Houston, Texas Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Houston, Texas CD rates include Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX 77034A5.0 ★Texas Ratio: 7.72%Real return: +1.70%APY minus CPI (February 2026) offering Callable CD 60 Months at 4.50% APY, Gulf Capital BankGulf Capital Bank1 Riverway, Houston, TX 77056A5.0 ★Texas Ratio: 8.95%Real return: +1.69%APY minus CPI (February 2026) offering 36 Months at 4.49% APY, Members Trust of the Southwest Federal Credit UnionMembers Trust of the Southwest Federal Credit Union2315 Mangum Rd, Houston, TX 77092A+5.0 ★Texas Ratio: 2.31%Real return: +1.48%APY minus CPI (February 2026) offering 2 Years at 4.28% APY, Crescent BankCrescent Bank7915 Fm 1960 Rd W, Houston, TX 77070C4.0 ★Texas Ratio: 27.16%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, and Amoco Federal Credit UnionAmoco Federal Credit Union1800 Space Park Dr, Houston, TX 77058A5.0 ★Texas Ratio: 5.99%Real return: +1.35%APY minus CPI (February 2026) offering Business Certificate 36 Months / 3 Years at 4.15% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Houston has 549 local institutions in our database, with CD rates as high as 4.50% APY from Texas Bay Credit Union at 12611 Fuqua St, Houston, TX 77034. 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 — 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: August 28, 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:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
90 Days
$0
4.13%
▲ 2.69% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.69% above avgNationally 1.96%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 months)
$100,001
3.92%
▲ 2.48% above Texas avg
▼
Rate3.85%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.48% above avgNationally 1.96%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 months)
$50,001
3.87%
▲ 2.43% above Texas avg
▼
Rate3.80%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.43% above avgNationally 1.96%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (3 months)
$1,000
3.82%
▲ 2.38% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.38% above avgNationally 1.96%
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
90 Day
$0
3.80%
▲ 2.36% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.36% above avgNationally 1.96%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
3-Month CD
$0
3.75%
▲ 2.31% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.31% above avgNationally 1.96%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day
$0
3.60%
▲ 2.16% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.16% above avgNationally 1.96%
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day Jumbo CD
$0
3.60%
▲ 2.16% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.16% above avgNationally 1.96%
Details
Jumbo CDs are for $500,000 and over. Annual Percentage Yield effective as of 08/24/2026. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day
$0
3.35%
▲ 1.91% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
3 Month Certificate
$0
3.30%
▲ 1.86% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.86% above avgNationally 1.96%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
3 Month
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
Business 3 Month
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
90 Day
$0
3.05%
▲ 1.61% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.61% above avgNationally 1.96%
Details
Amerant Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
750 Town And Country Blvd Ste 100, Houston, TX 77024
3 Months
$0
3.00%
▲ 1.56% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.56% above avgNationally 1.96%
Details
FL
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Jumbo Term Share Certificate (CD) 90 day
$100,000
2.88%
▲ 1.44% above Texas avg
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.44% above avgNationally 1.96%
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
3 Months Share Certificate
$1,000
2.84%
▲ 1.40% above Texas avg
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.40% above avgNationally 1.96%
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
90 Day CD
$0
2.80%
▲ 1.36% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.36% above avgNationally 1.96%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
90 day
$100
2.78%
▲ 1.34% above Texas avg
▼
Rate2.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.34% above avgNationally 1.96%
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
3-Month Business Certificate Account
$0
2.75%
▲ 1.31% above Texas avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.31% above avgNationally 1.96%
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 3-Month
$0
2.75%
▲ 1.31% above Texas avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.31% above avgNationally 1.96%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
90 day
$100
2.27%
▲ 0.83% above Texas avg
▼
Rate2.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 0.83% above avgNationally 1.96%
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 3 months
$0
1.51%
▲ 0.07% above Texas avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 0.07% above avgNationally 1.96%
Details
Rates as of August 26, 2026. Rates are subject to change without notice.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
3 Months
$1,000
1.25%
▼ 0.19% below Texas avg
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 0.19% below avgNationally 1.96%
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Jumbo Term Certificates 3 Months
$95,000
1.25%
▼ 0.19% below Texas avg
▼
Rate1.24%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 0.19% below avgNationally 1.96%
Details
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
Jumbo Certificate Account - 3 Months
$95,000
1.25%
▼ 0.19% below Texas avg
▼
Rate1.24%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 0.19% below avgNationally 1.96%
Details
Fixed; Dividends Compounded: Monthly; Dividends Credited: Monthly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
3 month
$500
1.02%
▼ 0.42% below Texas avg
▼
Rate1.01%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 0.42% below avgNationally 1.96%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 3 Months
$1,000
0.75%
▼ 0.69% below Texas avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 0.69% below avgNationally 1.96%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 3 Months
$1,000
0.75%
▼ 0.69% below Texas avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 0.69% below avgNationally 1.96%
Details
JUMBO $95,000+
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX 77056
90 Days
$0
0.11%
▼ 1.33% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 1.33% below avgNationally 1.96%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.38% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 1.38% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.38% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 1.38% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.39% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 1.39% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3601 Eastex Fwy, Houston, TX 77026
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.39% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▼ 1.39% below avgNationally 1.96%
Details
Relationship Interest Rate 0.06%
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00%
▲ 2.56% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.56% above avgNationally 1.96%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day
$1,000
3.90%
▲ 2.46% above Texas avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.46% above avgNationally 1.96%
Details
Compounded: ; Credited: At Maturity
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 2.41% above Texas avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.41% above avgNationally 1.96%
Details
Special Offer. balances under $100k
Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3-Month CD
$0
3.80%
▲ 2.36% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.36% above avgNationally 1.96%
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3-Month Certificate
$0
3.75%
▲ 2.31% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.31% above avgNationally 1.96%
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.65%
▲ 2.21% above Texas avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.21% above avgNationally 1.96%
Details
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
90 Day
$0
3.55%
▲ 2.11% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.11% above avgNationally 1.96%
Details
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.51%
▲ 2.07% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.07% above avgNationally 1.96%
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
3-Month Certificate
$0
3.51%
▲ 2.07% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.07% above avgNationally 1.96%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Month Certificate
$0
3.50%
▲ 2.06% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.06% above avgNationally 1.96%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 3 Month
$0
3.50%
▲ 2.06% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.06% above avgNationally 1.96%
Details
$95,000
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Month CD
$1,000
3.50%
▲ 2.06% above Texas avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.06% above avgNationally 1.96%
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$1,000
3.45%
▲ 2.01% above Texas avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.01% above avgNationally 1.96%
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
▲ 1.96% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.96% above avgNationally 1.96%
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.40%
▲ 1.96% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.96% above avgNationally 1.96%
Details
Houston 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
6 Months
$0
4.18%
▲ 2.17% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.17% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (6 months)
$100,001
4.07%
▲ 2.06% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (6 months)
$50,001
4.02%
▲ 2.01% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.01% above avgNationally 2.67%
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
180 Day
$0
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
6-month Jumbo Share Certificate
$100,000
3.97%
▲ 1.96% above Texas avg
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.96% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (6 months)
$1,000
3.97%
▲ 1.96% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.96% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (6 months)
$100,001
3.97%
▲ 1.96% above Texas avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.96% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (6 months)
$50,001
3.92%
▲ 1.91% above Texas avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.91% above avgNationally 2.67%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Jumbo Term Share Certificate (CD) 6 month
$100,000
3.91%
▲ 1.90% above Texas avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.90% above avgNationally 2.67%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
6-Month CD
$0
3.90%
▲ 1.89% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.89% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (6 months)
$1,000
3.87%
▲ 1.86% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.86% above avgNationally 2.67%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
6 month
$100
3.80%
▲ 1.79% above Texas avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.79% above avgNationally 2.67%
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX 77065
6 Month
$0
3.75%
▲ 1.74% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.74% above avgNationally 2.67%
Details
Consumer Only
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
Callable CD 6 Months
$0
3.75%
▲ 1.74% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.74% above avgNationally 2.67%
Details
Callable CD
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
720 N Post Oak Rd, Houston, TX 77024
6-month CD
$0
3.65%
▲ 1.64% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.64% above avgNationally 2.67%
Details
New Money
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
6 Month CD
$0
3.65%
▲ 1.64% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.64% above avgNationally 2.67%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
6 Month CD
$1,000
3.65%
▲ 1.64% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.64% above avgNationally 2.67%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month IRA Share Certificate
$0
3.60%
▲ 1.59% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.59% above avgNationally 2.67%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month Share Certificate
$0
3.60%
▲ 1.59% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.59% above avgNationally 2.67%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month IRA Share Certificate
$0
3.55%
▲ 1.54% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.54% above avgNationally 2.67%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month Share Certificate
$0
3.55%
▲ 1.54% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.54% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
6 Month Certificate
$0
3.55%
▲ 1.54% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.54% above avgNationally 2.67%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
6 Month
$0
3.55%
▲ 1.54% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.54% above avgNationally 2.67%
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
720 N Post Oak Rd, Houston, TX 77024
6-month CD
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
New Money
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month IRA Share Certificate
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month Share Certificate
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
6 Month Certificate
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
Business 6 Month Certificate
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
12012 Space Center Blvd, Houston, TX 77059
6-month Certificates
$0
3.50%
▲ 1.49% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 6 Months
$1,000
3.50%
▲ 1.49% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 6 Months
$1,000
3.50%
▲ 1.49% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.49% above avgNationally 2.67%
Details
JUMBO $95,000+
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month IRA Share Certificate
$0
3.45%
▲ 1.44% above Texas avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.44% above avgNationally 2.67%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month Share Certificate
$0
3.45%
▲ 1.44% above Texas avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.44% above avgNationally 2.67%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month IRA Share Certificate
$0
3.40%
▲ 1.39% above Texas avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.39% above avgNationally 2.67%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
6 Month Share Certificate
$0
3.40%
▲ 1.39% above Texas avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.39% above avgNationally 2.67%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
6 Month Certificate
$0
3.40%
▲ 1.39% above Texas avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.39% above avgNationally 2.67%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
6 Month
$0
3.35%
▲ 1.34% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.34% above avgNationally 2.67%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
Business 6 Month
$0
3.35%
▲ 1.34% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.34% above avgNationally 2.67%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
6 month
$100
3.29%
▲ 1.28% above Texas avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.28% above avgNationally 2.67%
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
6 Months
$1,000
3.25%
▲ 1.24% above Texas avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.24% above avgNationally 2.67%
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Jumbo Term Certificates 6 Months
$95,000
3.25%
▲ 1.24% above Texas avg
▼
Rate3.21%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.24% above avgNationally 2.67%
Details
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
Jumbo Certificate Account - 6 Months
$95,000
3.25%
▲ 1.24% above Texas avg
▼
Rate3.20%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.24% above avgNationally 2.67%
Details
Fixed; Dividends Compounded: Monthly; Dividends Credited: Monthly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
6 Months Share Certificate
$1,000
3.20%
▲ 1.19% above Texas avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.19% above avgNationally 2.67%
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
6 Month Certificate
$1,000
3.19%
▲ 1.18% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.18% above avgNationally 2.67%
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
6 Months
$1,000
3.14%
▲ 1.13% above Texas avg
▼
Rate3.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.13% above avgNationally 2.67%
Details
Under $100,000
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
6 Month Jumbo Certificate
$50,000
3.11%
▲ 1.10% above Texas avg
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.10% above avgNationally 2.67%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
180 Day
$0
3.10%
▲ 1.09% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.09% above avgNationally 2.67%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
6 month
$500
3.05%
▲ 1.04% above Texas avg
▼
Rate3.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.04% above avgNationally 2.67%
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
6-Month Business Certificate Account
$0
3.05%
▲ 1.04% above Texas avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.04% above avgNationally 2.67%
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 6-Month
$0
3.05%
▲ 1.04% above Texas avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.04% above avgNationally 2.67%
Details
Houston 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
12 Months
$0
4.28%
▲ 1.86% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.86% above avgNationally 2.83%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
1 Year
$90,000
4.18%
▲ 1.76% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.76% above avgNationally 2.83%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
1 Year
$25,000
4.07%
▲ 1.65% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.65% above avgNationally 2.83%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (1 year)
$250,001
4.07%
▲ 1.65% above Texas avg
▼
Rate4.00%
Min Deposit$250,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.65% above avgNationally 2.83%
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
8585 S Gessner Rd, Houston, TX 77074
High-Rate Jumbo 12-Month CD
$100,000
4.05%
▲ 1.63% above Texas avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.63% above avgNationally 2.83%
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. UPDATED 6-16-26 | 10:02 AM CST
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
12-month Jumbo Share Certificate
$100,000
4.02%
▲ 1.60% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.60% above avgNationally 2.83%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 12-month Jumbo
$100,000
4.02%
▲ 1.60% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.60% above avgNationally 2.83%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▲ 1.60% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.60% above avgNationally 2.83%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (1 year)
$100,001
4.02%
▲ 1.60% above Texas avg
▼
Rate3.95%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.60% above avgNationally 2.83%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Jumbo Term Share Certificate (CD) 12 month
$100,000
4.01%
▲ 1.59% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.59% above avgNationally 2.83%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
12 Month Certificate
$0
4.00%
▲ 1.58% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
1 Year
$1,000
3.97%
▲ 1.55% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.55% above avgNationally 2.83%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (1 year)
$50,001
3.97%
▲ 1.55% above Texas avg
▼
Rate3.90%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.55% above avgNationally 2.83%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (1 year)
$1,000
3.92%
▲ 1.50% above Texas avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.50% above avgNationally 2.83%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
1 Year
$0
3.92%
▲ 1.50% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.50% above avgNationally 2.83%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
12 month
$100
3.91%
▲ 1.49% above Texas avg
▼
Rate3.85%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.49% above avgNationally 2.83%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 12 MONTHS
$95,000
3.87%
▲ 1.45% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.45% above avgNationally 2.83%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
12-Month CD
$0
3.85%
▲ 1.43% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.43% above avgNationally 2.83%
Details
Plains State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3355 W Alabama St, Houston, TX 77098
12 Month CD
$1,000
3.82%
▲ 1.40% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.40% above avgNationally 2.83%
Details
Annual Percentage Yield (APY) is accurate as of August 28, 2025. Rates offered may change without notice. A penalty may be imposed for early withdrawal. Each depositor is FDIC-insured up to applicable limits.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 12-month Regular
$1,000
3.82%
▲ 1.40% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.40% above avgNationally 2.83%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Regular
$1,000
3.82%
▲ 1.40% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.40% above avgNationally 2.83%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificates 1 Year
$0
3.82%
▲ 1.40% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.40% above avgNationally 2.83%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificates 1 Year Puppy Pak
$0
3.82%
▲ 1.40% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.40% above avgNationally 2.83%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificates 1 Year Teen
$0
3.82%
▲ 1.40% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.40% above avgNationally 2.83%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 12 MONTHS
$500
3.76%
▲ 1.34% above Texas avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.34% above avgNationally 2.83%
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
12 months - Bump Up
$1,000
3.75%
▲ 1.33% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.33% above avgNationally 2.83%
Details
Dividends Compounded Credited: Monthly
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
12 Months
$0
3.75%
▲ 1.33% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.33% above avgNationally 2.83%
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
12 Months
$1,000
3.75%
▲ 1.33% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.33% above avgNationally 2.83%
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Jumbo Term Certificates 12 Months
$95,000
3.75%
▲ 1.33% above Texas avg
▼
Rate3.70%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.33% above avgNationally 2.83%
Details
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
Jumbo Certificate Account - 12 Months
$95,000
3.75%
▲ 1.33% above Texas avg
▼
Rate3.69%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.33% above avgNationally 2.83%
Details
Fixed; Dividends Compounded: Monthly; Dividends Credited: Monthly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 12 Months
$0
3.75%
▲ 1.33% above Texas avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.33% above avgNationally 2.83%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 12 Months
$0
3.75%
▲ 1.33% above Texas avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.33% above avgNationally 2.83%
Details
JUMBO
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
12 Month CD
$1,000
3.70%
▲ 1.28% above Texas avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.28% above avgNationally 2.83%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 12 Months
$1,000
3.70%
▲ 1.28% above Texas avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.28% above avgNationally 2.83%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 12 Months
$1,000
3.70%
▲ 1.28% above Texas avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.28% above avgNationally 2.83%
Details
JUMBO $95,000+
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
1 YEAR CERTIFICATE
$95,000
3.66%
▲ 1.24% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.24% above avgNationally 2.83%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
Business Certificate 12 Months / 1 Year
$0
3.65%
▲ 1.23% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.23% above avgNationally 2.83%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
12 Month IRA Share Certificate
$0
3.65%
▲ 1.23% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.23% above avgNationally 2.83%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
12 Month Share Certificate
$0
3.65%
▲ 1.23% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.23% above avgNationally 2.83%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
1 YEAR CERTIFICATE
$500
3.61%
▲ 1.19% above Texas avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.19% above avgNationally 2.83%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
12 Month IRA Share Certificate
$0
3.60%
▲ 1.18% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.18% above avgNationally 2.83%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
12 Month Share Certificate
$0
3.60%
▲ 1.18% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.18% above avgNationally 2.83%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
12 Month Certificate
$0
3.60%
▲ 1.18% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.18% above avgNationally 2.83%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
12-month IRA
$0
3.60%
▲ 1.18% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.18% above avgNationally 2.83%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 12 Months Tier Jumbo
$100,000
3.60%
▲ 1.18% above Texas avg
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.18% above avgNationally 2.83%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
12 Month
$0
3.60%
▲ 1.18% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.18% above avgNationally 2.83%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
12 Month CD
$100
3.60%
▲ 1.18% above Texas avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.18% above avgNationally 2.83%
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
1 Year Share Certificate
$1,000
3.56%
▲ 1.14% above Texas avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.14% above avgNationally 2.83%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
12 Month IRA Share Certificate
$0
3.55%
▲ 1.13% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.13% above avgNationally 2.83%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
12 Month Share Certificate
$0
3.55%
▲ 1.13% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.13% above avgNationally 2.83%
Details
Houston 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Jumbo Term Share Certificate (CD) 18 month
$100,000
3.91%
▲ 1.21% above Texas avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.21% above avgNationally 2.67%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
18 Month Certificate
$0
3.85%
▲ 1.15% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.15% above avgNationally 2.67%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificates 18 Months
$0
3.82%
▲ 1.12% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.12% above avgNationally 2.67%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
18 month
$100
3.80%
▲ 1.10% above Texas avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$0
3.80%
▲ 1.10% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 18 Months
$0
3.80%
▲ 1.10% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
JUMBO
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
18 months
$1,000
3.75%
▲ 1.05% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Dividends Compounded Credited: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
18 Month Certificate
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
18 Month CD
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
18 Month Standard IRA CD
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
Business 18 Month CD
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$1,000
3.75%
▲ 1.05% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 18 Months
$1,000
3.75%
▲ 1.05% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
JUMBO $95,000+
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
18-Month CD
$0
3.70%
▲ 1.00% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.00% above avgNationally 2.67%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
18 Month CD
$1,000
3.65%
▲ 0.95% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.95% above avgNationally 2.67%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
18-month Jumbo Share Certificate
$100,000
3.56%
▲ 0.86% above Texas avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.86% above avgNationally 2.67%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 18-month Jumbo
$100,000
3.56%
▲ 0.86% above Texas avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.86% above avgNationally 2.67%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 18-month Jumbo
$100,000
3.56%
▲ 0.86% above Texas avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.86% above avgNationally 2.67%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
18 Month
$0
3.55%
▲ 0.85% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.85% above avgNationally 2.67%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
Business 18 Month
$0
3.55%
▲ 0.85% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.85% above avgNationally 2.67%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
18 Month
$0
3.55%
▲ 0.85% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.85% above avgNationally 2.67%
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
18 Mos. CD (includes IRA)
$0
3.50%
▲ 0.80% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.80% above avgNationally 2.67%
Details
IRA accounts included
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
2000 Post Oak Blvd, Houston, TX 77056
18 Months
$0
3.50%
▲ 0.80% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.80% above avgNationally 2.67%
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
12012 Space Center Blvd, Houston, TX 77059
18-month Certificates
$0
3.50%
▲ 0.80% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.80% above avgNationally 2.67%
Details
Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 18-month Regular
$1,000
3.40%
▲ 0.70% above Texas avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.70% above avgNationally 2.67%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX 77007 7702
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 18-month Regular
$1,000
3.40%
▲ 0.70% above Texas avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.70% above avgNationally 2.67%
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
18 Month Certificate
$1,000
3.34%
▲ 0.64% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.64% above avgNationally 2.67%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
18 month
$500
3.31%
▲ 0.61% above Texas avg
▼
Rate3.27%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.61% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
18 Month Certificate
$0
3.30%
▲ 0.60% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.60% above avgNationally 2.67%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
18 month
$100
3.29%
▲ 0.59% above Texas avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.59% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
18 Month Certificate
$0
3.25%
▲ 0.55% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.55% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
Business 18 Month Certificate
$0
3.25%
▲ 0.55% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.55% above avgNationally 2.67%
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
18 Month Jumbo Certificate
$50,000
3.11%
▲ 0.41% above Texas avg
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.41% above avgNationally 2.67%
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
8120 Washington Ave, Houston, TX 77007
18 Months
$1
3.09%
▲ 0.39% above Texas avg
▼
Rate3.05%
Min Deposit$1
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.39% above avgNationally 2.67%
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
18 Month Share Certificate
$1,000
3.03%
▲ 0.33% above Texas avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.33% above avgNationally 2.67%
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
18-Month Business Certificate Account
$0
3.00%
▲ 0.30% above Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.30% above avgNationally 2.67%
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
IRA Certificates 18-Month
$0
3.00%
▲ 0.30% above Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.30% above avgNationally 2.67%
Details
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
14703 Eagle Vista Dr, Houston, TX 77077
18 Months
$0
2.52%
▼ 0.18% below Texas avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 0.18% below avgNationally 2.67%
Details
Amerant Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
750 Town And Country Blvd Ste 100, Houston, TX 77024
18 Months
$0
2.50%
▼ 0.20% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 0.20% below avgNationally 2.67%
Details
FL
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
14703 Eagle Vista Dr, Houston, TX 77077
18 Months
$0
2.27%
▼ 0.43% below Texas avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 0.43% below avgNationally 2.67%
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
18 month CD
$0
2.16%
▼ 0.54% below Texas avg
▼
Rate2.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 0.54% below avgNationally 2.67%
Details
Super
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
18 month CD
$0
2.13%
▼ 0.57% below Texas avg
▼
Rate2.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 0.57% below avgNationally 2.67%
Details
Jumbo
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
18 Months
$1,000
2.09%
▼ 0.61% below Texas avg
▼
Rate2.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 0.61% below avgNationally 2.67%
Details
Under $100,000
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX 77056
18 Months
$0
2.05%
▼ 0.65% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 0.65% below avgNationally 2.67%
Details
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
14703 Eagle Vista Dr, Houston, TX 77077
18 Months
$0
2.01%
▼ 0.69% below Texas avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 0.69% below avgNationally 2.67%
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
18 month CD
$0
1.63%
▼ 1.07% below Texas avg
▼
Rate1.61%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 1.07% below avgNationally 2.67%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
IRA CD - 18 Month Variable
$0
0.75%
▼ 1.95% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 1.95% below avgNationally 2.67%
Details
Brentwood Baptist Church Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 71.96%
13033 1 2 Landmark St, Houston, TX 77045 3431
18 month Share Certificate (CD)
$0
0.50%
▼ 2.20% below Texas avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 2.20% below avgNationally 2.67%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1001 Broadway St, Houston, TX 77012
IRA CD - 18 Month Variable
$0
0.03%
▼ 2.67% below Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▼ 2.67% below avgNationally 2.67%
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month CD
$0
4.30%
▲ 1.60% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.60% above avgNationally 2.67%
Details
APY as high as
Houston 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
24 Months
$0
4.44%
▲ 1.56% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.56% above avgNationally 2.71%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
2 Years
$90,000
4.28%
▲ 1.40% above Texas avg
▼
Rate4.20%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.40% above avgNationally 2.71%
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
7915 Fm 1960 Rd W, Houston, TX 77070
24-month CD
$1,000
4.25%
▲ 1.37% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.37% above avgNationally 2.71%
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
Callable CD 24 Months
$0
4.20%
▲ 1.32% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.32% above avgNationally 2.71%
Details
Callable CD
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
2 Years
$25,000
4.18%
▲ 1.30% above Texas avg
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.30% above avgNationally 2.71%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
2 Years
$1,000
4.07%
▲ 1.19% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.19% above avgNationally 2.71%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
2 Year
$0
4.02%
▲ 1.14% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.14% above avgNationally 2.71%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$95,000
3.97%
▲ 1.09% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.09% above avgNationally 2.71%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificates 2 Year
$0
3.92%
▲ 1.04% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.04% above avgNationally 2.71%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 24 MONTHS
$500
3.87%
▲ 0.99% above Texas avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.99% above avgNationally 2.71%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$95,000
3.82%
▲ 0.94% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.94% above avgNationally 2.71%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$0
3.80%
▲ 0.92% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.92% above avgNationally 2.71%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 24 Months
$0
3.80%
▲ 0.92% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.92% above avgNationally 2.71%
Details
JUMBO
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month IRA Share Certificate
$0
3.75%
▲ 0.87% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month Share Certificate
$0
3.75%
▲ 0.87% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$1,000
3.75%
▲ 0.87% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 24 Months
$1,000
3.75%
▲ 0.87% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
JUMBO $95,000+
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$500
3.71%
▲ 0.83% above Texas avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.83% above avgNationally 2.71%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month IRA
$0
3.70%
▲ 0.82% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.82% above avgNationally 2.71%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 24 Months Tier Jumbo
$100,000
3.70%
▲ 0.82% above Texas avg
▼
Rate3.64%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.82% above avgNationally 2.71%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Jumbo Term Share Certificate (CD) 2 year
$100,000
3.65%
▲ 0.77% above Texas avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.77% above avgNationally 2.71%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
Business Certificate 24 Months / 2 Years
$0
3.65%
▲ 0.77% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.77% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month IRA Share Certificate
$0
3.65%
▲ 0.77% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.77% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month Share Certificate
$0
3.65%
▲ 0.77% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.77% above avgNationally 2.71%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 24 Months Tier Mini Jumbo
$50,000
3.65%
▲ 0.77% above Texas avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.77% above avgNationally 2.71%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
24-Month CD
$0
3.60%
▲ 0.72% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.72% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month IRA Share Certificate
$0
3.60%
▲ 0.72% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.72% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month Share Certificate
$0
3.60%
▲ 0.72% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.72% above avgNationally 2.71%
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
24 months
$1,000
3.60%
▲ 0.72% above Texas avg
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.72% above avgNationally 2.71%
Details
Dividends Compounded Credited: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
24 Month Certificate
$0
3.60%
▲ 0.72% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.72% above avgNationally 2.71%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month Tier
$0
3.60%
▲ 0.72% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.72% above avgNationally 2.71%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 24 Months Tier
$1,000
3.60%
▲ 0.72% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.72% above avgNationally 2.71%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
24 Month CD
$1,000
3.60%
▲ 0.72% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.72% above avgNationally 2.71%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
24 Month
$0
3.55%
▲ 0.67% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.67% above avgNationally 2.71%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
Business 24 Month
$0
3.55%
▲ 0.67% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.67% above avgNationally 2.71%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
2 year
$100
3.55%
▲ 0.67% above Texas avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.67% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month IRA Share Certificate
$0
3.55%
▲ 0.67% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.67% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month Share Certificate
$0
3.55%
▲ 0.67% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.67% above avgNationally 2.71%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
24 Month CD
$0
3.51%
▲ 0.63% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.63% above avgNationally 2.71%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
24 Month Standard IRA CD
$0
3.51%
▲ 0.63% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.63% above avgNationally 2.71%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
Business 24 Month CD
$0
3.51%
▲ 0.63% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.63% above avgNationally 2.71%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
Business Bump-Up Jumbo and Jumbo Plus Certificates 24 Months
$0
3.50%
▲ 0.62% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.62% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month IRA Share Certificate
$0
3.50%
▲ 0.62% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.62% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
24 Month Share Certificate
$0
3.50%
▲ 0.62% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.62% above avgNationally 2.71%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
24 Month Certificate
$0
3.50%
▲ 0.62% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.62% above avgNationally 2.71%
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
24 Months
$1,000
3.50%
▲ 0.62% above Texas avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.62% above avgNationally 2.71%
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Jumbo Term Certificates 24 Months
$95,000
3.50%
▲ 0.62% above Texas avg
▼
Rate3.45%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.62% above avgNationally 2.71%
Details
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
Jumbo Certificate Account - 24 Months
$95,000
3.50%
▲ 0.62% above Texas avg
▼
Rate3.44%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.62% above avgNationally 2.71%
Details
Fixed; Dividends Compounded: Monthly; Dividends Credited: Monthly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
24 Month
$0
3.50%
▲ 0.62% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.62% above avgNationally 2.71%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
24 Month Step-Up
$0
3.40%
▲ 0.52% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.52% above avgNationally 2.71%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Houston 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
36 Months
$0
4.49%
▲ 1.29% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 1.29% above avgNationally 2.66%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
3 Years
$90,000
4.18%
▲ 0.98% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.98% above avgNationally 2.66%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
Business Certificate 36 Months / 3 Years
$0
4.15%
▲ 0.95% above Texas avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.95% above avgNationally 2.66%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
3 Years
$25,000
4.07%
▲ 0.87% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.87% above avgNationally 2.66%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$95,000
4.07%
▲ 0.87% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.87% above avgNationally 2.66%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
Business Bump-Up Jumbo and Jumbo Plus Certificates 36 Months
$0
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
3 Years
$1,000
3.97%
▲ 0.77% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.77% above avgNationally 2.66%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$500
3.97%
▲ 0.77% above Texas avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.77% above avgNationally 2.66%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
3 Year
$0
3.97%
▲ 0.77% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.77% above avgNationally 2.66%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$95,000
3.92%
▲ 0.72% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.72% above avgNationally 2.66%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Jumbo Step Up Certificates - 3 Year
$0
3.87%
▲ 0.67% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.67% above avgNationally 2.66%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificates 3 Year
$0
3.87%
▲ 0.67% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.67% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.85%
▲ 0.65% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.65% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month Share Certificate
$0
3.85%
▲ 0.65% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.65% above avgNationally 2.66%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$500
3.82%
▲ 0.62% above Texas avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.62% above avgNationally 2.66%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$0
3.80%
▲ 0.60% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.60% above avgNationally 2.66%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 36 Months
$0
3.80%
▲ 0.60% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.60% above avgNationally 2.66%
Details
JUMBO
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Step Up Certificates 3 Year
$0
3.76%
▲ 0.56% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.56% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.75%
▲ 0.55% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month Share Certificate
$0
3.75%
▲ 0.55% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month IRA
$0
3.75%
▲ 0.55% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$1,000
3.75%
▲ 0.55% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 36 Months
$1,000
3.75%
▲ 0.55% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
JUMBO $95,000+
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.70%
▲ 0.50% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.50% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month Share Certificate
$0
3.70%
▲ 0.50% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.50% above avgNationally 2.66%
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 36 months
$0
3.66%
▲ 0.46% above Texas avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.46% above avgNationally 2.66%
Details
Rates as of August 26, 2026. Rates are subject to change without notice.
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.65%
▲ 0.45% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.45% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month Share Certificate
$0
3.65%
▲ 0.45% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.45% above avgNationally 2.66%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month Tier
$0
3.65%
▲ 0.45% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.45% above avgNationally 2.66%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
36 Month CD
$1,000
3.65%
▲ 0.45% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.45% above avgNationally 2.66%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
36 Month
$0
3.60%
▲ 0.40% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.40% above avgNationally 2.66%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
Business 36 Month
$0
3.60%
▲ 0.40% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.40% above avgNationally 2.66%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month IRA Share Certificate
$0
3.60%
▲ 0.40% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.40% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
36 Month Share Certificate
$0
3.60%
▲ 0.40% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.40% above avgNationally 2.66%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
36 Month Certificate
$0
3.60%
▲ 0.40% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.40% above avgNationally 2.66%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
36 Month
$0
3.55%
▲ 0.35% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.35% above avgNationally 2.66%
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
36 months
$1,000
3.50%
▲ 0.30% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.30% above avgNationally 2.66%
Details
Dividends Compounded Credited: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
36 Month Certificate
$0
3.50%
▲ 0.30% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.30% above avgNationally 2.66%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
36-Month CD
$0
3.40%
▲ 0.20% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.20% above avgNationally 2.66%
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
3 Years Share Certificate
$1,000
3.30%
▲ 0.10% above Texas avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.10% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Certificate
$0
3.30%
▲ 0.10% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.10% above avgNationally 2.66%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
3 year
$0
3.29%
▲ 0.09% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.09% above avgNationally 2.66%
Details
PDA
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
3 year
$100
3.25%
▲ 0.05% above Texas avg
▼
Rate2.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.05% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Certificate
$0
3.25%
▲ 0.05% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.05% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
Business 36 Month Certificate
$0
3.25%
▲ 0.05% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.05% above avgNationally 2.66%
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
36 Months
$1,000
3.25%
▲ 0.05% above Texas avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.05% above avgNationally 2.66%
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Jumbo Term Certificates 36 Months
$95,000
3.25%
▲ 0.05% above Texas avg
▼
Rate3.21%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.05% above avgNationally 2.66%
Details
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
Jumbo Certificate Account - 36 Months
$95,000
3.25%
▲ 0.05% above Texas avg
▼
Rate3.20%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.05% above avgNationally 2.66%
Details
Fixed; Dividends Compounded: Monthly; Dividends Credited: Monthly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
36 Month CD
$0
3.25%
▲ 0.05% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.05% above avgNationally 2.66%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
36 Month Standard IRA CD
$0
3.25%
▲ 0.05% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.05% above avgNationally 2.66%
Details
Houston 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
4 Years
$90,000
4.18%
▲ 0.99% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.99% above avgNationally 2.65%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
Business Certificate 48 Months / 4 Years
$0
4.15%
▲ 0.96% above Texas avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.96% above avgNationally 2.65%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
4 Years
$25,000
4.07%
▲ 0.88% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.88% above avgNationally 2.65%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
Business Bump-Up Jumbo and Jumbo Plus Certificates 48 Months
$0
4.00%
▲ 0.81% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.81% above avgNationally 2.65%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
4 Years
$1,000
3.97%
▲ 0.78% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.78% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (4 year)
$100,001
3.97%
▲ 0.78% above Texas avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.78% above avgNationally 2.65%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
4 Year
$0
3.97%
▲ 0.78% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.78% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (4 year)
$50,001
3.92%
▲ 0.73% above Texas avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.73% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.90%
▲ 0.71% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.71% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.90%
▲ 0.71% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.71% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
IRA Certificates (4 year)
$1,000
3.87%
▲ 0.68% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.68% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$100,001
3.87%
▲ 0.68% above Texas avg
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.68% above avgNationally 2.65%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Jumbo Step Up Certificates - 4 Year
$0
3.87%
▲ 0.68% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.68% above avgNationally 2.65%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificates 4 Year
$0
3.87%
▲ 0.68% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.68% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.85%
▲ 0.66% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.66% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.85%
▲ 0.66% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.66% above avgNationally 2.65%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month IRA
$0
3.85%
▲ 0.66% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.66% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$50,001
3.82%
▲ 0.63% above Texas avg
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.63% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.80%
▲ 0.61% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.80%
▲ 0.61% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$0
3.80%
▲ 0.61% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 48 Months
$0
3.80%
▲ 0.61% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
JUMBO
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Share Certificates (4 year)
$1,000
3.76%
▲ 0.57% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.57% above avgNationally 2.65%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Step Up Certificates 4 Year
$0
3.76%
▲ 0.57% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.57% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.75%
▲ 0.56% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.75%
▲ 0.56% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
48 months - Bump Up
$1,000
3.75%
▲ 0.56% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
Dividends Compounded Credited: Monthly
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier
$0
3.75%
▲ 0.56% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$1,000
3.75%
▲ 0.56% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 48 Months
$1,000
3.75%
▲ 0.56% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
JUMBO $95,000+
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
48 Month
$0
3.70%
▲ 0.51% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.51% above avgNationally 2.65%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
Business 48 Month
$0
3.70%
▲ 0.51% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.51% above avgNationally 2.65%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month IRA Share Certificate
$0
3.70%
▲ 0.51% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.51% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
48 Month Share Certificate
$0
3.70%
▲ 0.51% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.51% above avgNationally 2.65%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
48 Month Certificate
$0
3.60%
▲ 0.41% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.41% above avgNationally 2.65%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
48 Month CD
$1,000
3.55%
▲ 0.36% above Texas avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.36% above avgNationally 2.65%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
48 Month Certificate
$0
3.50%
▲ 0.31% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.31% above avgNationally 2.65%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
48 Month
$0
3.45%
▲ 0.26% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.26% above avgNationally 2.65%
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
4 Years Share Certificate
$1,000
3.40%
▲ 0.21% above Texas avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.21% above avgNationally 2.65%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
48-Month CD
$0
3.35%
▲ 0.16% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.16% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
48 Month Certificate
$0
3.30%
▲ 0.11% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.11% above avgNationally 2.65%
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 48 months
$0
3.30%
▲ 0.11% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.11% above avgNationally 2.65%
Details
Rates as of August 26, 2026. Rates are subject to change without notice.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
48 Month Certificate
$0
3.25%
▲ 0.06% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.06% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
Business 48 Month Certificate
$0
3.25%
▲ 0.06% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.06% above avgNationally 2.65%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
48 month
$500
3.11%
▼ 0.08% below Texas avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▼ 0.08% below avgNationally 2.65%
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
48 Month Certificate
$1,000
3.03%
▼ 0.16% below Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▼ 0.16% below avgNationally 2.65%
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
48 Months
$1,000
3.00%
▼ 0.19% below Texas avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▼ 0.19% below avgNationally 2.65%
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
IRA Jumbo Term Certificates 48 Months
$95,000
3.00%
▼ 0.19% below Texas avg
▼
Rate2.97%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▼ 0.19% below avgNationally 2.65%
Details
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.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX 77084
Jumbo Certificate Account - 48 Months
$95,000
3.00%
▼ 0.19% below Texas avg
▼
Rate2.96%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▼ 0.19% below avgNationally 2.65%
Details
Fixed; Dividends Compounded: Monthly; Dividends Credited: Monthly; Additional Deposits: At Maturity; Early Withdrawal Penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period.
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
48-Month Business Certificate Account
$0
3.00%
▼ 0.19% below Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▼ 0.19% below avgNationally 2.65%
Details
Houston 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
Callable CD 60 Months
$0
4.50%
▲ 1.28% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 1.28% above avgNationally 2.76%
Details
Callable CD
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
5 Years
$90,000
4.18%
▲ 0.96% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.96% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month IRA Special
$0
4.10%
▲ 0.88% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 60 Months Tier Jumbo
$100,000
4.10%
▲ 0.88% above Texas avg
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.76%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
5 Years
$25,000
4.07%
▲ 0.85% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$50,000
4.05%
▲ 0.83% above Texas avg
▼
Rate3.98%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.83% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX 77087 1109
Business Certificates of Deposit - 60 Months Tier
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 60 Months
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
JUMBO
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2315 Mangum Rd, Houston, TX 77092
5 Years
$1,000
3.97%
▲ 0.75% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.75% above avgNationally 2.76%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
5 Year
$0
3.97%
▲ 0.75% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.75% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.76%
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
60 Months
$50,000
3.95%
▲ 0.73% above Texas avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.90%
▲ 0.68% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.90%
▲ 0.68% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.76%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$1,000
3.90%
▲ 0.68% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.76%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX 77092 2102
Term Share Certificates/Certificates of Deposit - 60 Months
$1,000
3.90%
▲ 0.68% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.76%
Details
JUMBO $95,000+
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Jumbo Step Up Certificates - 5 Year
$0
3.87%
▲ 0.65% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.65% above avgNationally 2.76%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Term Share Certificates 5 Year
$0
3.87%
▲ 0.65% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.65% above avgNationally 2.76%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
Business Certificate 60 Months / 5 Years
$0
3.85%
▲ 0.63% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.85%
▲ 0.63% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.85%
▲ 0.63% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month IRA Share Certificate
$0
3.80%
▲ 0.58% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.58% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9601 Jones Rd, Houston, TX 77065
60 Month Share Certificate
$0
3.80%
▲ 0.58% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.58% above avgNationally 2.76%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
15100 Heathrow Forest Pkwy, Houston, TX 77032 3886
Step Up Certificates 5 Year
$0
3.76%
▲ 0.54% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.54% above avgNationally 2.76%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX 77058
Business Bump-Up Jumbo and Jumbo Plus Certificates 60 Months
$0
3.75%
▲ 0.53% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.76%
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX 77034
60 Months
$1,000
3.75%
▲ 0.53% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.53% above avgNationally 2.76%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
60 Month
$0
3.70%
▲ 0.48% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.76%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
7000 Fannin St, Houston, TX 77030
Business 60 Month
$0
3.70%
▲ 0.48% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.76%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
5 Years Share Certificate
$1,000
3.56%
▲ 0.34% above Texas avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.34% above avgNationally 2.76%
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1330 Gemini St, Houston, TX 77058
60 months
$1,000
3.50%
▲ 0.28% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.76%
Details
Dividends Compounded Credited: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
60 Month Certificate
$0
3.50%
▲ 0.28% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.76%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
60 Month CD
$1,000
3.50%
▲ 0.28% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.76%
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX 77075
60 Month
$0
3.40%
▲ 0.18% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.18% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Certificate
$0
3.30%
▲ 0.08% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.76%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1990 Post Oak Blvd, Houston, TX 77056
60-Month CD
$0
3.25%
▲ 0.03% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Certificate
$0
3.25%
▲ 0.03% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
Business 60 Month Certificate
$0
3.25%
▲ 0.03% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.76%
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX 77065
Regular Certificate 60 months
$0
3.25%
▲ 0.03% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.76%
Details
Rates as of August 26, 2026. Rates are subject to change without notice.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Variable Rate Certificate
$0
3.15%
▼ 0.07% below Texas avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▼ 0.07% below avgNationally 2.76%
Details
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX 77092
60 month
$500
3.11%
▼ 0.11% below Texas avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▼ 0.11% below avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
60 Month Variable Rate Certificate
$0
3.10%
▼ 0.12% below Texas avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.76%
Details
Rate may change twice during the term. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25%). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX 77029 1416
Business 60 Month Variable Rate Certificate
$0
3.10%
▼ 0.12% below Texas avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.76%
Details
Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months).
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
771 Normandy St, Houston, TX 77015 3467
60 Month Certificate
$1,000
3.03%
▼ 0.19% below Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▼ 0.19% below avgNationally 2.76%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
5 year
$100
3.03%
▼ 0.19% below Texas avg
▼
Rate3.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▼ 0.19% below avgNationally 2.76%
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
60-Month Business Certificate Account
$0
3.00%
▼ 0.22% below Texas avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▼ 0.22% below avgNationally 2.76%
Details
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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.
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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
2.420%
▼ 0.558 vs 7 days ago
Texas 12-month CD rates fell 0.558 points over the past 7 days to 2.420% APY.
6-Month CD — TX Avg
2.013%
▼ 1.002 vs 7 days ago
Texas 6-month CD rates fell 1.002 points over the past 7 days to 2.013% APY.
As of Aug 30, 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 August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.420%
6-Month Forecast
2.420%
Range: 2.22% – 2.57%
12-Month Forecast
2.170%
Range: 1.97% – 2.32%
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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 | 1.442% | $72.08 | $144.15 | $360.38 | $720.75 |
| 6-Month CD | 2.013% | $100.64 | $201.28 | $503.20 | $1,006.40 |
| 12-Month CD | 2.420% | $121.00 | $242.00 | $605.00 | $1,210.00 |
| 18-Month CD | 2.703% | $135.15 | $270.30 | $675.75 | $1,351.50 |
| 24-Month CD | 2.881% | $144.07 | $288.13 | $720.32 | $1,440.65 |
| 36-Month CD | 3.196% | $159.77 | $319.55 | $798.87 | $1,597.75 |
| 48-Month CD | 3.193% | $159.67 | $319.34 | $798.35 | $1,596.70 |
| 60-Month CD | 3.217% | $160.86 | $321.71 | $804.28 | $1,608.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
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 | 1.442% | $72.08 |
| 2 | 6-Month CD | $5,000 | 2.013% | $100.64 |
| 3 | 12-Month CD | $5,000 | 2.420% | $121.00 |
| 4 | 24-Month CD | $5,000 | 2.881% | $144.07 |
| 5 | 36-Month CD | $5,000 | 3.196% | $159.77 |
| Total ($25,000 invested) | $25,000 | 2.390% blended | $597.56/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.
1,885
CD Rates
Tracked in Houston, Texas
Tracked in Houston, Texas
31 Banks
86 Credit Unions
About Our Houston, Texas CD Rate Database
MonitorBankRates tracks 1,885 CD rates from 31 banks and 86 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 (1–5), 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: Texas Bay Credit Union offers a CD at 4.50% 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 86 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 — 117 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
$96/yr
At TX 12-mo avg 2.420% 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 2.420%, saving 10% of the local median salary ($3,966/year) and putting it in a CD would earn an additional $96 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 (90–180 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 Months at 4.18% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Texas Bay Credit Union is offering its Callable CD 60 Months at 4.50% 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:
- Texas Bay Credit Union: 4.50% APY (Callable CD 60 Months)
- Gulf Capital Bank: 4.49% APY (36 Months)
- Members Trust of the Southwest Federal Credit Union: 4.28% APY (2 Years)
- Crescent Bank: 4.25% APY (24-month CD)
- Amoco Federal Credit Union: 4.15% APY (Business Certificate 36 Months / 3 Years)
- Smart Financial Credit Union: 4.10% APY (60-month IRA Special)
- Harris County Federal Credit Union: 4.07% APY (IRA 36 MONTHS)
- Synergy Federal Credit Union: 4.07% APY (IRA Certificates (1 year))
- State Bank of Texas: 4.05% APY (High-Rate Jumbo 12-Month CD)
- Houston Police Federal Credit Union: 4.02% APY (12-month Jumbo Share Certificate)
Rates reflect recent verified offers available in Houston, Texas. Last Updated: August 28, 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 30–180 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 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Houston, Texas CD LadderTX CD rates currently range from 1.442% (3-month) to 3.196% (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 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.420% 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: August 28, 2026
Houston, Texas Rates & Resources
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