Houston, Texas Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Houston, Texas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Houston, Texas CD rates include FIRST EAGLEFIRST EAGLE2929 Allen Pkwy, Houston, TX 77019A+5.0 ★Texas Ratio: 3.56%Real return: +2.20%APY minus CPI (February 2026) offering Share Certificate Special - 1 Year Certificate at 5.00% APY, Gulf Capital BankGulf Capital Bank1 Riverway, Houston, TX 77056A+5.0 ★Texas Ratio: 3.09%Real return: +2.16%APY minus CPI (February 2026) offering 36 Month Jumbo Certificate of Deposit at 4.96% APY, Advancial Federal Credit UnionAdvancial Federal Credit Union845 N Eldridge Pkwy, Houston, TX 77079A5.0 ★Texas Ratio: 12.30%Real return: +2.07%APY minus CPI (February 2026) offering 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% APY, First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX3200 S Dairy Ashford Rd, Houston, TX 77082 2319A+5.0 ★Texas Ratio: 3.58%Real return: +1.90%APY minus CPI (February 2026) offering 5 Year Business CD at 4.70% APY, and Amoco Federal Credit UnionAmoco Federal Credit Union1800 Space Park Dr, Houston, TX 77058A5.0 ★Texas Ratio: 7.70%Real return: +1.70%APY minus CPI (February 2026) offering 36 Month Certificate at 4.50% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Houston has 780 local institutions in our database, with CD rates as high as 5.00% APY from FIRST EAGLE at 2929 Allen Pkwy, Houston, TX 77019. 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 14, 2026
Compare Best CD Rates in Houston, Texas & the Surrounding Area
Houston 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
90 Day Jumbo Certificate of Deposit
$0
4.44%
▲ 1.94% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.30%
▲ 1.80% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.80% above avgNationally 2.09%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.30% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 months)
$250,001
4.23%
▲ 1.73% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.09%
Details
IRA Certificate; minimum deposit tier $250,001
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
- Sep 21, 20264.23%▲ from 3.97%
- Sep 14, 20263.97%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.20%
▲ 1.70% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.70% above avgNationally 2.09%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.20% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 months)
$100,001
4.18%
▲ 1.68% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.09%
Details
IRA Certificate; minimum deposit tier $100,001
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
- Sep 21, 20264.18%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
3 Month Share Certificates
$250,001
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details
Balance tier starting at $250,001; Minimum Deposit column
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Sep 21, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 months)
$50,001
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.09%
Details
IRA Certificate; minimum deposit tier $50,001
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97%
- Sep 21, 20264.13%▲ from 3.97%
- Sep 14, 20263.97%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.10%
▲ 1.60% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.09%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.10% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
3 Month Share Certificates
$100,001
4.07%
▲ 1.57% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.09%
Details
Balance tier starting at $100,001; Minimum Deposit column
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Sep 21, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 months)
$1,000
4.07%
▲ 1.57% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.09%
Details
IRA Certificate; minimum deposit tier $1,000
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
- Sep 21, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
3 Month Share Certificates
$50,001
4.02%
▲ 1.52% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.52% above avgNationally 2.09%
Details
Balance tier starting at $50,001; Minimum Deposit column
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 21, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1001 Broadway St, Houston, TX 77012
90 Day Certificate of Deposit
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details
Balance: $500,000.00 and over; $500,000+ jumbo tier
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1001 Broadway St, Houston, TX 77012
90 Day Frost Business Certificate of Deposit
$1,000
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details
Balance: $500,000 and over; Promotional rate for new CDs opened during the promotion; CDs opened prior to 5/1/2023 that renew during the promotion are not eligible; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1001 Broadway St, Houston, TX 77012
90 Day Jumbo CD
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details
Visit a Frost financial center for CDs of $500,000 and over; APY effective as of 10/14/2026; Frost CDs may be used for Traditional and Roth IRAs
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.60%
- Sep 18, 20263.60%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.09%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.00% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
3 Month Share Certificates
$1,000
3.97%
▲ 1.47% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.47% above avgNationally 2.09%
Details
Balance tier starting at $1,000; Minimum Deposit column
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
- Sep 21, 20263.97%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 3 Month CD
$500
3.85%
▲ 1.35% above Texas avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
90 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.30% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
Star Certificate of Deposit - 90 Days
$1,000
3.80%
▲ 1.30% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details
Open Account
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
14703 Eagle Vista Dr, Houston, TX 77077
CD and over - 3 Months
$0
3.80%
▲ 1.30% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
90 Day CD
$0
3.80%
▲ 1.30% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Jumbo Certificate Of Deposit (CD) - 90 Day
$0
3.80%
▲ 1.30% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1990 Post Oak Blvd, Houston, TX 77056
Certificates of Deposit (CD) - 3-Month
$0
3.75%
▲ 1.25% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.09%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
14703 Eagle Vista Dr, Houston, TX 77077
3 Month CD to $249,999.99
$0
3.70%
▲ 1.20% above Texas avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1001 Broadway St, Houston, TX 77012
90 Day Certificate of Deposit
$0
3.65%
▲ 1.15% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.09%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
- Oct 2, 20263.65%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1001 Broadway St, Houston, TX 77012
90 Day Frost Business Certificate of Deposit
$1,000
3.65%
▲ 1.15% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.09%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.65% APY
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
14703 Eagle Vista Dr, Houston, TX 77077
3 Month CD
$0
3.55%
▲ 1.05% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5 Greenway Plz, Houston, TX 77046 0521
3 Month Share Certificate
$1,000
3.50%
▲ 1.00% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 1.00% above avgNationally 2.09%
Details
APY $500: N/A; APY $1,000+: 3.50%; APY $100,000+: 3.50%
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
3 Month Share Certificate
$500
3.50%
▲ 1.00% above Texas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 1.00% above avgNationally 2.09%
Details
Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 13, 20263.50%▲ from 3.30%
- Oct 5, 20263.30%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1001 Broadway St, Houston, TX 77012
90 Day Certificate of Deposit
$0
3.30%
▲ 0.80% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.80% above avgNationally 2.09%
Details
Balance: $1,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Oct 2, 20263.30%▲ from 3.20%
- Sep 27, 20263.20%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1001 Broadway St, Houston, TX 77012
90 Day Frost Business Certificate of Deposit
$1,000
3.30%
▲ 0.80% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.80% above avgNationally 2.09%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.30% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Business Fixed Rate Certificates - 3 Month
$0
3.25%
▲ 0.75% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.75% above avgNationally 2.09%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate Certificate - 3 Month
$0
3.25%
▲ 0.75% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.75% above avgNationally 2.09%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1800 Post Oak Boulevard, Houston, TX 77056
3 Month CD
$100,000
3.03%
▲ 0.53% above Texas avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.53% above avgNationally 2.09%
Details
Certificates of Deposit ($100,000 or above); Must maintain a minimum balance of $100,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 8 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
750 Town And Country Blvd Ste 100, Houston, TX 77024
3 Month Certificates of Deposit
$0
3.00%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.50% above avgNationally 2.09%
Details
FL only; banking center minimum $10,000, online minimum $500
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
11391 Monroe Rd, Houston, TX 77075 4877
3 Month Share Certificate
$500
3.00%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.50% above avgNationally 2.09%
Details
Balance: $500 Minimum Balance tier; Rates current as of 10/13/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 3 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
90 Day CD - Jumbo Term Share
$100,000
2.88%
▲ 0.38% above Texas avg
▼
Rate2.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.38% above avgNationally 2.09%
Details
Rate History
No change since Oct 12, 2026 · 2.88% APY
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
3 Month Share Certificates
$1,000
2.84%
▲ 0.34% above Texas avg
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▲ 0.34% above avgNationally 2.09%
Details
Rate History
No change since Sep 21, 2026 · 2.84% APY · checked 4 times
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2600 S Gessner Rd, Houston, TX 77063
90 Day CD
$0
2.80%
▲ 0.30% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.30% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 3 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
90 Day Premium Term Share Certificate
$100
2.78%
▲ 0.28% above Texas avg
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.28% above avgNationally 2.09%
Details
Rate History
No change since Oct 4, 2026 · 2.78% APY · checked 3 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Term Share CD - 90 day - PDA
$100
2.78%
▲ 0.28% above Texas avg
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▲ 0.28% above avgNationally 2.09%
Details
Premium Deposit Account (PDA) dividend rate
Rate History
No change since Oct 12, 2026 · 2.78% APY
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
2001 Rankin Rd, Houston, TX 77073 5114
Business Certificate Accounts - 3-Month
$1,000
2.75%
▲ 0.25% above Texas avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.25% above avgNationally 2.09%
Details
Penalty for early withdrawal.
Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 4 times
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
2001 Rankin Rd, Houston, TX 77073 5114
Certificates - 3-Month
$1,000
2.75%
▲ 0.25% above Texas avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.25% above avgNationally 2.09%
Details
Penalty for early withdrawal. Minimum $1,000 to open.
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65%
▲ 0.15% above Texas avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.15% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
- Oct 1, 20262.65%▲ from 2.55%
- Sep 18, 20262.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55%
▲ 0.05% above Texas avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▲ 0.05% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
- Oct 1, 20262.55%▲ from 2.45%
- Sep 18, 20262.45%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
3 Month Regular, IRA & Business Certificates
$0
2.45%
▼ 0.05% below Texas avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▼ 0.05% below avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
- Oct 1, 20262.45%▲ from 2.34%
- Sep 18, 20262.34%first recorded
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
90 Day Term Share Certificate (CD)
$100
2.27%
▼ 0.23% below Texas avg
▼
Rate2.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average2.50%▼ 0.23% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 4 times
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
18540 Northwest Fwy, Houston, TX 77065
90 Day Jumbo Certificate
$50,000
2.25%
▼ 0.25% below Texas avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average2.50%▼ 0.25% below avgNationally 2.09%
Details
Consumer Only; Minimum Balance to Open $50,000; Minimum Balance to Earn APY $50,000
Rate History
No change since Oct 13, 2026 · 2.25% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
80 Uvalde Rd, Houston, TX 77015
Certificate of Deposit 3 Month
$500
2.00%
▼ 0.50% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Texas Gulf Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1626 S Voss Rd, Houston, TX 77057
90 Day Certificate
$2,500
1.92%
▼ 0.58% below Texas avg
▼
Rate1.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.50%▼ 0.58% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 1.92% APY · checked 2 times
Houston 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
6 Month Jumbo Certificate of Deposit
$0
4.54%
▲ 1.29% above Texas avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 1.29% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 4.54% APY · checked 2 times
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
6 Month Certificates of Deposit
$0
4.50%
▲ 1.25% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 1.25% above avgNationally 2.77%
Details
Up to 4.50% APY; CD terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month; early withdrawal penalties apply
Rate History
No change since Oct 1, 2026 · 4.50% APY · checked 2 times
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
4373 FM 1960 West, Houston, TX 77014
6-Month Promo Certificate
$500
4.30%
▲ 1.05% above Texas avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 1.05% above avgNationally 2.77%
Details
Promotional certificate; funded with new deposits only; $100 minimum if under 18 years old
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 7 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (6 months)
$250,001
4.23%
▲ 0.98% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.98% above avgNationally 2.77%
Details
Dividend rate tier starting at $250,001
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (6 months)
$100,001
4.18%
▲ 0.93% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.93% above avgNationally 2.77%
Details
Dividend rate tier starting at $100,001
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
6 Month Share Certificates
$250,001
4.13%
▲ 0.88% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.88% above avgNationally 2.77%
Details
Minimum deposit tier
Rate History
No change since Oct 5, 2026 · 4.13% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (6 months)
$50,001
4.13%
▲ 0.88% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.88% above avgNationally 2.77%
Details
Dividend rate tier starting at $50,001
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
6 Month Share Certificates
$100,001
4.07%
▲ 0.82% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.82% above avgNationally 2.77%
Details
Minimum deposit tier
Rate History
No change since Oct 5, 2026 · 4.07% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (6 months)
$1,000
4.07%
▲ 0.82% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.82% above avgNationally 2.77%
Details
Dividend rate tier starting at $1,000
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
6 Month Share Certificates
$50,001
4.02%
▲ 0.77% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.77% above avgNationally 2.77%
Details
Minimum deposit tier
Rate History
No change since Oct 5, 2026 · 4.02% APY · checked 2 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX 77019
Share Certificate 6-Month Certificate 70th Anniversary Special
$0
4.02%
▲ 0.77% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.77% above avgNationally 2.77%
Details
70th Anniversary Special; Minimum balance to open $500.00; Funds must be new money to the Credit Union
Rate History
No change since Sep 30, 2026 · 4.02% APY · checked 5 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 6 Month CD
$500
4.00%
▲ 0.75% above Texas avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 0.75% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Sep 24, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
180 Day CD
$0
4.00%
▲ 0.75% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.75% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Jumbo Certificate Of Deposit (CD) - 180 Day
$0
4.00%
▲ 0.75% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.75% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1600 Memorial Dr, Houston, TX 77007 7702
Share Certificate - 6-month Jumbo
$100,000
3.97%
▲ 0.72% above Texas avg
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.72% above avgNationally 2.77%
Details
Jumbo
Rate History
No change since Sep 25, 2026 · 3.97% APY · checked 3 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
6 Month Share Certificates
$1,000
3.97%
▲ 0.72% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.72% above avgNationally 2.77%
Details
Minimum deposit tier
Rate History
No change since Oct 5, 2026 · 3.97% APY · checked 2 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
6 Month CD - Jumbo Term Share
$100,000
3.91%
▲ 0.66% above Texas avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.66% above avgNationally 2.77%
Details
Rate History
No change since Oct 12, 2026 · 3.91% APY
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1990 Post Oak Blvd, Houston, TX 77056
Certificates of Deposit (CD) - 6-Month
$0
3.90%
▲ 0.65% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
6 Month Business CD
$5,000
3.90%
▲ 0.65% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 3.90% APY
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
Bask 6-month CD
$1,000
3.90%
▲ 0.65% above Texas avg
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
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 for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
Certificate of Deposit - 6 Months
$1,000
3.90%
▲ 0.65% above Texas avg
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.65% above avgNationally 2.77%
Details
Open Account
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
6 Month Share Certificate Accounts - IRA & Jumbo
$0
3.87%
▲ 0.62% above Texas avg
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.62% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 6 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
6 Month Share Certificate
$500
3.85%
▲ 0.60% above Texas avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.60% above avgNationally 2.77%
Details
Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 13, 20263.85%▲ from 3.50%
- Oct 5, 20263.50%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
750 Town And Country Blvd, Houston, TX 77024
6 Month Certificate of Deposit (CD)
$0
3.85%
▲ 0.60% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.60% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
180 Day Star Certificate of Deposit
$1,000
3.80%
▲ 0.55% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.77%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
Star Certificate of Deposit - 180 Days
$1,000
3.80%
▲ 0.55% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.77%
Details
Open Account
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 7 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
6 Month Premium Term Share Certificate
$100
3.80%
▲ 0.55% above Texas avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.77%
Details
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 3 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Term Share CD - 6 month - PDA
$100
3.80%
▲ 0.55% above Texas avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.77%
Details
Premium Deposit Account (PDA) dividend rate
Rate History
No change since Oct 12, 2026 · 3.80% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
6 Month Business CD
$5,000
3.80%
▲ 0.55% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.55% above avgNationally 2.77%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 3.80% APY
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1600 Memorial Dr, Houston, TX 77007 7702
Share Certificate - 6-month Regular
$1,000
3.76%
▲ 0.51% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.51% above avgNationally 2.77%
Details
Regular
Rate History
No change since Sep 25, 2026 · 3.76% APY · checked 3 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificate - 180 Days
$0
3.76%
▲ 0.51% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.51% above avgNationally 2.77%
Details
Not available for IRAs
Rate History
No change since Sep 27, 2026 · 3.76% APY · checked 4 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
14703 Eagle Vista Dr, Houston, TX 77077
CD and over - 6 Months
$0
3.75%
▲ 0.50% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
6 Month Share Certificate Accounts - Share
$500
3.75%
▲ 0.50% above Texas avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Dividend Rate; $500 minimum investment
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
18540 Northwest Fwy, Houston, TX 77065
6 Month Certificate
$500
3.75%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Consumer Only; Minimum Balance to Open $500; Minimum Balance to Earn APY $500
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX 77034
6 Month Callable CD
$0
3.75%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Callable CD: may be redeemed by the credit union at its option, not in the first 90 days; minimum to open $50,000 per footnote c; Balance tier: $1,000,000.00 and up
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
11391 Monroe Rd, Houston, TX 77075 4877
6 Month Share Certificate
$500
3.75%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Balance: $500 Minimum Balance tier; Rates current as of 10/13/2026
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
6 Month Term Share Certificate
$0
3.75%
▲ 0.50% above Texas avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 10, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
6-Month CD
$10,000
3.75%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Est. earnings / $10K: ~$188; Total value: $10,188; APYs accurate as of May 1, 2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4265 San Felipe St, Houston, TX 77027
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.50% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Business Fixed Rate Certificates - 6 Month
$0
3.70%
▲ 0.45% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.77%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate Certificate - 6 Month
$0
3.70%
▲ 0.45% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.77%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA - 6 Month
$0
3.70%
▲ 0.45% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.77%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
6 Month Business CD
$5,000
3.70%
▲ 0.45% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.25%▲ 0.45% above avgNationally 2.77%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 3.70% APY
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
720 N Post Oak Rd, Houston, TX 77024
6-month CD
$50,000
3.65%
▲ 0.40% above Texas avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Balance: $50,000 - $250,000 New Money; Open now or in branch; Take advantage of our highest CD rate
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 4 times
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1800 Post Oak Boulevard, Houston, TX 77056
6 Month CD
$100,000
3.65%
▲ 0.40% above Texas avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Certificates of Deposit ($100,000 or above); Must maintain a minimum balance of $100,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
14703 Eagle Vista Dr, Houston, TX 77077
6 Month CD to $249,999.99
$0
3.65%
▲ 0.40% above Texas avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2600 S Gessner Rd, Houston, TX 77063
6 Month CD
$0
3.65%
▲ 0.40% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8980 Clearwood Dr, Houston, TX 77075
6 Month Certificate of Deposit
$0
3.65%
▲ 0.40% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Balance: $50,000 and over; Jumbo
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
- Oct 14, 20263.65%▲ from 3.55%
- Sep 18, 20263.55%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8980 Clearwood Dr, Houston, TX 77075
Certificate of Deposit - 6 Month (Jumbo)
$0
3.65%
▲ 0.40% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Jumbo; Balance: $50,000 and over
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8980 Clearwood Dr, Houston, TX 77075
IRA Certificate of Deposit - 6 Month
$0
3.65%
▲ 0.40% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Balance: $1,000 and over
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Houston 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX 77019
Share Certificate Special - 1 Year Certificate
$0
5.00%
▲ 1.62% above Texas avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 1.62% above avgNationally 2.99%
Details
Qualifications Required: Checking account; First Eagle debit card; monthly deposits of at least $100.00; Special APY requires a Checking account, First Eagle debit card and monthly deposits of at least $100.00 (must have Checking); funds must be new money to the Credit Union; deposit up to $100,000; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 5.00% APY
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
12 Month Jumbo Certificate of Deposit
$0
4.70%
▲ 1.32% above Texas avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.32% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
1 Year Certificate
$90,000
4.39%
▲ 1.01% above Texas avg
▼
Rate4.30%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 1.01% above avgNationally 2.99%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
12 Month Special EasyStart Certificate
$50
4.35%
▲ 0.97% above Texas avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
12 Month Share Certificate
$100,000
4.35%
▲ 0.97% above Texas avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 13, 20264.35%▲ from 4.25%
- Oct 5, 20264.25%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
Bask 12-month CD
$1,000
4.35%
▲ 0.97% above Texas avg
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.97% above avgNationally 2.99%
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 for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 6 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
750 Town And Country Blvd, Houston, TX 77024
12 Month Certificate of Deposit (CD)
$0
4.30%
▲ 0.92% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.92% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 10, 20264.30%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
1 Year Certificate
$25,000
4.28%
▲ 0.90% above Texas avg
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.90% above avgNationally 2.99%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
State Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.15%
8585 S Gessner Rd, Houston, TX 77074
High-Rate Jumbo 12-Month CD
$100,000
4.25%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details
Limited time offer; minimum deposit $100,000 applies to new money deposits only; fixed rate for the full 12-month term; call for rates and APY on additional minimum balances; interest paid monthly via ACH or added back at maturity
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 7, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
750 Town And Country Blvd Ste 100, Houston, TX 77024
12 Month Certificates of Deposit
$0
4.25%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details
FL only; promotional CD offer; 10-day rate guarantee; banking center minimum $10,000, online minimum $500
Rate History
1 change since Sep 27, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 27, 20264.00%first recorded
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
100 Dominion Park Dr, Houston, TX 77090 6716
12 Months Wealth Builder Certificate
$250
4.25%
▲ 0.87% above Texas avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details
Dividends Compounded and Credited: Monthly; Dividend Period: Monthly
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
12 Month Share Certificate
$500
4.25%
▲ 0.87% above Texas avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.87% above avgNationally 2.99%
Details
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
1 Year IRA Certificates
$250,001
4.23%
▲ 0.85% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.85% above avgNationally 2.99%
Details
Source table caption: IRA Certificates (1 year)
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 2 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
12 Month Star Certificate of Deposit
$1,000
4.20%
▲ 0.82% above Texas avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.82% above avgNationally 2.99%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
1 Year Business CD
$5,000
4.20%
▲ 0.82% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.82% above avgNationally 2.99%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.20% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
1 Year Certificate
$1,000
4.18%
▲ 0.80% above Texas avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.80% above avgNationally 2.99%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.18% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
1 Year IRA Certificates
$100,001
4.18%
▲ 0.80% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.80% above avgNationally 2.99%
Details
Source table caption: IRA Certificates (1 year)
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
12 Month Share Certificate Accounts - IRA & Jumbo
$0
4.17%
▲ 0.79% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.79% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
- Oct 13, 20264.17%▲ from 4.12%
- Sep 25, 20264.12%▲ from 4.07%
- Sep 18, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 12 Month CD
$500
4.15%
▲ 0.77% above Texas avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
- Sep 24, 20264.15%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
1 Year IRA Certificates
$50,001
4.13%
▲ 0.75% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.75% above avgNationally 2.99%
Details
Source table caption: IRA Certificates (1 year)
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (1 year)
$250,001
4.13%
▲ 0.75% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.75% above avgNationally 2.99%
Details
Balance tier: $250,001 (Minimum Deposit tier)
Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.72% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
1 Year Business CD
$5,000
4.10%
▲ 0.72% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.10% APY
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
12 Month Term Share Certificate
$0
4.10%
▲ 0.72% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 10, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
12-Month CD
$20,000
4.10%
▲ 0.72% above Texas avg
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.72% above avgNationally 2.99%
Details
Est. earnings / $10K: ~$410; Total value: $10,410; APYs accurate as of May 1, 2026
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
1 Year IRA Certificates
$1,000
4.07%
▲ 0.69% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.69% above avgNationally 2.99%
Details
Source table caption: IRA Certificates (1 year)
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (1 year)
$100,001
4.07%
▲ 0.69% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.69% above avgNationally 2.99%
Details
Balance tier: $100,001 (Minimum Deposit tier)
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.67% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.67% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
12 Month Share Certificate Accounts - Share
$500
4.05%
▲ 0.67% above Texas avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.67% above avgNationally 2.99%
Details
Dividend Rate; $500 minimum investment
Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 9, 20264.05%▲ from 4.00%
- Sep 25, 20264.00%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1600 Memorial Dr, Houston, TX 77007 7702
12 Month Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate - Jumbo
$100,000
4.02%
▲ 0.64% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.64% above avgNationally 2.99%
Details
Type: Jumbo
Rate History
No change since Oct 12, 2026 · 4.02% APY
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1600 Memorial Dr, Houston, TX 77007 7702
Share Certificate - 12-month Jumbo
$100,000
4.02%
▲ 0.64% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.64% above avgNationally 2.99%
Details
Jumbo
Rate History
No change since Sep 25, 2026 · 4.02% APY · checked 3 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (1 year)
$50,001
4.02%
▲ 0.64% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.64% above avgNationally 2.99%
Details
Balance tier: $50,001 (Minimum Deposit tier)
Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 6 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
12 Month CD - Jumbo Term Share
$100,000
4.01%
▲ 0.63% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.63% above avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 4.01% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3207 Westpark Dr, Houston, TX 77005
12 Month 360 CD
$0
4.00%
▲ 0.62% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
1-year online CD; CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.00%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3207 Westpark Dr, Houston, TX 77005
360 CD - 12 Months
$0
4.00%
▲ 0.62% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.00%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.62% above Texas avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Energy Capital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
18540 Northwest Fwy, Houston, TX 77065
IRA Certificate - 12 Month
$500
4.00%
▲ 0.62% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Effective 10/1/2025; APY*
Rate History
No change since Oct 13, 2026 · 4.00% APY
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
12 Month IRA Jumbo Term Certificate
$95,000
4.00%
▲ 0.62% above Texas avg
▼
Rate3.94%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Dividends compounded quarterly, credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period; Fixed rate; Available as Traditional and Roth
Rate History
No change since Oct 13, 2026 · 4.00% APY
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
Certificate Account - 12 Months
$1,000
4.00%
▲ 0.62% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Fixed; Dividends compounded quarterly; Dividends credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
Rate History
No change since Oct 13, 2026 · 4.00% APY
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
Jumbo Certificate Account - 12 Months
$95,000
4.00%
▲ 0.62% above Texas avg
▼
Rate3.93%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Fixed; Dividends compounded Monthly; Dividends credited Monthly; Early withdrawal: At Maturity, up to 90 days dividends; Renewals: Automatic with 10 day grace period
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
Traditional Certificate Account - 12 Months
$1,000
4.00%
▲ 0.62% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Dividends compounded quarterly; credited quarterly; additional deposits: at maturity; early withdrawal penalty: up to 90 days dividends; renewals: automatic with 10 day grace period; IRA Term Certificate (Available as both Traditional and Roth)
Rate History
No change since Oct 13, 2026 · 4.00% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
1 Year Business CD
$5,000
4.00%
▲ 0.62% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.00% APY
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
12 Month Term Share Certificate
$0
4.00%
▲ 0.62% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4265 San Felipe St, Houston, TX 77027
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.62% above Texas avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (1 year)
$1,000
3.97%
▲ 0.59% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.59% above avgNationally 2.99%
Details
Balance tier: $1,000 (Minimum Deposit tier)
Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 6 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
1 Year Jumbo Share Certificate
$0
3.92%
▲ 0.54% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.38%▲ 0.54% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.92% APY
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
12 Month Premium Term Share Certificate
$100
3.91%
▲ 0.53% above Texas avg
▼
Rate3.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details
Rate History
No change since Oct 4, 2026 · 3.91% APY · checked 3 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Premium College Saver (12 Months)
$25
3.91%
▲ 0.53% above Texas avg
▼
Rate3.85%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details
Special Term Share Certificates - Jumbo Term Share Rates
Rate History
No change since Oct 4, 2026 · 3.91% APY · checked 3 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Term Share CD - 12 month - PDA
$100
3.91%
▲ 0.53% above Texas avg
▼
Rate3.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.38%▲ 0.53% above avgNationally 2.99%
Details
Premium Deposit Account (PDA) dividend rate
Rate History
No change since Oct 12, 2026 · 3.91% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
1 Year Business CD
$5,000
3.90%
▲ 0.52% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.38%▲ 0.52% above avgNationally 2.99%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 3.90% APY
Houston 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
18 Month Share Certificate
$100,000
4.35%
▲ 1.08% above Texas avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 13, 20264.35%▲ from 3.75%
- Oct 5, 20263.75%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
18 Month Business CD
$5,000
4.35%
▲ 1.08% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.35% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
750 Town And Country Blvd, Houston, TX 77024
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.08% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
18 Month Star Certificate of Deposit
$1,000
4.25%
▲ 0.98% above Texas avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
18 Month Share Certificate
$500
4.25%
▲ 0.98% above Texas avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
18 Month Business CD
$5,000
4.25%
▲ 0.98% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.25% APY
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX 77032
18 Month Certificate of Deposit
$0
4.25%
▲ 0.98% above Texas avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Investment Accounts (includes IRA CDs); Regular and IRA Certificates of Deposit; Balance: Jumbo ($50K plus)
Rate History
2 changes since Sep 18, 2026 · 3.30% → 4.25% ▲ 0.95 pts · high 4.25% / low 3.30%
- Oct 14, 20264.25%▲ from 4.15%
- Sep 22, 20264.15%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 18 Month CD
$500
4.20%
▲ 0.93% above Texas avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 0.93% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.88% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
18 Month Business CD
$5,000
4.15%
▲ 0.88% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.15% APY
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
18-Month CD
$20,000
4.15%
▲ 0.88% above Texas avg
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.88%
Details
Est. earnings / $10K: ~$622; Total value: $10,622; APYs accurate as of May 1, 2026
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.83% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
18 Month Term Share Certificate
$0
4.10%
▲ 0.83% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.88%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 10, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
18 Month Business CD
$5,000
4.05%
▲ 0.78% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.78% above avgNationally 2.88%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.05% APY
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
18 Month Share Certificate Accounts - IRA & Jumbo
$0
4.02%
▲ 0.75% above Texas avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.75% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 14, 2026 · 3.67% → 4.02% ▲ 0.35 pts · high 4.02% / low 3.67%
- Oct 13, 20264.02%▲ from 3.87%
- Sep 25, 20263.87%▲ from 3.82%
- Sep 18, 20263.82%▲ from 3.67%
- Sep 14, 20263.67%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
18 Month Term Share Certificate
$0
4.00%
▲ 0.73% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
Bask 18-month CD
$1,000
4.00%
▲ 0.73% above Texas avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.73% above avgNationally 2.88%
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 for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
18 Month CD - Jumbo Term Share
$100,000
3.91%
▲ 0.64% above Texas avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.64% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.91% APY
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
18 Month Share Certificate Accounts - Share
$500
3.90%
▲ 0.63% above Texas avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.63% above avgNationally 2.88%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 9, 20263.90%▲ from 3.85%
- Oct 5, 20263.85%▲ from 3.75%
- Sep 25, 20263.75%▲ from 3.70%
- Sep 18, 20263.70%first recorded
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificate - 18 Months
$0
3.82%
▲ 0.55% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.55% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
18 Month Premium Term Share Certificate
$100
3.80%
▲ 0.53% above Texas avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 3 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Term Share CD - 18 month - PDA
$100
3.80%
▲ 0.53% above Texas avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.53% above avgNationally 2.88%
Details
Premium Deposit Account (PDA) dividend rate
Rate History
No change since Oct 12, 2026 · 3.80% APY
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1330 Gemini St, Houston, TX 77058
18 Month IRA Certificate
$1,000
3.75%
▲ 0.48% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded: Monthly
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1330 Gemini St, Houston, TX 77058
18 Month Share Certificate
$1,000
3.75%
▲ 0.48% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded: Monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
11391 Monroe Rd, Houston, TX 77075 4877
18 Month Share Certificate
$500
3.75%
▲ 0.48% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Balance: $500 Minimum Balance tier; Rates current as of 10/13/2026
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.43% above Texas avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1990 Post Oak Blvd, Houston, TX 77056
Certificates of Deposit (CD) - 18-Month
$0
3.70%
▲ 0.43% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.88%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
100 Dominion Park Dr, Houston, TX 77090 6716
18 Month Certificate
$1,000
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
18 Month Certificate
$0
3.65%
▲ 0.38% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 9, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
18 Month Elements CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
18 Month IRA CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
18 Month Kids Club and Teens CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
18 Month Kids Club CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
18 Month Standard CD
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club and Teens CDs - 18 months
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
Standard CDs - 18 months
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 9, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8980 Clearwood Dr, Houston, TX 77075
18 Month Certificate of Deposit
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Balance: $50,000 and over; Jumbo
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
- Oct 14, 20263.65%▲ from 3.55%
- Sep 18, 20263.55%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8980 Clearwood Dr, Houston, TX 77075
Certificate of Deposit - 18 Month (Jumbo)
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Jumbo; Balance: $50,000 and over
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8980 Clearwood Dr, Houston, TX 77075
IRA Certificate of Deposit - 18 Month
$0
3.65%
▲ 0.38% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Balance: $1,000 and over
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3207 Westpark Dr, Houston, TX 77005
18 Month 360 CD
$0
3.60%
▲ 0.33% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.88%
Details
CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3207 Westpark Dr, Houston, TX 77005
360 CD - 18 Months
$0
3.60%
▲ 0.33% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.88%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1600 Memorial Dr, Houston, TX 77007 7702
18 Month Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate - Jumbo
$100,000
3.56%
▲ 0.29% above Texas avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.29% above avgNationally 2.88%
Details
Type: Jumbo
Rate History
No change since Oct 12, 2026 · 3.56% APY
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1600 Memorial Dr, Houston, TX 77007 7702
Share Certificate - 18-month Jumbo
$100,000
3.56%
▲ 0.29% above Texas avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.29% above avgNationally 2.88%
Details
Jumbo
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 3 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Business Fixed Rate Certificates - 18 Month
$0
3.55%
▲ 0.28% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.28% above avgNationally 2.88%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate Certificate - 18 Month
$0
3.55%
▲ 0.28% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.28% above avgNationally 2.88%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1800 Post Oak Boulevard, Houston, TX 77056
18 Month CD
$100,000
3.55%
▲ 0.28% above Texas avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.28% above avgNationally 2.88%
Details
Certificates of Deposit ($100,000 or above); Must maintain a minimum balance of $100,000 to obtain the disclosed APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.55% / low 3.39%
- Sep 18, 20263.55%▲ from 3.39%
- Sep 14, 20263.39%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8980 Clearwood Dr, Houston, TX 77075
Certificate of Deposit - 18 Month
$0
3.55%
▲ 0.28% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.28% above avgNationally 2.88%
Details
Balance: $1,000 - $49,999.99
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX 77032
18 Month Certificate of Deposit
$1,000
3.51%
▲ 0.24% above Texas avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.24% above avgNationally 2.88%
Details
Investment Accounts (includes IRA CDs); Regular and IRA Certificates of Deposit; Balance: $1,000.00 to $49,999.99
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30%
- Oct 14, 20263.51%▲ from 3.30%
- Sep 18, 20263.30%first recorded
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
18 Mos. CD
$0
3.50%
▲ 0.23% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.88%
Details
includes IRA
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Jumbo Certificate Of Deposit (CD) - 18 Mos. CD (includes IRA)
$0
3.50%
▲ 0.23% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.27%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Houston 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
24 Month Jumbo Certificate of Deposit
$0
4.86%
▲ 1.64% above Texas avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.64% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.86% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
2 Year Certificate
$90,000
4.44%
▲ 1.22% above Texas avg
▼
Rate4.35%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.88%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
750 Town And Country Blvd, Houston, TX 77024
24 Month Certificate of Deposit (CD)
$0
4.40%
▲ 1.18% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
24 Month Share Certificate
$100,000
4.35%
▲ 1.13% above Texas avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 1.13% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
2 Year Certificate
$25,000
4.33%
▲ 1.11% above Texas avg
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.88%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.33% APY · checked 2 times
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1330 Post Oak Blvd Ste 100, Houston, TX 77056
Bask 24-month CD
$1,000
4.30%
▲ 1.08% above Texas avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.88%
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 for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2979 North Loop W, Houston, TX 77008
24-Month Certificate of Deposit
$0
4.25%
▲ 1.03% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details
Guaranteed rate of return on a Certificate of Deposit
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7915 Fm 1960 Rd W, Houston, TX 77070
24-Month CD
$1,000
4.25%
▲ 1.03% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details
Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 24 Month CD
$500
4.25%
▲ 1.03% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
24 Month Share Certificate
$500
4.25%
▲ 1.03% above Texas avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 13, 20264.25%▲ from 3.80%
- Oct 5, 20263.80%first recorded
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX 77032
2 Year Certificate of Deposit
$0
4.25%
▲ 1.03% above Texas avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details
Investment Accounts (includes IRA CDs); Regular and IRA Certificates of Deposit; Balance: Jumbo ($50K plus)
Rate History
2 changes since Sep 18, 2026 · 3.40% → 4.25% ▲ 0.85 pts · high 4.25% / low 3.40%
- Oct 14, 20264.25%▲ from 4.05%
- Sep 22, 20264.05%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
24-Month CD
$50,000
4.25%
▲ 1.03% above Texas avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.88%
Details
Est. earnings / $10K: ~$868; Total value: $10,868; APYs accurate as of May 1, 2026
Rate History
No change since Oct 1, 2026 · 4.25% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
2 Year Certificate
$1,000
4.23%
▲ 1.01% above Texas avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.88%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.23% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
2 Year IRA Certificates
$250,001
4.23%
▲ 1.01% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.23% ▲ 0.16 pts · high 4.23% / low 4.07%
- Sep 21, 20264.23%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX 77034
24 Month Callable CD
$0
4.20%
▲ 0.98% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details
Callable CD: may be redeemed by the credit union at its option, not in the first 90 days; minimum to open $50,000
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 2 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
24 Month Term Share Certificate
$0
4.20%
▲ 0.98% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.88%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
2 Year IRA Certificates
$100,001
4.18%
▲ 0.96% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.96% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.18% ▲ 0.16 pts · high 4.18% / low 4.02%
- Sep 21, 20264.18%▲ from 4.02%
- Sep 14, 20264.02%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
2 Year Business CD
$5,000
4.15%
▲ 0.93% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.88%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.15% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
2 Year IRA Certificates
$50,001
4.13%
▲ 0.91% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.91% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97%
- Sep 21, 20264.13%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
2 Year Share Certificates
$250,001
4.13%
▲ 0.91% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.91% above avgNationally 2.88%
Details
Share Certificates (2 year); Minimum Deposit tier: $250,001
Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Business Fixed Rate Certificates - 24 Month
$0
4.10%
▲ 0.88% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate Certificate - 24 Month
$0
4.10%
▲ 0.88% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA - 24 Month
$0
4.10%
▲ 0.88% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
24 Month Term Share Certificate
$0
4.10%
▲ 0.88% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.88%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
24 Month Share Certificate Accounts - IRA & Jumbo
$0
4.07%
▲ 0.85% above Texas avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 14, 2026 · 3.72% → 4.07% ▲ 0.35 pts · high 4.07% / low 3.72%
- Oct 13, 20264.07%▲ from 3.92%
- Sep 25, 20263.92%▲ from 3.87%
- Sep 18, 20263.87%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
2 Year IRA Certificates
$1,000
4.07%
▲ 0.85% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.07% ▲ 0.15 pts · high 4.07% / low 3.92%
- Sep 21, 20264.07%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
2 Year Share Certificates
$100,001
4.07%
▲ 0.85% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.88%
Details
Share Certificates (2 year); Minimum Deposit tier: $100,001
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 6 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
2 Year Share Certificates
$50,001
4.02%
▲ 0.80% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.80% above avgNationally 2.88%
Details
Share Certificates (2 year); Minimum Deposit tier: $50,001
Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 6 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
2 Year Jumbo Share Certificate
$0
4.02%
▲ 0.80% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.80% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.02% APY
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$95,000
3.97%
▲ 0.75% above Texas avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.75% above avgNationally 2.88%
Details
IRA; Minimum deposit tier: $95000
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 4 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
2 Year Share Certificates
$1,000
3.97%
▲ 0.75% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.75% above avgNationally 2.88%
Details
Share Certificates (2 year); Minimum Deposit tier: $1,000
Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Business Fixed Rate Certificates - 24 Month Step-Up
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.88%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Oct 14, 2026 · 3.95% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate Certificate - 24 Month Step-Up
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.88%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Oct 14, 2026 · 3.95% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA - 24 Month Step-Up
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.88%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
24 Month Share Certificate Accounts - Share
$500
3.95%
▲ 0.73% above Texas avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.88%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 9, 20263.95%▲ from 3.90%
- Oct 5, 20263.90%▲ from 3.80%
- Sep 25, 20263.80%▲ from 3.75%
- Sep 18, 20263.75%first recorded
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificate - 2 Year
$0
3.92%
▲ 0.70% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
2 Year Regular, IRA & Business Jumbo Certificates
$0
3.89%
▲ 0.67% above Texas avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.67% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60%
- Oct 1, 20263.89%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$500
3.87%
▲ 0.65% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.65% above avgNationally 2.88%
Details
IRA
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 4 times
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
1800 Space Park Dr, Houston, TX 77058
24 Month Certificate
$1,000
3.85%
▲ 0.63% above Texas avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
24 Month IRA Jumbo Term Certificate
$95,000
3.85%
▲ 0.63% above Texas avg
▼
Rate3.80%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details
Dividends compounded quarterly, credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period; Fixed rate; Available as Traditional and Roth
Rate History
No change since Oct 13, 2026 · 3.85% APY
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
Certificate Account - 24 Months
$1,000
3.85%
▲ 0.63% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details
Fixed; Dividends compounded quarterly; Dividends credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
Rate History
No change since Oct 13, 2026 · 3.85% APY
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
Jumbo Certificate Account - 24 Months
$95,000
3.85%
▲ 0.63% above Texas avg
▼
Rate3.78%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details
Fixed; Dividends compounded Monthly; Dividends credited Monthly; Early withdrawal: At Maturity, up to 180 days dividends; Renewals: Automatic with 10 day grace period
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 1, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
Traditional Certificate Account - 24 Months
$1,000
3.85%
▲ 0.63% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.88%
Details
Dividends compounded quarterly; credited quarterly; additional deposits: at maturity; early withdrawal penalty: up to 180 days dividends; renewals: automatic with 10 day grace period; IRA Term Certificate (Available as both Traditional and Roth)
Rate History
No change since Oct 13, 2026 · 3.85% APY
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$95,000
3.82%
▲ 0.60% above Texas avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.22%▲ 0.60% above avgNationally 2.88%
Details
Minimum deposit tier: $95000
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX 77019
IRA & Share Certificate - 1 1/2 Year Certificate
$0
3.81%
▲ 0.59% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.59% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.81% APY
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX 77019
IRA & Share Certificate - 2 1/2 Year Certificate
$0
3.81%
▲ 0.59% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.59% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.81% APY
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX 77019
IRA & Share Certificate - 2 Year Certificate
$0
3.81%
▲ 0.59% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.59% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
2 Year Regular, IRA & Business Junior Jumbo Certificates
$0
3.78%
▲ 0.56% above Texas avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.22%▲ 0.56% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49%
- Oct 1, 20263.78%▲ from 3.49%
- Sep 18, 20263.49%first recorded
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
24 Month IRA Share Certificate
$0
3.75%
▲ 0.53% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.88%
Details
Balance: $500,000.01 or greater; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
24 Month Share Certificate
$0
3.75%
▲ 0.53% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.88%
Details
Balance: $500,000.01 or greater; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Houston 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
36 Month Jumbo Certificate of Deposit
$0
4.96%
▲ 1.82% above Texas avg
▼
Rate4.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.82% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.96% APY · checked 2 times
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
1800 Space Park Dr, Houston, TX 77058
36 Month Certificate
$1,000
4.50%
▲ 1.36% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 4, 20264.50%▲ from 4.20%
- Sep 25, 20264.20%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Year Business CD
$5,000
4.50%
▲ 1.36% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.81%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
3 Year Certificate
$90,000
4.49%
▲ 1.35% above Texas avg
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.35% above avgNationally 2.81%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
36 Month Share Certificate
$100,000
4.40%
▲ 1.26% above Texas avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.26% above avgNationally 2.81%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
3 Year Certificate
$25,000
4.39%
▲ 1.25% above Texas avg
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.25% above avgNationally 2.81%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
36 Month Share Certificate
$500
4.30%
▲ 1.16% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
3 Year Certificate
$1,000
4.28%
▲ 1.14% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 1.14% above avgNationally 2.81%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 36 Month CD
$500
4.25%
▲ 1.11% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24%
▲ 1.10% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.10% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
- Oct 1, 20264.24%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 year)
$250,001
4.23%
▲ 1.09% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.09% above avgNationally 2.81%
Details
Rate History
No change since Sep 21, 2026 · 4.23% APY · checked 6 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
36 Month Term Share Certificate
$0
4.20%
▲ 1.06% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.81%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 year)
$100,001
4.18%
▲ 1.04% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.04% above avgNationally 2.81%
Details
Rate History
No change since Sep 21, 2026 · 4.18% APY · checked 6 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
36 Month Share Certificate Accounts - IRA & Jumbo
$0
4.17%
▲ 1.03% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 1.03% above avgNationally 2.81%
Details
Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.17% ▲ 0.35 pts · high 4.17% / low 3.82%
- Oct 13, 20264.17%▲ from 4.02%
- Sep 25, 20264.02%▲ from 3.97%
- Sep 18, 20263.97%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.01% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.01% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
3 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.14%
▲ 1.00% above Texas avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.00% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
- Oct 1, 20264.14%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 year)
$50,001
4.13%
▲ 0.99% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.99% above avgNationally 2.81%
Details
Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 6 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 year)
$250,001
4.13%
▲ 0.99% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.99% above avgNationally 2.81%
Details
Dividend Rate 4.05%; APY 4.13%
Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 0.96% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
36 Month Term Share Certificate
$0
4.10%
▲ 0.96% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.81%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$95,000
4.07%
▲ 0.93% above Texas avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.93% above avgNationally 2.81%
Details
IRA; Minimum deposit tier: $95000
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (3 year)
$1,000
4.07%
▲ 0.93% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.93% above avgNationally 2.81%
Details
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 6 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 year)
$100,001
4.07%
▲ 0.93% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.93% above avgNationally 2.81%
Details
Dividend Rate 4.00%; APY 4.07%
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 6 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
36 Month Share Certificate Accounts - Share
$500
4.05%
▲ 0.91% above Texas avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.91% above avgNationally 2.81%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Oct 9, 20264.05%▲ from 4.00%
- Oct 5, 20264.00%▲ from 3.90%
- Sep 25, 20263.90%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
3 Year Regular, IRA & Business Certificates
$0
4.03%
▲ 0.89% above Texas avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.89% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70%
- Oct 1, 20264.03%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 year)
$50,001
4.02%
▲ 0.88% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.88% above avgNationally 2.81%
Details
Dividend Rate 3.95%; APY 4.02%
Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 6 times
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$500
3.97%
▲ 0.83% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.83% above avgNationally 2.81%
Details
IRA
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 4 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 year)
$1,000
3.97%
▲ 0.83% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.83% above avgNationally 2.81%
Details
Dividend Rate 3.90%; APY 3.97%
Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 6 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
3 Year Jumbo Share Certificate
$0
3.97%
▲ 0.83% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.83% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.97% APY
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX 77032
3 Year Certificate of Deposit
$0
3.95%
▲ 0.81% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.81% above avgNationally 2.81%
Details
Investment Accounts (includes IRA CDs); Regular and IRA Certificates of Deposit; Balance: Jumbo ($50K plus)
Rate History
2 changes since Sep 18, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
- Oct 14, 20263.95%▲ from 3.60%
- Sep 22, 20263.60%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$95,000
3.92%
▲ 0.78% above Texas avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.78% above avgNationally 2.81%
Details
Minimum deposit tier: $95000
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 6 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
9211 Jones Rd, Houston, TX 77065
36 Month IRA Certificate
$500
3.92%
▲ 0.78% above Texas avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.78% above avgNationally 2.81%
Details
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Penalty may be imposed for early withdrawal prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
3 Year Jumbo Step Up Certificates
$0
3.87%
▲ 0.73% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.73% above avgNationally 2.81%
Details
Step Up Certificate; not available for IRAs
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificate - 3 Year
$0
3.87%
▲ 0.73% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.73% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.85%
▲ 0.71% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.71% above avgNationally 2.81%
Details
Balance: $500,000.01 or greater; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
36 Month Share Certificate
$0
3.85%
▲ 0.71% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.71% above avgNationally 2.81%
Details
Balance: $500,000.01 or greater; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$500
3.82%
▲ 0.68% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.14%▲ 0.68% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX 77019
IRA & Share Certificate - 3 Year Certificate
$0
3.81%
▲ 0.67% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.67% above avgNationally 2.81%
Details
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
3 Year Step Up Share Certificate
$0
3.76%
▲ 0.62% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.62% above avgNationally 2.81%
Details
Not available for IRAs
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 7 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.75%
▲ 0.61% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Balance: $100,000.01 - $500,000.00; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
36 Month Share Certificate
$0
3.75%
▲ 0.61% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Balance: $100,000.01 - $500,000.00; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
36 Month IRA Jumbo Term Certificate
$95,000
3.75%
▲ 0.61% above Texas avg
▼
Rate3.70%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Dividends compounded quarterly, credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period; Fixed rate; Available as Traditional and Roth
Rate History
No change since Oct 13, 2026 · 3.75% APY
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
Certificate Account - 36 Months
$1,000
3.75%
▲ 0.61% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Fixed; Dividends compounded quarterly; Dividends credited quarterly; Additional deposits: At Maturity; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
Rate History
No change since Oct 13, 2026 · 3.75% APY
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
Jumbo Certificate Account - 36 Months
$95,000
3.75%
▲ 0.61% above Texas avg
▼
Rate3.69%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Fixed; Dividends compounded Monthly; Dividends credited Monthly; Early withdrawal: At Maturity, up to 180 days dividends; Renewals: Automatic with 10 day grace period
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 1, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
19626 Saums Rd, Houston, TX 77084
Traditional Certificate Account - 36 Months
$1,000
3.75%
▲ 0.61% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Dividends compounded quarterly; credited quarterly; additional deposits: at maturity; early withdrawal penalty: up to 180 days dividends; renewals: automatic with 10 day grace period; IRA Term Certificate (Available as both Traditional and Roth)
Rate History
No change since Oct 13, 2026 · 3.75% APY
US Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9700 Richmond Ave, Houston, TX 77042
36 Month Certificate of Deposit
$0
3.75%
▲ 0.61% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Amount: $2,500; Penalties may be imposed for early withdrawal
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month IRA
$0
3.75%
▲ 0.61% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit - 36-month Tier Jumbo
$0
3.75%
▲ 0.61% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
11391 Monroe Rd, Houston, TX 77075 4877
36 Month Share Certificate
$500
3.75%
▲ 0.61% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Balance: $500 Minimum Balance tier; Rates current as of 10/13/2026
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.70%
▲ 0.56% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.14%▲ 0.56% above avgNationally 2.81%
Details
Balance: $50,000.01 - $100,000.00; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
Houston 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.60%
▲ 1.56% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.56% above avgNationally 2.80%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.60% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.50%
▲ 1.46% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.46% above avgNationally 2.80%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
4 Year Certificate
$90,000
4.49%
▲ 1.45% above Texas avg
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.45% above avgNationally 2.80%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47%
▲ 1.43% above Texas avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.43% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
- Oct 1, 20264.47%▲ from 4.12%
- Sep 18, 20264.12%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
48 Month Share Certificate
$100,000
4.40%
▲ 1.36% above Texas avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.80%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.40%
▲ 1.36% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.80%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.40% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
4 Year Certificate
$25,000
4.39%
▲ 1.35% above Texas avg
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.35% above avgNationally 2.80%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36%
▲ 1.32% above Texas avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
- Oct 1, 20264.36%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
48 Month Share Certificate
$500
4.30%
▲ 1.26% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.30%
▲ 1.26% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.80%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.30% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
4 Year Certificate
$1,000
4.28%
▲ 1.24% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.80%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
4 Year Regular, IRA & Business Certificates
$0
4.26%
▲ 1.22% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
- Oct 1, 20264.26%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.22%
▲ 1.18% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.18% above avgNationally 2.80%
Details
Rate History
3 changes since Sep 14, 2026 · 3.87% → 4.22% ▲ 0.35 pts · high 4.22% / low 3.87%
- Oct 13, 20264.22%▲ from 4.07%
- Sep 25, 20264.07%▲ from 4.02%
- Sep 18, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
48 Month Term Share Certificate
$0
4.20%
▲ 1.16% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.80%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
48 Month Share Certificate Accounts - Share
$500
4.10%
▲ 1.06% above Texas avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.80%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 9, 20264.10%▲ from 4.05%
- Oct 5, 20264.05%▲ from 3.95%
- Sep 25, 20263.95%▲ from 3.90%
- Sep 18, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
48 Month Term Share Certificate
$0
4.10%
▲ 1.06% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.80%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (4 year)
$250,001
4.02%
▲ 0.98% above Texas avg
▼
Rate3.95%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.98% above avgNationally 2.80%
Details
IRA Certificate; Rates applicable 10/07/2026 - 10/13/2026
Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 5 times
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
1800 Space Park Dr, Houston, TX 77058
48 Month Certificate
$1,000
4.00%
▲ 0.96% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.04%▲ 0.96% above avgNationally 2.80%
Details
Rate History
1 change since Sep 25, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.00%▼ from 4.25%
- Sep 25, 20264.25%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (4 year)
$100,001
3.97%
▲ 0.93% above Texas avg
▼
Rate3.90%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.93% above avgNationally 2.80%
Details
IRA Certificate; Rates applicable 10/07/2026 - 10/13/2026
Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
9211 Jones Rd, Houston, TX 77065
48 Month IRA Certificate
$500
3.97%
▲ 0.93% above Texas avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.93% above avgNationally 2.80%
Details
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Penalty may be imposed for early withdrawal prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.97% ▲ 0.41 pts · high 3.97% / low 3.56%
- Oct 10, 20263.97%▲ from 3.56%
- Sep 14, 20263.56%first recorded
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
4 Year Jumbo Share Certificate
$0
3.97%
▲ 0.93% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.93% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 3.97% APY
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX 77032
4 Year Certificate of Deposit
$0
3.95%
▲ 0.91% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.91% above avgNationally 2.80%
Details
Investment Accounts (includes IRA CDs); Regular and IRA Certificates of Deposit; Balance: Jumbo ($50K plus)
Rate History
2 changes since Sep 18, 2026 · 3.55% → 3.95% ▲ 0.40 pts · high 3.95% / low 3.55%
- Oct 14, 20263.95%▲ from 3.70%
- Sep 22, 20263.70%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (4 year)
$50,001
3.92%
▲ 0.88% above Texas avg
▼
Rate3.85%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.88% above avgNationally 2.80%
Details
IRA Certificate; Rates applicable 10/07/2026 - 10/13/2026
Rate History
No change since Sep 21, 2026 · 3.92% APY · checked 5 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$250,001
3.92%
▲ 0.88% above Texas avg
▼
Rate3.85%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.88% above avgNationally 2.80%
Details
Rates applicable 10/07/2026 - 10/13/2026
Rate History
No change since Sep 21, 2026 · 3.92% APY · checked 6 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.90%
▲ 0.86% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.86% above avgNationally 2.80%
Details
Balance: $500,000.01 or greater; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.90%
▲ 0.86% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.86% above avgNationally 2.80%
Details
Balance: $500,000.01 or greater; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (4 year)
$1,000
3.87%
▲ 0.83% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.83% above avgNationally 2.80%
Details
IRA Certificate; Rates applicable 10/07/2026 - 10/13/2026
Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 5 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$100,001
3.87%
▲ 0.83% above Texas avg
▼
Rate3.80%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.83% above avgNationally 2.80%
Details
Rates applicable 10/07/2026 - 10/13/2026
Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 6 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
4 Year Jumbo Step Up Certificates
$0
3.87%
▲ 0.83% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.83% above avgNationally 2.80%
Details
Step Up Certificate; not available for IRAs
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificate - 4 Year
$0
3.87%
▲ 0.83% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.83% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.85%
▲ 0.81% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.81% above avgNationally 2.80%
Details
Balance: $100,000.01 - $500,000.00; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.85%
▲ 0.81% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.81% above avgNationally 2.80%
Details
Balance: $100,000.01 - $500,000.00; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$50,001
3.82%
▲ 0.78% above Texas avg
▼
Rate3.75%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.78% above avgNationally 2.80%
Details
Rates applicable 10/07/2026 - 10/13/2026
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 6 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX 77019
IRA & Share Certificate - 4 Year Certificate
$0
3.81%
▲ 0.77% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.77% above avgNationally 2.80%
Details
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.80%
▲ 0.76% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.76% above avgNationally 2.80%
Details
Balance: $50,000.01 - $100,000.00; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.80%
▲ 0.76% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.76% above avgNationally 2.80%
Details
Balance: $50,000.01 - $100,000.00; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month IRA
$0
3.80%
▲ 0.76% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.76% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 3.80% ▼ 0.05 pts · high 3.85% / low 3.80%
- Oct 10, 20263.80%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit - 48-month Tier Jumbo
$0
3.80%
▲ 0.76% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.76% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 3.80% ▼ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.80%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$1,000
3.76%
▲ 0.72% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.72% above avgNationally 2.80%
Details
Rates applicable 10/07/2026 - 10/13/2026
Rate History
No change since Sep 21, 2026 · 3.76% APY · checked 6 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
4 Year Step Up Share Certificate
$0
3.76%
▲ 0.72% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.72% above avgNationally 2.80%
Details
Not available for IRAs
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 7 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.75%
▲ 0.71% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details
Balance: $25,000.01 - $50,000.00; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.75%
▲ 0.71% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details
Balance: $25,000.01 - $50,000.00; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit - 48-month Tier Mini Jumbo
$0
3.75%
▲ 0.71% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.75% ▼ 0.05 pts · high 3.80% / low 3.75%
- Oct 14, 20263.75%▼ from 3.80%
- Sep 14, 20263.80%first recorded
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
11391 Monroe Rd, Houston, TX 77075 4877
48 Month Share Certificate
$500
3.75%
▲ 0.71% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details
Balance: $500 Minimum Balance tier; Rates current as of 10/13/2026
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX 77017 5064
48 Month Term Share Certificates / IRA Certificates (Jumbo)
$75,000
3.75%
▲ 0.71% above Texas avg
▼
Rate3.70%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details
Jumbo; Penalties may apply for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX 77017 5064
Term Share Certificates / IRA Certificates (Jumbo) - 48 months
$75,000
3.75%
▲ 0.71% above Texas avg
▼
Rate3.70%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.71% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
9211 Jones Rd, Houston, TX 77065
48 Month Regular Certificate
$0
3.71%
▲ 0.67% above Texas avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.67% above avgNationally 2.80%
Details
APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.71% ▲ 0.41 pts · high 3.71% / low 3.30%
- Oct 10, 20263.71%▲ from 3.30%
- Sep 14, 20263.30%first recorded
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Business Fixed Rate Certificates - 48 Month
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate Certificate - 48 Month
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
7000 Fannin St, Houston, TX 77030
Fixed-Rate IRA - 48 Month
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Houston 60 Month CD Rates
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%
845 N Eldridge Pkwy, Houston, TX 77079
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87%
▲ 1.77% above Texas avg
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.77% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
- Oct 1, 20264.87%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76%
▲ 1.66% above Texas avg
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.66% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
- Oct 1, 20264.76%▲ from 4.39%
- Sep 18, 20264.39%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.70%
▲ 1.60% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.60% above avgNationally 2.91%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.70% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
845 N Eldridge Pkwy, Houston, TX 77079
5 Year Regular, IRA & Business Certificates
$0
4.66%
▲ 1.56% above Texas avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.56% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
- Oct 1, 20264.66%▲ from 4.28%
- Sep 18, 20264.28%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.60%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.50% above avgNationally 2.91%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.60% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.50%
▲ 1.40% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX 77034
60 Month Callable CD
$0
4.50%
▲ 1.40% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.40% above avgNationally 2.91%
Details
Callable CD: may be redeemed by the credit union at its option, not in the first 90 days; minimum to open $50,000
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
5 Year Certificate
$90,000
4.49%
▲ 1.39% above Texas avg
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.39% above avgNationally 2.91%
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
60 Month Share Certificate
$100,000
4.40%
▲ 1.30% above Texas avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.30% above avgNationally 2.91%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.40%
▲ 1.30% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.30% above avgNationally 2.91%
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.40% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
5 Year Certificate
$25,000
4.39%
▲ 1.29% above Texas avg
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.29% above avgNationally 2.91%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
60 Month Term Share Certificate
$0
4.35%
▲ 1.25% above Texas avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.25% above avgNationally 2.91%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 10, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
60 Month Share Certificate Accounts - IRA & Jumbo
$0
4.32%
▲ 1.22% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.22% above avgNationally 2.91%
Details
Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.32% ▲ 0.35 pts · high 4.32% / low 3.97%
- Oct 13, 20264.32%▲ from 4.17%
- Sep 25, 20264.17%▲ from 4.12%
- Sep 18, 20264.12%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
60 Month Share Certificate
$500
4.30%
▲ 1.20% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.20% above avgNationally 2.91%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2315 Mangum Rd, Houston, TX 77092
5 Year Certificate
$1,000
4.28%
▲ 1.18% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 1.18% above avgNationally 2.91%
Details
Mini- Jumbo/Min. $25,000
Rate History
No change since Oct 8, 2026 · 4.28% APY · checked 2 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 60 Month CD
$500
4.25%
▲ 1.15% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5305 Bingle Rd, Houston, TX 77092 2102
60 Month Term Share Certificate
$0
4.25%
▲ 1.15% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 1.15% above avgNationally 2.91%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
60 Month Share Certificate Accounts - Share
$500
4.20%
▲ 1.10% above Texas avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 1.10% above avgNationally 2.91%
Details
Dividend Rate; $500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 9, 20264.20%▲ from 4.15%
- Oct 5, 20264.15%▲ from 4.05%
- Sep 25, 20264.05%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Resource One Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
9211 Jones Rd, Houston, TX 77065
60 Month IRA Certificate
$500
4.07%
▲ 0.97% above Texas avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.97% above avgNationally 2.91%
Details
APY= Annual Percentage Yield. Minimum balance to open IRA Certificate is $500.00. Penalty may be imposed for early withdrawal prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.51% → 4.07% ▲ 0.56 pts · high 4.07% / low 3.51%
- Oct 10, 20264.07%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (5 year)
$250,001
4.02%
▲ 0.92% above Texas avg
▼
Rate3.95%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.92% above avgNationally 2.91%
Details
Minimum deposit tier $250,001; Dividend Rate 3.95%; APY 4.02%
Rate History
No change since Oct 5, 2026 · 4.02% APY · checked 2 times
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
1800 Space Park Dr, Houston, TX 77058
60 Month Certificate
$1,000
4.00%
▲ 0.90% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Texas Average3.10%▲ 0.90% above avgNationally 2.91%
Details
Rate History
1 change since Sep 25, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.00%▼ from 4.25%
- Sep 25, 20264.25%first recorded
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
4.00%
▲ 0.90% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.90% above avgNationally 2.91%
Details
Balance: $500,000.01 or greater; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
4.00%
▲ 0.90% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.90% above avgNationally 2.91%
Details
Balance: $500,000.01 or greater; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4411 S Wayside Dr, Houston, TX 77087 1109
5-Year Certificate of Deposit
$1,000
4.00%
▲ 0.90% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.90% above avgNationally 2.91%
Details
Fixed 4.00% APY for 60 months per disclosure; page headline also states APY as high as 3.75% on a 60-month Tier (conflicting figures on page); minimum opening deposit and minimum balance to earn stated APY $1,000; early withdrawal penalty 270 days' interest on 60-month certificates; renews automatically at maturity
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (5 year)
$100,001
3.97%
▲ 0.87% above Texas avg
▼
Rate3.90%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.87% above avgNationally 2.91%
Details
Minimum deposit tier $100,001; Dividend Rate 3.90%; APY 3.97%
Rate History
No change since Oct 5, 2026 · 3.97% APY · checked 2 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
5 Year Jumbo Share Certificate
$0
3.97%
▲ 0.87% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.87% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.97% APY
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Balance: $100,000.01 - $500,000.00; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Balance: $100,000.01 - $500,000.00; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
60 Month Certificate
$0
3.95%
▲ 0.85% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Oct 9, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
60 Month Elements CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
60 Month IRA CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
60 Month Kids Club and Teens CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Sep 18, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
60 Month Kids Club CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Sep 18, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
60 Month Standard CD
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Sep 18, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
Kids Club and Teens CDs - 60 months
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Sep 18, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2000 Post Oak Blvd, Houston, TX 77056
Standard CDs - 60 months
$0
3.95%
▲ 0.85% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Texas Average3.10%▲ 0.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Oct 9, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (5 year)
$50,001
3.92%
▲ 0.82% above Texas avg
▼
Rate3.85%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.82% above avgNationally 2.91%
Details
Minimum deposit tier $50,001; Dividend Rate 3.85%; APY 3.92%
Rate History
No change since Oct 5, 2026 · 3.92% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (5 year)
$250,001
3.92%
▲ 0.82% above Texas avg
▼
Rate3.85%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.82% above avgNationally 2.91%
Details
Rate History
No change since Sep 21, 2026 · 3.92% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.80% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.90%
▲ 0.80% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details
Balance: $50,000.01 - $100,000.00; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.90%
▲ 0.80% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details
Balance: $50,000.01 - $100,000.00; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX 77034
60 Month Share Certificate
$0
3.90%
▲ 0.80% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details
Balance tier: $50,000.00 and up; Jumbo Share Certificate minimum $50,000
Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
- Oct 14, 20263.90%▼ from 3.95%
- Sep 18, 20263.95%first recorded
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX 77032
5 Year Certificate of Deposit
$0
3.90%
▲ 0.80% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.80% above avgNationally 2.91%
Details
Investment Accounts (includes IRA CDs); Regular and IRA Certificates of Deposit; Balance: Jumbo ($50K plus)
Rate History
2 changes since Sep 18, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 14, 20263.90%▲ from 3.75%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (5 year)
$1,000
3.87%
▲ 0.77% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.77% above avgNationally 2.91%
Details
Minimum deposit tier $1,000; Dividend Rate 3.80%; APY 3.87%
Rate History
No change since Oct 5, 2026 · 3.87% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (5 year)
$100,001
3.87%
▲ 0.77% above Texas avg
▼
Rate3.80%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.77% above avgNationally 2.91%
Details
Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 5 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
5 Year Jumbo Step Up Certificates
$0
3.87%
▲ 0.77% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.77% above avgNationally 2.91%
Details
Step Up Certificate; not available for IRAs
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificate - 5 Year
$0
3.87%
▲ 0.77% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.77% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
680 Meyerland Plaza Mall, Houston, TX 77096
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.75% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.10%▲ 0.75% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.85%
▲ 0.75% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.75% above avgNationally 2.91%
Details
Balance: $25,000.01 - $50,000.00; Posting: Quarterly
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.85%
▲ 0.75% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Texas Average3.10%▲ 0.75% above avgNationally 2.91%
Details
Balance: $25,000.01 - $50,000.00; Posting Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Houston, TX CD Rate Trends
Compare local Houston, 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.
12-Month CD TX Avg
3.382%
▲ 0.016 vs 7 days ago
Texas 12-month CD rates rose 0.016 points over the past 7 days to 3.382% APY.
6-Month CD TX Avg
3.253%
▲ 0.021 vs 7 days ago
Texas 6-month CD rates rose 0.021 points over the past 7 days to 3.253% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
3.382%
6-Month Forecast
3.382%
Range: 3.18%, 3.53%
12-Month Forecast
3.632%
Range: 3.43%, 3.78%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.495% | $124.77 | $249.53 | $623.82 | $1,247.65 |
| 6-Month CD | 3.253% | $162.67 | $325.34 | $813.35 | $1,626.70 |
| 12-Month CD | 3.382% | $169.10 | $338.20 | $845.50 | $1,691.00 |
| 18-Month CD | 3.268% | $163.42 | $326.83 | $817.07 | $1,634.15 |
| 24-Month CD | 3.221% | $161.05 | $322.11 | $805.27 | $1,610.55 |
| 36-Month CD | 3.141% | $157.02 | $314.05 | $785.12 | $1,570.25 |
| 48-Month CD | 3.038% | $151.91 | $303.82 | $759.55 | $1,519.10 |
| 60-Month CD | 3.097% | $154.83 | $309.66 | $774.15 | $1,548.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Houston, 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.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.495% | $124.77 |
| 2 | 6-Month CD | $5,000 | 3.253% | $162.67 |
| 3 | 12-Month CD | $5,000 | 3.382% | $169.10 |
| 4 | 24-Month CD | $5,000 | 3.221% | $161.05 |
| 5 | 36-Month CD | $5,000 | 3.141% | $157.02 |
| Total ($25,000 invested) | $25,000 | 3.098% blended | $774.61/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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3,533
CD Rates
Tracked in Houston, Texas
Tracked in Houston, Texas
25 Banks
48 Credit Unions
About Our Houston, Texas CD Rate Database
MonitorBankRates tracks 3,533 CD rates from 25 banks and 48 credit unions with locations in Houston, 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: FIRST EAGLE offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Houston, Texas.
How to Find the Best CD Rates in Houston, Texas
What to compare when shopping for a CD in Houston, Texas
To find the best APYs in Houston, Texas, start with credit unions and online-only banks: Houston, Texas has 48 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 Houston, 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 Houston, Texas: 73 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Houston, Texas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Houston, Texas money market rates
Houston, Texas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.3%
National avg: 17.3%
Median Individual Earnings
$39,664
National avg: $47,340
Poverty Rate
19.9%
National avg: 11.1%
Unemployment Rate
6.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At TX 12-mo avg 3.382% APY
12.3% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s TX 12-month CD average of 3.382%, saving 10% of the local median salary ($3,966/year) and putting it in a CD would earn an additional $134 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 Houston, Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Houston, Texas
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Houston, 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 Houston, Texas as everywhere in the U.S.
Choosing a CD Term in Houston, Texas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Houston, Texas savers easier access to their funds. For example, Gulf Capital Bank is offering its 6 Month Jumbo Certificate of Deposit at 4.54% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its 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 for Houston, Texas Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Houston, Texas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Houston, Texas
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Houston, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Houston, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Houston, 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 Houston, Texas
Are CD rates in Houston, Texas FDIC insured?
Yes, most established banks in Houston, 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 Houston, 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 Houston, 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 Houston, 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 Houston, Texas?
Here are recent top rates found for this area:
- FIRST EAGLE: 5.00% APY (Share Certificate Special - 1 Year Certificate)
- Gulf Capital Bank: 4.96% APY (36 Month Jumbo Certificate of Deposit)
- Advancial Federal Credit Union: 4.87% APY (5 Year Regular, IRA & Business Jumbo Certificates)
- First Community Credit Union Houston, TX: 4.70% APY (5 Year Business CD)
- Amoco Federal Credit Union: 4.50% APY (36 Month Certificate)
- Texas Bay Credit Union: 4.50% APY (60 Month Callable CD)
- Heritage Hub Federal Credit Union: 4.50% APY (6 Month Certificates of Deposit)
- Members Trust of the Southwest Federal Credit Union: 4.49% APY (3 Year Certificate)
- Chevron Federal Credit Union: 4.40% APY (36 Month Share Certificate)
- Vio Bank: 4.40% APY (24 Month Certificate of Deposit (CD))
Rates reflect recent verified offers available in Houston, Texas. Last Updated: October 14, 2026
Houston, 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 Houston, 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.
CD Calculators for Houston, Texas
Houston, Texas CD Calculator
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.
Houston, Texas CD LadderTX CD rates currently range from 2.495% (3-month) to 3.141% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Houston, Texas CD at 5.00% 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 SavingsTexas’s average 12-month CD is 3.382% 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 Houston, 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 Houston, 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 Houston, 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 14, 2026
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