Current Devers, Texas CD rates include USE Federal Credit UnionUSE Federal Credit UnionA+5.0 ★Texas Ratio: 1.14%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month CD at 5.00% APY, Bank of the PanhandleBank of the PanhandleA5.0 ★Texas Ratio: 12.98%Real return: +2.04%APY minus CPI (February 2026) offering 6 Month Certificate at 4.84% APY, ADVANCIALADVANCIALA5.0 ★Texas Ratio: 10.42%Real return: +1.69%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY, MapleMark BankMapleMark BankA+5.0 ★Texas Ratio: 4.88%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month CD at 4.40% APY, and First Community Credit Union Houston, TXFirst Community Credit Union Houston, TXA+5.0 ★Texas Ratio: 3.51%Real return: +1.55%APY minus CPI (February 2026) offering Business CD - 2 Year at 4.35% APY. CD rates as of September 12, 2026 according to verified data from MonitorBankRates.
Devers is a smaller community with no bank or credit union branches currently in our database. 751 institutions serving the Texas area are available to Devers residents, with CD rates as high as 5.00% APY from USE Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 12, 2026
APY* Assumes no compounding, interest paid annually or at maturity.
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
High-Yield Rewards Checking Account required
Compounded: ; Credited: At Maturity
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Balance: $500,000+
Jumbo CDs require $500,000 and over. Annual Percentage Yield effective as of 09/10/2026. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account.
$95,000
Interest Payment Options: Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Regular
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Short-term savings made easy. Access your funds quickly while earning interest.
Promo Certificate; New Deposits are defined as funds not currently on deposit with Chartway Credit Union.; Rate effective date April 1, 2026.; Penalty for early withdrawal.; Fees could reduce earnings on the account.; Minimum $500 balance ($100 if under 18 years old) to open.; Will renew at the current 6-month certificate rate.
Promotional CD offer valid for FL residents. Advertised rate applies only in the state of FL. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time. Must open an account by 10/09/2026 to get the promotional rates.
Minimum: $99,000.00 or greater; Tier 3
Minimum: $99,000.00 or greater; Tier 3
To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.
Teens Earning And Learning; Age: 13-17; compounded monthly
Compounded: ; Credited: At Maturity
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
APY* Assumes no compounding, interest paid annually or at maturity.
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
High-Yield Rewards Checking Account required
Effective 2/26/26
Balance: $50,000.00- $98,999.99; Tier 2
Balance: $50,000.00- $98,999.99; Tier 2
Share Type: Regular or IRA; Dividends Paid: Monthly
Great for mid-term goals. Secure growth with minimal commitment.
Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.
Over $50,000
Balance: $1,000.00 - $49,999.99; Tier 1
Fees may reduce earnings. Early withdrawal penalty: 180 days' dividends.
Special Rate
Special 12-Month at 4.25% APY* with $500 minimum deposit. This Promo is also available for Educational, Roth, and Traditional 12-Month IRA Term Share Certificates! Fees may reduce earning on accounts. Dividends compounded and credited monthly on all share accounts, share certificates, & IRA certificates. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.
Special 12-Month at 4.25% APY* with $500 minimum deposit. This Promo is also available for Educational, Roth, and Traditional 12-Month IRA Term Share Certificates! Fees may reduce earning on accounts. Dividends compounded and credited monthly on all share accounts, share certificates, & IRA certificates. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.
Minimum: $99,000.00 or greater; Tier 3
Minimum: $99,000.00 or greater; Tier 3
Over $50,000
APY as high as
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. New money deposits only.
Minimum to Avoid Service Charge: $0
Balance: $50,000.00 - $98,999.99; Tier 2
Balance: $50,000.00 - $98,999.99; Tier 2
Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.
Compounded: Quarterly; Credited: Quarterly
Compounded: Quarterly; Credited: Quarterly
Under $50,000
Balance: $1,000.00 - $49,999.99; Tier 1
Balance: $1,000.00 - $49,999.99; Tier 1
Promotional CD offer valid for FL residents. Advertised rate applies only in the state of FL. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time. Must open an account by 10/09/2026 to get the promotional rates.
Competitive Rate
APY as high as
Bump-Up CD; Available for a limited time only!; Available in Dubuque, Lubbock, Albuquerque, and Boise. Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.
Compounded: Quarterly; Credited: Quarterly
Dividends Compounded: Monthly; Dividends Credited: Monthly; Renewal: Automatic with 10-day grace period
Dividends Compounded Monthly Dividends Credited Monthly Renewal Automatic with 10-day grace period
Minimum to Avoid Service Charge: $0
Competitive Rate
Offer valid on new Flex Share Certificate accounts only. The 4.00% APY applies only to the amount deposited at account opening; additional deposits are not permitted. Promotional rate available for certificates opened January 28-July 31 2026
Traditional/Roth IRA Certificates.
$95,000
Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.
Compounded: Quarterly; Credited: Quarterly
Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Dividends pay & compound: Quarterly
JUMBO
JUMBO
Fees may reduce earnings. Early withdrawal penalty: 180 days' dividends.
APY as high as
Compounded: Quarterly; Credited: Quarterly
Promotion is for a limited time on a 2-year share certificate (Consumer and Business) with a $100,000 minimum deposit.
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Fees could reduce earnings.
Max Balance: $100,000
Compounded: Daily; Credited: At Maturity
Competitive Rate
Early Withdrawal Penalty: 90 Days' Dividends
$95,000
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Fees could reduce earnings.
Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.
Balance: $50,000+
Age 13-17
High-Yield Rewards Checking Account required
JUMBO
JUMBO
Fees may reduce earnings. Early withdrawal penalty: 360 days' dividends.
APY as high as
Compounded: Quarterly; Credited: Quarterly
Compounded: Daily; Credited: At Maturity
Traditional/Roth IRA Certificates.
Early Withdrawal Penalty: 180 Days' Dividends
JUMBO
JUMBO
Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.
Posting Frequency: Quarterly
JUMBO $95,000+
JUMBO $95,000+
Compounded: Quarterly; Credited: Quarterly
Fees may reduce earnings. Early withdrawal penalty: 360 days' dividends.
Compounded: Quarterly; Credited: Quarterly
Early Withdrawal Penalty: 180 Days' Dividends
Posting Frequency: Quarterly
JUMBO
JUMBO
Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.
Posting Frequency: Quarterly
JUMBO $95,000+
JUMBO $95,000+
Compounded: Quarterly; Credited: Quarterly
Posting Frequency: Quarterly
Over $50,000
Posting Frequency: Quarterly
BUMP Dividend Rate: 3.68%; Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly
Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
$95,000
Compounded: Quarterly; Credited: Quarterly
Interest is compounded monthly and credited monthly. APY accurate as of July 1, 2026 and subject to change. Fees could reduce earnings. Penalty for early withdrawal.
Posting Frequency: Quarterly
Traditional/Roth IRA Certificates.
Guaranteed growth for life's next chapter. No fees with a low minimum balance. No monthly service fee when you maintain a $1,000 daily balance. Higher balances earn higher returns. Save by locking in our highest dividend rates. Enjoy a guaranteed rate of return. Aligned with your financial goals.
Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Early Withdrawal Penalty: 180 Days' Dividends
Early Withdrawal Penalty: 180 Days' Dividends
JUMBO
JUMBO
Tier 3
Tier 3
Posting Frequency: Quarterly
JUMBO $95,000+
JUMBO $95,000+
Posting Frequency: Quarterly
Compare local Devers, 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.
Texas 12-month CD rates rose 0.471 points over the past 7 days to 2.883% APY.
Texas 6-month CD rates rose 0.716 points over the past 7 days to 2.702% APY.
Where are Texas CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.020% | $101.00 | $202.00 | $505.00 | $1,010.00 |
| 6-Month CD | 2.702% | $135.12 | $270.24 | $675.60 | $1,351.20 |
| 12-Month CD | 2.883% | $144.13 | $288.25 | $720.63 | $1,441.25 |
| 18-Month CD | 2.746% | $137.28 | $274.56 | $686.40 | $1,372.80 |
| 24-Month CD | 2.783% | $139.16 | $278.32 | $695.80 | $1,391.60 |
| 36-Month CD | 2.707% | $135.37 | $270.74 | $676.85 | $1,353.70 |
| 48-Month CD | 2.713% | $135.65 | $271.29 | $678.23 | $1,356.45 |
| 60-Month CD | 2.818% | $140.89 | $281.79 | $704.48 | $1,408.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 12, 2026. | |||||
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.020% | $101.00 |
| 2 | 6-Month CD | $5,000 | 2.702% | $135.12 |
| 3 | 12-Month CD | $5,000 | 2.883% | $144.13 |
| 4 | 24-Month CD | $5,000 | 2.783% | $139.16 |
| 5 | 36-Month CD | $5,000 | 2.707% | $135.37 |
| Total ($25,000 invested) | $25,000 | 2.619% blended | $654.78/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 1,954 CD rates from 44 banks and 96 credit unions with locations in Devers, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: USE Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Devers, Texas.
What to compare when shopping for a CD in Devers, Texas
To find the best APYs in Devers, Texas, start with credit unions and online-only banks: Devers, Texas has 96 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
13.4% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 2.883%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $127 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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 Devers, 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 Devers, Texas as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Devers, Texas savers easier access to their funds. For example, Bank of the Panhandle is offering its 6 Month Certificate at 4.84% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
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 Devers, 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.
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 Devers, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Devers, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Devers, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
At today’s TX top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Devers, Texas CD LadderTX CD rates currently range from 2.020% (3-month) to 2.707% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Devers, Texas CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.883% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Devers, 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 Devers, 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 Devers, 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.