80% ▲ 1.05% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

Dividends pay & compound: Quarterly

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$95,000
3.80% ▲ 1.05% above national avg
Rate3.73%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Term Share Certificates/Certificates of Deposit - 18 Months
$0
3.80% ▲ 1.05% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.05% above avg
Details

JUMBO

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18 Month Certificate
$0
3.76% ▲ 1.01% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.01% above avg
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18 mos. Cert
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18 mos. IRA Cert
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18 mos. Roth IRA Cert
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
IRA Certificate - 18 month
$0
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
18 Month Certificate
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
18 Month Regular/ IRA
$500
3.75% ▲ 1.00% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month Certificate
$0
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month IRA Certificate
$0
3.75% ▲ 1.00% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
18-Month CD
$0
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

Bardwell 24 Month CD Rates

National 24 Month CD Average2.78% APY▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
24 Month CD
$500
5.00% ▲ 2.22% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 2.22% above avg
Details

Fees may reduce earnings. Early withdrawal penalty: 180 days' dividends.

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 2 Year
$5,000
4.35% ▲ 1.57% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.57% above avg
Details

Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24-Month IRA
$0
4.34% ▲ 1.56% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.56% above avg
Details

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.30% ▲ 1.52% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.78%▲ 1.52% above avg
Details

APY as high as

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2 Years Certificate
$90,000
4.28% ▲ 1.50% above national avg
Rate4.20%
Min Deposit$90,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.50% above avg
Details

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.47% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.47% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 2 Year
$5,000
4.25% ▲ 1.47% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.47% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
24 Month Certificate
$1,000
4.20% ▲ 1.42% above national avg
Rate4.14%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.42% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2 Years Certificate
$25,000
4.18% ▲ 1.40% above national avg
Rate4.10%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.40% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 2 Year
$5,000
4.15% ▲ 1.37% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.37% above avg
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2 Year Certificate
$100,000
4.15% ▲ 1.37% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.37% above avg
Details

Promotion is for a limited time on a 2-year share certificate (Consumer and Business) with a $100,000 minimum deposit.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-Month Super Jumbo Certificate
$225,000
4.11% ▲ 1.33% above national avg
Rate4.05%
Min Deposit$225,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.33% above avg
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
24 Month Certificate
$0
4.10% ▲ 1.32% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.32% above avg
Details

A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Fixed-Rate IRA - 24 Month
$0
4.10% ▲ 1.32% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.32% above avg
Details

Fees could reduce earnings.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 1.32% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.32% above avg
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Kidicate Share Certificate (24 Months)
$0
4.08% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.30% above avg
Details

Max Balance: $100,000

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2 Years Certificate
$1,000
4.07% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.29% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (2 year)
$250,001
4.07% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$250,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.29% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Intrafi CDARS - 2 Years
$10,000
4.05% ▲ 1.27% above national avg
Rate3.97%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.27% above avg
Details

Compounded: Daily; Credited: At Maturity

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 1.27% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.27% above avg
Details

Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 Month IRA Certificate
$0
4.03% ▲ 1.25% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.25% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (2 year)
$100,001
4.02% ▲ 1.24% above national avg
Rate3.95%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.24% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Term Share Certificates - 2 Year
$0
4.02% ▲ 1.24% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.24% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-Month Jumbo Certificate
$95,000
4.01% ▲ 1.23% above national avg
Rate3.95%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.23% above avg
Details

Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
24-Month CD
$1,000
4.00% ▲ 1.22% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details

Competitive Rate

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Certificate
$0
4.00% ▲ 1.22% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 to 2 Years
$1,000
4.00% ▲ 1.22% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details

Early Withdrawal Penalty: 90 Days' Dividends

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Consumer Certificates - 24 Month
$0
4.00% ▲ 1.22% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Certificates or more) - 24 Month
$0
4.00% ▲ 1.22% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details

$95,000

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
24 Month Certificate
$2,000
3.97% ▲ 1.19% above national avg
Rate
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.19% above avg
Details

Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
IRA / 24 Month Certificate
$2,000
3.97% ▲ 1.19% above national avg
Rate
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.19% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
IRA 24 MONTHS
$95,000
3.97% ▲ 1.19% above national avg
Rate
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.19% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (2 year)
$50,001
3.97% ▲ 1.19% above national avg
Rate3.90%
Min Deposit$50,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.19% above avg
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
24 Month Step-Up
$0
3.95% ▲ 1.17% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.17% above avg
Details

A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Business 24 Month Step-Up
$0
3.95% ▲ 1.17% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.17% above avg
Details

A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Fixed-Rate IRA - 24 Month Step-Up
$0
3.95% ▲ 1.17% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.17% above avg
Details

Fees could reduce earnings.

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (2 year)
$1,000
3.92% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.14% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Term Share Certificates - 2 Year
$0
3.92% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.14% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-Month Share Certificate
$1,000
3.91% ▲ 1.13% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.13% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Jumbo CDs - 24 Months
$50,000
3.91% ▲ 1.13% above national avg
Rate3.84%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.13% above avg
Details

Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 24 Month CD
$500
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.12% above avg
Details

Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
24 Month IRA Certificate
$0
3.90% ▲ 1.12% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.12% above avg
Details

Balance: $50,000+

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
24 Month Certificate
$0
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.12% above avg
Details

Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2-YEAR CD
$1,000
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.12% above avg
Details

Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
TEEN Share Certificate of Deposits - 2-YEAR CD
$100
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.12% above avg
Details

Age 13-17

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
24-Month HYRC Certificate
$1,000
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.12% above avg
Details

High-Yield Rewards Checking Account required

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$95,000
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.12% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Term Share Certificates/Certificates of Deposit - 24 Months
$0
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.12% above avg
Details

JUMBO

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month Certificate
$0
3.87% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.09% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
IRA 24 MONTHS
$500
3.87% ▲ 1.09% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.09% above avg
Details

Bardwell 36 Month CD Rates

National 36 Month CD Average2.71% APY▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
36 Month CD
$500
5.00% ▲ 2.29% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 2.29% above avg
Details

Fees may reduce earnings. Early withdrawal penalty: 360 days' dividends.

MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40% ▲ 1.69% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.69% above avg
Details

APY as high as

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 3 Year
$5,000
4.35% ▲ 1.64% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.64% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 Years Certificate
$90,000
4.33% ▲ 1.62% above national avg
Rate4.25%
Min Deposit$90,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.62% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 Years Certificate
$25,000
4.23% ▲ 1.52% above national avg
Rate4.15%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.52% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Super Jumbo Certificate
$225,000
4.16% ▲ 1.45% above national avg
Rate4.10%
Min Deposit$225,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.45% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 Years Certificate
$1,000
4.13% ▲ 1.42% above national avg
Rate4.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.42% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
36 Month Certificate
$1,000
4.10% ▲ 1.39% above national avg
Rate4.04%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.39% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
IRA 36 MONTHS
$95,000
4.07% ▲ 1.36% above national avg
Rate
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.36% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Jumbo Certificate
$95,000
4.06% ▲ 1.35% above national avg
Rate4.00%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.35% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.34% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.34% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Intrafi CDARS - 3 Years
$10,000
4.00% ▲ 1.29% above national avg
Rate3.92%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.29% above avg
Details

Compounded: Daily; Credited: At Maturity

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificate
$1,000
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.29% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.29% above avg
Details

Traditional/Roth IRA Certificates.

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2 to 3 Years
$1,000
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.29% above avg
Details

Early Withdrawal Penalty: 180 Days' Dividends

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
IRA 36 MONTHS
$500
3.97% ▲ 1.26% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.26% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Term Share Certificates - 3 Year
$0
3.97% ▲ 1.26% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.26% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Share Certificate
$1,000
3.96% ▲ 1.25% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.25% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$50,000
3.95% ▲ 1.24% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.24% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
3 YEAR CERTIFICATE
$95,000
3.92% ▲ 1.21% above national avg
Rate
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.21% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
36-Month IRA Share CD
$0
3.92% ▲ 1.21% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.21% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
36-Month Jumbo Share CD
$0
3.92% ▲ 1.21% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.21% above avg
Details

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 3 years
$0
3.91% ▲ 1.20% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.20% above avg
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 36 Month CD
$500
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
36 Month Certificate
$0
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$95,000
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Term Share Certificates/Certificates of Deposit - 36 Months
$0
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

JUMBO

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
36-Month Jr Jumbo Share CD
$0
3.87% ▲ 1.16% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.16% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Jumbo Step Up Certificates - 3 Year
$0
3.87% ▲ 1.16% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.16% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Term Share Certificates - 3 Year
$0
3.87% ▲ 1.16% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.16% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Jumbo CDs - 36 Months
$50,000
3.86% ▲ 1.15% above national avg
Rate3.79%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.15% above avg
Details

Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 Month IRA Share Certificate
$0
3.85% ▲ 1.14% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 Month Share Certificate
$0
3.85% ▲ 1.14% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

Posting Frequency: Quarterly

Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3 Year CD
$100,000
3.85% ▲ 1.14% above national avg
Rate3.80%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3 Year Certificate
$1,000
3.85% ▲ 1.14% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$1,000
3.85% ▲ 1.14% above national avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Term Share Certificates/Certificates of Deposit - 36 Months
$1,000
3.85% ▲ 1.14% above national avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

JUMBO $95,000+

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Jumbo Share Certificate/IRA - 3 Year
$0
3.82% ▲ 1.11% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.11% above avg
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Jumbo Share Certificate/IRA 3 Year
$0
3.82% ▲ 1.11% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.11% above avg
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
3 YEAR CERTIFICATE
$500
3.82% ▲ 1.11% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.11% above avg
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - IRA & Jumbo - 36 Month to 47 Month
$0
3.82% ▲ 1.11% above national avg
Rate3.77%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.11% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
36-Month Share CD
$0
3.82% ▲ 1.11% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.11% above avg
Details

Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
3-year CD Rate
$1,000
3.81% ▲ 1.10% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.10% above avg
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
36 Month IRA Term Share Certificates
$1,000
3.80% ▲ 1.09% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.09% above avg
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
36 Month Term Share Certificates
$1,000
3.80% ▲ 1.09% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.09% above avg
Details

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
3.80% ▲ 1.09% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.09% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Step Up Certificates - 3 Year
$0
3.76% ▲ 1.05% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.05% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
IRA Certificates - 36 Month
$100
3.75% ▲ 1.04% above national avg
Rate3.70%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.04% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 Month IRA Share Certificate
$0
3.75% ▲ 1.04% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.04% above avg
Details

Bardwell 48 Month CD Rates

National 48 Month CD Average2.71% APY▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
48 Month CD
$500
5.00% ▲ 2.29% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 2.29% above avg
Details

Fees may reduce earnings. Early withdrawal penalty: 360 days' dividends.

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4 Years Certificate
$90,000
4.33% ▲ 1.62% above national avg
Rate4.25%
Min Deposit$90,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.62% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4 Years Certificate
$25,000
4.23% ▲ 1.52% above national avg
Rate4.15%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.52% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Super Jumbo Certificate
$225,000
4.22% ▲ 1.51% above national avg
Rate4.15%
Min Deposit$225,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.51% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
48 Month Certificate
$1,000
4.15% ▲ 1.44% above national avg
Rate4.09%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.44% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4 Years Certificate
$1,000
4.13% ▲ 1.42% above national avg
Rate4.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.42% above avg
Details

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12% ▲ 1.41% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.41% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Jumbo Certificate
$95,000
4.11% ▲ 1.40% above national avg
Rate4.05%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.40% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Share Certificate
$1,000
4.01% ▲ 1.30% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.30% above avg
Details

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01% ▲ 1.30% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.30% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 4 Year
$5,000
4.00% ▲ 1.29% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.29% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 to 4 Years
$1,000
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.29% above avg
Details

Early Withdrawal Penalty: 180 Days' Dividends

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (4 year)
$100,001
3.97% ▲ 1.26% above national avg
Rate3.90%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.26% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Term Share Certificates - 4 Year
$0
3.97% ▲ 1.26% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.26% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (4 year)
$50,001
3.92% ▲ 1.21% above national avg
Rate3.85%
Min Deposit$50,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.21% above avg
Details

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 4 years
$0
3.91% ▲ 1.20% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.20% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
48 Month IRA Share Certificate
$0
3.90% ▲ 1.19% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
48 Month Share Certificate
$0
3.90% ▲ 1.19% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

Posting Frequency: Quarterly

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 4 Year
$5,000
3.90% ▲ 1.19% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$95,000
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Term Share Certificates/Certificates of Deposit - 48 Months
$0
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.19% above avg
Details

JUMBO

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - IRA & Jumbo - 48 Month to 59 Month
$0
3.87% ▲ 1.16% above national avg
Rate3.81%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.16% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
IRA Certificates (4 year)
$1,000
3.87% ▲ 1.16% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.16% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (4 year)
$100,001
3.87% ▲ 1.16% above national avg
Rate3.80%
Min Deposit$100,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.16% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Jumbo Step Up Certificates - 4 Year
$0
3.87% ▲ 1.16% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.16% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Term Share Certificates - 4 Year
$0
3.87% ▲ 1.16% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.16% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Jumbo CDs - 48 Months
$50,000
3.86% ▲ 1.15% above national avg
Rate3.79%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.15% above avg
Details

Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
48 Month IRA Share Certificate
$0
3.85% ▲ 1.14% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
48 Month Share Certificate
$0
3.85% ▲ 1.14% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

Posting Frequency: Quarterly

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$1,000
3.85% ▲ 1.14% above national avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Term Share Certificates/Certificates of Deposit - 48 Months
$1,000
3.85% ▲ 1.14% above national avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.14% above avg
Details

JUMBO $95,000+

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Jumbo Share Certificate/IRA - 4 Year
$0
3.82% ▲ 1.11% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.11% above avg
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Jumbo Share Certificate/IRA 4 Year
$0
3.82% ▲ 1.11% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.11% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (4 year)
$50,001
3.82% ▲ 1.11% above national avg
Rate3.75%
Min Deposit$50,001
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.11% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
IRA Certificates - 48 Month
$100
3.80% ▲ 1.09% above national avg
Rate3.75%
Min Deposit$100
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.09% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
48 Month IRA Share Certificate
$0
3.80% ▲ 1.09% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.09% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
48 Month Share Certificate
$0
3.80% ▲ 1.09% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.09% above avg
Details

Posting Frequency: Quarterly

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 4 Year
$5,000
3.80% ▲ 1.09% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.09% above avg
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
48 Month Term Share Certificates
$1,000
3.80% ▲ 1.09% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.09% above avg
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates (4 year)
$1,000
3.76% ▲ 1.05% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.05% above avg
Details

Beaumont Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
IRA & Share Certificates - 48 Months
$0
3.76% ▲ 1.05% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.05% above avg
Details

Over $50,000

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Step Up Certificates - 4 Year
$0
3.76% ▲ 1.05% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.05% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
48 Month IRA Share Certificate
$0
3.75% ▲ 1.04% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.04% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
48 Month Share Certificate
$0
3.75% ▲ 1.04% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.04% above avg
Details

Posting Frequency: Quarterly

JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 months - Bump Up
$1,000
3.75% ▲ 1.04% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.04% above avg
Details

BUMP Dividend Rate: 3.68%; Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
48-month Tier
$0
3.75% ▲ 1.04% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.04% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Standard CDs - 48 Months
$1,000
3.75% ▲ 1.04% above national avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.04% above avg
Details

Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Consumer Certificates - 48 Month
$0
3.75% ▲ 1.04% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.04% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Certificates or more) - 48 Month
$0
3.75% ▲ 1.04% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.71%▲ 1.04% above avg
Details

$95,000

Bardwell 60 Month CD Rates

National 60 Month CD Average2.82% APY▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49% ▲ 1.67% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.67% above avg
Details

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.39% ▲ 1.57% above national avg
Rate4.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.57% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5 Years Certificate
$90,000
4.33% ▲ 1.51% above national avg
Rate4.25%
Min Deposit$90,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.51% above avg
Details

ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 5 years
$0
4.28% ▲ 1.46% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.46% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Super Jumbo Certificate
$225,000
4.27% ▲ 1.45% above national avg
Rate4.20%
Min Deposit$225,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.45% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5 Years Certificate
$25,000
4.23% ▲ 1.41% above national avg
Rate4.15%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.41% above avg
Details

Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
60 Month Certificate
$1,000
4.20% ▲ 1.38% above national avg
Rate4.14%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.38% above avg
Details

Compounded: Quarterly; Credited: Quarterly

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Jumbo Certificate
$95,000
4.16% ▲ 1.34% above national avg
Rate4.10%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.34% above avg
Details

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5 Years Certificate
$1,000
4.13% ▲ 1.31% above national avg
Rate4.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.31% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Jumbo CDs - 60 Months
$50,000
4.11% ▲ 1.29% above national avg
Rate4.03%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.29% above avg
Details

Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.28% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.28% above avg
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 5 Year
$5,000
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.28% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Business Certificates of Deposit - 60 Months Tier Jumbo
$0
4.10% ▲ 1.28% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.28% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificate 60-month Special
$0
4.10% ▲ 1.28% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.28% above avg
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Share Certificate
$1,000
4.06% ▲ 1.24% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.24% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.23% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.23% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$0
4.05% ▲ 1.23% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.23% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60-Month IRA Share CD
$0
4.02% ▲ 1.20% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.20% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60-Month Jumbo Share CD
$0
4.02% ▲ 1.20% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.20% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month IRA Share Certificate
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month Share Certificate
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Posting Frequency: Quarterly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Certificate
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificate
$1,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional IRA Certificate - 5 Year
$100,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Traditional/Roth IRA Certificates.

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business CD - 5 Year
$5,000
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5-YEAR CERTIFICATE OF DEPOSIT
$1,000
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Guaranteed growth for life's next chapter. No fees with a low minimum balance. No monthly service fee when you maintain a $1,000 daily balance. Higher balances earn higher returns. Save by locking in our highest dividend rates. Enjoy a guaranteed rate of return. Aligned with your financial goals.

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
60-month Tier
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Smart Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Business Certificates of Deposit - 60 Months Tier
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Standard CDs - 60 Months
$1,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4 to 5 Years
$1,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 Year Certificate
$1,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Early Withdrawal Penalty: 180 Days' Dividends

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$95,000
4.00% ▲ 1.18% above national avg
Rate3.92%
Min Deposit$95,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

JUMBO

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Term Share Certificates/Certificates of Deposit - 60 Months
$0
4.00% ▲ 1.18% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

JUMBO

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificate Accounts - IRA & Jumbo - 60 Month
$0
3.97% ▲ 1.15% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.15% above avg
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60-Month Jr Jumbo Share CD
$0
3.97% ▲ 1.15% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.15% above avg
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Term Share Certificates - 5 Year
$0
3.97% ▲ 1.15% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.15% above avg
Details

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
IRA Share Certificate 60-Month
$99,000
3.96% ▲ 1.14% above national avg
Rate3.88%
Min Deposit$99,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.14% above avg
Details

Tier 3

5Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Share Certificate 60-Month
$99,000
3.96% ▲ 1.14% above national avg
Rate3.88%
Min Deposit$99,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.14% above avg
Details

Tier 3

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month IRA Share Certificate
$0
3.95% ▲ 1.13% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.13% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month Share Certificate
$0
3.95% ▲ 1.13% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.13% above avg
Details

Posting Frequency: Quarterly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 5 Year
$50,000
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.13% above avg
Details

Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Share Certificates (i) (Including IRA Certificates) - 60 Months
$0
3.95% ▲ 1.13% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.13% above avg
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$1,000
3.95% ▲ 1.13% above national avg
Rate3.87%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.13% above avg
Details

JUMBO $95,000+

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Term Share Certificates/Certificates of Deposit - 60 Months
$1,000
3.95% ▲ 1.13% above national avg
Rate3.87%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.13% above avg
Details

JUMBO $95,000+

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60-Month Share CD
$0
3.92% ▲ 1.10% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.10% above avg
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B-4.3 ★Texas Ratio: 23.44%
Consumer 60 Month CD
$500
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month IRA Share Certificate
$0
3.90% ▲ 1.08% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details

Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month Share Certificate
$0
3.90% ▲ 1.08% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details

Posting Frequency: Quarterly

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
60 Month Certificate
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 5 Year
$1,000
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Bardwell, Texas Institutions

Highest verified APYs available today, updated September 12, 2026

B Top 5 Bank Rates
Bank of the Panhandle
6 Month Certificate
A 5.0 ★ TX: 12.98%
Min: $0
4.84%
ADVANCIAL
Regular, IRA & Business Jumbo Certificates - 5 years
A 5.0 ★ TX: 10.42%
Min: $0
4.49%
MapleMark Bank
36 Month CD
A+ 5.0 ★ TX: 4.88%
Min: $0
4.40%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.32%
Bank of South Texas
6 Month CD Offer
A+ 5.0 ★ TX: 0.89%
Min: $0
4.28%
CU Top 5 Credit Union Rates
USE Federal Credit Union
12 Month CD
A+ 5.0 ★ TX: 1.14%
Min: $500
5.00%
First Community Credit Union Houston, TX
Business CD - 2 Year
A+ 5.0 ★ TX: 3.51%
Min: $5,000
4.35%
Chicago Patrolmens Federal Credit Union
24-Month IRA
A+ 5.0 ★ TX: 3.62%
Min: $0
4.34%
Fort Worth Community Credit Union
12 Month IRA Certificate
A+ 5.0 ★ TX: 2.68%
Min: $0
4.34%
Members Trust of the Southwest Federal Credit Union
3 Years Certificate
A+ 5.0 ★ TX: 1.10%
Min: $90,000
4.33%
Rates verified September 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Bardwell, TX CD Rate Trends

Compare local Bardwell, 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.

View Full Texas CD Trends
12-Month CD TX Avg
2.883%
▲ 0.471 vs 7 days ago

Texas 12-month CD rates rose 0.471 points over the past 7 days to 2.883% APY.

6-Month CD TX Avg
2.702%
▲ 0.716 vs 7 days ago

Texas 6-month CD rates rose 0.716 points over the past 7 days to 2.702% APY.

As of Sep 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

TX CD Rate Forecast, Next 12 Months

Where are Texas CD rates headed through September 2027?

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

TX 12-Month Avg APY
2.883%
6-Month Forecast
2.883%
Range: 2.68% – 3.03%
12-Month Forecast
3.133%
Range: 2.93% – 3.28%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Texas average 12-month CD APY in our database.

Spread model: The Texas 12-month CD average currently trades 1.49% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at TX CD Rates Today

Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.

CD Term TX Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.020% $101.00 $202.00 $505.00 $1,010.00
6-Month CD 2.702% $135.12 $270.24 $675.60 $1,351.20
12-Month CD 2.883% $144.13 $288.25 $720.63 $1,441.25
18-Month CD 2.746% $137.28 $274.56 $686.40 $1,372.80
24-Month CD 2.783% $139.16 $278.32 $695.80 $1,391.60
36-Month CD 2.707% $135.37 $270.74 $676.85 $1,353.70
48-Month CD 2.713% $135.65 $271.29 $678.23 $1,356.45
60-Month CD 2.818% $140.89 $281.79 $704.48 $1,408.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 12, 2026.

Sample CD Ladder for Bardwell, Texas Savers

$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit TX Avg APY Annual Earnings
1 3-Month CD $5,000 2.020% $101.00
2 6-Month CD $5,000 2.702% $135.12
3 12-Month CD $5,000 2.883% $144.13
4 24-Month CD $5,000 2.783% $139.16
5 36-Month CD $5,000 2.707% $135.37
Total ($25,000 invested) $25,000 2.619% blended $654.78/yr

Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

1,954
CD Rates
Tracked in Bardwell, Texas
44 Banks 96 Credit Unions

About Our Bardwell, Texas CD Rate Database

MonitorBankRates tracks 1,954 CD rates from 44 banks and 96 credit unions with locations in Bardwell, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: USE Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Bardwell, Texas.

How to Find the Best CD Rates in Bardwell, Texas

What to compare when shopping for a CD in Bardwell, Texas

To find the best APYs in Bardwell, Texas, start with credit unions and online-only banks: Bardwell, Texas has 96 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 Bardwell, 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 Bardwell, Texas: 140 institutions here report CD rates

Consider an Alternative If…

Texas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$44,072
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$127/yr
At TX 12-mo avg 2.883% APY

13.4% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 2.883%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $127 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 Bardwell, Texas

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Bardwell, 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 Bardwell, 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 Bardwell, Texas as everywhere in the U.S.

Choosing a CD Term in Bardwell, 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 Bardwell, Texas savers easier access to their funds. For example, Bank of the Panhandle is offering its 6 Month Certificate at 4.84% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% 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 Bardwell, 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 Bardwell, 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 Bardwell, 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 Bardwell, 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 Bardwell, Texas

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

Are CD rates in Bardwell, Texas FDIC insured?

Yes, most established banks in Bardwell, 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 Bardwell, 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 Bardwell, 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 Bardwell, 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 Bardwell, Texas?

Here are recent top rates found for this area:
  • USE Federal Credit Union: 5.00% APY (12 Month CD)
  • Bank of the Panhandle: 4.84% APY (6 Month Certificate)
  • ADVANCIAL: 4.49% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
  • MapleMark Bank: 4.40% APY (36 Month CD)
  • First Community Credit Union Houston, TX: 4.35% APY (Business CD - 2 Year)
  • Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
  • Fort Worth Community Credit Union: 4.34% APY (12 Month IRA Certificate)
  • Members Trust of the Southwest Federal Credit Union: 4.33% APY (3 Years Certificate)
  • Austin Capital Bank: 4.32% APY (3 Month CD)
  • Chartway Credit Union: 4.30% APY (6-Month Promo Certificate)
Rates reflect recent verified offers available in Bardwell, Texas. Last Updated: September 12, 2026

Bardwell, 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 Bardwell, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Bardwell, Texas CD Rates by Term

Verified September 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Bardwell, Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bardwell, 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 Bardwell, 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 Bardwell, 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: September 12, 2026

Bardwell, Texas Rates & Resources