Celeste, Texas Best CD Rates October 2026

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

Jumbo CDs of $500,000 and over.

No minimum deposit.

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.

Balance: $5,000.00 - $99,999.99

Balance tier starting at $1,000; Minimum Deposit column

Compounded:; Credited: At Maturity

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.

Open Account

Featured rate for 3-month term; see disclosures

Interest Rate: 3.70%; APY: 3.75%

Balance: $500+; Effective 9/17/26; early withdrawal penalty may apply

Balance: $100,000 and over

Balance: $100,000 and over

Effective Date: 09/01/2026; Requires $95,000 of New-to-Tech CU money; $95,000 must be maintained to earn APY

Effective Date: 09/01/2026; APY available on minimum $1,000 of new-to-Tech CU money; penalties for early withdrawal

Balance: Less than $50,000

Share Type: Regular or IRA; Dividends Paid: Monthly

Non-Compounding Certificates available

Dividend rate tier starting at $250,001

Dividend rate tier starting at $100,001

Balance: $500 & over

Balance: 500 & over

Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal

Minimum deposit tier

Dividend rate tier starting at $50,001

Balance: $225,000 or greater

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.

IRA Certificate

High-Yield Rewards Checking Account required

Effective 9/17/26; Minimum $500.00 purchase; Early withdrawal penalty may apply

Certificate Rates ($1,000 minimum balance)

Minimum: $99,000.00 or greater; Tier 3; Balance: $99,000.00 or greater

Minimum: $99,000.00 or greater; Tier 3; Balance: $99,000.00 or greater

Rates are subject to change without notice

Minimum deposit tier

Dividend rate tier starting at $1,000

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Compounded:; Credited: At Maturity

Compounded:; Credited: At Maturity

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

Interest paid monthly; interest compounded and credited monthly; penalty for early withdrawal

Jumbo $90,000

Jumbo $90,000

Penalty for early withdrawal.

Rate effective 03-01-2026; All share rates paid or compounded monthly