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CD Rate Trends

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

Texas CD rates range from 3.50% to 5.02% APY, verified by MonitorBankRates as of October 12, 2026. Current Texas CD rates include National Police Federal Credit UnionNational Police Federal Credit Union13465 Midway Rd Ste 104, Dallas, TX 75244 5105A+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 Union1402 W Stassney LN, Austin, TX 78745 2948A5.0 ★Texas Ratio: 11.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month StartUP Share Certificate at 5.00% APY, FIRST EAGLEFIRST EAGLE2929 Allen Pkwy, Houston, TX 77019A+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 Bank1 Riverway, Houston, TX 77056A+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 Union10000 N Central Expy Ste 1400, Dallas, TX 75231 2319A5.0 ★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.

Use the tables below to compare CD rates across all terms in Texas side-by-side. Texas CD rates currently reach as high as 5.02% APY from National Police Federal Credit Union at 13465 Midway Rd Ste 104, Dallas, TX 75244 5105. 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 Texas

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Texas 3 Month CD Rates

MonitorBankRates Texas Average · 3 Month CD2.50% APY▲ 0.03% from last weekNational 2.10%
View 3-month CD rate trend

The average 3-month CD rate in Texas is 2.50% APY, compared with 2.10% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month CD
$1,000
4.58% ▲ 2.08% 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%
1 Riverway, Houston, TX 77056
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
2000 Mckinney Ave, Dallas, TX 75201
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%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
2201 Market St, Galveston, TX 77550
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%
2201 Market St, Galveston, TX 77550
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%
104 Sundance Pkwy, Round Rock, TX 78681 7922
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%
104 Sundance Pkwy, Round Rock, TX 78681 7922
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%
2455 Stringer St, Brenham, TX 77833
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
623 Elm St, Graham, TX 76450
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%
502 Paris St, Castroville, TX 78009
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%
777 Main St, Fort Worth, TX 76102
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%
1177 West Loop S, Houston, TX 77027
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%
5640 Democracy Dr, Plano, TX 75024
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%
1002 Camden ST, San Antonio, TX 78215 1452
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%
2000 Mckinney Ave, Dallas, TX 75201
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%
2000 Mckinney Ave, Dallas, TX 75201
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%
2150 Town Square Pl, Sugar Land, TX 77479
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%
10304 East Fwy, Jacinto City, TX 77029
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%
2449 Walnut Hill Ln, Dallas, TX 75229
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%
2449 Walnut Hill Ln, Dallas, TX 75229
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%
4020 Maple Ave, Dallas, TX 75219
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%
5725 Spohn Dr, Corpus Christi, TX 78414 4117
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%
502 Paris St, Castroville, TX 78009
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%
1002 Camden ST, San Antonio, TX 78215 1452
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%
8384 N Belt Line Rd, Irving, TX 75063 6006
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%
2405 S Stemmons Fwy Ste 102 105, Lewisville, TX 75067
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%
10304 East Fwy, Jacinto City, TX 77029
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%
2201 Market St, Galveston, TX 77550
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%
301 S Main St, Perryton, TX 79070
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%
823 Congress Ave Ste 300, Austin, TX 78701 2448
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%
823 Congress Ave Ste 300, Austin, TX 78701 2448
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%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
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%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
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%
10304 East Fwy, Jacinto City, TX 77029
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%
301 W 3rd St, Hereford, TX 79045
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%
502 Paris St, Castroville, TX 78009
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

Texas 6 Month CD Rates

MonitorBankRates Texas Average · 6 Month CD3.25% APY▲ 0.02% from last weekNational 2.79%
View 6-month CD rate trend

The average 6-month CD rate in Texas is 3.25% APY, compared with 2.79% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
1 Riverway, Houston, TX 77056
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%
2601 Network Blvd Ste 600, Frisco, TX 75034
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%
2601 Network Blvd Ste 600, Frisco, TX 75034
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%
300 E King Ave, Kingsville, TX 78363
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%
4405 Summerhill Rd, Texarkana, TX 75503
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%
4405 Summerhill Rd, Texarkana, TX 75503
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%
4405 Summerhill Rd, Texarkana, TX 75503
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%
3775 Stagg Dr, Beaumont, TX 77701
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%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX 77338 4090
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%
3305 Steck Ave Ste 275, Austin, TX 78757
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%
676 Magnolia Ave, Port Neches, TX 77651
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%
750 Town And Country Blvd Ste 100, Houston, TX 77024
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%
1810 N Major Dr, Beaumont, TX 77713
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%
1810 N Major Dr, Beaumont, TX 77713
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%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1100 Highway 327 E, Silsbee, TX 77656
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%
2515 Mckinney Ave, Dallas, TX 75201
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%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
1617 W 7th St, Fort Worth, TX 76102
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%
533 N Alamo Rd, Alamo, TX 78516
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
8384 N Belt Line Rd, Irving, TX 75063 6006
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%
676 Magnolia Ave, Port Neches, TX 77651
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%
3700 Skyline Dr, Nederland, TX 77627 8303
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%
3700 Skyline Dr, Nederland, TX 77627 8303
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%
601 OLIVE ST, TEXARKANA, TX 75501
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%
9978 FM 3129, Queen City, TX 75572
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
623 Elm St, Graham, TX 76450
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%
623 Elm St, Graham, TX 76450
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%
2600 Dallas Pkwy, Frisco, TX 75034
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%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
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%
200 N Elm St, Waxahachie, TX 75165
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%
4519 E 51st St, Odessa, TX 79762
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%
4519 E 51st St, Odessa, TX 79762
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%
2626d West Freeway, Fort Worth, TX 76102
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%
2626d West Freeway, Fort Worth, TX 76102
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%
2601 Network Blvd, Frisco, TX 75034
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%
5740 County Road 4, Bishop, TX 78343
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%
418 McMurrey Dr, Tyler, TX 75702
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
2929 Allen Pkwy, Houston, TX 77019
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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

Texas 12 Month CD Rates

MonitorBankRates Texas Average · 12 Month CD3.38% APY▲ 0.03% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Texas is 3.38% APY, compared with 2.99% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month StartUP Share Certificate
$0
5.00% ▲ 1.62% 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%
2929 Allen Pkwy, Houston, TX 77019
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%
1 Riverway, Houston, TX 77056
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%
676 Magnolia Ave, Port Neches, TX 77651
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%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
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%
16200 Dallas Pkwy, Dallas, TX 75248
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%
533 N Alamo Rd, Alamo, TX 78516
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
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%
4717 Hondo Pass Dr Ste A, El Paso, TX 79904
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%
2000 Mckinney Ave, Dallas, TX 75201
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%
2000 Mckinney Ave, Dallas, TX 75201
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%
4405 Summerhill Rd, Texarkana, TX 75503
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%
3775 Stagg Dr, Beaumont, TX 77701
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%
2431 E 61st St, Tulsa, OK 74136
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%
750 Town And Country Blvd, Houston, TX 77024
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
517 W I 30, Garland, TX 75043
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%
100 Dominion Park Dr, Houston, TX 77090 6716
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%
3700 N 12th St, McAllen, TX 78501
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%
3700 N 12th St, McAllen, TX 78501
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%
3700 N 12th St, McAllen, TX 78501
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%
676 Magnolia Ave, Port Neches, TX 77651
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%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
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%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
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%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
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%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
705 E 12th St, Austin, TX 78701 1909
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%
1810 N Major Dr, Beaumont, TX 77713
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%
1810 N Major Dr, Beaumont, TX 77713
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%
4519 E 51st St, Odessa, TX 79762
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%
3700 Skyline Dr, Nederland, TX 77627 8303
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%
3700 Skyline Dr, Nederland, TX 77627 8303
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%
1100 Highway 327 E, Silsbee, TX 77656
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 Valero Way, San Antonio, TX 78249 1616
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
2000 Mckinney Ave, Dallas, TX 75201
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
1617 W 7th St, Fort Worth, TX 76102
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%
311 E Calvert Ave, Karnes City, TX 78118
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
1001 E Lookout Dr, Richardson, TX 75082
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%
1001 E Lookout Dr, Richardson, TX 75082
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 Valero Way, San Antonio, TX 78249 1616
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%
2601 Network Blvd, Frisco, TX 75034
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%
16320 Kensington Dr, Sugar Land, TX 77479 4097
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%
660 S M L King Jr Pkwy, Beaumont, TX 77701
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%
2600 Dallas Pkwy, Frisco, TX 75034
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

Texas 18 Month CD Rates

MonitorBankRates Texas Average · 18 Month CD3.27% APY▼ 0.01% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Texas is 3.27% APY, compared with 2.87% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
2431 E 61st St, Tulsa, OK 74136
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%
2301 RICHMOND RD, TEXARKANA, TX 75503
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
750 Town And Country Blvd, Houston, TX 77024
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%
4405 Summerhill Rd, Texarkana, TX 75503
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%
3775 Stagg Dr, Beaumont, TX 77701
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
2000 Mckinney Ave, Dallas, TX 75201
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%
7710 Milwaukee Avenue, Lubbock, TX 79424
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%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
1617 W 7th St, Fort Worth, TX 76102
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%
905 Aldine Bender Rd, Houston, TX 77032
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%
1177 West Loop S, Houston, TX 77027
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
623 Elm St, Graham, TX 76450
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
1617 W 7th St, Fort Worth, TX 76102
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 ★
2645 Winrock Blvd, Houston, TX 77057
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
17 S 1st St, Temple, TX 76501 7603
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%
12319 N Mopac Expy, Austin, TX 78758
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%
12319 N Mopac Expy, Austin, TX 78758
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%
1001 E Crosby Rd, Carrollton, TX 75006 7260
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%
301 W 3rd St, Hereford, TX 79045
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
17 S 1st St, Temple, TX 76501 7603
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%
1617 W 7th St, Fort Worth, TX 76102
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%
16320 Kensington Dr, Sugar Land, TX 77479 4097
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%
800 E Main St, Gatesville, TX 76528
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%
325 E Southlake Blvd, Southlake, TX 76092
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%
301 W 3rd St, Hereford, TX 79045
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%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
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%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
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%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
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%
21103 Chenango Lake Dr, Angleton, TX 77515
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%
823 Congress Ave Ste 300, Austin, TX 78701 2448
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%
823 Congress Ave Ste 300, Austin, TX 78701 2448
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%
823 Congress Ave Ste 300, Austin, TX 78701 2448
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

Texas 24 Month CD Rates

MonitorBankRates Texas Average · 24 Month CD3.22% APY▲ 0.03% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Texas is 3.22% APY, compared with 2.88% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
1 Riverway, Houston, TX 77056
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%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
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%
21103 Chenango Lake Dr, Angleton, TX 77515
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%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
2431 E 61st St, Tulsa, OK 74136
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%
2301 RICHMOND RD, TEXARKANA, TX 75503
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%
750 Town And Country Blvd, Houston, TX 77024
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%
311 E Calvert Ave, Karnes City, TX 78118
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
3775 Stagg Dr, Beaumont, TX 77701
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%
2000 Mckinney Ave, Dallas, TX 75201
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%
2000 Mckinney Ave, Dallas, TX 75201
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
555 Dowlen Rd, Beaumont, TX 77706
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%
7915 Fm 1960 Rd W, Houston, TX 77070
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%
1177 West Loop S, Houston, TX 77027
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%
1617 W 7th St, Fort Worth, TX 76102
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
905 Aldine Bender Rd, Houston, TX 77032
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 ★
2645 Winrock Blvd, Houston, TX 77057
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
623 Elm St, Graham, TX 76450
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
1414 Enclave Pkwy Ste 250, Houston, TX 77077 2023
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%
12611 Fuqua St, Houston, TX 77034
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%
12319 N Mopac Expy, Austin, TX 78758
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%
12319 N Mopac Expy, Austin, TX 78758
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
919 S Highway 377, AUBREY, TX 76227
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%
919 S Highway 377, AUBREY, TX 76227
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%
1617 W 7th St, Fort Worth, TX 76102
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%
9993 Kenworthy St, El Paso, TX 79924
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%
502 Paris St, Castroville, TX 78009
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
13860 N Highway 183, Austin, TX 78750
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%
13860 N Highway 183, Austin, TX 78750
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

Texas 36 Month CD Rates

MonitorBankRates Texas Average · 36 Month CD3.14% APY▲ 0.05% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Texas is 3.14% APY, compared with 2.81% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
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%
1 Riverway, Houston, TX 77056
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%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
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%
2300 Texas Ave, Texas City, TX 77590
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
2431 E 61st St, Tulsa, OK 74136
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
1617 W 7th St, Fort Worth, TX 76102
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
3775 Stagg Dr, Beaumont, TX 77701
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%
222 Main St, Sealy, TX 77474
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
1177 West Loop S, Houston, TX 77027
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
1617 W 7th St, Fort Worth, TX 76102
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
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%
12319 N Mopac Expy, Austin, TX 78758
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%
12319 N Mopac Expy, Austin, TX 78758
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
14205 W FM 174, WINDTHORST, TX 76389
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%
14205 W FM 174, WINDTHORST, TX 76389
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%
16320 Kensington Dr, Sugar Land, TX 77479 4097
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%
4717 Hondo Pass Dr Ste A, El Paso, TX 79904
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
4400 W Interstate 40, Amarillo, TX 79106 5940
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
4717 Hondo Pass Dr Ste A, El Paso, TX 79904
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%
8800 US Highway 380, Cross Roads, TX 76227
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

Texas 48 Month CD Rates

MonitorBankRates Texas Average · 48 Month CD3.04% APY▲ 0.04% from last weekNational 2.81%
View 48-month CD rate trend

The average 48-month CD rate in Texas is 3.04% APY, compared with 2.81% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
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%
1617 W 7th St, Fort Worth, TX 76102
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%
3775 Stagg Dr, Beaumont, TX 77701
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
1617 W 7th St, Fort Worth, TX 76102
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
16320 Kensington Dr, Sugar Land, TX 77479 4097
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
12319 N Mopac Expy, Austin, TX 78758
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%
12319 N Mopac Expy, Austin, TX 78758
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%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
623 Elm St, Graham, TX 76450
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
16320 Kensington Dr, Sugar Land, TX 77479 4097
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%
12319 N Mopac Expy, Austin, TX 78758
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%
12319 N Mopac Expy, Austin, TX 78758
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%
502 Paris St, Castroville, TX 78009
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
100 S State Highway 274, Kemp, TX 75143
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%
2300 Texas Ave, Texas City, TX 77590
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%
304 Central Avenue, Longview, TX 75602
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%
304 Central Avenue, Longview, TX 75602
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%
1 Valero Way, San Antonio, TX 78249 1616
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%
1200 Belleview St, Dallas, TX 75215 1837
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%
905 Aldine Bender Rd, Houston, TX 77032
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
502 Paris St, Castroville, TX 78009
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%
1 Valero Way, San Antonio, TX 78249 1616
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

Texas 60 Month CD Rates

MonitorBankRates Texas Average · 60 Month CD3.08% APY▲ 0.04% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Texas is 3.08% APY, compared with 2.90% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
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%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
12611 Fuqua St, Houston, TX 77034
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
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%
2309 Montgomery St, Fort Worth, TX 76107 4520
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
1617 W 7th St, Fort Worth, TX 76102
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%
12319 N Mopac Expy, Austin, TX 78758
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%
12319 N Mopac Expy, Austin, TX 78758
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%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
16320 Kensington Dr, Sugar Land, TX 77479 4097
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%
3775 Stagg Dr, Beaumont, TX 77701
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
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%
1177 West Loop S, Houston, TX 77027
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
13649 Montfort Dr, Dallas, TX 75240 2521
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%
1617 W 7th St, Fort Worth, TX 76102
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
2900 Decker Dr, Baytown, TX 77520 2076
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%
12319 N Mopac Expy, Austin, TX 78758
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%
12319 N Mopac Expy, Austin, TX 78758
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%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
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%
8929 Shoal Creek Blvd, Austin, TX 78757
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%
623 Elm St, Graham, TX 76450
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
16320 Kensington Dr, Sugar Land, TX 77479 4097
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
104 Sundance Pkwy, Round Rock, TX 78681 7922
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%
104 Sundance Pkwy, Round Rock, TX 78681 7922
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%
2300 Lohmans Spur Rd, Lakeway, TX 78734
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%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
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%
8800 US Highway 380, Cross Roads, TX 76227
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%
502 Paris St, Castroville, TX 78009
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%
1200 Belleview St, Dallas, TX 75215 1837
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 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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Texas CD Rate Trends

Compare local Texas 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 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 Texas
45 Banks 108 Credit Unions

About Our Texas CD Rate Database

MonitorBankRates tracks 3,452 CD rates from 45 banks and 108 credit unions with locations in 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 Texas.

How to Find the Best CD Rates in Texas

What to compare when shopping for a CD in Texas

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

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Texas savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Texas money market rates

Texas Financial Snapshot

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

Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$44,072
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$149/yr
At TX 12-mo avg 3.383% APY

13.4% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 3.383%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $149 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 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 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 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 Texas as everywhere in the U.S.

Choosing a CD Term in 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 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 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 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 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 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 Texas

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

Are CD rates in Texas FDIC insured?

Yes, most established banks in 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 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 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 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 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 Texas. Last Updated: October 12, 2026

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 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 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 Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Texas

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.

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 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 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 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 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

Texas Rates & Resources

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Cities in Texas

  • Abbott
  • Abernathy
  • Abilene
  • Ace
  • Ackerly
  • Addison
  • Adkins
  • Adrian
  • Afton
  • Agua Dulce
  • Aiken
  • Alamo
  • Alamo Heights
  • Alanreed
  • Alba
  • Albany
  • Aledo
  • Alice
  • Alief
  • Allen
  • Alleyton
  • Allison
  • Alma
  • Alpine
  • Altair
  • Alto
  • Alton
  • Alvarado
  • Alvin
  • Alvord
  • Amarillo
  • Ames
  • Amherst
  • Anahuac
  • Anderson
  • Andrews
  • Angleton
  • Angus
  • Anna
  • Annetta
  • Annetta North
  • Annetta South
  • Annona
  • Anson
  • Anthony
  • Anton
  • Apple Springs
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  • Aquilla
  • Aransas Pass
  • Archer City
  • Arcola
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  • Armstrong
  • Arp
  • Art
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  • Arthur City
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  • Athens
  • Atlanta
  • Aubrey
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  • Bailey
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  • Baird
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  • Barnhart
  • Barry
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  • Bartonville
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  • Belmont
  • Belton
  • Ben Bolt
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  • Ben Wheeler
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  • Bergheim
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  • Bevil Oaks
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  • Bigfoot
  • Bishop
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  • Blessing
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  • Bloomington
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  • Bluegrove
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  • Bluffton
  • Blum
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  • Bogata
  • Boling
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  • Booker
  • Borger
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  • Canyon
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  • Carbon
  • Carey
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  • Carrollton
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  • Cason
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  • Castle Hills
  • Castroville
  • Cat Spring
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  • Cedar Hill
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  • Chalk
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  • Cuero
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  • Cypress
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  • Dale
  • Dalhart
  • Dallardsville
  • Dallas
  • Dalworthington Gardens
  • Damon
  • Danbury
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  • Davilla
  • Dawn
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  • Dayton
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  • De Berry
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  • Dean
  • Deanville
  • Decatur
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  • Delmita
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  • Deport
  • Desdemona
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  • Devers
  • Devine
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  • Diana
  • Diboll
  • Dickens
  • Dickinson
  • Dike
  • Dilley
  • Dime Box
  • Dimmitt
  • Dinero
  • DISH
  • Dobbin
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  • Dodge
  • Dodson
  • Domino
  • Donie
  • Donna
  • Doole
  • Dorchester
  • Doss
  • Double Horn
  • Double Oak
  • Doucette
  • Dougherty
  • Douglass
  • Douglassville
  • Driftwood
  • Dripping Springs
  • Driscoll
  • Dryden
  • Dublin
  • Dumas
  • Dumont
  • Duncanville
  • Dunn
  • Eagle Lake
  • Eagle Pass
  • Early
  • Earth
  • East Bernard
  • East Mountain
  • East Tawakoni
  • Eastland
  • Easton
  • Ecleto
  • Ector
  • Edcouch
  • Eddy
  • Eden
  • Edgecliff Village
  • Edgewood
  • Edinburg
  • Edmonson
  • Edna
  • Edom
  • Edroy
  • Egypt
  • El Campo
  • El Cenizo
  • El Indio
  • El Lago
  • El Paso
  • Eldorado
  • Electra
  • Elgin
  • Elkhart
  • Ellinger
  • Elm Mott
  • Elmaton
  • Elmendorf
  • Elmo
  • Elsa
  • Elysian Fields
  • Emhouse
  • Emory
  • Enchanted Oaks
  • Encinal
  • Encino
  • Energy
  • Enloe
  • Ennis
  • Enochs
  • Eola
  • Era
  • Escobares
  • Estelline
  • Etoile
  • Euless
  • Eureka
  • Eustace
  • Evadale
  • Evant
  • Everman
  • Fabens
  • Fair Oaks Ranch
  • Fairchilds
  • Fairfield
  • Fairview
  • Falcon Heights
  • Falfurrias
  • Falls City
  • Fannin
  • Farmers Branch
  • Farmersville
  • Farnsworth
  • Farwell
  • Fate
  • Fayetteville
  • Fentress
  • Ferris
  • Fieldton
  • Fischer
  • Flat
  • Flatonia
  • Flint
  • Flomot
  • Florence
  • Floresville
  • Flower Mound
  • Floydada
  • Fluvanna
  • Flynn
  • Follett
  • Forest Hill
  • Forestburg
  • Forney
  • Forreston
  • Forsan
  • Fort Davis
  • Fort Hancock
  • Fort McKavett
  • Fort Stockton
  • Fort Worth
  • Fowlerton
  • Francitas
  • Franklin
  • Frankston
  • Fred
  • Fredericksburg
  • Fredonia
  • Freeport
  • Freer
  • Fresno
  • Friendswood
  • Friona
  • Frisco
  • Fritch
  • Frost
  • Fruitvale
  • Fulshear
  • Fulton
  • Gail
  • Gainesville
  • Galena Park
  • Gallatin
  • Galveston
  • Ganado
  • Garciasville
  • Garden City
  • Garden Ridge
  • Gardendale
  • Garland
  • Garrett
  • Garrison
  • Garwood
  • Gary
  • Gary City
  • Gatesville
  • Gause
  • Geneva
  • George West
  • Georgetown
  • Geronimo
  • Gholson
  • Giddings
  • Gilchrist
  • Gillett
  • Gilmer
  • Girard
  • Girvin
  • Gladewater
  • Glen Flora
  • Glen Rose
  • Glenn Heights
  • Glidden
  • Gober
  • Godley
  • Golden
  • Goldsboro
  • Goldsmith
  • Goldthwaite
  • Goliad
  • Golinda
  • Gonzales
  • Goodlow
  • Goodrich
  • Gordon
  • Gordonville
  • Goree
  • Gorman
  • Gouldbusk
  • Graford
  • Graham
  • Granbury
  • Grand Prairie
  • Grand Saline
  • Grandfalls
  • Grandview
  • Granger
  • Granite Shoals
  • Granjeno
  • Grapeland
  • Grapevine
  • Grays Prairie
  • Greenville
  • Greenwood
  • Gregory
  • Grey Forest
  • Groesbeck
  • Groom
  • Groves
  • Groveton
  • Grulla
  • Gruver
  • Guerra
  • Gun Barrel City
  • Gunter
  • Gustine
  • Guthrie
  • Guy
  • Hackberry
  • Hale Center
  • Hallettsville
  • Hallsburg
  • Hallsville
  • Haltom City
  • Hamilton
  • Hamlin
  • Hamshire
  • Hankamer
  • Happy
  • Hardin
  • Hargill
  • Harker Heights
  • Harleton
  • Harlingen
  • Harper
  • Harrold
  • Hart
  • Hartley
  • Harwood
  • Haskell
  • Haslet
  • Hawk Cove
  • Hawkins
  • Hawley
  • Hays
  • Hearne
  • Heath
  • Hebbronville
  • Hebron
  • Hedley
  • Hedwig Village
  • Heidenheimer
  • Helotes
  • Hemphill
  • Hempstead
  • Henderson
  • Henrietta
  • Hereford
  • Hermleigh
  • Hewitt
  • Hext
  • Hickory Creek
  • Hico
  • Hidalgo
  • Hideaway
  • Higgins
  • High Island
  • Highland Haven
  • Highland Park
  • Highland Village
  • Highlands
  • Hill Country Village
  • Hillcrest Village
  • Hillister
  • Hillsboro
  • Hilshire Village
  • Hitchcock
  • Hobson
  • Hochheim
  • Hockley
  • Holiday Lakes
  • Holland
  • Holliday
  • Hollywood Park
  • Hondo
  • Honey Grove
  • Hooks
  • Horizon City
  • Horseshoe Bay
  • Houston
  • Howardwick
  • Howe
  • Hubbard
  • Hudson
  • Hudson Oaks
  • Huffman
  • Hufsmith
  • Hughes Springs
  • Hull
  • Humble
  • Hungerford
  • Hunt
  • Hunters Creek Village
  • Huntington
  • Huntsville
  • Hurst
  • Hutchins
  • Hutto
  • Huxley
  • Hye
  • Idalou
  • Impact
  • Imperial
  • Indian Lake
  • Industry
  • Inez
  • Ingleside
  • Ingleside on the Bay
  • Ingram
  • Iola
  • Iowa Colony
  • Iowa Park
  • Ira
  • Iraan
  • Iredell
  • Irene
  • Irving
  • Italy
  • Itasca
  • Ivanhoe
  • Jacinto City
  • Jacksboro
  • Jacksonville
  • Jamaica Beach
  • Jarrell
  • Jasper
  • Jayton
  • Jefferson
  • Jermyn
  • Jersey Village
  • Jewett
  • Joaquin
  • Johnson City
  • Joinerville
  • Jolly
  • Jones Creek
  • Jonesboro
  • Jonestown
  • Jonesville
  • Josephine
  • Joshua
  • Jourdanton
  • Judson
  • Junction
  • Justiceburg
  • Justin
  • Kamay
  • Karnack
  • Karnes City
  • Katy
  • Kaufman
  • Keene
  • Keller
  • Kemah
  • Kemp
  • Kempner
  • Kendalia
  • Kendleton
  • Kenedy
  • Kenefick
  • Kennard
  • Kennedale
  • Kenney
  • Kerens
  • Kermit
  • Kerrville
  • Kildare
  • Kilgore
  • Killeen
  • Kingsbury
  • Kingsland
  • Kingsville
  • Kirby
  • Kirbyville
  • Kirkland
  • Kirvin
  • Klondike
  • Knickerbocker
  • Knippa
  • Knollwood
  • Knott
  • Knox City
  • Kopperl
  • Kosse
  • Kountze
  • Kress
  • Krugerville
  • Krum
  • Kurten
  • Kyle
  • La Blanca
  • La Coste
  • La Feria
  • La Grange
  • La Grulla
  • La Joya
  • La Marque
  • La Porte
  • La Pryor
  • La Salle
  • La Vernia
  • La Victoria
  • La Villa
  • La Ward
  • Lacy-Lakeview
  • Ladonia
  • Lago Vista
  • Laguna Park
  • Laguna Vista
  • Laird Hill
  • Lake Bridgeport
  • Lake City
  • Lake Creek
  • Lake Dallas
  • Lake Jackson
  • Lake Tanglewood
  • Lake Worth
  • Lakeport
  • Lakeside
  • Lakeside City
  • Lakeview
  • Lakeway
  • Lakewood Village
  • Lamesa
  • Lampasas
  • Lancaster
  • Lane City
  • Laneville
  • Langtry
  • Laredo
  • Larue
  • Lasara
  • Latexo
  • Laughlin A F B
  • Lavon
  • Lawn
  • Lazbuddie
  • League City
  • Leakey
  • Leander
  • Leary
  • Ledbetter
  • Leesburg
  • Leesville
  • Lefors
  • Leggett
  • Lelia Lake
  • Leming
  • Lenorah
  • Leon Junction
  • Leon Valley
  • Leona
  • Leonard
  • Leroy
  • Levelland
  • Lewisville
  • Lexington
  • Liberty
  • Liberty Hill
  • Lillian
  • Lincoln
  • Lindale
  • Linden
  • Lindsay
  • Lingleville
  • Linn
  • Lipan
  • Lipscomb
  • Lissie
  • Little Elm
  • Little River
  • Little River-Academy
  • Littlefield
  • Live Oak
  • Liverpool
  • Livingston
  • Llano
  • Lockhart
  • Lockney
  • Lodi
  • Log Cabin
  • Lohn
  • Lolita
  • Lometa
  • London
  • Lone Oak
  • Lone Star
  • Long Branch
  • Long Mott
  • Longview
  • Loop
  • Lopeno
  • Loraine
  • Lorena
  • Lorenzo
  • Los Ebanos
  • Los Fresnos
  • Los Indios
  • Los Ybanez
  • Lott
  • Louise
  • Lovelady
  • Loving
  • Lowake
  • Lowry Crossing
  • Lozano
  • Lubbock
  • Lucas
  • Lueders
  • Lufkin
  • Luling
  • Lumberton
  • Lyford
  • Lyons
  • Lytle
  • Mabank
  • Macdona
  • Madisonville
  • Magnolia
  • Malakoff
  • Malone
  • Manchaca
  • Manor
  • Mansfield
  • Manvel
  • Maple
  • Marathon
  • Marble Falls
  • Marfa
  • Marietta
  • Marion
  • Markham
  • Marlin
  • Marquez
  • Marshall
  • Mart
  • Martindale
  • Martinsville
  • Maryneal
  • Mason
  • Masterson
  • Matador
  • Matagorda
  • Mathis
  • Maud
  • Mauriceville
  • Maxwell
  • May
  • Maydelle
  • Maypearl
  • Maysfield
  • Mcadoo
  • McAllen
  • McCamey
  • McCaulley
  • McCoy
  • McDade
  • Mcfaddin
  • McGregor
  • McKinney
  • Mclean
  • McLendon-Chisholm
  • McLeod
  • McNeil
  • McQueeney
  • Meadow
  • Meadowlakes
  • Meadows Place
  • Medina
  • Megargel
  • Melissa
  • Melvin
  • Memphis
  • Menard
  • Mentone
  • Mercedes
  • Mereta
  • Meridian
  • Merit
  • Merkel
  • Mertens
  • Mertzon
  • Mesquite
  • Mexia
  • Meyersville
  • Miami
  • Mico
  • Midfield
  • Midkiff
  • Midland
  • Midlothian
  • Midway
  • Milam
  • Milano
  • Mildred
  • Miles
  • Milford
  • Miller's Cove
  • Millersview
  • Millican
  • Millsap
  • Minden
  • Mineola
  • Mineral
  • Mineral Wells
  • Mingus
  • Mirando City
  • Mission
  • Missouri City
  • Mobeetie
  • Mobile City
  • Monahans
  • Mont Belvieu
  • Montague
  • Montalba
  • Montgomery
  • Moody
  • Moore
  • Moore Station
  • Moran
  • Morgan
  • Morgan Mill
  • Morgan's Point
  • Morgan's Point Resort
  • Morse
  • Morton
  • Moscow
  • Moulton
  • Mound
  • Mount Calm
  • Mount Enterprise
  • Mount Pleasant
  • Mount Vernon
  • Mountain City
  • Mountain Home
  • Muenster
  • Muldoon
  • Muleshoe
  • Mullin
  • Mumford
  • Munday
  • Murchison
  • Murphy
  • Mustang Ridge
  • Myra
  • Nacogdoches
  • Nada
  • Naples
  • Nash
  • Nassau Bay
  • Natalia
  • Naval Air Station/ Jrb
  • Navarro
  • Navasota
  • Nazareth
  • Neches
  • Nederland
  • Needville
  • Nemo
  • Nevada
  • New Baden
  • New Berlin
  • New Boston
  • New Braunfels
  • New Caney
  • New Chapel Hill
  • New Deal
  • New Fairview
  • New Home
  • New Hope
  • New London
  • New Summerfield
  • New Ulm
  • New Waverly
  • Newark
  • Newcastle
  • Newgulf
  • Newton
  • Neylandville
  • Niederwald
  • Nixon
  • Nocona
  • Nolan
  • Nolanville
  • Nome
  • Noonday
  • Nordheim
  • Normangee
  • Normanna
  • North Cleveland
  • North Houston
  • North Richland Hills
  • North Zulch
  • Northlake
  • Norton
  • Notrees
  • Novice
  • Nursery
  • O Brien
  • Oak Grove
  • Oak Leaf
  • Oak Point
  • Oak Ridge
  • Oak Ridge North
  • Oak Valley
  • Oakhurst
  • Oakland
  • Oakville
  • Oakwood
  • Odell
  • Odem
  • Odessa
  • Odonnell
  • Oglesby
  • Oilton
  • Oklaunion
  • Old Glory
  • Old Ocean
  • Old River-Winfree
  • Olden
  • Olmito
  • Olmos Park
  • Olney
  • Olton
  • Omaha
  • Onalaska
  • Opdyke West
  • Orange
  • Orange Grove
  • Orangefield
  • Orchard
  • Ore City
  • Orla
  • Ottine
  • Otto
  • Ovalo
  • Overton
  • Ovilla
  • Oyster Creek
  • Ozona
  • Paducah
  • Paige
  • Paint Rock
  • Palacios
  • Palestine
  • Palisades
  • Palm Valley
  • Palmer
  • Palmhurst
  • Palmview
  • Palo Pinto
  • Paluxy
  • Pampa
  • Pandora
  • Panhandle
  • Panna Maria
  • Panola
  • Panorama Village
  • Pantego
  • Paradise
  • Paris
  • Parker
  • Pasadena
  • Pattison
  • Patton Village
  • Pattonville
  • Pawnee
  • Payne Springs
  • Pear Valley
  • Pearland
  • Pearsall
  • Peaster
  • Pecan Gap
  • Pecan Hill
  • Pecos
  • Peggy
  • Pelican Bay
  • Pendleton
  • Penelope
  • Penitas
  • Pennington
  • Penwell
  • Pep
  • Perrin
  • Perry
  • Perryton
  • Petersburg
  • Petrolia
  • Petronila
  • Pettus
  • Petty
  • Pflugerville
  • Pharr
  • Pickton
  • Pierce
  • Pilot Point
  • Pine Forest
  • Pine Island
  • Pinehurst
  • Pineland
  • Piney Point Village
  • Pipe Creek
  • Pittsburg
  • Placedo
  • Plains
  • Plainview
  • Plano
  • Plantersville
  • Pleak
  • Pleasant Valley
  • Pleasanton
  • Pledger
  • Plum
  • Plum Grove
  • Poetry
  • Point
  • Point Comfort
  • Point Venture
  • Pointblank
  • Pollok
  • Ponder
  • Pontotoc
  • Poolville
  • Port Aransas
  • Port Arthur
  • Port Bolivar
  • Port Isabel
  • Port Lavaca
  • Port Mansfield
  • Port Neches
  • Port O Connor
  • Porter
  • Portland
  • Post
  • Post Oak Bend
  • Poteet
  • Poth
  • Pottsboro
  • Pottsville
  • Powderly
  • Powell
  • Poynor
  • Prairie Hill
  • Prairie Lea
  • Prairie View
  • Premont
  • Presidio
  • Price
  • Priddy
  • Primera
  • Princeton
  • Proctor
  • Progreso
  • Progreso Lakes
  • Prosper
  • Providence Village
  • Purdon
  • Purmela
  • Putnam
  • Pyote
  • Quail
  • Quanah
  • Queen City
  • Quemado
  • Quinlan
  • Quintana
  • Quitaque
  • Quitman
  • Rainbow
  • Ralls
  • Rancho Alegre
  • Rancho Viejo
  • Randolph
  • Ranger
  • Rankin
  • Ransom Canyon
  • Ratcliff
  • Ravenna
  • Raymondville
  • Raywood
  • Reagan
  • Realitos
  • Red Lick
  • Red Oak
  • Red Rock
  • Redford
  • Redwater
  • Refugio
  • Reklaw
  • Reno
  • Retreat
  • Rhome
  • Rice
  • Richards
  • Richardson
  • Richland
  • Richland Hills
  • Richland Springs
  • Richmond
  • Richwood
  • Riesel
  • Ringgold
  • Rio Bravo
  • Rio Frio
  • Rio Grande City
  • Rio Hondo
  • Rio Medina
  • Rio Vista
  • Rising Star
  • River Oaks
  • Riverside
  • Riviera
  • Road Runner
  • Roanoke
  • Roans Prairie
  • Roaring Springs
  • Robert Lee
  • Robinson
  • Robstown
  • Roby
  • Rochelle
  • Rochester
  • Rock Island
  • Rockdale
  • Rockport
  • Rocksprings
  • Rockwall
  • Rockwood
  • Rocky Mound
  • Rogers
  • Rollingwood
  • Roma
  • Roman Forest
  • Romayor
  • Roosevelt
  • Ropesville
  • Rosanky
  • Roscoe
  • Rose City
  • Rose Hill Acres
  • Rosebud
  • Rosenberg
  • Rosharon
  • Ross
  • Rosser
  • Rosston
  • Rotan
  • Round Mountain
  • Round Rock
  • Round Top
  • Rowena
  • Rowlett
  • Roxton
  • Royalty
  • Royse City
  • Rule
  • Runaway Bay
  • Runge
  • Rusk
  • Rye
  • Sabinal
  • Sabine Pass
  • Sachse
  • Sacul
  • Sadler
  • Saginaw
  • Saint Hedwig
  • Saint Jo
  • Saint Paul
  • Salado
  • Salineno
  • Salt Flat
  • Saltillo
  • Samnorwood
  • San Angelo
  • San Antonio
  • San Augustine
  • San Benito
  • San Diego
  • San Elizario
  • San Felipe
  • San Isidro
  • San Juan
  • San Leanna
  • San Leon
  • San Marcos
  • San Patricio
  • San Perlita
  • San Saba
  • San Ygnacio
  • Sanctuary
  • Sanderson
  • Sandia
  • Sandy
  • Sandy Oaks
  • Sandy Point
  • Sanford
  • Sanger
  • Sansom Park
  • Santa Anna
  • Santa Clara
  • Santa Elena
  • Santa Fe
  • Santa Maria
  • Santa Rosa
  • Santo
  • Saragosa
  • Saratoga
  • Sarita
  • Satin
  • Savoy
  • Schertz
  • Schulenburg
  • Schwertner
  • Scotland
  • Scottsville
  • Scroggins
  • Scurry
  • Seabrook
  • Seadrift
  • Seagoville
  • Seagraves
  • Sealy
  • Sebastian
  • Seguin
  • Selma
  • Selman City
  • Seminole
  • Seven Oaks
  • Seven Points
  • Seymour
  • Shady Shores
  • Shafter
  • Shallowater
  • Shamrock
  • Shavano Park
  • Sheffield
  • Shelbyville
  • Shenandoah
  • Shepherd
  • Sheridan
  • Sherman
  • Shiner
  • Shiro
  • Shoreacres
  • Sidney
  • Sienna Plantation
  • Sierra Blanca
  • Silsbee
  • Silver
  • Silverton
  • Simms
  • Simonton
  • Sinton
  • Skellytown
  • Skidmore
  • Slaton
  • Slidell
  • Smiley
  • Smithville
  • Smyer
  • Snook
  • Snyder
  • Socorro
  • Somerset
  • Somerville
  • Sonora
  • Sour Lake
  • South Bend
  • South Frydek
  • South Houston
  • South Mountain
  • South Padre Island
  • South Plains
  • Southlake
  • Southmayd
  • Southside Place
  • Spade
  • Speaks
  • Spearman
  • Spicewood
  • Splendora
  • Spofford
  • Spring
  • Spring Branch
  • Spring Valley Village
  • Springlake
  • Springtown
  • Spur
  • Spurger
  • Stafford
  • Stagecoach
  • Stamford
  • Stanton
  • Staples
  • Star
  • Star Harbor
  • Stephenville
  • Sterling City
  • Stinnett
  • Stockdale
  • Stockton Bend
  • Stonewall
  • Stowell
  • Stratford
  • Strawn
  • Streetman
  • Sublime
  • Sudan
  • Sugar Land
  • Sullivan City
  • Sulphur Bluff
  • Sulphur Springs
  • Summerfield
  • Sumner
  • Sun Valley
  • Sundown
  • Sunnyvale
  • Sunray
  • Sunrise Beach Village
  • Sunset
  • Sunset Valley
  • Surfside Beach
  • Sutherland Springs
  • Sweeny
  • Sweet Home
  • Sweetwater
  • Sylvester
  • Taft
  • Tahoka
  • Talco
  • Talpa
  • Talty
  • Tarpley
  • Tarzan
  • Tatum
  • Taylor
  • Taylor Lake Village
  • Taylor Landing
  • Teague
  • Tehuacana
  • Telegraph
  • Telephone
  • Telferner
  • Tell
  • Temple
  • Tenaha
  • Tennessee Colony
  • Tennyson
  • Terlingua
  • Terrell
  • Terrell Hills
  • Texarkana
  • Texas City
  • Texhoma
  • Texline
  • The Colony
  • The Hills
  • Thicket
  • Thomaston
  • Thompsons
  • Thorndale
  • Thornton
  • Thorntonville
  • Thrall
  • Three Rivers
  • Throckmorton
  • Tiki Island
  • Tilden
  • Timbercreek Canyon
  • Timpson
  • Tioga
  • Tira
  • Tivoli
  • Toco
  • Todd Mission
  • Tokio
  • Tolar
  • Tom Bean
  • Tomball
  • Tool
  • Tornillo
  • Tow
  • Toyah
  • Toyahvale
  • Trent
  • Trenton
  • Trinidad
  • Trinity
  • Trophy Club
  • Troup
  • Troy
  • Tuleta
  • Tulia
  • Turkey
  • Tuscola
  • Tye
  • Tyler
  • Tynan
  • Uhland
  • Umbarger
  • Uncertain
  • Union Grove
  • Union Valley
  • Universal City
  • University Park
  • Utopia
  • Uvalde
  • Valentine
  • Valera
  • Valley Mills
  • Valley Spring
  • Valley View
  • Van
  • Van Alstyne
  • Van Horn
  • Van Vleck
  • Vancourt
  • Vanderbilt
  • Vanderpool
  • Vega
  • Venus
  • Veribest
  • Vernon
  • Victoria
  • Vidor
  • Village Mills
  • Vinton
  • Voca
  • Volente
  • Von Ormy
  • Voss
  • Votaw
  • Voth
  • Waco
  • Wadsworth
  • Waelder
  • Waka
  • Wake Village
  • Walburg
  • Wall
  • Waller
  • Wallis
  • Wallisville
  • Walnut Springs
  • Warda
  • Waring
  • Warren
  • Warren City
  • Washington
  • Waskom
  • Watauga
  • Water Valley
  • Waxahachie
  • Wayside
  • Weatherford
  • Webberville
  • Webster
  • Weesatche
  • Weimar
  • Weinert
  • Weir
  • Welch
  • Wellborn
  • Wellington
  • Wellman
  • Wells
  • Weslaco
  • West
  • West Columbia
  • West Lake Hills
  • West Orange
  • West Point
  • West Tawakoni
  • West University Place
  • Westbrook
  • Westhoff
  • Westlake
  • Westminster
  • Weston
  • Weston Lakes
  • Westover Hills
  • Westworth Village
  • Wharton
  • Wheeler
  • Wheelock
  • White Deer
  • White Oak
  • White Settlement
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