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CD Rate Trends

Bellmead, Texas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Bellmead, Texas CD rates from banks and credit unions serving Texas range from 3.50% to 5.02% APY, verified by MonitorBankRates as of October 12, 2026. Current Bellmead, Texas CD rates include National Police Federal Credit UnionNational Police Federal Credit UnionA+5.0 ★Texas Ratio: 4.12%Real return: +2.22%APY minus CPI (February 2026) offering 36-Month IRA at 5.02% APY, A+ Federal Credit UnionA+ Federal Credit UnionA5.0 ★Texas Ratio: 11.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month StartUP Share Certificate at 5.00% APY, FIRST EAGLEFIRST EAGLEA+5.0 ★Texas Ratio: 3.56%Real return: +2.20%APY minus CPI (February 2026) offering 1 Year Certificate at 5.00% APY, Gulf Capital BankGulf Capital BankA+5.0 ★Texas Ratio: 3.09%Real return: +2.16%APY minus CPI (February 2026) offering 36 Month Jumbo Certificate of Deposit at 4.96% APY, and Advancial Federal Credit UnionAdvancial Federal Credit UnionA5.0 ★Texas Ratio: 12.30%Real return: +2.07%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Bellmead is a smaller community with no bank or credit union branches currently in our database. 751 institutions serving the Texas area are available to Bellmead residents, with CD rates as high as 5.02% APY from National Police 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: October 12, 2026

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

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Bellmead 3 Month CD Rates

Texas 3 Month CD Average2.50% APYNational 2.10%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.08% above Texas avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.10%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificate of Deposit
$0
4.44% ▲ 1.94% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 8, 2026: 4.44% APYOct 8, 2026Oct 12, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.30% ▲ 1.80% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.80% above avgNationally 2.10%
Details

Balance: $1,000,000.00+

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificate
$250,001
4.23% ▲ 1.73% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20264.23%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.20% ▲ 1.70% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.70% above avgNationally 2.10%
Details

Balance: $250,000.00 - $999,999.99

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificate
$100,001
4.18% ▲ 1.68% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20264.18%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificate
$50,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97%
3.47%4.05%4.63%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20264.13%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (3 months)
$250,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Month Certificate Special
$0
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.10%
Details

Balance: $1000.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 9, 2026: 4.13% APYOct 9, 2026Oct 12, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.10% ▲ 1.60% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.10%
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 12, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month Certificate
$0
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.10%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 12, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 3 Months
$500
4.08% ▲ 1.58% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.58% above avgNationally 2.10%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 12, 2026
  • Oct 8, 20264.08%▲ from 3.72%
  • Sep 16, 20263.72%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificate
$1,000
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.07% ▲ 0.15 pts · high 4.07% / low 3.92%
3.42%4.00%4.57%Sep 14, 2026: 3.92% APYSep 21, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20264.07%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (3 months)
$100,001
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (3 months)
$50,001
4.02% ▲ 1.52% above Texas avg
View
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.52% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.02% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
90 Day Certificate of Deposit
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.10%
Details

Balance: $500,000+; $500,000+

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
90 Day Jumbo CD
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.10%
Details

Jumbo CDs of $500,000 and over.

Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.80% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.10%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.50% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.10%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. 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.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 12, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3 Month Certificate of Deposit
$1,000
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.10%
Details

Terms available from three months to four years; Compounded and paid quarterly

Rate History
2 changes since Sep 14, 2026 · 1.25% → 4.00% ▲ 2.75 pts · high 4.00% / low 1.25%
0.00%3.38%6.75%Sep 14, 2026: 1.25% APYOct 1, 2026: 1.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 1.75%
  • Oct 1, 20261.75%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.10%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (3 months)
$1,000
3.97% ▲ 1.47% above Texas avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average2.50%▲ 1.47% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82%
3.32%3.90%4.47%Sep 14, 2026: 3.82% APYSep 21, 2026: 3.97% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20263.97%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
90 Day Certificate
$1,000
3.90% ▲ 1.40% above Texas avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.40% above avgNationally 2.10%
Details

Compounded:; Credited: At Maturity

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 12, 2026
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day Certificate of Deposit
$0
3.87% ▲ 1.37% above Texas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.37% above avgNationally 2.10%
Details

Rate History
1 change since Sep 24, 2026 · 3.51% → 3.87% ▲ 0.36 pts · high 3.87% / low 3.51%
3.01%3.69%4.37%Sep 24, 2026: 3.51% APYSep 28, 2026: 3.87% APYSep 24, 2026Oct 12, 2026
  • Sep 28, 20263.87%▲ from 3.51%
  • Sep 24, 20263.51%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.10%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 12, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$1,000
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.10%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3 Month Jumbo Share Certificate
$10,000
3.81% ▲ 1.31% above Texas avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.31% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 8, 2026: 3.81% APYOct 8, 2026Oct 12, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day Certificate
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.10%
Details

Open Account

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day Star Certificates of Deposit (CDs)
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 12, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.30% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.10%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 12, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
CD and over - 3 Months
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 12, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day CD
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 12, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate Of Deposit (CD) - 90 Day
$0
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 12, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 Month Certificates of Deposit (CD)
$0
3.75% ▲ 1.25% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month CD
$1,000
3.75% ▲ 1.25% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day Certificate of Deposit
$0
3.71% ▲ 1.21% above Texas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.10%
Details

Rate History
1 change since Sep 24, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51%
3.01%3.61%4.21%Sep 24, 2026: 3.51% APYSep 28, 2026: 3.71% APYSep 24, 2026Oct 12, 2026
  • Sep 28, 20263.71%▲ from 3.51%
  • Sep 24, 20263.51%first recorded
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3 Month Share Certificate
$1,000
3.71% ▲ 1.21% above Texas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.10%
Details

Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Oct 12, 2026
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
3-Month Certificate
$500
3.71% ▲ 1.21% above Texas avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.10%
Details

Balance: $500+; Effective: 9/17/26

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51%
3.01%3.61%4.21%Sep 14, 2026: 3.51% APYSep 22, 2026: 3.71% APYSep 14, 2026Oct 12, 2026
  • Sep 22, 20263.71%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 12, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3 Month CD to $249,999.99
$0
3.70% ▲ 1.20% above Texas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 12, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
90 Day Certificate of Deposit
$0
3.65% ▲ 1.15% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.10%
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
2.85%3.50%4.15%Sep 18, 2026: 3.35% APYSep 24, 2026: 3.50% APYOct 2, 2026: 3.65% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.65%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Interstate Bank
Institution Rating:
C-3.5 ★Texas Ratio: 26.84%
3 Month Certificate
$100,000
3.65% ▲ 1.15% above Texas avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.10%
Details

Balance: $100,000 and over

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Liquid Certificate
$0
3.65% ▲ 1.15% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Liquid Certificate
$0
3.65% ▲ 1.15% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.10% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average2.50%▲ 1.10% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.10% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Texas Average2.50%▲ 1.10% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3 Month CD
$0
3.55% ▲ 1.05% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.05% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 12, 2026
FNB of Hereford
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
90 Day Certificates of Deposit (CDs)
$0
3.55% ▲ 1.05% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.05% above avgNationally 2.10%
Details

Balance: Less than $50,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day Certificate of Deposit
$0
3.51% ▲ 1.01% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.01% above avgNationally 2.10%
Details

Rate History
No change since Sep 24, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 24, 2026: 3.51% APYSep 24, 2026Oct 12, 2026

Bellmead 6 Month CD Rates

Texas 6 Month CD Average3.25% APYNational 2.79%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6 Month Jumbo Certificate of Deposit
$0
4.54% ▲ 1.29% above Texas avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.29% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 8, 2026: 4.54% APYOct 8, 2026Oct 12, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificate 89 / 6 Month
$500
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.79%
Details

Interest Paid Monthly

Rate History
No change since Oct 9, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 9, 2026: 4.50% APYOct 9, 2026Oct 12, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificates 69 / 6 Month - Int. Monthly
$500
4.50% ▲ 1.25% above Texas avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 9, 2026: 4.50% APYOct 9, 2026Oct 12, 2026
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month CD Offer
$0
4.44% ▲ 1.19% above Texas avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 1.19% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
3.78%4.36%4.94%Sep 14, 2026: 4.28% APYOct 3, 2026: 4.44% APYSep 14, 2026Oct 12, 2026
  • Oct 3, 20264.44%▲ from 4.28%
  • Sep 14, 20264.28%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month Certificate
$0
4.33% ▲ 1.08% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.25%▲ 1.08% above avgNationally 2.79%
Details

Published APY range: 4.33%/4.32%.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.33% ▲ 0.33 pts · high 4.33% / low 4.00%
3.50%4.17%4.83%Sep 14, 2026: 4.00% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.33%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate (Age 13-17)
$250
4.33% ▲ 1.08% above Texas avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.25%▲ 1.08% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.25%▲ 1.08% above avgNationally 2.79%
Details

Teens Earning And Learning; for members age 13-17; compounded monthly.

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month 360 CDs
$0
4.30% ▲ 1.05% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.79%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6-Month Promo Certificate
$0
4.30% ▲ 1.05% above Texas avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.79%
Details

Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. 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. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate.

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.05% above Texas avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.79%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6 Month Certificate
$0
4.30% ▲ 1.05% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 12, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
6 Month Certificate of Deposit
$0
4.25% ▲ 1.00% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Share Certificates - Term Deposit -6 Months
$5,000
4.25% ▲ 1.00% above Texas avg
View
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.79%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 12, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Share Certificate - Term Deposit -6 Months
$1,000
4.25% ▲ 1.00% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 1.00% above avgNationally 2.79%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 12, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 6 Months
$500
4.24% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.99% above avgNationally 2.79%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
3.32%4.03%4.74%Sep 16, 2026: 3.82% APYOct 8, 2026: 4.24% APYSep 16, 2026Oct 12, 2026
  • Oct 8, 20264.24%▲ from 3.82%
  • Sep 16, 20263.82%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$250,001
4.23% ▲ 0.98% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.98% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 9, 2026: 4.23% APYOct 9, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$100,001
4.18% ▲ 0.93% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.93% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 12, 2026
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Share Certificate 6 Months
$0
4.18% ▲ 0.93% above Texas avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.93% above avgNationally 2.79%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
6 month Promotional Online CD
$0
4.15% ▲ 0.90% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.90% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Platinum Bump Up Certificate
$1,000
4.15% ▲ 0.90% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Texas Average3.25%▲ 0.90% above avgNationally 2.79%
Details

Over $75,000 in total shares; Rates as of May 8, 2025

Rate History
No change since Oct 5, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$50,001
4.13% ▲ 0.88% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.88% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 9, 2026: 4.13% APYOct 9, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (6 months)
$250,001
4.13% ▲ 0.88% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.88% above avgNationally 2.79%
Details

Balance: $250,001 and over

Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 4 times
3.63%4.13%4.63%Sep 21, 2026: 4.13% APYSep 21, 2026Oct 12, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6-Month Super Jumbo Certificate
$225,000
4.11% ▲ 0.86% above Texas avg
View
▼
Rate4.05%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.86% above avgNationally 2.79%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.11% ▲ 0.26 pts · high 4.11% / low 3.85%
3.35%3.98%4.61%Sep 14, 2026: 3.85% APYOct 4, 2026: 4.11% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.11%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
6 Month Jumbo CD
$50,000
4.11% ▲ 0.86% above Texas avg
View
▼
Rate4.03%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.86% above avgNationally 2.79%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Sep 22, 2026: 4.11% APYSep 22, 2026Oct 12, 2026
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6-Month IRA CD Account
$1,000
4.10% ▲ 0.85% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.85% above avgNationally 2.79%
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.

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.10% ▲ 0.03 pts · high 4.10% / low 4.07%
3.57%4.09%4.60%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.10%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month CD
$0
4.10% ▲ 0.85% above Texas avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.85% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Traditional/Roth IRA
$0
4.10% ▲ 0.85% above Texas avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.85% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
Limited Time New Money 6-Month Certificate Special
$500
4.10% ▲ 0.85% above Texas avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.85% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
IRA Shares - 6 months
$0
4.09% ▲ 0.84% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.25%▲ 0.84% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 4.09% APY
3.59%4.09%4.59%Oct 8, 2026: 4.09% APYOct 8, 2026Oct 12, 2026
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Share Certificate 6-Month (Tier 3)
$99,000
4.09% ▲ 0.84% above Texas avg
View
▼
Rate4.01%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.84% above avgNationally 2.79%
Details

Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater

Rate History
No change since Oct 10, 2026 · 4.09% APY
3.59%4.09%4.59%Oct 10, 2026: 4.09% APYOct 10, 2026Oct 12, 2026
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate 6-Month (Tier 3)
$99,000
4.09% ▲ 0.84% above Texas avg
View
▼
Rate4.01%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.84% above avgNationally 2.79%
Details

Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater

Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 6 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APYSep 14, 2026Oct 12, 2026
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 Month Certificate
$0
4.07% ▲ 0.82% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.25%▲ 0.82% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
6 Months Certificate
$0
4.07% ▲ 0.82% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.82% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$1,000
4.07% ▲ 0.82% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.82% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (6 months)
$100,001
4.07% ▲ 0.82% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.82% above avgNationally 2.79%
Details

Balance: $100,001 - $250,000

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 12, 2026
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
180 Day Certificate
$1,000
4.05% ▲ 0.80% above Texas avg
View
▼
Rate4.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.80% above avgNationally 2.79%
Details

Compounded:; Credited: At Maturity

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 12, 2026
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
180 Day EZ Saver
$50
4.05% ▲ 0.80% above Texas avg
View
▼
Rate4.01%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.80% above avgNationally 2.79%
Details

Compounded:; Credited: At Maturity

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 12, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
6 Month CD
$0
4.05% ▲ 0.80% above Texas avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.80% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 3, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 3, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Certificate
$1,000
4.05% ▲ 0.80% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Texas Average3.25%▲ 0.80% above avgNationally 2.79%
Details

Under $75,000 in total shares; Rates as of May 8, 2025

Rate History
No change since Oct 5, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 5, 2026: 4.05% APYOct 5, 2026Oct 12, 2026
Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
6 month CD
$1,000
4.04% ▲ 0.79% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.79% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 4 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 12, 2026
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
6 Month CAMPUS Share Certificate
$500
4.03% ▲ 0.78% above Texas avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.78% above avgNationally 2.79%
Details

Jumbo $90,000

Rate History
No change since Sep 18, 2026 · 4.03% APY · checked 6 times
3.53%4.03%4.53%Sep 18, 2026: 4.03% APYSep 18, 2026Oct 12, 2026
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
6 Month Members Advantage Share Certificate
$500
4.03% ▲ 0.78% above Texas avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.25%▲ 0.78% above avgNationally 2.79%
Details

Jumbo $90,000

Rate History
No change since Sep 18, 2026 · 4.03% APY · checked 6 times
3.53%4.03%4.53%Sep 18, 2026: 4.03% APYSep 18, 2026Oct 12, 2026
Colonial Savings, F.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6 Month Certificate of Deposit
$0
4.03% ▲ 0.78% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.78% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 7 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Oct 12, 2026
Colonial Savings, F.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6 Month Jumbo Certificate of Deposit
$0
4.03% ▲ 0.78% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.78% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 6 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Oct 12, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6 Month Certificate & IRA
$0
4.03% ▲ 0.78% above Texas avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.78% above avgNationally 2.79%
Details

Rate History
No change since Sep 22, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Sep 22, 2026: 4.03% APYSep 22, 2026Oct 12, 2026
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Jumbo Share Certificate/IRA
$0
4.02% ▲ 0.77% above Texas avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.25%▲ 0.77% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 4.02% APY · checked 5 times
3.52%4.02%4.52%Sep 18, 2026: 4.02% APYSep 18, 2026Oct 12, 2026
McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 MONTH HIGH
$100,000
4.02% ▲ 0.77% above Texas avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.25%▲ 0.77% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (6 months)
$50,001
4.02% ▲ 0.77% above Texas avg
View
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.25%▲ 0.77% above avgNationally 2.79%
Details

Balance: $50,001 - $100,000

Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 21, 2026: 4.02% APYSep 21, 2026Oct 12, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6-Month Certificate 70th Anniversary Special
$0
4.02% ▲ 0.77% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.25%▲ 0.77% above avgNationally 2.79%
Details

Rate History
No change since Sep 30, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 30, 2026: 4.02% APYSep 30, 2026Oct 12, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6-Month Jumbo Certificate
$95,000
4.01% ▲ 0.76% above Texas avg
View
▼
Rate3.95%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.76% above avgNationally 2.79%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 4, 2026: 4.01% APYOct 4, 2026Oct 12, 2026

Bellmead 12 Month CD Rates

Texas 12 Month CD Average3.38% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
12 Month StartUP Share Certificate
$0
5.00% ▲ 1.62% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.38%▲ 1.62% above avgNationally 2.99%
Details

Maximum Balance: $1,000

Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 12, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1 Year Certificate
$0
5.00% ▲ 1.62% above Texas avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 1.62% above avgNationally 2.99%
Details

Share Certificate Special; (must have Checking)

Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 30, 2026: 5.00% APYSep 30, 2026Oct 12, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
12 Month Jumbo Certificate of Deposit
$0
4.70% ▲ 1.32% above Texas avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.32% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 8, 2026: 4.70% APYOct 8, 2026Oct 12, 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12 Month Certificate
$0
4.65% ▲ 1.27% above Texas avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.38%▲ 1.27% above avgNationally 2.99%
Details

Rate History
No change since Sep 17, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Sep 17, 2026: 4.65% APYSep 17, 2026Oct 12, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60% ▲ 1.22% above Texas avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.22% above avgNationally 2.99%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 12, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
12 Month Certificate
$1,000
4.52% ▲ 1.14% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.52% APY · checked 2 times
4.02%4.52%5.02%Oct 8, 2026: 4.52% APYOct 8, 2026Oct 12, 2026
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
12-Month IRA CD Account
$1,000
4.50% ▲ 1.12% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.12% above avgNationally 2.99%
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.

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 Year Certificate
$90,000
4.39% ▲ 1.01% above Texas avg
View
▼
Rate4.30%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.01% above avgNationally 2.99%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 12, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 12 Months
$500
4.39% ▲ 1.01% above Texas avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.01% above avgNationally 2.99%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
3.42%4.15%4.89%Sep 16, 2026: 3.92% APYOct 8, 2026: 4.39% APYSep 16, 2026Oct 12, 2026
  • Oct 8, 20264.39%▲ from 3.92%
  • Sep 16, 20263.92%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.97% above Texas avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 12, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 month CD
$1,000
4.35% ▲ 0.97% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 10, 2026: 4.35% APYOct 10, 2026Oct 12, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Bask 12-month CD
$0
4.35% ▲ 0.97% above Texas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 12, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
12 Month Certificate
$0
4.33% ▲ 0.95% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.38%▲ 0.95% above avgNationally 2.99%
Details

Published APY range: 4.33%/4.32%.

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.33% ▲ 0.33 pts · high 4.33% / low 4.00%
3.50%4.17%4.83%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 25, 20264.07%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CDs
$0
4.30% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month CD
$0
4.30% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
12 Month CD
$500
4.30% ▲ 0.92% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 Year Certificate
$25,000
4.28% ▲ 0.90% above Texas avg
View
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.90% above avgNationally 2.99%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 8, 2026: 4.28% APYOct 8, 2026Oct 12, 2026
State Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.15%
High-Rate Jumbo 12-Month CD
$100,000
4.25% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
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. UPDATED 10-5-26 | 12:02 PM CST

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
12 Months Wealth Builder Certificate
$250
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Dividends Compounded and Credited: Monthly; Dividend Period: Monthly

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
12 Month Certificate
$0
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Balance: $500 - $999.99

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
12 Month TERM IRA SHARE CERTIFICATES
$0
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Balance: $500 - $999.99

Rate History
1 change since Sep 14, 2026 · 2.69% → 4.25% ▲ 1.56 pts · high 4.25% / low 2.69%
1.13%3.47%5.81%Sep 14, 2026: 2.69% APYSep 25, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.25%▲ from 2.69%
  • Sep 14, 20262.69%first recorded
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Special 12-Month
$500
4.25% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Feeling the Heat? Lock in a Cool Rate.

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
IRA Shares - 12 months
$0
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Month Platinum Bump Up Certificate
$1,000
4.25% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Over $75,000 in total shares; Rates as of May 8, 2025

Rate History
No change since Oct 5, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month 500 Minimum Deposit Certificate
$0
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Certificate
$0
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month CD
$0
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Traditional/Roth IRA
$0
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1 Year IRA Certificate
$1,000
4.25% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Dividends Pay & Compound: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Share Certificates - Term Deposit -12 Months
$5,000
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 12, 2026
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Share Certificate - Term Deposit -12 Months
$1,000
4.25% ▲ 0.87% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 12, 2026
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
12 Month Jumbo Share Certificate
$90,000
4.24% ▲ 0.86% above Texas avg
View
▼
Rate4.15%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.24% APY · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APYSep 18, 2026Oct 12, 2026
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
IRA Share Certificate 12-Month (Tier 3)
$99,000
4.24% ▲ 0.86% above Texas avg
View
▼
Rate4.15%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.86% above avgNationally 2.99%
Details

Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater

Rate History
No change since Oct 10, 2026 · 4.24% APY
3.74%4.24%4.74%Oct 10, 2026: 4.24% APYOct 10, 2026Oct 12, 2026
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate 12-Month (Tier 3)
$99,000
4.24% ▲ 0.86% above Texas avg
View
▼
Rate4.15%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.86% above avgNationally 2.99%
Details

Minimum: $99,000.00 or greater; Balance: $99,000.00 or greater

Rate History
No change since Sep 14, 2026 · 4.24% APY · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APYSep 14, 2026Oct 12, 2026
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Share Certificate 12 Months
$0
4.24% ▲ 0.86% above Texas avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.86% above avgNationally 2.99%
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 4.24% APY · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APYSep 14, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Year IRA Certificates
$250,001
4.23% ▲ 0.85% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 9, 2026: 4.23% APYOct 9, 2026Oct 12, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12-Month Super Jumbo Certificate
$225,000
4.22% ▲ 0.84% above Texas avg
View
▼
Rate4.15%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.84% above avgNationally 2.99%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.22% ▲ 0.16 pts · high 4.22% / low 4.06%
3.56%4.14%4.72%Sep 14, 2026: 4.06% APYOct 4, 2026: 4.22% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.22%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 Month Star Certificates of Deposit (CDs)
$0
4.20% ▲ 0.82% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 12, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1 Year Business CD
$5,000
4.20% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.82% above avgNationally 2.99%
Details

Balance: $1,000,000.00+

Rate History
3 changes since Sep 18, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 18, 2026: 3.70% APYSep 22, 2026: 3.95% APYOct 1, 2026: 4.05% APYOct 5, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.20%▲ from 4.05%
  • Oct 1, 20264.05%▲ from 3.95%
  • Sep 22, 20263.95%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
12 Month Jumbo CD
$50,000
4.20% ▲ 0.82% above Texas avg
View
▼
Rate4.13%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.82% above avgNationally 2.99%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 22, 2026: 4.20% APYSep 22, 2026Oct 12, 2026
Karnes County National Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.99%
Jumbo CD - 1 Year
$0
4.18% ▲ 0.80% above Texas avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▲ 0.80% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.04% → 4.18% ▲ 1.14 pts · high 4.18% / low 3.04%
1.90%3.61%5.32%Sep 14, 2026: 3.04% APYOct 7, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.18%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 Year Certificate
$1,000
4.18% ▲ 0.80% above Texas avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.80% above avgNationally 2.99%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 8, 2026: 4.18% APYOct 8, 2026Oct 12, 2026
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
12 Month Certificate
$2,000
4.18% ▲ 0.80% above Texas avg
View
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.38%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 5 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
IRA / 12 Month Certificate
$2,000
4.18% ▲ 0.80% above Texas avg
View
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.38%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Year IRA Certificates
$100,001
4.18% ▲ 0.80% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 12, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
12 Month Certificate & IRA
$0
4.18% ▲ 0.80% above Texas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.80% above avgNationally 2.99%
Details

Rate History
1 change since Sep 22, 2026 · 4.15% → 4.18% ▲ 0.03 pts · high 4.18% / low 4.15%
3.65%4.17%4.68%Sep 22, 2026: 4.15% APYOct 9, 2026: 4.18% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20264.18%▲ from 4.15%
  • Sep 22, 20264.15%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 12 Month to 17 Month
$0
4.17% ▲ 0.79% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.38%▲ 0.79% above avgNationally 2.99%
Details

Rate History
1 change since Oct 5, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 5, 2026: 4.12% APYOct 9, 2026: 4.17% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.17%▲ from 4.12%
  • Oct 5, 20264.12%first recorded
Beaumont Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
IRA & Share Certificates - 12 Months
$0
4.17% ▲ 0.79% above Texas avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.38%▲ 0.79% above avgNationally 2.99%
Details

Over $50,000

Rate History
No change since Sep 14, 2026 · 4.17% APY · checked 3 times
3.67%4.17%4.67%Sep 14, 2026: 4.17% APYSep 14, 2026Oct 12, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
12 Month CD (also IRA)
$0
4.15% ▲ 0.77% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.38%▲ 0.77% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYOct 3, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 3, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded

Bellmead 18 Month CD Rates

Texas 18 Month CD Average3.27% APYNational 2.87%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 - 18 Month Super Flex Term CD Special
$0
4.65% ▲ 1.38% above Texas avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 1.38% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 9, 2026: 4.65% APYOct 9, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month CD
$0
4.50% ▲ 1.23% above Texas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month Traditional/Roth IRA
$0
4.50% ▲ 1.23% above Texas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.40% ▲ 1.13% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 1.13% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month Share Certificate
$0
4.35% ▲ 1.08% above Texas avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.87%
Details

Balance: $1000

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 12, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.35% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.87%
Details

Balance: $1,000,000.00+

Rate History
3 changes since Sep 18, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Sep 18, 2026: 3.80% APYSep 22, 2026: 4.05% APYOct 1, 2026: 4.20% APYOct 5, 2026: 4.35% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.35%▲ from 4.20%
  • Oct 1, 20264.20%▲ from 4.05%
  • Sep 22, 20264.05%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month CD
$500
4.35% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.87%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
18 Month Certificate
$0
4.33% ▲ 1.06% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Texas Average3.27%▲ 1.06% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.33% ▲ 0.57 pts · high 4.33% / low 3.76%
3.19%4.05%4.90%Sep 14, 2026: 3.76% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.33%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CDs
$0
4.30% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 1.03% above avgNationally 2.87%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Super Jumbo Certificate
$225,000
4.27% ▲ 1.00% above Texas avg
View
▼
Rate4.20%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 1.00% above avgNationally 2.87%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
3.61%4.19%4.77%Sep 14, 2026: 4.11% APYOct 4, 2026: 4.27% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.27%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Star Certificates of Deposit (CDs)
$0
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Bump-Up CD; Available for a limited time only!; Increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Platinum Bump Up Certificate
$1,000
4.25% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Over $75,000 in total shares; Rates as of May 8, 2025

Rate History
No change since Oct 5, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.25% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Balance: $250,000.00 - $999,999.99

Rate History
3 changes since Sep 18, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 18, 2026: 3.80% APYSep 22, 2026: 4.05% APYOct 1, 2026: 4.20% APYOct 5, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.25%▲ from 4.20%
  • Oct 1, 20264.20%▲ from 4.05%
  • Sep 22, 20264.05%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month Jumbo CD
$50,000
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 12, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificate of Deposit - 18 Months
$50,000
4.25% ▲ 0.98% above Texas avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Jumbo ($50K plus)

Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.25% ▲ 0.95 pts · high 4.25% / low 3.30%
2.35%3.78%5.20%Sep 14, 2026: 3.30% APYSep 22, 2026: 4.15% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 4.15%
  • Sep 22, 20264.15%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20% ▲ 0.93% above Texas avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.93% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Jumbo Certificate
$95,000
4.16% ▲ 0.89% above Texas avg
View
▼
Rate4.10%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.89% above avgNationally 2.87%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 12, 2026
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
18 Month Certificate
$1,000
4.15% ▲ 0.88% above Texas avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.87%
Details

Compounded: Quarterly; Credited: Quarterly

Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 24, 2026: 4.15% APYSep 24, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.88% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.87%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Certificate
$1,000
4.15% ▲ 0.88% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.87%
Details

Under $75,000 in total shares; Rates as of May 8, 2025

Rate History
No change since Oct 5, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 12, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.15% ▲ 0.88% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.87%
Details

Balance: $100,000.00 - $249,999.99

Rate History
3 changes since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYSep 22, 2026: 4.05% APYOct 1, 2026: 4.20% APYOct 5, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.15%▼ from 4.20%
  • Oct 1, 20264.20%▲ from 4.05%
  • Sep 22, 20264.05%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month Standard CDs
$1,000
4.15% ▲ 0.88% above Texas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.87%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 18, 2026: 3.80% APYSep 22, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Sep 22, 20264.15%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
18-Month CD
$20,000
4.15% ▲ 0.88% above Texas avg
View
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 24, 2026: 4.15% APYSep 24, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 0.83% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
18 Month IRA & Roth IRA Certificate
$0
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
18 Month Standard Certificates
$0
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 22, 2026: 3.75% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
18 Month Traditional & Roth IRA Certificate
$2,500
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard CD - 18 Months
$2,500
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 18, 2026: 3.60% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Business Term Share Certificate
$1,000
4.10% ▲ 0.83% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 12, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
18 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 22, 2026: 3.80% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 18 Months
$1,000
4.10% ▲ 0.83% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.87%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Oct 6, 2026: 3.80% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Oct 6, 20263.80%first recorded
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Term Share Certificate - 18 Month
$1,000
4.07% ▲ 0.80% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.80% above avgNationally 2.87%
Details

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

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
FNB of Hereford
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
IRA - 18 Month
$0
4.07% ▲ 0.80% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.80% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.02% → 4.07% ▲ 1.05 pts · high 4.07% / low 3.02%
1.97%3.55%5.12%Sep 14, 2026: 3.02% APYSep 24, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.07%▲ from 3.02%
  • Sep 14, 20263.02%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Share Certificate
$1,000
4.06% ▲ 0.79% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.79% above avgNationally 2.87%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 4, 2026: 4.06% APYOct 4, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 0.78% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.78% above avgNationally 2.87%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 12, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.05% ▲ 0.78% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.78% above avgNationally 2.87%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
3 changes since Sep 18, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 18, 2026: 3.80% APYSep 22, 2026: 3.95% APYOct 1, 2026: 4.00% APYOct 5, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.05%▲ from 4.00%
  • Oct 1, 20264.00%▲ from 3.95%
  • Sep 22, 20263.95%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18-month Certificate
$1,000
4.05% ▲ 0.78% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month Bump Rate CD
$5,000
4.04% ▲ 0.77% above Texas avg
View
▼
Rate3.97%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.77% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.04% ▲ 0.34 pts · high 4.04% / low 3.70%
3.20%3.87%4.54%Sep 18, 2026: 3.70% APYSep 22, 2026: 4.04% APYSep 18, 2026Oct 12, 2026
  • Sep 22, 20264.04%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 18 Month to 23 Month
$0
4.02% ▲ 0.75% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.75% above avgNationally 2.87%
Details

Rate History
1 change since Oct 5, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Oct 5, 2026: 3.97% APYOct 9, 2026: 4.02% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Oct 5, 20263.97%first recorded
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 Month Certificate of Deposit
$0
4.00% ▲ 0.73% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
18-month CD
$0
4.00% ▲ 0.73% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Special promotional rate.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
FNB of Hereford
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18 Month "Raise Your Rate" (with transaction account)
$0
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Balance: Less than $50,000

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 - 18 Month Flex Term CD Special
$0
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Share Certificate
$0
4.00% ▲ 0.73% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 18 Month
$0
4.00% ▲ 0.73% above Texas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026

Bellmead 24 Month CD Rates

Texas 24 Month CD Average3.22% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
24 Month Jumbo Certificate of Deposit
$0
4.86% ▲ 1.64% above Texas avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.64% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.86% APY · checked 2 times
4.36%4.86%5.36%Oct 8, 2026: 4.86% APYOct 8, 2026Oct 12, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81% ▲ 1.59% above Texas avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.59% above avgNationally 2.88%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 12, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificate
$0
4.75% ▲ 1.53% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.53% above avgNationally 2.88%
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 12, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55% ▲ 1.33% above Texas avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.33% above avgNationally 2.88%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
3.58%4.31%5.05%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.55% APYSep 16, 2026Oct 12, 2026
  • Oct 8, 20264.55%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate
$90,000
4.44% ▲ 1.22% above Texas avg
View
▼
Rate4.35%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.88%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 8, 2026: 4.44% APYOct 8, 2026Oct 12, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 Month Share Certificate
$0
4.40% ▲ 1.18% above Texas avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Balance: $1000

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 12, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month CD
$500
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
Karnes County National Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.99%
Jumbo CD - 2 Year
$0
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.33% ▲ 1.08 pts · high 4.33% / low 3.25%
2.17%3.79%5.41%Sep 14, 2026: 3.25% APYOct 7, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.33%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate
$25,000
4.33% ▲ 1.11% above Texas avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.88%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 8, 2026: 4.33% APYOct 8, 2026Oct 12, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
24 Month 360 CDs
$0
4.30% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24 month CD
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 10, 2026: 4.30% APYOct 10, 2026Oct 12, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Bask 24-month CD
$0
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 12, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-Month Super Jumbo Certificate
$225,000
4.27% ▲ 1.05% above Texas avg
View
▼
Rate4.20%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.05% above avgNationally 2.88%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
3.61%4.19%4.77%Sep 14, 2026: 4.11% APYOct 4, 2026: 4.27% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.27%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24-Month IRA Jumbo Share CD
$0
4.27% ▲ 1.05% above Texas avg
View
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.05% above avgNationally 2.88%
Details

IRA

Rate History
1 change since Sep 14, 2026 · 3.84% → 4.27% ▲ 0.43 pts · high 4.27% / low 3.84%
3.34%4.06%4.77%Sep 14, 2026: 3.84% APYOct 10, 2026: 4.27% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.27%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24-Month Junior Jumbo Share CD
$0
4.27% ▲ 1.05% above Texas avg
View
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.05% above avgNationally 2.88%
Details

Balance: $95,000+; Jumbo ($95K+)

Rate History
1 change since Sep 22, 2026 · 3.84% → 4.27% ▲ 0.43 pts · high 4.27% / low 3.84%
3.34%4.06%4.77%Sep 22, 2026: 3.84% APYOct 10, 2026: 4.27% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.27%▲ from 3.84%
  • Sep 22, 20263.84%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA
$0
4.26% ▲ 1.04% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.04% above avgNationally 2.88%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
3.40%4.08%4.76%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.26% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.26%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-month CD
$0
4.25% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Save on your terms with a guaranteed rate of return on a Certificate of Deposit.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 24 Month CD
$500
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
24 Month Jumbo CD
$50,000
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 12, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month CD
$0
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month Traditional/Roth IRA
$0
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificate of Deposit - 2 Years
$50,000
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Jumbo ($50K plus)

Rate History
2 changes since Sep 14, 2026 · 3.40% → 4.25% ▲ 0.85 pts · high 4.25% / low 3.40%
2.55%3.82%5.10%Sep 14, 2026: 3.40% APYSep 22, 2026: 4.05% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 4.05%
  • Sep 22, 20264.05%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
24-Month CD MOST POPULAR
$50,000
4.25% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 12, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate
$1,000
4.23% ▲ 1.01% above Texas avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.88%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 8, 2026: 4.23% APYOct 8, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (2 year)
$250,001
4.23% ▲ 1.01% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.23% ▲ 0.16 pts · high 4.23% / low 4.07%
3.57%4.15%4.73%Sep 14, 2026: 4.07% APYOct 5, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.23%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24-Month Junior Jumbo Share CD
$0
4.22% ▲ 1.00% above Texas avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 1.00% above avgNationally 2.88%
Details

Junior Jumbo ($50K - $95K)

Rate History
1 change since Sep 22, 2026 · 3.78% → 4.22% ▲ 0.44 pts · high 4.22% / low 3.78%
3.28%4.00%4.72%Sep 22, 2026: 3.78% APYOct 10, 2026: 4.22% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.22%▲ from 3.78%
  • Sep 22, 20263.78%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
24 Month Certificate
$1,000
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

Compounded: Quarterly; Credited: Quarterly

Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 24, 2026: 4.20% APYSep 24, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 12, 2026
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Platinum Bump Up Certificate
$1,000
4.20% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

Over $75,000 in total shares; Rates as of May 8, 2025

Rate History
No change since Oct 5, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 12, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Callable CD 24 Months
$0
4.20% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 22, 2026: 4.20% APYSep 22, 2026Oct 12, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
24 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 24 Months
$1,000
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Oct 6, 2026: 3.90% APYOct 10, 2026: 4.20% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Oct 6, 20263.90%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (2 year)
$100,001
4.18% ▲ 0.96% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.96% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.18% ▲ 0.16 pts · high 4.18% / low 4.02%
3.52%4.10%4.68%Sep 14, 2026: 4.02% APYOct 5, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.18%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
24 Month Jumbo or IRA CD
$25,000
4.18% ▲ 0.96% above Texas avg
View
▼
Rate4.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.96% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24-Month Share CD
$0
4.17% ▲ 0.95% above Texas avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.95% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.73% → 4.17% ▲ 0.44 pts · high 4.17% / low 3.73%
3.23%3.95%4.67%Sep 14, 2026: 3.73% APYOct 10, 2026: 4.17% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.17%▲ from 3.73%
  • Sep 14, 20263.73%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-Month Jumbo Certificate
$95,000
4.16% ▲ 0.94% above Texas avg
View
▼
Rate4.10%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.94% above avgNationally 2.88%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 12, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA
$0
4.15% ▲ 0.93% above Texas avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details

Balance: $50,000 - $98,999.99

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 18, 2026: 3.80% APYOct 2, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.15%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.93% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2 Year Business CD
$5,000
4.15% ▲ 0.93% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
DATCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
24 Month Certificate
$0
4.15% ▲ 0.93% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 12, 2026
DATCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
24 Month IRA Certificate of Deposit
$0
4.15% ▲ 0.93% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 12, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
24 Month Standard CDs
$1,000
4.15% ▲ 0.93% above Texas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 18, 2026: 3.80% APYSep 22, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Sep 22, 20264.15%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
2 Year Certificate
$100,000
4.15% ▲ 0.93% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details

Promotion is for a limited time on a 2-year share certificate (Consumer and Business) with a $100,000 minimum deposit. FirstLight Federal Credit Union reserves the right to end or modify a special/promotional rate at any time. Penalties apply for early withdrawal from certificates. Unless you indicate otherwise, the certificate will be renewed at maturity at a like term, if available, or at the then-current rate in effect. Other restrictions may apply.

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
IRA's 24 Month variable rate
$0
4.13% ▲ 0.91% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 8, 2026: 4.13% APYOct 8, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (2 year)
$50,001
4.13% ▲ 0.91% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.91% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97%
3.47%4.05%4.63%Sep 14, 2026: 3.97% APYOct 5, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.13%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (2 year)
$250,001
4.13% ▲ 0.91% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.22%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 21, 2026: 4.13% APYSep 21, 2026Oct 12, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
24 Month Business Fixed Rate Certificate
$0
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 12, 2026
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
24 Month Fixed-Rate Certificate
$0
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 12, 2026

Bellmead 36 Month CD Rates

Texas 36 Month CD Average3.14% APYNational 2.81%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36-Month IRA
$0
5.02% ▲ 1.88% above Texas avg
View
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.88% above avgNationally 2.81%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
No change since Oct 12, 2026 · 5.02% APY
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 12, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Month Jumbo Certificate of Deposit
$0
4.96% ▲ 1.82% above Texas avg
View
▼
Rate4.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.82% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.96% APY · checked 2 times
4.46%4.96%5.46%Oct 8, 2026: 4.96% APYOct 8, 2026Oct 12, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 36 Months
$500
4.71% ▲ 1.57% above Texas avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.57% above avgNationally 2.81%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
3.55%4.42%5.29%Sep 16, 2026: 4.13% APYOct 8, 2026: 4.71% APYSep 16, 2026Oct 12, 2026
  • Oct 8, 20264.71%▲ from 4.13%
  • Sep 16, 20264.13%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
36 Month Certificate
$1,000
4.50% ▲ 1.36% above Texas avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 25, 2026: 4.20% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 12, 2026
  • Oct 4, 20264.50%▲ from 4.20%
  • Sep 25, 20264.20%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Year Business CD
$5,000
4.50% ▲ 1.36% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$90,000
4.49% ▲ 1.35% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.35% above avgNationally 2.81%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APYOct 8, 2026Oct 12, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month IRA Share CD
$0
4.41% ▲ 1.27% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.81%
Details

IRA

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
3.42%4.17%4.91%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.41% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.41%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Jumbo Share CD
$0
4.41% ▲ 1.27% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.81%
Details

Balance: $95,000+; Jumbo ($95K+)

Rate History
1 change since Sep 22, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
3.42%4.17%4.91%Sep 22, 2026: 3.92% APYOct 10, 2026: 4.41% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.41%▲ from 3.92%
  • Sep 22, 20263.92%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 12, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$25,000
4.39% ▲ 1.25% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.25% above avgNationally 2.81%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 12, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Junior Jumbo Share CD
$0
4.35% ▲ 1.21% above Texas avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.81%
Details

Junior Jumbo ($50K - $95K)

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.35% ▲ 0.48 pts · high 4.35% / low 3.87%
3.37%4.11%4.85%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.35% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.35%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
36 Month Jumbo CD
$50,000
4.35% ▲ 1.21% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.81%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 12, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Super Jumbo Certificate
$225,000
4.32% ▲ 1.18% above Texas avg
View
▼
Rate4.25%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.18% above avgNationally 2.81%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
3.66%4.24%4.82%Sep 14, 2026: 4.16% APYOct 4, 2026: 4.32% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.32%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA
$0
4.31% ▲ 1.17% above Texas avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.17% above avgNationally 2.81%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
3.40%4.10%4.81%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.31% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.31%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
36 Month 360 CDs
$0
4.30% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
Citizens State Bank Sealy, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
4.30% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Annual Percentage Yield. The stated APY is accurate as of 9/21/2026. Penalties may apply. Fees may reduce earnings.

Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 28, 2026: 4.30% APYSep 28, 2026Oct 12, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Share CD
$0
4.30% ▲ 1.16% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.30% ▲ 0.48 pts · high 4.30% / low 3.82%
3.32%4.06%4.80%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.30%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate
$1,000
4.28% ▲ 1.14% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.14% above avgNationally 2.81%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 8, 2026: 4.28% APYOct 8, 2026Oct 12, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25% ▲ 1.11% above Texas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.11% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
36 Month Standard CDs
$1,000
4.25% ▲ 1.11% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 18, 2026: 3.75% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 22, 20264.25%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month CD
$0
4.25% ▲ 1.11% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Traditional/Roth IRA
$0
4.25% ▲ 1.11% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 3 years
$0
4.24% ▲ 1.10% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
3.41%4.08%4.74%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.24% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.24%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 year)
$25,001
4.23% ▲ 1.09% above Texas avg
View
▼
Rate4.15%
Min Deposit$25,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 1.09% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 4.23% APY · checked 5 times
3.73%4.23%4.73%Sep 21, 2026: 4.23% APYSep 21, 2026Oct 12, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
36 Month Jumbo or IRA CD
$25,000
4.23% ▲ 1.09% above Texas avg
View
▼
Rate4.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 1.09% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
3.42%4.08%4.73%Sep 14, 2026: 3.92% APYOct 9, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.23%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Jumbo Certificate
$95,000
4.22% ▲ 1.08% above Texas avg
View
▼
Rate4.15%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.08% above avgNationally 2.81%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 4, 2026: 4.22% APYOct 4, 2026Oct 12, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA
$0
4.20% ▲ 1.06% above Texas avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details

Balance: $50,000 - $98,999.99

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.06% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 12, 2026
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3 Year Share Certificate
$0
4.20% ▲ 1.06% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 2.79% → 4.20% ▲ 1.42 pts · high 4.20% / low 2.79%
1.37%3.49%5.62%Sep 18, 2026: 2.79% APYOct 9, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.20%▲ from 2.79%
  • Sep 18, 20262.79%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
36 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 1.06% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 36 Months
$1,000
4.20% ▲ 1.06% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Oct 6, 2026: 3.90% APYOct 10, 2026: 4.20% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Oct 6, 20263.90%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 year)
$10,001
4.18% ▲ 1.04% above Texas avg
View
▼
Rate4.10%
Min Deposit$10,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 1.04% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 4.18% APY · checked 5 times
3.68%4.18%4.68%Sep 21, 2026: 4.18% APYSep 21, 2026Oct 12, 2026
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3 Year Share Certificate
$1,000
4.18% ▲ 1.04% above Texas avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 1.04% above avgNationally 2.81%
Details

Dividend Paid Monthly; Check Disbursement; Transfer to Shares; Roll Back to Certificate

Rate History
1 change since Sep 21, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 21, 2026: 3.56% APYOct 9, 2026: 4.18% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.18%▲ from 3.56%
  • Sep 21, 20263.56%first recorded
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
IRA - 3 Year
$0
4.18% ▲ 1.04% above Texas avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 1.04% above avgNationally 2.81%
Details

Last Day of Month, Contribution Allowed Upon Maturity

Rate History
1 change since Oct 5, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Oct 5, 2026: 3.56% APYOct 9, 2026: 4.18% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.18%▲ from 3.56%
  • Oct 5, 20263.56%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 36 Month to 47 Month
$0
4.17% ▲ 1.03% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 1.03% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 5, 2026: 4.12% APYOct 9, 2026: 4.17% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.17%▲ from 4.12%
  • Oct 5, 20264.12%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.01% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.01% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Education Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36 Month Certificate of Deposit
$0
4.15% ▲ 1.01% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
36 Month IRA & Roth IRA Certificate
$0
4.15% ▲ 1.01% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
36 Month Standard Certificates
$0
4.15% ▲ 1.01% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 22, 2026: 3.75% APYOct 10, 2026: 4.15% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.15%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
36 Month Traditional & Roth IRA Certificate
$2,500
4.15% ▲ 1.01% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard CD - 36 Months
$2,500
4.15% ▲ 1.01% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.15%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
4.14% ▲ 1.00% above Texas avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 1.00% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
3.30%3.97%4.64%Sep 18, 2026: 3.80% APYOct 1, 2026: 4.14% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.14%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 year Share Certificate
$250,001
4.13% ▲ 0.99% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 5, 2026: 4.13% APYOct 5, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 year)
$5,001
4.13% ▲ 0.99% above Texas avg
View
▼
Rate4.05%
Min Deposit$5,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 21, 2026: 4.13% APYSep 21, 2026Oct 12, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
36 Month Regular or IRA CD
$500
4.13% ▲ 0.99% above Texas avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.14%▲ 0.99% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYOct 9, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.13%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Share Certificate
$1,000
4.11% ▲ 0.97% above Texas avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.97% above avgNationally 2.81%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Oct 4, 2026: 4.11% APYOct 4, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 0.96% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 12, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA
$0
4.10% ▲ 0.96% above Texas avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details

Balance: $25,000 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 18, 2026: 3.70% APYOct 2, 2026: 4.10% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.10%▲ from 3.70%
  • Sep 18, 20263.70%first recorded

Bellmead 48 Month CD Rates

Texas 48 Month CD Average3.04% APYNational 2.81%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.60% ▲ 1.56% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 1.56% above avgNationally 2.81%
Details

Balance: $1,000,000.00+

Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.25% APYOct 1, 2026: 4.30% APYOct 5, 2026: 4.60% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.60%▲ from 4.30%
  • Oct 1, 20264.30%▲ from 4.25%
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.50% ▲ 1.46% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 1.46% above avgNationally 2.81%
Details

Balance: $250,000.00 - $999,999.99

Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.25% APYOct 1, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Oct 1, 20264.30%▲ from 4.25%
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$90,000
4.49% ▲ 1.45% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.45% above avgNationally 2.81%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APYOct 8, 2026Oct 12, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47% ▲ 1.43% above Texas avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.43% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
3.62%4.30%4.97%Sep 18, 2026: 4.12% APYOct 1, 2026: 4.47% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.47%▲ from 4.12%
  • Sep 18, 20264.12%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.40% ▲ 1.36% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.81%
Details

Balance: $100,000.00 - $249,999.99

Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.25% APYOct 1, 2026: 4.30% APYOct 5, 2026: 4.40% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.40%▲ from 4.30%
  • Oct 1, 20264.30%▲ from 4.25%
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$25,000
4.39% ▲ 1.35% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.35% above avgNationally 2.81%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 12, 2026
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Super Jumbo Certificate
$225,000
4.37% ▲ 1.33% above Texas avg
View
▼
Rate4.30%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.33% above avgNationally 2.81%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 14, 2026: 4.22% APYOct 4, 2026: 4.37% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.37%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.36% ▲ 1.32% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.81%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
3.46%4.16%4.86%Sep 18, 2026: 3.96% APYOct 2, 2026: 4.36% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.36%▲ from 3.96%
  • Sep 18, 20263.96%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.36% ▲ 1.32% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 18, 2026: 4.01% APYOct 1, 2026: 4.36% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.36%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 Month Jumbo CD
$50,000
4.35% ▲ 1.31% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.31% above avgNationally 2.81%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 12, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
48 Month 360 CDs
$0
4.30% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.30% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.81%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.25% APYOct 1, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.30%▲ from 4.25%
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate
$1,000
4.28% ▲ 1.24% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.81%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 8, 2026: 4.28% APYOct 8, 2026Oct 12, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Jumbo or IRA CD
$25,000
4.28% ▲ 1.24% above Texas avg
View
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYOct 9, 2026: 4.28% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Jumbo Certificate
$95,000
4.27% ▲ 1.23% above Texas avg
View
▼
Rate4.20%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.23% above avgNationally 2.81%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 4, 2026: 4.27% APYOct 4, 2026Oct 12, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.26% ▲ 1.22% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.81%
Details

Balance: $50,000 - $98,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
3.35%4.06%4.76%Sep 18, 2026: 3.85% APYOct 2, 2026: 4.26% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.26%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 4 years
$0
4.26% ▲ 1.22% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
3.41%4.09%4.76%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.26% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.26%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.21% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 Month Standard CDs
$1,000
4.25% ▲ 1.21% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.81%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 18, 2026: 3.75% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 22, 20264.25%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month CD
$0
4.25% ▲ 1.21% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 48 Month to 59 Month
$0
4.22% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 1.18% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 4.17% → 4.22% ▲ 0.05 pts · high 4.22% / low 4.17%
3.67%4.20%4.72%Oct 5, 2026: 4.17% APYOct 9, 2026: 4.22% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.22%▲ from 4.17%
  • Oct 5, 20264.17%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.16% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 12, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20% ▲ 1.16% above Texas avg
View
▼
Rate4.11%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.81%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 22, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 48 Months
$1,000
4.20% ▲ 1.16% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Oct 6, 2026: 3.90% APYOct 10, 2026: 4.20% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Oct 6, 20263.90%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Regular or IRA CD
$500
4.18% ▲ 1.14% above Texas avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 1.14% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Share Certificate
$1,000
4.16% ▲ 1.12% above Texas avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.12% above avgNationally 2.81%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 4, 2026: 4.16% APYOct 4, 2026Oct 12, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Balance: $25,000 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.15%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
48 Month Certificate
$1,000
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Compounded: Quarterly; Credited: Quarterly

Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 24, 2026: 4.15% APYSep 24, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.11% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
48 Month IRA & Roth IRA Certificate
$0
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
48 Month Standard Certificates
$0
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 22, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 22, 20263.70%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
48 Month Traditional & Roth IRA Certificate
$2,500
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard CD - 48 Months
$2,500
4.15% ▲ 1.11% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificate Accounts - Share
$0
4.10% ▲ 1.06% above Texas avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 18, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 18, 2026: 3.90% APYSep 25, 2026: 3.95% APYOct 5, 2026: 4.05% APYOct 9, 2026: 4.10% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.10%▲ from 4.05%
  • Oct 5, 20264.05%▲ from 3.95%
  • Sep 25, 20263.95%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.10% ▲ 1.06% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 22, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 22, 20263.85%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 48 Months
$1,000
4.10% ▲ 1.06% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.81%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 6, 2026: 3.85% APYOct 10, 2026: 4.10% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Oct 6, 20263.85%first recorded
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
4 Year Certificate of Deposit
$0
4.07% ▲ 1.03% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.03% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 3.04% → 4.07% ▲ 1.03 pts · high 4.07% / low 3.04%
2.01%3.56%5.10%Sep 24, 2026: 3.04% APYSep 28, 2026: 4.07% APYSep 24, 2026Oct 12, 2026
  • Sep 28, 20264.07%▲ from 3.04%
  • Sep 24, 20263.04%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.05% ▲ 1.01% above Texas avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 1.01% above avgNationally 2.81%
Details

Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.05%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 1.01% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.01% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (4 year)
$250,001
4.02% ▲ 0.98% above Texas avg
View
▼
Rate3.95%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 21, 2026: 4.02% APYSep 21, 2026Oct 12, 2026
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4 Year CD
$1,000
4.00% ▲ 0.96% above Texas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 4, 2026
Texas Average3.04%▲ 0.96% above avgNationally 2.81%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 12, 2026
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
48 Month Certificate
$1,000
4.00% ▲ 0.96% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.96% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.25% APYOct 4, 2026: 4.00% APYSep 25, 2026Oct 12, 2026
  • Oct 4, 20264.00%▼ from 4.25%
  • Sep 25, 20264.25%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate
$1,000
4.00% ▲ 0.96% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.96% above avgNationally 2.81%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate
$1,000
4.00% ▲ 0.96% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.96% above avgNationally 2.81%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (4 year)
$100,001
3.97% ▲ 0.93% above Texas avg
View
▼
Rate3.90%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 4 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 12, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
48 Month IRA Certificate
$500
3.97% ▲ 0.93% above Texas avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.93% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.97% ▲ 0.41 pts · high 3.97% / low 3.56%
3.06%3.77%4.47%Sep 14, 2026: 3.56% APYOct 10, 2026: 3.97% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.97%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificate of Deposit - 4 Years
$50,000
3.95% ▲ 0.91% above Texas avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.04%▲ 0.91% above avgNationally 2.81%
Details

Jumbo ($50K plus)

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.95% ▲ 0.40 pts · high 3.95% / low 3.55%
3.05%3.75%4.45%Sep 14, 2026: 3.55% APYSep 22, 2026: 3.70% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.95%▲ from 3.70%
  • Sep 22, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
3.94% ▲ 0.90% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.04%▲ 0.90% above avgNationally 2.81%
Details

Balance: $10,000 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54%
3.04%3.74%4.44%Sep 18, 2026: 3.54% APYOct 2, 2026: 3.94% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.94%▲ from 3.54%
  • Sep 18, 20263.54%first recorded
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
4 Year Certificate of Deposit
$0
3.92% ▲ 0.88% above Texas avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 3.04% → 3.92% ▲ 0.88 pts · high 3.92% / low 3.04%
2.16%3.48%4.80%Sep 24, 2026: 3.04% APYSep 28, 2026: 3.92% APYSep 24, 2026Oct 12, 2026
  • Sep 28, 20263.92%▲ from 3.04%
  • Sep 24, 20263.04%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (4 year)
$50,001
3.92% ▲ 0.88% above Texas avg
View
▼
Rate3.85%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.04%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Sep 21, 2026: 3.92% APYSep 21, 2026Oct 12, 2026

Bellmead 60 Month CD Rates

Texas 60 Month CD Average3.08% APYNational 2.90%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 1.79% above Texas avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.79% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.76% ▲ 1.68% above Texas avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.68% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
3.89%4.57%5.26%Sep 18, 2026: 4.39% APYOct 1, 2026: 4.76% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.76%▲ from 4.39%
  • Sep 18, 20264.39%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.70% ▲ 1.62% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 1.62% above avgNationally 2.90%
Details

Balance: $1,000,000.00+

Rate History
2 changes since Sep 18, 2026 · 4.10% → 4.70% ▲ 0.60 pts · high 4.70% / low 4.10%
3.50%4.40%5.30%Sep 18, 2026: 4.10% APYSep 22, 2026: 4.40% APYOct 5, 2026: 4.70% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.70%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 5 years
$0
4.66% ▲ 1.58% above Texas avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.58% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
3.78%4.47%5.16%Sep 18, 2026: 4.28% APYOct 1, 2026: 4.66% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.66%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.60% ▲ 1.52% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 1.52% above avgNationally 2.90%
Details

Balance: $250,000.00 - $999,999.99

Rate History
2 changes since Sep 18, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
3.60%4.35%5.10%Sep 18, 2026: 4.10% APYSep 22, 2026: 4.40% APYOct 5, 2026: 4.60% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.60%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.50% ▲ 1.42% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.90%
Details

Balance: $100,000.00 - $249,999.99

Rate History
2 changes since Sep 18, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 18, 2026: 4.10% APYSep 22, 2026: 4.40% APYOct 5, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.50%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Callable CD 60 Months
$0
4.50% ▲ 1.42% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 12, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month IRA Share CD
$0
4.50% ▲ 1.42% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.90%
Details

IRA

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
3.52%4.26%5.00%Sep 14, 2026: 4.02% APYOct 10, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.50%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Jumbo Share CD
$0
4.50% ▲ 1.42% above Texas avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.90%
Details

Balance: $95,000+; Jumbo ($95K+)

Rate History
1 change since Sep 22, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
3.52%4.26%5.00%Sep 22, 2026: 4.02% APYOct 10, 2026: 4.50% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.50%▲ from 4.02%
  • Sep 22, 20264.02%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate
$90,000
4.49% ▲ 1.41% above Texas avg
View
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 1.41% above avgNationally 2.90%
Details

Jumbo/Min. $90,000

Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APYOct 8, 2026Oct 12, 2026
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Junior Jumbo Share CD
$0
4.45% ▲ 1.37% above Texas avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.37% above avgNationally 2.90%
Details

Junior Jumbo ($50K - $95K)

Rate History
1 change since Sep 22, 2026 · 3.97% → 4.45% ▲ 0.48 pts · high 4.45% / low 3.97%
3.47%4.21%4.95%Sep 22, 2026: 3.97% APYOct 10, 2026: 4.45% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.45%▲ from 3.97%
  • Sep 22, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Super Jumbo Certificate
$225,000
4.42% ▲ 1.34% above Texas avg
View
▼
Rate4.35%
Min Deposit$225,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 1.34% above avgNationally 2.90%
Details

Balance: $225,000 or greater

Rate History
1 change since Sep 14, 2026 · 4.27% → 4.42% ▲ 0.15 pts · high 4.42% / low 4.27%
3.77%4.35%4.92%Sep 14, 2026: 4.27% APYOct 4, 2026: 4.42% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.42%▲ from 4.27%
  • Sep 14, 20264.27%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.40% ▲ 1.32% above Texas avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.32% above avgNationally 2.90%
Details

Balance: $99,000 and over

Rate History
1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89%
3.38%4.15%4.91%Sep 18, 2026: 3.89% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.40%▲ from 3.89%
  • Sep 18, 20263.89%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.40% ▲ 1.32% above Texas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 1.32% above avgNationally 2.90%
Details

Balance: MIN BALANCE - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 18, 2026: 4.10% APYSep 22, 2026: 4.40% APYSep 18, 2026Oct 12, 2026
  • Sep 22, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Share CD
$0
4.40% ▲ 1.32% above Texas avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.32% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.40% ▲ 0.48 pts · high 4.40% / low 3.92%
3.42%4.16%4.90%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.40%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate
$25,000
4.39% ▲ 1.31% above Texas avg
View
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 1.31% above avgNationally 2.90%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 12, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month Jumbo CD
$50,000
4.35% ▲ 1.27% above Texas avg
View
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.27% above avgNationally 2.90%
Details

Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 12, 2026
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
60 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.35% ▲ 1.27% above Texas avg
View
▼
Rate4.26%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.27% above avgNationally 2.90%
Details

Balance: $95,000+; JUMBO

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 22, 2026: 4.00% APYOct 10, 2026: 4.35% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.35%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 60 Months
$1,000
4.35% ▲ 1.27% above Texas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.27% above avgNationally 2.90%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.35%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
60 Month Jumbo or IRA CD
$25,000
4.33% ▲ 1.25% above Texas avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 1.25% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
3.52%4.18%4.83%Sep 14, 2026: 4.02% APYOct 9, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.33%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Jumbo Certificate
$95,000
4.32% ▲ 1.24% above Texas avg
View
▼
Rate4.25%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 1.24% above avgNationally 2.90%
Details

Balance: $95,000 to $224,999

Rate History
No change since Oct 4, 2026 · 4.32% APY · checked 3 times
3.82%4.32%4.82%Oct 4, 2026: 4.32% APYOct 4, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 60 Month
$0
4.32% ▲ 1.24% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 1.24% above avgNationally 2.90%
Details

Rate History
1 change since Oct 5, 2026 · 4.27% → 4.32% ▲ 0.05 pts · high 4.32% / low 4.27%
3.77%4.30%4.82%Oct 5, 2026: 4.27% APYOct 9, 2026: 4.32% APYOct 5, 2026Oct 12, 2026
  • Oct 9, 20264.32%▲ from 4.27%
  • Oct 5, 20264.27%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month 360 CDs
$0
4.30% ▲ 1.22% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.22% above avgNationally 2.90%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.30% ▲ 1.22% above Texas avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.22% above avgNationally 2.90%
Details

Balance: $50,000 - $98,999.99

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.30%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.30% ▲ 1.22% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.08%▲ 1.22% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 12, 2026
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate
$1,000
4.28% ▲ 1.20% above Texas avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 1.20% above avgNationally 2.90%
Details

Mini- Jumbo/Min. $25,000

Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 8, 2026: 4.28% APYOct 8, 2026Oct 12, 2026
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 60 Month CD
$500
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.17% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
60 Month IRA & Roth IRA Certificate
$0
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
60 Month Standard Certificates
$0
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

Rate History
1 change since Sep 22, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
3.05%3.95%4.85%Sep 22, 2026: 3.65% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.65%
  • Sep 22, 20263.65%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
60 Month Traditional & Roth IRA Certificate
$2,500
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 12, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard CD - 60 Months
$2,500
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
3.05%3.95%4.85%Sep 18, 2026: 3.65% APYOct 10, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month Standard CDs
$1,000
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

Must maintain a minimum $1,000 balance to earn APY.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
60 Month CD
$0
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
60 Month Traditional/Roth IRA
$0
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 1, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
60 Month IRA Term Share Accounts/Certificates of Deposit
$1,000
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

JUMBO $95,000+

Rate History
1 change since Sep 22, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 22, 2026: 3.95% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Sep 22, 20263.95%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 60 Months
$1,000
4.25% ▲ 1.17% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.90%
Details

JUMBO $95,000+

Rate History
1 change since Oct 6, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Oct 6, 2026: 3.95% APYOct 10, 2026: 4.25% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Oct 6, 20263.95%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
60 Month Regular or IRA CD
$500
4.23% ▲ 1.15% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 1.15% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
3.42%4.08%4.73%Sep 14, 2026: 3.92% APYOct 9, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.23%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Share Certificate
$1,000
4.22% ▲ 1.14% above Texas avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 1.14% above avgNationally 2.90%
Details

Balance: $1,000 to $94,999

Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 4, 2026: 4.22% APYOct 4, 2026Oct 12, 2026
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
60 Month Certificate
$1,000
4.20% ▲ 1.12% above Texas avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.12% above avgNationally 2.90%
Details

Compounded: Quarterly; Credited: Quarterly

Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 24, 2026: 4.20% APYSep 24, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.12% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.08%▲ 1.12% above avgNationally 2.90%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 12, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Share Certificate Accounts - Share
$0
4.20% ▲ 1.12% above Texas avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 1.12% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.05% APYOct 5, 2026: 4.15% APYOct 9, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.20%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 4.05%
  • Sep 25, 20264.05%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.19% ▲ 1.11% above Texas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.11% above avgNationally 2.90%
Details

Balance: $25,000 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 3.79% → 4.19% ▲ 0.40 pts · high 4.19% / low 3.79%
3.29%3.99%4.69%Sep 18, 2026: 3.79% APYOct 2, 2026: 4.19% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.19%▲ from 3.79%
  • Sep 18, 20263.79%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
4.15% ▲ 1.07% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
4.15% ▲ 1.07% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.07% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 2, 2026: 4.00% APYOct 7, 2026: 4.15% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20264.15%▲ from 4.00%
  • Oct 2, 20264.00%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.07% above Texas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.08%▲ 1.07% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.02% above Texas avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.08%▲ 1.02% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.09% ▲ 1.01% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Texas Average3.08%▲ 1.01% above avgNationally 2.90%
Details

Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 18, 2026 · 3.79% → 4.09% ▲ 0.30 pts · high 4.09% / low 3.79%
3.29%3.94%4.59%Sep 18, 2026: 3.79% APYOct 2, 2026: 4.09% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.09%▲ from 3.79%
  • Sep 18, 20263.79%first recorded
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
5 Year Certificate of Deposit
$0
4.07% ▲ 0.99% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.08%▲ 0.99% above avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 3.04% → 4.07% ▲ 1.03 pts · high 4.07% / low 3.04%
2.01%3.56%5.10%Sep 24, 2026: 3.04% APYSep 28, 2026: 4.07% APYSep 24, 2026Oct 12, 2026
  • Sep 28, 20264.07%▲ from 3.04%
  • Sep 24, 20263.04%first recorded
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
60 Month IRA Certificate
$500
4.07% ▲ 0.99% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Texas Average3.08%▲ 0.99% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 4.07% ▲ 0.56 pts · high 4.07% / low 3.51%
2.95%3.79%4.63%Sep 14, 2026: 3.51% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.07%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
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 Bellmead, Texas Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Gulf Capital Bank
36 Month Jumbo Certificate of Deposit
A+ 5.0 ★ TX: 3.09%
Min: $0
4.96%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
T Bank
12 Month Certificate
B+ 4.8 ★ TX: 17.09%
Min: $1,000
4.52%
Freedom Bank Alamo, TX
12-Month IRA CD Account
A+ 5.0 ★ TX: 1.01%
Min: $1,000
4.50%
Bank of South Texas
6 Month CD Offer
A+ 5.0 ★ TX: 0.89%
Min: $0
4.44%
CU Top 5 Credit Union Rates
National Police Federal Credit Union
36-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
5.02%
A+ Federal Credit Union
12 Month StartUP Share Certificate
A 5.0 ★ TX: 11.13%
Min: $0
5.00%
FIRST EAGLE
1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
Advancial Federal Credit Union
Regular, IRA & Business Jumbo Certificates - 5 years
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
American Baptist Association Credit Union
24 Month Share Certificate
A+ 5.0 ★ TX: 0.00%
Min: $0
4.75%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Bellmead, TX CD Rate Trends

Compare local Bellmead, 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
3.383%
▲ 0.032 vs 7 days ago

Texas 12-month CD rates rose 0.032 points over the past 7 days to 3.383% APY.

6-Month CD TX Avg
3.250%
▲ 0.022 vs 7 days ago

Texas 6-month CD rates rose 0.022 points over the past 7 days to 3.250% APY.

As of Oct 12, 2026 • Rate data sourced from 8,500+ monitored institutions

TX CD Rate Forecast, Next 12 Months

Where are Texas CD rates headed through October 2027?

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

TX 12-Month Avg APY
3.383%
6-Month Forecast
3.383%
Range: 3.18%, 3.53%
12-Month Forecast
3.633%
Range: 3.43%, 3.78%

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 0.99% 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.

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What Your Savings Earn at TX CD Rates Today

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

CD Term TX Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.501% $125.04 $250.07 $625.18 $1,250.35
6-Month CD 3.250% $162.52 $325.04 $812.60 $1,625.20
12-Month CD 3.383% $169.13 $338.25 $845.63 $1,691.25
18-Month CD 3.267% $163.35 $326.69 $816.73 $1,633.45
24-Month CD 3.220% $160.98 $321.95 $804.88 $1,609.75
36-Month CD 3.139% $156.94 $313.87 $784.68 $1,569.35
48-Month CD 3.043% $152.14 $304.28 $760.70 $1,521.40
60-Month CD 3.081% $154.05 $308.09 $770.23 $1,540.45
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Bellmead, 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 2.501% $125.04
2 6-Month CD $5,000 3.250% $162.52
3 12-Month CD $5,000 3.383% $169.13
4 24-Month CD $5,000 3.220% $160.98
5 36-Month CD $5,000 3.139% $156.94
Total ($25,000 invested) $25,000 3.098% blended $774.61/yr

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

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3,452
CD Rates
Tracked in Bellmead, Texas
45 Banks 108 Credit Unions

About Our Bellmead, Texas CD Rate Database

MonitorBankRates tracks 3,452 CD rates from 45 banks and 108 credit unions with locations in Bellmead, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: National Police Federal Credit Union offers a CD at 5.02% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Bellmead, Texas.

How to Find the Best CD Rates in Bellmead, Texas

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

To find the best APYs in Bellmead, Texas, start with credit unions and online-only banks: Bellmead, Texas has 108 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 Bellmead, 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 Bellmead, Texas: 153 institutions here report CD rates

Consider an Alternative If…

Bellmead, Texas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
14.1%
National avg: 17.3%
Median Individual Earnings
$31,217
National avg: $47,340
Poverty Rate
24.9%
National avg: 11.1%
Unemployment Rate
2.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$106/yr
At TX 12-mo avg 3.383% APY

14.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.1% reflects a strong local economy. At today’s TX 12-month CD average of 3.383%, saving 10% of the local median salary ($3,121/year) and putting it in a CD would earn an additional $106 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 Bellmead, Texas

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

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

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

Choosing a CD Term in Bellmead, 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 Bellmead, Texas savers easier access to their funds. For example, Gulf Capital Bank is offering its 6 Month Jumbo Certificate of Deposit at 4.54% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% 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 Bellmead, 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 Bellmead, 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 Bellmead, 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 Bellmead, 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 Bellmead, Texas

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

Are CD rates in Bellmead, Texas FDIC insured?

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

Here are recent top rates found for this area:
  • National Police Federal Credit Union: 5.02% APY (36-Month IRA)
  • A+ Federal Credit Union: 5.00% APY (12 Month StartUP Share Certificate)
  • FIRST EAGLE: 5.00% APY (1 Year Certificate)
  • Gulf Capital Bank: 4.96% APY (36 Month Jumbo Certificate of Deposit)
  • Advancial Federal Credit Union: 4.87% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
  • American Baptist Association Credit Union: 4.75% APY (24 Month Share Certificate)
  • First Community Credit Union Houston, TX: 4.70% APY (5 Year Business CD)
  • Neches Federal Credit Union: 4.65% APY (12 Month Certificate)
  • HEB Federal Credit Union: 4.65% APY (6 - 18 Month Super Flex Term CD Special)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
Rates reflect recent verified offers available in Bellmead, Texas. Last Updated: October 12, 2026

Bellmead, 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 Bellmead, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Bellmead, Texas CD Rates by Term

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

CD Calculators for Bellmead, Texas

Bellmead, Texas CD Calculator

At today’s TX top rate of 5.02% APY, a $10,000 deposit earns $502 in the first year. Enter your amount to see your exact return.

Bellmead, Texas CD Ladder

TX CD rates currently range from 2.501% (3-month) to 3.139% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Bellmead, Texas CD at 5.02% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Texas’s average 12-month CD is 3.383% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bellmead, 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 Bellmead, 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 Bellmead, Texas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 12, 2026

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