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CD Rate Trends

Dallas, Texas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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 27, 2026

Dallas, Texas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 27, 2026. Current Dallas, Texas CD rates include Advancial Federal Credit UnionAdvancial Federal Credit Union10000 N Central Expy Ste 1400, Dallas, TX 75231 2319A5.0 ★Texas Ratio: 12.30%Real return: +1.17%APY minus CPIRate verified Oct 26, 2026 offering 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% APY, 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: +1.11%APY minus CPIRate verified Oct 23, 2026 offering 24-Month IRA at 4.81% APY, T BankT Bank16200 Dallas Pkwy, Dallas, TX 75248B+4.8 ★Texas Ratio: 17.09%Real return: +0.95%APY minus CPIRate verified Oct 27, 2026 offering 12 Month CD - Branch at 4.65% APY, Austin Capital BankAustin Capital Bank9101 Lbj Freeway Suite 300 20 and 21, Dallas, TX 75243A+5.0 ★Texas Ratio: 2.96%Real return: +0.88%APY minus CPIRate verified Oct 21, 2026 offering 3 Month Certificate of Deposit at 4.58% APY, and Vio BankVio Bank1920 Mckinney Ave, Dallas, TX 75201A+5.0 ★Texas Ratio: 4.93%Real return: +0.70%APY minus CPIRate verified Oct 26, 2026 offering Certificate of Deposit - 24 Month at 4.40% APY. CD rates as of October 27, 2026 according to verified data from MonitorBankRates.

Dallas has 506 local institutions in our database, with CD rates as high as 4.87% APY from Advancial Federal Credit Union at 10000 N Central Expy Ste 1400, Dallas, TX 75231 2319. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 27, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Dallas 3 Month CD Rates

Texas 3 Month CD Average2.50% APYNational 2.12%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
9101 Lbj Freeway Suite 300 20 and 21, Dallas, TX 75243
3 Month Certificate of Deposit
$0
4.58% ▲ 2.08% above Texas avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.12%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 27, 2026: 4.32% APYOct 3, 2026: 4.58% APYSep 27, 2026Oct 28, 2026
  • Oct 3, 20264.58%▲ from 4.32%
  • Sep 27, 20264.32%first recorded
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
3 Month Share Certificate
$0
4.25% ▲ 1.75% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.75% above avgNationally 2.12%
Details

APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026

Rate History
1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 25, 2026: 3.50% APYOct 23, 2026: 4.25% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20264.25%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
3-Month HYRC Certificate
$0
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 3 Months
$1,000
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details

Minimum deposit of $1,000 required within 10 business days of account opening

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 28, 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 Certificate - 3 Months
$500
4.08% ▲ 1.58% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.58% above avgNationally 2.12%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 15, 2026: 4.08% APYOct 15, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Frost Certificate of Deposit Account
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: $500,000.00 and over; Jumbo CD; Visit a Frost financial center for CDs of $500,000 and over

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Jumbo CD
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: $500,000.00 and over; Visit a Frost financial center

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
Frost Business Certificate of Deposit - 90 Day
$1,000
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: $500,000 and over; Promotional rate for new CDs opened during promotion; CDs opened prior to 5/1/2023 that are up for renewal during promotion not eligible

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
4228 N Central Expy, Dallas, TX 75206
3-Month Time Deposit Account Special Offer
$500
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.12%
Details

Balance: under $100k; Limited time special offer; Requires $500 new money (existing customers: $0.75 of every $1.00 new money); Not available for individual retirement or business accounts; Early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
3-Month Certificate
$0
3.85% ▲ 1.35% above Texas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.12%
Details

$1,000 minimum

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 28, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
90 Day Star Certificate of Deposit
$1,000
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

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 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Star Certificates of Deposit - 90 Days
$1,000
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 28, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Certificate Of Deposit (CD) - 90 Day
$1,000
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

Notes: $1,000 minimum deposit to open. Interest rates are variable and determined daily by One World Bank's discretion. CD product rates are fixed upon opening the account. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
Certificates of Deposit (CD) - 3-Month
$0
3.75% ▲ 1.25% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.12%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Frost Certificate of Deposit Account
$0
3.70% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
Frost Business Certificate of Deposit - 90 Day
$1,000
3.70% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details

Balance: $100,000.00 and over

Rate History
1 change since Oct 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Oct 14, 2026: 3.65% APYOct 20, 2026: 3.70% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20263.70%▲ from 3.65%
  • Oct 14, 20263.65%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
8201 Preston Rd, Dallas, TX 75225
3-Month CD
$1,000
3.40% ▲ 0.90% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.90% above avgNationally 2.12%
Details

Early withdrawal penalty applies; many interest payment options available

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
90 Day Frost Certificate of Deposit Account
$0
3.35% ▲ 0.85% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.85% above avgNationally 2.12%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 20, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 20, 2026: 3.35% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
Frost Business Certificate of Deposit - 90 Day
$1,000
3.35% ▲ 0.85% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.85% above avgNationally 2.12%
Details

Balance: $1,000.00 - $99,999.99

Rate History
1 change since Oct 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30%
2.80%3.33%3.85%Oct 14, 2026: 3.30% APYOct 20, 2026: 3.35% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20263.35%▲ from 3.30%
  • Oct 14, 20263.30%first recorded
Community National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
17855 Dallas Pkwy, Dallas, TX 75287
90 Day Certificate of Deposit
$0
3.19% ▲ 0.69% above Texas avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 0.69% above avgNationally 2.12%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 26, 2026 · 3.19% APY · checked 2 times
2.69%3.19%3.69%Oct 26, 2026: 3.19% APYOct 26, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
3 Month Jumbo CD
$90,000
3.05% ▲ 0.55% above Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.55% above avgNationally 2.12%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 10 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificate of Deposit - 3 Months
$90,000
3.05% ▲ 0.55% above Texas avg
View
▼
Rate3.02%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.55% above avgNationally 2.12%
Details

Jumbo Certificates of Deposit; Interest compounded quarterly is not applicable for terms under one year

Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 28, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
CD - 3 Month
$0
2.94% ▲ 0.44% above Texas avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.44% above avgNationally 2.12%
Details

Rate History
No change since Oct 20, 2026 · 2.94% APY · checked 2 times
2.44%2.94%3.44%Oct 20, 2026: 2.94% APYOct 20, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
Standard CD - 3 month
$10,000
2.70% ▲ 0.20% above Texas avg
View
▼
Rate2.67%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.20% above avgNationally 2.12%
Details

NexBank Standard CDs: $10,000 minimum to open; effective 10/13/2026

Rate History
No change since Oct 20, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 20, 2026: 2.70% APYOct 20, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65% ▲ 0.15% above Texas avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.15% above avgNationally 2.12%
Details

Rate History
No change since Oct 14, 2026 · 2.65% APY · checked 3 times
2.15%2.65%3.15%Oct 14, 2026: 2.65% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55% ▲ 0.05% above Texas avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.05% above avgNationally 2.12%
Details

Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 3 times
2.05%2.55%3.05%Oct 14, 2026: 2.55% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
3 Month Regular, IRA & Business Certificates
$0
2.45% ▼ 0.05% below Texas avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.05% below avgNationally 2.12%
Details

Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 3 times
1.95%2.45%2.95%Oct 14, 2026: 2.45% APYOct 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
3 Month CD
$500
2.00% ▼ 0.50% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 28, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
3 Month IRA Certificate
$500
1.76% ▼ 0.74% below Texas avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.74% below avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 8 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
3 Month Short-Term Certificate
$0
1.55% ▼ 0.95% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.95% below avgNationally 2.12%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 28, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
3 Month Regular Certificate
$500
1.51% ▼ 0.99% below Texas avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.99% below avgNationally 2.12%
Details

Early withdrawal penalty may apply; rates as of October 26, 2026

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
3 Month Short-Term Certificate
$0
1.50% ▼ 1.00% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.12%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
3 Month Standard CD
$1,000
1.50% ▼ 1.00% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.12%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 1.50% ▼ 1.35 pts · high 2.85% / low 1.50%
0.15%2.18%4.20%Sep 18, 2026: 2.85% APYSep 27, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20261.50%▼ from 2.85%
  • Sep 18, 20262.85%first recorded
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
Certificates of Deposit - 3 Months
$1,000
1.50% ▼ 1.00% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.12%
Details

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2525 Mckinnon St, Dallas, TX 75201
90 Day CD's
$1,000
1.36% ▼ 1.14% below Texas avg
View
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.14% below avgNationally 2.12%
Details

Current as of 5/11/2023

Rate History
No change since Oct 22, 2026 · 1.36% APY · checked 2 times
0.86%1.36%1.86%Oct 22, 2026: 1.36% APYOct 22, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
3 Month Term Share Certificate
$0
1.00% ▼ 1.50% below Texas avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.50% below avgNationally 2.12%
Details

Balance: $1,000; Compounded daily, paid monthly

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
3 Month Fixed Rate Certificates of Deposit
$1,000
0.10% ▼ 2.40% below Texas avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.40% below avgNationally 2.12%
Details

Tier: $90,000+; Renewal Term: 3 Months

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1445 Ross Ave, Dallas, TX 75202
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.12%
Details

California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
90 Day Standard CD Products
$1,000
0.06% ▼ 2.44% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.12%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Oct 14, 2026: 0.06% APYOct 14, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1445 Ross Ave, Dallas, TX 75202
3 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 28, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
15150 Preston Rd, Dallas, TX 75248
3 Month Personal Certificate of Deposit
$0
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 28, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
90 Day Regular CD Account
$0
0.05% ▼ 2.45% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
3 Month Fixed Rate Certificates of Deposit
$1,000
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

Tier: $1,000+; Renewal Term: 3 Months

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 28, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
The Local Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
8787 N Stemmons Fwy Ste 185, Dallas, TX 75247 3721
Share Certificate - 3 Month
$500
0.05% ▼ 2.45% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

Dividends compounded and paid quarterly; early withdrawal of dividends subject to penalty; APY accurate as of September 30, 2026

Rate History
No change since Oct 13, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 13, 2026: 0.05% APYOct 13, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
3 Month Standard CD
$1,000
0.05% ▼ 2.45% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 2.47% below Texas avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.47% below avgNationally 2.12%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 2.48% below Texas avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.48% below avgNationally 2.12%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 2.49% below Texas avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.49% below avgNationally 2.12%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 28, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Certificate
$2,500
4.50% ▲ 2.00% above Texas avg
View
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 2.00% above avgNationally 2.12%
Details

Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History
1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%
0.20%3.43%6.65%Oct 13, 2026: 2.35% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 28, 2026
  • Oct 23, 20264.50%▲ from 2.35%
  • Oct 13, 20262.35%first recorded

Dallas 6 Month CD Rates

Texas 6 Month CD Average3.24% APYNational 2.79%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
9101 Lbj Freeway Suite 300 20 and 21, Dallas, TX 75243
6 Month Certificate of Deposit
$0
4.30% ▲ 1.06% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Texas Average3.24%▲ 1.06% above avgNationally 2.79%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 27, 2026: 4.04% APYOct 3, 2026: 4.30% APYSep 27, 2026Oct 28, 2026
  • Oct 3, 20264.30%▲ from 4.04%
  • Sep 27, 20264.04%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificate - 6 Months
$500
4.24% ▲ 1.00% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.00% above avgNationally 2.79%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 15, 2026: 4.24% APYOct 15, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
6 month Promotional Online CD
$25,000
4.15% ▲ 0.91% above Texas avg
View
▼
Rate4.11%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.91% above avgNationally 2.79%
Details

Promotional Online CDs; $25,000 minimum to open; funds must be new money; deposits cannot be made from an existing NexBank CD account; CDs with opening balances of $25,000 to $240,000

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
6-Month HYRC Certificate
$0
4.10% ▲ 0.86% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Certificate Of Deposit (CD) - 180 Day
$1,000
4.00% ▲ 0.76% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 0.76% above avgNationally 2.79%
Details

Notes: $1,000 minimum deposit to open. Interest rates are variable and determined daily by One World Bank's discretion. CD product rates are fixed upon opening the account. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 28, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Account 180 Day (6 Months)
$1,000
4.00% ▲ 0.76% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 0.76% above avgNationally 2.79%
Details

CD product rates are fixed upon opening the account; a penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 28, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
6 Month Regular CD
$1,000
4.00% ▲ 0.76% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.76% above avgNationally 2.79%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Oct 13, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 13, 2026: 3.75% APYOct 22, 2026: 4.00% APYOct 13, 2026Oct 28, 2026
  • Oct 22, 20264.00%▲ from 3.75%
  • Oct 13, 20263.75%first recorded
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
Regular CD - 6 Month
$1,000
4.00% ▲ 0.76% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.76% above avgNationally 2.79%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 6 Months
$2,500
4.00% ▲ 0.76% above Texas avg
View
▼
Rate3.92%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.76% above avgNationally 2.79%
Details

Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 18, 2026: 3.50% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 28, 2026
  • Oct 10, 20264.00%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
6 Month Jumbo or IRA CD
$25,000
3.92% ▲ 0.68% above Texas avg
View
▼
Rate3.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.68% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
3.16%3.79%4.42%Sep 14, 2026: 3.66% APYOct 13, 2026: 3.92% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20263.92%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
Certificates of Deposit (CD) - 6-Month
$0
3.90% ▲ 0.66% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 0.66% above avgNationally 2.79%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 6-month CD
$1,000
3.90% ▲ 0.66% above Texas avg
View
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.66% above avgNationally 2.79%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 6 Months
$1,000
3.90% ▲ 0.66% above Texas avg
View
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.66% above avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
Standard CD - 6 month
$10,000
3.85% ▲ 0.61% above Texas avg
View
▼
Rate3.81%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.61% above avgNationally 2.79%
Details

NexBank Standard CDs: $10,000 minimum to open; effective 10/13/2026

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 28, 2026
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5610 Lemmon Ave, Dallas, TX 75209
6-Month CD
$1,000
3.85% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.61% above avgNationally 2.79%
Details

Promotional rate; Advertised rate fixed for initial term; APY accurate as of October 26, 2026; Available only for accounts opened in a BankUnited branch; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 26, 2026: 3.85% APYSep 14, 2026Oct 28, 2026
  • Oct 26, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
6-Month Certificate
$0
3.85% ▲ 0.61% above Texas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.61% above avgNationally 2.79%
Details

$1,000 minimum

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 28, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 6 Month
$0
3.85% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.61% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
6 Month Regular or IRA CD
$500
3.82% ▲ 0.58% above Texas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.58% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 13, 2026: 3.82% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
180 Day Star Certificate of Deposit
$1,000
3.80% ▲ 0.56% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.56% above avgNationally 2.79%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

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 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Star Certificates of Deposit - 180 Days
$1,000
3.80% ▲ 0.56% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.56% above avgNationally 2.79%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
6 Month Term Share Certificate
$0
3.75% ▲ 0.51% above Texas avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.51% above avgNationally 2.79%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
6-Month Term CD
$1,000
3.75% ▲ 0.51% above Texas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.51% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
Term CD - 6-Month
$1,000
3.75% ▲ 0.51% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.51% above avgNationally 2.79%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
5950 Berkshire Ln, Dallas, TX 75225
6-month CD
$50,000
3.65% ▲ 0.41% above Texas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.41% above avgNationally 2.79%
Details

Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
180 Day Frost Certificate of Deposit Account
$0
3.60% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
Frost Business Certificate of Deposit - 180 Day
$1,000
3.60% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 28, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Certificate - 6 Months (regular CD only)
$1,000
3.60% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details

Regular CD only; Minimum balance to open and earn for Regular and IRA Certificates is $1,000; early withdrawal penalty may apply

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
8201 Preston Rd, Dallas, TX 75225
6-Month CD
$1,000
3.40% ▲ 0.16% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.16% above avgNationally 2.79%
Details

Early withdrawal penalty applies; many interest payment options available

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 28, 2026
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
6 Month Share Certificate
$0
3.35% ▲ 0.11% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.11% above avgNationally 2.79%
Details

APY $100,000+ balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 28, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
6 Month Certificate
$1,000
3.35% ▲ 0.11% above Texas avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.11% above avgNationally 2.79%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 22, 2026: 3.25% APYOct 1, 2026: 3.35% APYSep 22, 2026Oct 28, 2026
  • Oct 1, 20263.35%▲ from 3.25%
  • Sep 22, 20263.25%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
6 Month 360 CD
$0
3.30% ▲ 0.06% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.06% above avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 20, 2026: 3.30% APYOct 20, 2026Oct 28, 2026
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
6 Month Share Certificate
$0
3.25% ▲ 0.01% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.01% above avgNationally 2.79%
Details

APY $1,000+ balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 28, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
Certificates - 6 Months
$0
3.25% ▲ 0.01% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.01% above avgNationally 2.79%
Details

Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 90 day's dividends

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 28, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
High-Yield CD - 6 Months
$0
3.25% ▲ 0.01% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.01% above avgNationally 2.79%
Details

Balance: $500 - $100,000+; Oklahoma City area

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 28, 2026
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
6 Month Certificate of Deposit
$1,000
3.25% ▲ 0.01% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.01% above avgNationally 2.79%
Details

Minimum Opening Deposit: $1000.00 Minimum Deposit

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 28, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
CD - 6 Month
$0
3.20% ▼ 0.04% below Texas avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.04% below avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 20, 2026: 3.20% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
180 Day Frost Certificate of Deposit Account
$0
3.20% ▼ 0.04% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.04% below avgNationally 2.79%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 20, 2026: 3.20% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
Frost Business Certificate of Deposit - 180 Day
$1,000
3.20% ▼ 0.04% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.04% below avgNationally 2.79%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 14, 2026: 3.20% APYOct 14, 2026Oct 28, 2026
Community National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
17855 Dallas Pkwy, Dallas, TX 75287
180 Day Certificate of Deposit
$0
3.17% ▼ 0.07% below Texas avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▼ 0.07% below avgNationally 2.79%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 26, 2026 · 3.17% APY · checked 2 times
2.67%3.17%3.67%Oct 26, 2026: 3.17% APYOct 26, 2026Oct 28, 2026
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3206 Live Oak St, Dallas, TX 75204
6 Month Certificate of Deposit
$1,000
3.15% ▼ 0.09% below Texas avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.09% below avgNationally 2.79%
Details

Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.

Rate History
No change since Oct 22, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 22, 2026: 3.15% APYOct 22, 2026Oct 28, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
Regular CD - 6 months
$1,000
3.10% ▼ 0.14% below Texas avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.14% below avgNationally 2.79%
Details

CD Dividends are compounded daily and paid monthly.

Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 28, 2026
The Local Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
8787 N Stemmons Fwy Ste 185, Dallas, TX 75247 3721
Share Certificate - 6 Month
$500
3.00% ▼ 0.24% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▼ 0.24% below avgNationally 2.79%
Details

Dividends compounded and paid quarterly; early withdrawal of dividends subject to penalty; APY accurate as of September 30, 2026

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
6 Month Regular, IRA & Business Jumbo Certificates
$0
2.89% ▼ 0.35% below Texas avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.35% below avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 2.89% APY · checked 3 times
2.39%2.89%3.39%Oct 14, 2026: 2.89% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
6 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.78% ▼ 0.46% below Texas avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.46% below avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 3 times
2.28%2.78%3.28%Oct 14, 2026: 2.78% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
6 Month Regular, IRA & Business Certificates
$0
2.68% ▼ 0.56% below Texas avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.56% below avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
2.18%2.68%3.18%Oct 14, 2026: 2.68% APYOct 14, 2026Oct 28, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
6 Month IRA Certificate
$500
2.53% ▼ 0.71% below Texas avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.71% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 28, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
6 Month Regular Certificate
$500
2.27% ▼ 0.97% below Texas avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.97% below avgNationally 2.79%
Details

Early withdrawal penalty may apply; rates as of October 26, 2026

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
6 Month CD
$500
2.25% ▼ 0.99% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.99% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
IRA 6 Month Certificate
$500
2.25% ▼ 0.99% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.99% below avgNationally 2.79%
Details

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 28, 2026
City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2525 Mckinnon St, Dallas, TX 75201
180 Day CD's
$1,000
1.51% ▼ 1.73% below Texas avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.73% below avgNationally 2.79%
Details

Current as of 5/11/2023

Rate History
No change since Oct 22, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 22, 2026: 1.51% APYOct 22, 2026Oct 28, 2026

Dallas 12 Month CD Rates

Texas 12 Month CD Average3.39% APYNational 3.00%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD - Branch
$1,000
4.65% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details

Branch $1,000 Minimum Deposit

Rate History
No change since Oct 27, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 27, 2026: 4.65% APYOct 27, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD - Digital Online
$25,000
4.65% ▲ 1.26% above Texas avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details

Digital Online $25,000 Minimum Deposit; Online Only

Rate History
No change since Oct 27, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 27, 2026: 4.65% APYOct 27, 2026Oct 28, 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% ▲ 1.21% above Texas avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.21% above avgNationally 3.00%
Details

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 28, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificate - 12 Months
$500
4.39% ▲ 1.00% above Texas avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.00% above avgNationally 3.00%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
12 month Promotional Online CD
$25,000
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.28%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Promotional Online CDs; $25,000 minimum to open; funds must be new money; deposits cannot be made from an existing NexBank CD account; CDs with opening balances of $25,000 to $240,000

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 12-month CD
$1,000
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 12 Months
$1,000
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 12 Month
$0
4.30% ▲ 0.91% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.91% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
12 Month Star Certificate of Deposit
$1,000
4.20% ▲ 0.81% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.81% above avgNationally 3.00%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Star Certificates of Deposit - 12 Months
$1,000
4.20% ▲ 0.81% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.81% above avgNationally 3.00%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
12 Month Short-Term Certificate
$0
4.10% ▲ 0.71% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 28, 2026
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5610 Lemmon Ave, Dallas, TX 75209
12-Month CD
$1,000
4.10% ▲ 0.71% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

Promotional rate; Advertised rate fixed for initial term; APY accurate as of October 26, 2026; Available only for accounts opened in a BankUnited branch; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 14, 2026: 3.95% APYOct 26, 2026: 4.10% APYSep 14, 2026Oct 28, 2026
  • Oct 26, 20264.10%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA Certificates - 12 months
$2,500
4.10% ▲ 0.71% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Standard CD - 12 Months
$2,500
4.10% ▲ 0.71% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 28, 2026
  • Oct 10, 20264.10%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Traditional & Roth IRA Certificates - 12 Months
$2,500
4.10% ▲ 0.71% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

IRA certificate; interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
12-Month HYRC Certificate
$0
4.10% ▲ 0.71% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
12 Month Term Share Certificate
$0
4.10% ▲ 0.71% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
12 Month Short-Term Certificate
$0
4.05% ▲ 0.66% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.66% above avgNationally 3.00%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
1-year online CDs
$0
4.00% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
12 Month 360 CD
$0
4.00% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
EasyStart Certificate - 12 Months
$50
4.00% ▲ 0.61% above Texas avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Share, IRA, ESA certificate; penalties apply for early withdrawals; dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 28, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
9101 Lbj Freeway Suite 300 20 and 21, Dallas, TX 75243
12 Month Certificate of Deposit
$0
4.00% ▲ 0.61% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 27, 2026: 3.00% APYOct 3, 2026: 4.00% APYSep 27, 2026Oct 28, 2026
  • Oct 3, 20264.00%▲ from 3.00%
  • Sep 27, 20263.00%first recorded
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
12 Month Regular CD
$1,000
4.00% ▲ 0.61% above Texas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Oct 13, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 13, 2026: 3.75% APYOct 22, 2026: 4.00% APYOct 13, 2026Oct 28, 2026
  • Oct 22, 20264.00%▲ from 3.75%
  • Oct 13, 20263.75%first recorded
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
Regular CD - 12 Month
$1,000
4.00% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
12 Month FlexPlus
$500
4.00% ▲ 0.61% above Texas avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Special CD; Fixed interest rate; additional $25 minimum deposits allowed; interest penalty for early withdrawal; online certificate, must be opened online; 18 years of age or older

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.70% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 28, 2026
  • Sep 27, 20264.00%▲ from 3.70%
  • Sep 22, 20263.70%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
12 Month Term Share Certificate
$0
4.00% ▲ 0.61% above Texas avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
1-Year Term CD
$1,000
4.00% ▲ 0.61% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
Term CD - 1-Year
$1,000
4.00% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
12 Month Jumbo or IRA CD
$25,000
3.97% ▲ 0.58% above Texas avg
View
▼
Rate3.90%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.58% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.97% ▲ 0.26 pts · high 3.97% / low 3.71%
3.21%3.84%4.47%Sep 14, 2026: 3.71% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20263.97%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
Standard CD - 12 month
$10,000
3.95% ▲ 0.56% above Texas avg
View
▼
Rate3.89%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.56% above avgNationally 3.00%
Details

NexBank Standard CDs: $10,000 minimum to open; effective 10/13/2026

Rate History
No change since Oct 20, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 20, 2026: 3.95% APYOct 20, 2026Oct 28, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Account 365 Day (1 Year)
$1,000
3.90% ▲ 0.51% above Texas avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 0.51% above avgNationally 3.00%
Details

CD product rates are fixed upon opening the account; a penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
Youth/Young Adult 12-Month Certificate
$0
3.90% ▲ 0.51% above Texas avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.51% above avgNationally 3.00%
Details

Balance: $250 minimum to earn dividends; Special Offers section

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 18, 2026: 3.80% APYSep 27, 2026: 3.90% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20263.90%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
12 Month Regular or IRA CD
$500
3.87% ▲ 0.48% above Texas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.48% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.87% ▲ 0.26 pts · high 3.87% / low 3.61%
3.11%3.74%4.37%Sep 14, 2026: 3.61% APYOct 13, 2026: 3.87% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20263.87%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
Certificates of Deposit (CD) - 12-Month
$0
3.85% ▲ 0.46% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 0.46% above avgNationally 3.00%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

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 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
12-Month Certificate
$0
3.85% ▲ 0.46% above Texas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.46% above avgNationally 3.00%
Details

$1,000 minimum

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 28, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
Certificates - 12 Months
$0
3.75% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.36% above avgNationally 3.00%
Details

Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 180 days' dividends

Rate History
1 change since Sep 25, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30%
2.80%3.53%4.25%Sep 25, 2026: 3.30% APYOct 4, 2026: 3.75% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20263.75%▲ from 3.30%
  • Sep 25, 20263.30%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
High-Yield CD - 12 Months
$0
3.75% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.36% above avgNationally 3.00%
Details

Balance: $500 - $100,000+; Oklahoma City area

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 28, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
No Penalty CD - 12 Month
$25,000
3.70% ▲ 0.31% above Texas avg
View
▼
Rate3.64%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.31% above avgNationally 3.00%
Details

Balance: $25,000 and over; No penalty for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 22, 2026: 3.70% APYOct 22, 2026Oct 28, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
12 Month Certificate
$1,000
3.60% ▲ 0.21% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.21% above avgNationally 3.00%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 22, 2026: 3.55% APYOct 1, 2026: 3.60% APYSep 22, 2026Oct 28, 2026
  • Oct 1, 20263.60%▲ from 3.55%
  • Sep 22, 20263.55%first recorded
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Certificate - 12 Months
$1,000
3.60% ▲ 0.21% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.21% above avgNationally 3.00%
Details

Minimum balance to open and earn for Regular and IRA Certificates is $1,000; early withdrawal penalty may apply

Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 28, 2026
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
7508 Ferguson Rd, Dallas, TX 75228
12 Month CD
$500
3.55% ▲ 0.16% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.16% above avgNationally 3.00%
Details

Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.55% ▲ 0.55 pts · high 3.55% / low 3.00%
2.45%3.28%4.10%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.50% APYSep 22, 2026: 3.55% APYSep 14, 2026Oct 28, 2026
  • Sep 22, 20263.55%▲ from 3.50%
  • Sep 18, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
7508 Ferguson Rd, Dallas, TX 75228
12 Month Youth CD
$100
3.55% ▲ 0.16% above Texas avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.16% above avgNationally 3.00%
Details

Term: 12 months - 60 months; Published APY range: 3.55%-3.96%. Youth CDs from 12 months - 60 months; Minimum Balance to Open $100.00

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 28, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
CD - 12 Month
$0
3.51% ▲ 0.12% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.12% above avgNationally 3.00%
Details

Rate History
No change since Oct 20, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 20, 2026: 3.51% APYOct 20, 2026Oct 28, 2026
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
1 Year CD
$1,000
3.50% ▲ 0.11% above Texas avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 0.11% above avgNationally 3.00%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 28, 2026
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
12 Month Certificate of Deposit
$1,000
3.50% ▲ 0.11% above Texas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.11% above avgNationally 3.00%
Details

Minimum Opening Deposit: $1000.00 Minimum Deposit

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Texans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2241 Irving Blvd, Dallas, TX 75207 6201
12 Month Certificate
$500
3.50% ▲ 0.11% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.11% above avgNationally 3.00%
Details

APY as high as 3.50%

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
12 Month Frost Certificate of Deposit Account
$0
3.35% ▼ 0.04% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.04% below avgNationally 3.00%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 20, 2026: 3.35% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
Frost Business Certificate of Deposit - 12 Month
$1,000
3.35% ▼ 0.04% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.04% below avgNationally 3.00%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 28, 2026
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
14555 Dallas Pkwy Ste 145, Dallas, TX 75254 4362
12 Month Share Certificate
$0
3.35% ▼ 0.04% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▼ 0.04% below avgNationally 3.00%
Details

APY $100,000+ balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 28, 2026

Dallas 18 Month CD Rates

Texas 18 Month CD Average3.28% APYNational 2.90%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 18 Month
$0
4.35% ▲ 1.07% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
18 Month Star Certificate of Deposit
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Star Certificates of Deposit - 18 Months
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
18 Month Short-Term Certificate
$0
4.15% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
18 Month Short-Term Certificate
$0
4.10% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA Certificates - 18 months
$2,500
4.10% ▲ 0.82% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 28, 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% ▲ 0.82% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal

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 28, 2026
  • Oct 10, 20264.10%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Traditional & Roth IRA Certificates - 18 Months
$2,500
4.10% ▲ 0.82% above Texas avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

IRA certificate; interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
18 Month Term Share Certificate
$0
4.10% ▲ 0.82% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
500 N Akard St, Dallas, TX 75201
18-Month CD Special
$0
4.00% ▲ 0.72% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

CD Rate Special; promotional 18-month CD rate; Open Your CD

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
18 Month Term Share Certificate
$0
4.00% ▲ 0.72% above Texas avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 18-month CD
$1,000
4.00% ▲ 0.72% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 18 Months
$1,000
4.00% ▲ 0.72% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
18 Month Regular CD
$1,000
3.90% ▲ 0.62% above Texas avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.62% above avgNationally 2.90%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Oct 13, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Oct 13, 2026: 3.70% APYOct 22, 2026: 3.90% APYOct 13, 2026Oct 28, 2026
  • Oct 22, 20263.90%▲ from 3.70%
  • Oct 13, 20263.70%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
18-Month Certificate
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

$1,000 minimum

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 18, 2026: 3.70% APYSep 27, 2026: 3.80% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
18 Month Certificate of Deposit
$1,000
3.75% ▲ 0.47% above Texas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.90%
Details

Minimum Opening Deposit: $1000.00 Minimum Deposit

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
EasyStart Certificate - 18 Months
$50
3.70% ▲ 0.42% above Texas avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.42% above avgNationally 2.90%
Details

Share, IRA, ESA certificate; penalties apply for early withdrawals; dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
Certificates of Deposit (CD) - 18-Month
$0
3.70% ▲ 0.42% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.42% above avgNationally 2.90%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
18 Month 360 CD
$0
3.60% ▲ 0.32% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.32% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
Standard CD - 18 month
$10,000
3.60% ▲ 0.32% above Texas avg
View
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.32% above avgNationally 2.90%
Details

NexBank Standard CDs: $10,000 minimum to open; effective 10/13/2026

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 28, 2026
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
18 Month CD
$1,000
3.60% ▲ 0.32% above Texas avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.32% above avgNationally 2.90%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 4, 2026: 3.60% APYOct 4, 2026Oct 28, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Certificate Of Deposit (CD) - 18 Mos. CD (includes IRA)
$1,000
3.50% ▲ 0.22% above Texas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.22% above avgNationally 2.90%
Details

Includes IRA. Notes: $1,000 minimum deposit to open. Interest rates are variable and determined daily by One World Bank's discretion. CD product rates are fixed upon opening the account. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Account 18 Months (1.5 Years)
$1,000
3.50% ▲ 0.22% above Texas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.22% above avgNationally 2.90%
Details

CD product rates are fixed upon opening the account; a penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
18 Month Regular, IRA & Business Jumbo Certificates
$0
3.49% ▲ 0.21% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.21% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.49% APY · checked 3 times
2.99%3.49%3.99%Oct 14, 2026: 3.49% APYOct 14, 2026Oct 28, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
CD - 18 Month
$0
3.46% ▲ 0.18% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.18% above avgNationally 2.90%
Details

Rate History
No change since Oct 20, 2026 · 3.46% APY · checked 2 times
2.96%3.46%3.96%Oct 20, 2026: 3.46% APYOct 20, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
18 Month Regular, IRA & Business Junior Jumbo Certificates
$0
3.39% ▲ 0.11% above Texas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.11% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.39% APY · checked 3 times
2.89%3.39%3.89%Oct 14, 2026: 3.39% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
18 Month Regular, IRA & Business Certificates
$0
3.29% ▲ 0.01% above Texas avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.01% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Oct 14, 2026: 3.29% APYOct 14, 2026Oct 28, 2026
City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2525 Mckinnon St, Dallas, TX 75201
18 Month CD's
$1,000
2.82% ▼ 0.46% below Texas avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.46% below avgNationally 2.90%
Details

Current as of 5/11/2023

Rate History
No change since Oct 22, 2026 · 2.82% APY · checked 2 times
2.32%2.82%3.32%Oct 22, 2026: 2.82% APYOct 22, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
18-Month Term CD
$1,000
2.75% ▼ 0.53% below Texas avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.53% below avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
Term CD - 18-Month
$1,000
2.75% ▼ 0.53% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.53% below avgNationally 2.90%
Details

Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
Community National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
17855 Dallas Pkwy, Dallas, TX 75287
18 Month Certificate of Deposit
$0
2.65% ▼ 0.63% below Texas avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▼ 0.63% below avgNationally 2.90%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 26, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 26, 2026: 2.65% APYOct 26, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
18 Month Standard CD Products
$1,000
1.50% ▼ 1.78% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
IRA CD - 18 Months
$1,000
1.50% ▼ 1.78% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details

CD rates are fixed for the term of the CD.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
18 Month Jumbo CD
$90,000
1.50% ▼ 1.78% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
18 Month Standard CD
$1,000
1.50% ▼ 1.78% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
Certificates of Deposit - 18 Months
$1,000
1.50% ▼ 1.78% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
IRA Fixed Rate 18 Months
$1,000
1.50% ▼ 1.78% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details

Individual Retirement Accounts / SEPPs; Fixed Rate; early withdrawal penalties may apply

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
IRA Variable - 18 Months
$100
1.50% ▼ 1.78% below Texas avg
View
▼
Rate1.49%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details

Individual Retirement Accounts / SEPPs; Variable rate; rate may change after account is opened

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo Certificate of Deposit - 18 Months
$90,000
1.50% ▼ 1.78% below Texas avg
View
▼
Rate1.49%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details

Jumbo Certificates of Deposit; Interest compounded quarterly

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
Jumbo IRA / SEPP - 18 Months
$90,000
1.50% ▼ 1.78% below Texas avg
View
▼
Rate1.49%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CDs - 18 Month Variable IRA
$0
0.90% ▼ 2.38% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 2.38% below avgNationally 2.90%
Details

Frost IRA CD comparison table; Variable IRA; Frost APY effective as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 14, 2026: 0.90% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.53% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 2.53% below avgNationally 2.90%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
18 Month Standard CD
$1,000
0.75% ▼ 2.53% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 2.53% below avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
15150 Preston Rd, Dallas, TX 75248
18 Month Personal Certificate of Deposit
$0
0.05% ▼ 3.23% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.23% below avgNationally 2.90%
Details

Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 18 Months
$1,000
0.03% ▼ 3.25% below Texas avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.25% below avgNationally 2.90%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
IRA CD 18 Months
$250
0.03% ▼ 3.25% below Texas avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.25% below avgNationally 2.90%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 18 Months
$1,000
0.02% ▼ 3.26% below Texas avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.26% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
IRA CD 18 Months
$250
0.02% ▼ 3.26% below Texas avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.26% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 28, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
18 Month Certificate of Deposit
$500
0.02% ▼ 3.26% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.26% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 8 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 18 Months
$1,000
0.01% ▼ 3.27% below Texas avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.27% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 28, 2026

Dallas 24 Month CD Rates

Texas 24 Month CD Average3.22% APYNational 2.90%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
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 23, 2026
Texas Average3.22%▲ 1.59% above avgNationally 2.90%
Details

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 28, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificate - 24 Months
$500
4.55% ▲ 1.33% above Texas avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.33% above avgNationally 2.90%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 15, 2026: 4.55% APYOct 15, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Bask 24-month CD
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 8 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 24 Months
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 28, 2026
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8303 Douglas Ave, Dallas, TX 75225
24 Month Certificate of Deposit
$0
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Guaranteed rate of return on a Certificate of Deposit; rate shown as 4.25% (APY/APR label not stated on page)

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
24 Month Term Share Certificate
$0
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
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 26, 2026
Texas Average3.22%▲ 0.96% above avgNationally 2.90%
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 13, 2026: 4.18% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
24 Month Term Share Certificate
$0
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.90%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
24 Month Regular or IRA CD
$500
4.07% ▲ 0.85% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
3.26%3.92%4.57%Sep 14, 2026: 3.76% APYOct 13, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.07%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
24-Month HYRC Certificate
$0
3.90% ▲ 0.68% above Texas avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.90%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
2 Year Regular, IRA & Business Jumbo Certificates
$0
3.89% ▲ 0.67% above Texas avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.89% APY · checked 3 times
3.39%3.89%4.39%Oct 14, 2026: 3.89% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
2 Year Regular, IRA & Business Junior Jumbo Certificates
$0
3.78% ▲ 0.56% above Texas avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.78% APY · checked 3 times
3.28%3.78%4.28%Oct 14, 2026: 3.78% APYOct 14, 2026Oct 28, 2026
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
2 Year CD
$1,000
3.75% ▲ 0.53% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.90%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
24 Month Short-Term Certificate
$0
3.70% ▲ 0.48% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 28, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
24 Month Regular CD
$1,000
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Oct 13, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Oct 13, 2026: 3.60% APYOct 22, 2026: 3.70% APYOct 13, 2026Oct 28, 2026
  • Oct 22, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%first recorded
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
Regular CD - 24 Month
$1,000
3.70% ▲ 0.48% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 22, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 22, 2026: 3.70% APYOct 22, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
2 Year Regular, IRA & Business Certificates
$0
3.68% ▲ 0.46% above Texas avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.46% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.68% APY · checked 3 times
3.18%3.68%4.18%Oct 14, 2026: 3.68% APYOct 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
24 Month Short-Term Certificate
$0
3.66% ▲ 0.44% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.44% above avgNationally 2.90%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 20, 2026: 3.66% APYOct 20, 2026Oct 28, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
24 Month IRA Certificate
$500
3.66% ▲ 0.44% above Texas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.44% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
24-Month Certificate
$0
3.65% ▲ 0.43% above Texas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.43% above avgNationally 2.90%
Details

$1,000 minimum

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
EasyStart Certificate - 24 Months
$50
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

Share, IRA, ESA certificate; penalties apply for early withdrawals; dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
24 Month Star Certificate of Deposit
$1,000
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
Star Certificates of Deposit - 24 Months
$1,000
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
Certificates of Deposit (CD) - 24-Month
$0
3.60% ▲ 0.38% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 28, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
24 Month Certificate
$1,000
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.90%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 22, 2026: 3.50% APYOct 1, 2026: 3.55% APYSep 22, 2026Oct 28, 2026
  • Oct 1, 20263.55%▲ from 3.50%
  • Sep 22, 20263.50%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
24 Month 360 CD
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.90%
Details

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 28, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Account 24 Months (2 Years)
$1,000
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.90%
Details

CD product rates are fixed upon opening the account; a penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 28, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
Certificates - 24 Months
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.90%
Details

Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 180 days' dividends

Rate History
1 change since Sep 25, 2026 · 3.10% → 3.50% ▲ 0.40 pts · high 3.50% / low 3.10%
2.60%3.30%4.00%Sep 25, 2026: 3.10% APYOct 4, 2026: 3.50% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20263.50%▲ from 3.10%
  • Sep 25, 20263.10%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
High-Yield CD - 24 Months
$0
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.90%
Details

Balance: $500 - $100,000+; Oklahoma City area

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 28, 2026
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
24 Month Certificate of Deposit
$1,000
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.90%
Details

Minimum Opening Deposit: $1000.00 Minimum Deposit

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Certificate - 24 Months
$1,000
3.50% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.90%
Details

Minimum balance to open and earn for Regular and IRA Certificates is $1,000; early withdrawal penalty may apply

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
IRA Certificate - 2 years
$1,000
3.45% ▲ 0.23% above Texas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 28, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
CD - 24 Month
$0
3.41% ▲ 0.19% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.19% above avgNationally 2.90%
Details

Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 20, 2026: 3.41% APYOct 20, 2026Oct 28, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
24 Month Regular Certificate
$500
3.40% ▲ 0.18% above Texas avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.18% above avgNationally 2.90%
Details

Early withdrawal penalty may apply; rates as of October 26, 2026

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
2 Year IRA Certificate
$1,000
3.30% ▲ 0.08% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.90%
Details

2 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
Regular CD - 24 months
$1,000
3.30% ▲ 0.08% above Texas avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.90%
Details

CD Dividends are compounded daily and paid monthly.

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
IRA CD - 2 Year
$0
3.25% ▲ 0.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.90%
Details

IRA Rates; Fixed rate APY effective October 22, 2026; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
24 Month CD - Branch
$1,000
3.20% ▼ 0.02% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▼ 0.02% below avgNationally 2.90%
Details

Branch $1,000 Minimum Deposit

Rate History
No change since Oct 27, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 27, 2026: 3.20% APYOct 27, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
24 Month Frost Certificate of Deposit Account
$0
3.10% ▼ 0.12% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 20, 2026: 3.10% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
Frost Business Certificate of Deposit - 24 Month
$1,000
3.10% ▼ 0.12% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 28, 2026
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
2911 Turtle Creek Blvd, Dallas, TX 75219
Individual Retirement Account - 2 Years
$100
3.03% ▼ 0.19% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.19% below avgNationally 2.90%
Details

Early withdrawal fee may apply

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 28, 2026
City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2525 Mckinnon St, Dallas, TX 75201
24 Month CD's
$1,000
2.92% ▼ 0.30% below Texas avg
View
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.30% below avgNationally 2.90%
Details

Current as of 5/11/2023

Rate History
No change since Oct 22, 2026 · 2.92% APY · checked 2 times
2.42%2.92%3.42%Oct 22, 2026: 2.92% APYOct 22, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
Standard CD - 24 month
$10,000
2.75% ▼ 0.47% below Texas avg
View
▼
Rate2.72%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.47% below avgNationally 2.90%
Details

NexBank Standard CDs: $10,000 minimum to open; effective 10/13/2026

Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
24 Month Frost Certificate of Deposit Account
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 20, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 20, 2026: 2.60% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
Frost Business Certificate of Deposit - 24 Month
$1,000
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 14, 2026: 2.60% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2950 N Harwood St Ste 100, Dallas, TX 75201
IRA CDs - 24 Month Fixed IRA
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details

Frost IRA CD comparison table; Frost APY effective as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 14, 2026: 2.60% APYOct 14, 2026Oct 28, 2026
Community National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
17855 Dallas Pkwy, Dallas, TX 75287
24 Month Certificate of Deposit
$0
2.40% ▼ 0.82% below Texas avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▼ 0.82% below avgNationally 2.90%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 26, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 26, 2026: 2.40% APYOct 26, 2026Oct 28, 2026
Community National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
17855 Dallas Pkwy, Dallas, TX 75287
24 Month IRA Certificate
$0
2.40% ▼ 0.82% below Texas avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▼ 0.82% below avgNationally 2.90%
Details

Balance: $100.00 - $99,999.99

Rate History
No change since Oct 26, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 26, 2026: 2.40% APYOct 26, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
2 Year CD
$500
2.25% ▼ 0.97% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.97% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 28, 2026

Dallas 36 Month CD Rates

Texas 36 Month CD Average3.12% APYNational 2.81%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13465 Midway Rd Ste 104, Dallas, TX 75244 5105
Share Certificate - 36 Months
$500
4.71% ▲ 1.59% above Texas avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.59% above avgNationally 2.81%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
4.21%4.71%5.21%Oct 15, 2026: 4.71% APYOct 15, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24% ▲ 1.12% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.24% APY · checked 3 times
3.74%4.24%4.74%Oct 14, 2026: 4.24% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
36 Month Jumbo or IRA CD
$25,000
4.23% ▲ 1.11% above Texas avg
View
▼
Rate4.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.11% 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 13, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.23%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
36 Month Term Share Certificate
$0
4.20% ▲ 1.08% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
3 Year Long-Term Certificate (Share, IRA, ESA)
$0
4.15% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.03% above avgNationally 2.81%
Details

Minimum balance tier: $100K Minimum APY

Rate History
No change since Oct 26, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 26, 2026: 4.15% APYOct 26, 2026Oct 28, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA Certificates - 36 months
$2,500
4.15% ▲ 1.03% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.03% above avgNationally 2.81%
Details

In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 28, 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% ▲ 1.03% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.03% above avgNationally 2.81%
Details

Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal

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 28, 2026
  • Oct 10, 20264.15%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Traditional & Roth IRA Certificates - 36 Months
$2,500
4.15% ▲ 1.03% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.03% above avgNationally 2.81%
Details

IRA certificate; interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
3 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.14% ▲ 1.02% above Texas avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.14% APY · checked 3 times
3.64%4.14%4.64%Oct 14, 2026: 4.14% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
36 Month Regular or IRA CD
$500
4.13% ▲ 1.01% above Texas avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.01% 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 13, 2026: 4.13% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.13%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
3 Year Long-Term Certificate (Share, IRA, ESA)
$0
4.10% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.98% above avgNationally 2.81%
Details

Minimum balance tier: $1K Minimum APY

Rate History
No change since Oct 26, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 26, 2026: 4.10% APYOct 26, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
36 Month Term Share Certificate
$0
4.10% ▲ 0.98% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.98% above avgNationally 2.81%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
3 Year Regular, IRA & Business Certificates
$0
4.03% ▲ 0.91% above Texas avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.91% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.03% APY · checked 3 times
3.53%4.03%4.53%Oct 14, 2026: 4.03% APYOct 14, 2026Oct 28, 2026
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
3 Year CD
$1,000
4.00% ▲ 0.88% above Texas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 0.88% above avgNationally 2.81%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 28, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
36 Month IRA Certificate
$500
3.92% ▲ 0.80% above Texas avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
36-Month HYRC Certificate
$0
3.75% ▲ 0.63% above Texas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.63% above avgNationally 2.81%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 28, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
36 Month Regular Certificate
$500
3.66% ▲ 0.54% above Texas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.54% above avgNationally 2.81%
Details

Early withdrawal penalty may apply; rates as of October 26, 2026

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 28, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
36 Month Regular CD
$1,000
3.60% ▲ 0.48% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.48% above avgNationally 2.81%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 28, 2026
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
7508 Ferguson Rd, Dallas, TX 75228
36 Month CD
$500
3.60% ▲ 0.48% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.48% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.60% ▲ 0.55 pts · high 3.60% / low 3.05%
2.50%3.33%4.15%Sep 14, 2026: 3.05% APYSep 18, 2026: 3.55% APYSep 22, 2026: 3.60% APYSep 14, 2026Oct 28, 2026
  • Sep 22, 20263.60%▲ from 3.55%
  • Sep 18, 20263.55%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
36 Month Certificate
$1,000
3.55% ▲ 0.43% above Texas avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.43% above avgNationally 2.81%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
2.95%3.50%4.05%Sep 22, 2026: 3.45% APYOct 1, 2026: 3.55% APYSep 22, 2026Oct 28, 2026
  • Oct 1, 20263.55%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
IRA Certificate - 3 years
$1,000
3.55% ▲ 0.43% above Texas avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
36 Month 360 CD
$0
3.50% ▲ 0.38% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 28, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Certificate - 36 Months
$1,000
3.50% ▲ 0.38% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.38% above avgNationally 2.81%
Details

Minimum balance to open and earn for Regular and IRA Certificates is $1,000; early withdrawal penalty may apply

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
36-Month Certificate
$0
3.50% ▲ 0.38% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.38% above avgNationally 2.81%
Details

$1,000 minimum

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 36 Month
$0
3.50% ▲ 0.38% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
CD - 36 Month
$0
3.41% ▲ 0.29% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.29% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 20, 2026: 3.41% APYOct 20, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
Certificates of Deposit (CD) - 36-Month
$0
3.40% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 0.28% above avgNationally 2.81%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
3 Year IRA Certificate
$1,000
3.30% ▲ 0.18% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.18% above avgNationally 2.81%
Details

3 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
IRA CD - 3 Year
$0
3.25% ▲ 0.13% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 0.13% above avgNationally 2.81%
Details

IRA Rates; Fixed rate APY effective October 22, 2026; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
Certificates - 36 Months
$0
3.25% ▲ 0.13% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.13% above avgNationally 2.81%
Details

Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 360 days' dividends

Rate History
1 change since Sep 25, 2026 · 3.10% → 3.25% ▲ 0.15 pts · high 3.25% / low 3.10%
2.60%3.18%3.75%Sep 25, 2026: 3.10% APYOct 4, 2026: 3.25% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20263.25%▲ from 3.10%
  • Sep 25, 20263.10%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
High-Yield CD - 36 Months
$0
3.25% ▲ 0.13% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.13% above avgNationally 2.81%
Details

Balance: $500 - $100,000+; Oklahoma City area

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
36 Month CD - Branch
$1,000
3.20% ▲ 0.08% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 0.08% above avgNationally 2.81%
Details

Branch $1,000 Minimum Deposit

Rate History
No change since Oct 27, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 27, 2026: 3.20% APYOct 27, 2026Oct 28, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Account 36 Months (3 Years)
$1,000
3.00% ▼ 0.12% below Texas avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▼ 0.12% below avgNationally 2.81%
Details

CD product rates are fixed upon opening the account; a penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
2911 Turtle Creek Blvd, Dallas, TX 75219
Individual Retirement Account - 3 Years
$100
2.98% ▼ 0.14% below Texas avg
View
▼
Rate2.95%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.14% below avgNationally 2.81%
Details

Early withdrawal fee may apply

Rate History
No change since Oct 14, 2026 · 2.98% APY · checked 3 times
2.48%2.98%3.48%Oct 14, 2026: 2.98% APYOct 14, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
Standard CD - 36 month
$10,000
2.65% ▼ 0.47% below Texas avg
View
▼
Rate2.62%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.47% below avgNationally 2.81%
Details

NexBank Standard CDs: $10,000 minimum to open; effective 10/13/2026

Rate History
No change since Oct 20, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 20, 2026: 2.65% APYOct 20, 2026Oct 28, 2026
City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2525 Mckinnon St, Dallas, TX 75201
36 Month CD's
$1,000
2.52% ▼ 0.60% below Texas avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.60% below avgNationally 2.81%
Details

Current as of 5/11/2023

Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 22, 2026: 2.52% APYOct 22, 2026Oct 28, 2026
Community National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
17855 Dallas Pkwy, Dallas, TX 75287
36 Month Certificate of Deposit
$0
2.15% ▼ 0.97% below Texas avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▼ 0.97% below avgNationally 2.81%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 26, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Oct 26, 2026: 2.15% APYOct 26, 2026Oct 28, 2026
Community National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
17855 Dallas Pkwy, Dallas, TX 75287
36 Month IRA Certificate
$0
2.15% ▼ 0.97% below Texas avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▼ 0.97% below avgNationally 2.81%
Details

Balance: $100.00 - $99,999.99

Rate History
No change since Oct 26, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Oct 26, 2026: 2.15% APYOct 26, 2026Oct 28, 2026
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
1441 N Beckley Ave, Dallas, TX 75203 1201
36 Month Share and IRA Certificate
$500
2.01% ▼ 1.11% below Texas avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 1.11% below avgNationally 2.81%
Details

Certificates of Deposit; Minimum Balance to Open and Earn APY - $500; Effective as of 03/01/2025

Rate History
No change since Sep 20, 2026 · 2.01% APY · checked 6 times
1.51%2.01%2.51%Sep 20, 2026: 2.01% APYSep 20, 2026Oct 28, 2026
The Local Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
8787 N Stemmons Fwy Ste 185, Dallas, TX 75247 3721
Share Certificate - 36 Month
$500
2.00% ▼ 1.12% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 1.12% below avgNationally 2.81%
Details

Dividends compounded and paid quarterly; early withdrawal of dividends subject to penalty; APY accurate as of September 30, 2026

Rate History
No change since Oct 13, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
3 Year Standard CD Products
$1,000
1.50% ▼ 1.62% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
IRA CD - 3 Years
$1,000
1.50% ▼ 1.62% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details

CD rates are fixed for the term of the CD.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
36 Month Jumbo CD
$90,000
1.50% ▼ 1.62% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
36 Month Standard CD
$1,000
1.50% ▼ 1.62% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
3 Year CD
$500
1.40% ▼ 1.72% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.72% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
IRA 3 Year Certificate
$500
1.40% ▼ 1.72% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.72% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 1.40% APY · checked 3 times
0.90%1.40%1.90%Sep 27, 2026: 1.40% APYSep 27, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
36 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.37% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.37% below avgNationally 2.81%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
36 Month Standard CD
$1,000
0.75% ▼ 2.37% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.37% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
3-Year Jumbo CD
$100,000
0.40% ▼ 2.72% below Texas avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.72% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
3-Year Term CD
$1,000
0.40% ▼ 2.72% below Texas avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.72% below avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 28, 2026

Dallas 48 Month CD Rates

Texas 48 Month CD Average3.03% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47% ▲ 1.44% above Texas avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.44% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 4.47% APY · checked 3 times
3.97%4.47%4.97%Oct 14, 2026: 4.47% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36% ▲ 1.33% above Texas avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.33% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 4.36% APY · checked 3 times
3.86%4.36%4.86%Oct 14, 2026: 4.36% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
48 Month Jumbo or IRA CD
$25,000
4.28% ▲ 1.25% above Texas avg
View
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.25% above avgNationally 2.80%
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 13, 2026: 4.28% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
4 Year Regular, IRA & Business Certificates
$0
4.26% ▲ 1.23% above Texas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 4.26% APY · checked 3 times
3.76%4.26%4.76%Oct 14, 2026: 4.26% APYOct 14, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
48 Month Term Share Certificate
$0
4.20% ▲ 1.17% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.17% above avgNationally 2.80%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
48 Month Regular or IRA CD
$500
4.18% ▲ 1.15% above Texas avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.15% above avgNationally 2.80%
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 13, 2026: 4.18% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA Certificates - 48 months
$2,500
4.15% ▲ 1.12% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 28, 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% ▲ 1.12% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal

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 28, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Traditional & Roth IRA Certificates - 48 Months
$2,500
4.15% ▲ 1.12% above Texas avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details

IRA certificate; interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
48 Month Term Share Certificate
$0
4.10% ▲ 1.07% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
4 Year CD
$1,000
4.00% ▲ 0.97% above Texas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 0.97% above avgNationally 2.80%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 28, 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% ▲ 0.94% above Texas avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.94% above avgNationally 2.80%
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 28, 2026
  • Oct 10, 20263.97%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
48 Month Regular Certificate
$500
3.71% ▲ 0.68% above Texas avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.68% above avgNationally 2.80%
Details

Early withdrawal penalty may apply; rates as of October 26, 2026

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.71% ▲ 0.41 pts · high 3.71% / low 3.30%
2.80%3.51%4.21%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.71% APYSep 14, 2026Oct 28, 2026
  • Oct 10, 20263.71%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
IRA Certificate - 4 years
$1,000
3.65% ▲ 0.62% above Texas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.62% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 28, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
48 Month Regular CD
$1,000
3.60% ▲ 0.57% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.57% above avgNationally 2.80%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
48 Month 360 CD
$0
3.50% ▲ 0.47% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.47% above avgNationally 2.80%
Details

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 28, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
48 Month Certificate
$1,000
3.50% ▲ 0.47% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.47% above avgNationally 2.80%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 22, 2026: 3.40% APYOct 1, 2026: 3.50% APYSep 22, 2026Oct 28, 2026
  • Oct 1, 20263.50%▲ from 3.40%
  • Sep 22, 20263.40%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
CD - 48 Month
$0
3.41% ▲ 0.38% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.38% above avgNationally 2.80%
Details

Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 20, 2026: 3.41% APYOct 20, 2026Oct 28, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Certificate - 48 Months
$1,000
3.40% ▲ 0.37% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.37% above avgNationally 2.80%
Details

Minimum balance to open and earn for Regular and IRA Certificates is $1,000; early withdrawal penalty may apply

Rate History
No change since Oct 19, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 19, 2026: 3.40% APYOct 19, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
Certificates of Deposit (CD) - 48-Month
$0
3.35% ▲ 0.32% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 0.32% above avgNationally 2.80%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
4 Year IRA Certificate
$1,000
3.30% ▲ 0.27% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.27% above avgNationally 2.80%
Details

4 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
IRA CD - 4 Year
$0
3.25% ▲ 0.22% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 0.22% above avgNationally 2.80%
Details

IRA Rates; Fixed rate APY effective October 22, 2026; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
Certificates - 48 Months
$0
3.25% ▲ 0.22% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.22% above avgNationally 2.80%
Details

Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 360 days' dividends

Rate History
1 change since Sep 25, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05%
2.55%3.15%3.75%Sep 25, 2026: 3.05% APYOct 4, 2026: 3.25% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20263.25%▲ from 3.05%
  • Sep 25, 20263.05%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 S Akard St, Dallas, TX 75202 5324
High-Yield CD - 48 Months
$0
3.25% ▲ 0.22% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.22% above avgNationally 2.80%
Details

Balance: $500 - $100,000+; Oklahoma City area

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 28, 2026
Oak Cliff Christian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1130 W Camp Wisdom Rd, Dallas, TX 75232 3404
48 Month Certificate of Deposit
$1,000
3.25% ▲ 0.22% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.22% above avgNationally 2.80%
Details

Minimum Opening Deposit: $1000.00 Minimum Deposit

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
48-Month Certificate
$0
3.25% ▲ 0.22% above Texas avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.22% above avgNationally 2.80%
Details

$1,000 minimum

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
48 Month CD - Branch
$1,000
3.20% ▲ 0.17% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 0.17% above avgNationally 2.80%
Details

Branch $1,000 Minimum Deposit

Rate History
No change since Oct 27, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 27, 2026: 3.20% APYOct 27, 2026Oct 28, 2026
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
2911 Turtle Creek Blvd, Dallas, TX 75219
Individual Retirement Account - 4 Years
$100
2.88% ▼ 0.15% below Texas avg
View
▼
Rate2.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.15% below avgNationally 2.80%
Details

Early withdrawal fee may apply

Rate History
No change since Oct 14, 2026 · 2.88% APY · checked 3 times
2.38%2.88%3.38%Oct 14, 2026: 2.88% APYOct 14, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 48 Month
$0
2.75% ▼ 0.28% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.28% below avgNationally 2.80%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
Standard CD - 48 month
$10,000
2.55% ▼ 0.48% below Texas avg
View
▼
Rate2.53%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.48% below avgNationally 2.80%
Details

NexBank Standard CDs: $10,000 minimum to open; effective 10/13/2026

Rate History
No change since Oct 20, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 20, 2026: 2.55% APYOct 20, 2026Oct 28, 2026
City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2525 Mckinnon St, Dallas, TX 75201
48 Month CD's
$1,000
2.52% ▼ 0.51% below Texas avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.51% below avgNationally 2.80%
Details

Current as of 5/11/2023

Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 22, 2026: 2.52% APYOct 22, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
4 Year Standard CD Products
$1,000
1.50% ▼ 1.53% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.53% below avgNationally 2.80%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
IRA CD - 4 Years
$1,000
1.50% ▼ 1.53% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.53% below avgNationally 2.80%
Details

CD rates are fixed for the term of the CD.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
4 Year CD
$500
1.15% ▼ 1.88% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.88% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
IRA 4 Year Certificate
$500
1.15% ▼ 1.88% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.88% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 1.15% APY · checked 3 times
0.65%1.15%1.65%Sep 27, 2026: 1.15% APYSep 27, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.28% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.28% below avgNationally 2.80%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
48 Month Standard CD
$1,000
0.75% ▼ 2.28% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.28% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
4-Year Jumbo CD
$100,000
0.50% ▼ 2.53% below Texas avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.53% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
4-Year Term CD
$1,000
0.50% ▼ 2.53% below Texas avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.53% below avgNationally 2.80%
Details

Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
Term CD - 4-Year
$1,000
0.50% ▼ 2.53% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.53% below avgNationally 2.80%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
4-Year RampUp CD
$50,000
0.25% ▼ 2.78% below Texas avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.78% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 28, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
4 Year Certificate of Deposit
$500
0.15% ▼ 2.88% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.88% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 28, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
48 Month Regular CD Account
$0
0.10% ▼ 2.93% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.93% below avgNationally 2.80%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 28, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
15150 Preston Rd, Dallas, TX 75248
48 Month Personal Certificate of Deposit
$0
0.05% ▼ 2.98% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.98% below avgNationally 2.80%
Details

Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 3.00% below Texas avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.00% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
IRA CD 48 Months
$250
0.03% ▼ 3.00% below Texas avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.00% below avgNationally 2.80%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 3.01% below Texas avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.01% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
IRA CD 48 Months
$250
0.02% ▼ 3.01% below Texas avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.01% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 3.02% below Texas avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.02% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
IRA CD 48 Months
$250
0.01% ▼ 3.02% below Texas avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.02% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 28, 2026

Dallas 60 Month CD Rates

Texas 60 Month CD Average3.07% APYNational 2.91%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87% ▲ 1.80% above Texas avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.80% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.87% APY · checked 3 times
4.37%4.87%5.37%Oct 14, 2026: 4.87% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76% ▲ 1.69% above Texas avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.69% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.76% APY · checked 3 times
4.26%4.76%5.26%Oct 14, 2026: 4.76% APYOct 14, 2026Oct 28, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
5 Year Regular, IRA & Business Certificates
$0
4.66% ▲ 1.59% above Texas avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.59% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.66% APY · checked 3 times
4.16%4.66%5.16%Oct 14, 2026: 4.66% APYOct 14, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
60 Month Term Share Certificate
$0
4.35% ▲ 1.28% above Texas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.28% above avgNationally 2.91%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
60 Month Jumbo or IRA CD
$25,000
4.33% ▲ 1.26% above Texas avg
View
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.26% above avgNationally 2.91%
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 13, 2026: 4.33% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.33%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
IRA & Roth IRA Certificates - 60 months
$2,500
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 28, 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% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal

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 28, 2026
  • Oct 10, 20264.25%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX 75240 2521
Traditional & Roth IRA Certificates - 60 Months
$2,500
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

IRA certificate; interest compounded daily; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1317 Empire Central Dr, Dallas, TX 75247 4021
60 Month Term Share Certificate
$0
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1100 Commerce St Ste 615, Dallas, TX 75242
60 Month Regular or IRA CD
$500
4.23% ▲ 1.16% above Texas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.16% above avgNationally 2.91%
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 13, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.23%▲ from 3.92%
  • Sep 14, 20263.92%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% ▲ 1.00% above Texas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.00% above avgNationally 2.91%
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 28, 2026
  • Oct 10, 20264.07%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
4161 Mckinney Ave, Dallas, TX 75204
5 Year CD
$1,000
4.00% ▲ 0.93% above Texas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▲ 0.93% above avgNationally 2.91%
Details

Interest compounded quarterly

Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 28, 2026
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
7508 Ferguson Rd, Dallas, TX 75228
60 Month CD
$500
3.96% ▲ 0.89% above Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.89% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 3.15% → 3.96% ▲ 0.81 pts · high 3.96% / low 3.15%
2.34%3.55%4.77%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.90% APYSep 22, 2026: 3.96% APYSep 14, 2026Oct 28, 2026
  • Sep 22, 20263.96%▲ from 3.90%
  • Sep 18, 20263.90%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
5 Year Long-Term Certificate (Share, IRA, ESA)
$0
3.90% ▲ 0.83% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.83% above avgNationally 2.91%
Details

Minimum balance tier: $100K Minimum APY

Rate History
No change since Oct 26, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 26, 2026: 3.90% APYOct 26, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6451 E Northwest Hwy Ste 120, Dallas, TX 75231
5 Year Long-Term Certificate (Share, IRA, ESA)
$0
3.85% ▲ 0.78% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.78% above avgNationally 2.91%
Details

Minimum balance tier: $1K Minimum APY

Rate History
No change since Oct 26, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 26, 2026: 3.85% APYOct 26, 2026Oct 28, 2026
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
1200 Belleview St, Dallas, TX 75215 1837
60 Month Regular Certificate
$500
3.82% ▲ 0.75% above Texas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.75% above avgNationally 2.91%
Details

Early withdrawal penalty may apply; rates as of October 26, 2026

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.82% ▲ 0.57 pts · high 3.82% / low 3.25%
2.68%3.54%4.39%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.82% APYSep 14, 2026Oct 28, 2026
  • Oct 10, 20263.82%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
8200 Brookriver Dr Ste N110, Dallas, TX 75247
IRA Certificate - 5 years
$1,000
3.70% ▲ 0.63% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.63% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
5-year online CDs
$0
3.60% ▲ 0.53% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.53% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14651 Dallas Pkwy, Dallas, TX 75254
60 Month 360 CD
$0
3.60% ▲ 0.53% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.53% above avgNationally 2.91%
Details

5-year online CD

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 28, 2026
Credit Union of Texas
Institution Rating:
A5.0 ★Texas Ratio: 13.32%
8131 Lyndon B Johnson Fwy Ste 107, Dallas, TX 75251 1311
60 Month Regular CD
$1,000
3.60% ▲ 0.53% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.53% above avgNationally 2.91%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 28, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
60 Month Certificate
$1,000
3.50% ▲ 0.43% above Texas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.43% above avgNationally 2.91%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 22, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 22, 2026: 3.40% APYOct 1, 2026: 3.50% APYSep 22, 2026Oct 28, 2026
  • Oct 1, 20263.50%▲ from 3.40%
  • Sep 22, 20263.40%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
60-Month HYRC Certificate
$0
3.50% ▲ 0.43% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.43% above avgNationally 2.91%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 28, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
CD - 60 Month
$0
3.41% ▲ 0.34% above Texas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.34% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 20, 2026: 3.41% APYOct 20, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
AAFES Headquarters, Dallas, TX 75236
5 Year IRA Certificate
$1,000
3.40% ▲ 0.33% above Texas avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.33% above avgNationally 2.91%
Details

5 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 28, 2026
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7474 Ferguson Rd, Dallas, TX 75228
Certificate - 60 Months
$1,000
3.40% ▲ 0.33% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.33% above avgNationally 2.91%
Details

Minimum balance to open and earn for Regular and IRA Certificates is $1,000; early withdrawal penalty may apply

Rate History
No change since Oct 19, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 19, 2026: 3.40% APYOct 19, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4020 Maple Ave, Dallas, TX 75219
Certificates of Deposit (CD) - 60-Month
$0
3.25% ▲ 0.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▲ 0.18% above avgNationally 2.91%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
IRA CD - 5 Year
$0
3.25% ▲ 0.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▲ 0.18% above avgNationally 2.91%
Details

IRA Rates; Fixed rate APY effective October 22, 2026; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6172 Sherry Ln, Dallas, TX 75225 6314
60-Month Certificate
$0
3.25% ▲ 0.18% above Texas avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.18% above avgNationally 2.91%
Details

$1,000 minimum

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 28, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
60 Month CD - Branch
$1,000
3.20% ▲ 0.13% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▲ 0.13% above avgNationally 2.91%
Details

Branch $1,000 Minimum Deposit

Rate History
No change since Oct 27, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 27, 2026: 3.20% APYOct 27, 2026Oct 28, 2026
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Account 60 Months (5 Years)
$1,000
3.00% ▼ 0.07% below Texas avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▼ 0.07% below avgNationally 2.91%
Details

CD product rates are fixed upon opening the account; a penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
2911 Turtle Creek Blvd, Dallas, TX 75219
Individual Retirement Account - 5 Years
$100
2.83% ▼ 0.24% below Texas avg
View
▼
Rate2.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.24% below avgNationally 2.91%
Details

Early withdrawal fee may apply

Rate History
No change since Oct 14, 2026 · 2.83% APY · checked 3 times
2.33%2.83%3.33%Oct 14, 2026: 2.83% APYOct 14, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1920 Mckinney Ave, Dallas, TX 75201
Certificate of Deposit - 60 Month
$0
2.75% ▼ 0.32% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.32% below avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2525 Mckinnon St, Dallas, TX 75201
60 Month CD's
$1,000
2.52% ▼ 0.55% below Texas avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.55% below avgNationally 2.91%
Details

Current as of 5/11/2023

Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 22, 2026: 2.52% APYOct 22, 2026Oct 28, 2026
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
Standard CD - 60 month
$10,000
2.50% ▼ 0.57% below Texas avg
View
▼
Rate2.48%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.57% below avgNationally 2.91%
Details

NexBank Standard CDs: $10,000 minimum to open; effective 10/13/2026

Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 20, 2026: 2.50% APYOct 20, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
5 Year Standard CD Products
$1,000
1.50% ▼ 1.57% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5956 Sherry Ln, Dallas, TX 75225
IRA CD - 5 Years
$1,000
1.50% ▼ 1.57% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details

CD rates are fixed for the term of the CD.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
60 Month Jumbo CD
$90,000
1.50% ▼ 1.57% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
8201 Preston Rd Suite 715, Dallas, TX 75225
60 Month Standard CD
$1,000
1.50% ▼ 1.57% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
5 Year CD
$500
1.25% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.82% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18121 Marsh Ln, Dallas, TX 75287
IRA 5 Year Certificate
$500
1.25% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.82% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.32% below Texas avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.32% below avgNationally 2.91%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
200 Crescent Ct, Dallas, TX 75201
60 Month Standard CD
$1,000
0.75% ▼ 2.32% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.32% below avgNationally 2.91%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
5-Year Jumbo CD
$100,000
0.50% ▼ 2.57% below Texas avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.57% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
5-Year Term CD
$1,000
0.50% ▼ 2.57% below Texas avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.57% below avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5950 Sherry Ln, Dallas, TX 75225
Term CD - 5-Year
$1,000
0.50% ▼ 2.57% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.57% below avgNationally 2.91%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
60 Month Fixed Rate Certificates of Deposit
$1,000
0.35% ▼ 2.72% below Texas avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.72% below avgNationally 2.91%
Details

Tier: $90,000+; Renewal Term: 60 Months

Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5430 Lyndon B Johnson Fwy, Dallas, TX 75240
60 Month Fixed Rate Certificates of Deposit
$1,000
0.30% ▼ 2.77% below Texas avg
View
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.77% below avgNationally 2.91%
Details

Tier: $1,000+; Renewal Term: 60 Months

Rate History
1 change since Sep 24, 2026 · 0.35% → 0.30% ▼ 0.05 pts · high 0.35% / low 0.30%
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYOct 7, 2026: 0.30% APYSep 24, 2026Oct 28, 2026
  • Oct 7, 20260.30%▼ from 0.35%
  • Sep 24, 20260.35%first recorded
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8201 Preston Rd, Dallas, TX 75225
60 Month Regular CD Account
$0
0.10% ▼ 2.97% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.97% below avgNationally 2.91%
Details

Type: Regular; Next Steps: Open Now

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 28, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
15150 Preston Rd, Dallas, TX 75248
60 Month Personal Certificate of Deposit
$0
0.05% ▼ 3.02% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 3.02% below avgNationally 2.91%
Details

Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
17218 Preston Rd, Dallas, TX 75252
Certificate of Deposit - 60 Months
$1,000
0.03% ▼ 3.04% below Texas avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 3.04% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 28, 2026
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 Dallas, Texas Institutions

Highest verified APYs available today, updated October 27, 2026

B Top 5 Bank Rates
T Bank
12 Month CD - Branch
B+ 4.8 ★ TX: 17.09%
Min: $1,000
4.65%
Austin Capital Bank
3 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.96%
Min: $0
4.58%
Vio Bank
Certificate of Deposit - 24 Month
A+ 5.0 ★ TX: 4.93%
Min: $0
4.40%
NexBank
12 month Promotional Online CD
A- 5.0 ★ TX: 14.93%
Min: $25,000
4.35%
Bask Bank
Bask 12-month CD
A+ 5.0 ★ TX: 3.64%
Min: $1,000
4.35%
CU Top 5 Credit Union Rates
Advancial Federal Credit Union
5 Year Regular, IRA & Business Jumbo Certificates
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
National Police Federal Credit Union
24-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
4.81%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Greater Texas Credit Union
60 Month Term Share Certificate
A+ 5.0 ★ TX: 5.54%
Min: $0
4.35%
Libertyone Credit Union
60 Month Jumbo or IRA CD
A 5.0 ★ TX: 8.30%
Min: $25,000
4.33%
Rates verified October 27, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Dallas, TX CD Rate Trends

Compare local Dallas, TX CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Texas CD Trends
12-Month CD TX Avg
3.389%
▼ 0.026 vs 7 days ago

Texas 12-month CD rates fell 0.026 points over the past 7 days to 3.389% APY.

6-Month CD TX Avg
3.244%
▼ 0.024 vs 7 days ago

Texas 6-month CD rates fell 0.024 points over the past 7 days to 3.244% APY.

As of Oct 28, 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
3.389%
6-Month Forecast
3.389%
Range: 3.19%, 3.54%
12-Month Forecast
3.639%
Range: 3.44%, 3.79%

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.

Powered by MonitorBankRates

What Your Savings Earn at TX CD Rates Today

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

CD Term TX Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.503% $125.16 $250.33 $625.83 $1,251.65
6-Month CD 3.244% $162.18 $324.36 $810.90 $1,621.80
12-Month CD 3.389% $169.45 $338.91 $847.28 $1,694.55
18-Month CD 3.279% $163.94 $327.87 $819.68 $1,639.35
24-Month CD 3.215% $160.76 $321.52 $803.80 $1,607.60
36-Month CD 3.123% $156.17 $312.33 $780.83 $1,561.65
48-Month CD 3.027% $151.33 $302.66 $756.65 $1,513.30
60-Month CD 3.073% $153.64 $307.27 $768.18 $1,536.35
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 27, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Dallas, 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 2.503% $125.16
2 6-Month CD $5,000 3.244% $162.18
3 12-Month CD $5,000 3.389% $169.45
4 24-Month CD $5,000 3.215% $160.76
5 36-Month CD $5,000 3.123% $156.17
Total ($25,000 invested) $25,000 3.095% blended $773.72/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.

Powered byMonitorBankRates
4,039
CD Rates
Tracked in Dallas, Texas
50 Banks 69 Credit Unions

About Our Dallas, Texas CD Rate Database

MonitorBankRates tracks 4,039 CD rates from 50 banks and 69 credit unions with locations in Dallas, 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: Advancial Federal Credit Union offers a CD at 4.87% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Dallas, Texas.

How to Find the Best CD Rates in Dallas, Texas

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

To find the best APYs in Dallas, Texas, start with credit unions and online-only banks: Dallas, Texas has 69 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 Dallas, 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 Dallas, Texas: 119 institutions here report CD rates

Consider an Alternative If…

Dallas, Texas Financial Snapshot

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

Population 65+
11.8%
National avg: 17.3%
Median Individual Earnings
$42,987
National avg: $47,340
Poverty Rate
16.7%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$146/yr
At TX 12-mo avg 3.389% APY

11.8% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 3.389%, saving 10% of the local median salary ($4,298/year) and putting it in a CD would earn an additional $146 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 Dallas, 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

CD Product Information

How CDs Work

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 Dallas, 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 Dallas, Texas as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Dallas, Texas savers easier access to their funds. For example, Austin Capital Bank is offering its 6 Month Certificate of Deposit at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its 5 Year Regular, IRA & Business Jumbo Certificates 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

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 Dallas, 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

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 Dallas, 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

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

What are CD rates in Dallas, Texas today?

Dallas, Texas CD rates range from 0.01% to 5.00% APY as of October 27, 2026, verified by MonitorBankRates. Top rates include 4.87% APY at Advancial Federal Credit Union (5 Year Regular, IRA & Business Jumbo Certificates), 4.81% at National Police Federal Credit Union (24-Month IRA) and 4.65% at T Bank (12 Month CD - Branch), compared with the MonitorBankRates national 12 month average of 3.00% APY.

Are CD rates in Dallas, Texas FDIC insured?

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

Here are recent top rates found for this area:
  • Advancial Federal Credit Union: 4.87% APY (5 Year Regular, IRA & Business Jumbo Certificates)
  • National Police Federal Credit Union: 4.81% APY (24-Month IRA)
  • T Bank: 4.65% APY (12 Month CD - Branch)
  • Austin Capital Bank: 4.58% APY (3 Month Certificate of Deposit)
  • Vio Bank: 4.40% APY (Certificate of Deposit - 24 Month)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • NexBank: 4.35% APY (12 month Promotional Online CD)
  • Greater Texas Credit Union: 4.35% APY (60 Month Term Share Certificate)
  • Bask Bank: 4.35% APY (Bask 12-month CD)
  • Libertyone Credit Union: 4.33% APY (60 Month Jumbo or IRA CD)
Rates reflect recent verified offers available in Dallas, Texas. Last Updated: October 27, 2026

Dallas, 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 Dallas, 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 Dallas, Texas CD Rates by Term

Verified October 27, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Dallas, Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Dallas, Texas

Dallas, Texas CD Calculator

At today’s TX top rate of 4.87% APY, a $10,000 deposit earns $487 in the first year. Enter your amount to see your exact return.

Dallas, Texas CD Ladder

TX CD rates currently range from 2.503% (3-month) to 3.123% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Dallas, Texas CD at 4.87% 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 3.389% 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 Dallas, 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 Dallas, 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 Dallas, 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 27, 2026

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