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Texas CD Rate Trends

CD Rates Luling, Texas (TX) for March 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: March 26, 2026

Current Luling, Texas CD rates include GECU Federal Credit UnionGECU Federal Credit Union7227 Viscount Blvd, El Paso, TX 79925A5.0 ★Texas Ratio: 6.97% offering 12-month Jumbo Certificate Individual Retirement Accounts (IRAs) at 4.35% APY, 5Point Credit Union5Point Credit Union3700 Skyline Dr, Nederland, TX 77627 8303A5.0 ★Texas Ratio: 6.33% offering IRA Share Certificates and Share Certificates 12-Month (Tier 3) at 4.34% APY, Complex Community Federal Credit UnionComplex Community Federal Credit Union4519 E 51st St, Odessa, TX 79762A+5.0 ★Texas Ratio: 3.26% offering 12 Month Jumbo Share Certificates & IRA Share Certificates at 4.24% APY, West Texas Credit UnionWest Texas Credit Union1001 N Lee Ave, Odessa, TX 79761 3948A+5.0 ★Texas Ratio: 5.61% offering 12 Month CD at 4.10% APY, and Firefighters First Federal Credit UnionFirefighters First Federal Credit Union3301 Airport Fwy Ste 175, Bedford, TX 76021 6123A+5.0 ★Texas Ratio: 1.58% offering Dream Home Share Certificate 5 Year Retirement Share Certificate at 4.10% APY. CD rates as of March 26, 2026 according to verified data from MonitorBankRates.

To help you find the best CD rates in Luling, Texas, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.

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: March 26, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
2405 S Stemmons Fwy Ste 102 105, Lewisville, TX 75067
WooriWON 3-month CD
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

This APY applies to only WooriWON 3-month CD product which is only available online.; Online Only

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
90 Day Certificate of Deposit
$1,000
3.95%
View
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate Rate 3 Month Special
$1,000
3.92%
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month Certificate of Deposit
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
3-Month HYC Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifications Required

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$100,000
3.85%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Daily Balances of: $100,000 and over

Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2501 Palmer Hwy, Texas City, TX 77590
3-Month Certificate of Deposit
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Consumer Online Banking Only; Offer available for a limited time and is subject to change.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
3-Month Certificates and IRA Certificates
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Regular

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 3 Month
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Super Jumbo CDs 3 Month
$225,000
3.49%
View
▼
Rate3.45%
Min Deposit$225,000
Min Balance—
UpdatedMar 26, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX 76903 7240
3 Month Certificate
$1,000
3.45%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8201 Preston Rd, Dallas, TX 75225
3-Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
90 Day CD
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
3-Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
3 Mo. Term Share (Certificate) / IRA
$0
3.16%
View
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
3 Month CD
$100,000
3.03%
View
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
3 Month Certificate
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1120 Us Highway 79 N, Henderson, TX 75652
90 Day Certificates of Deposit (CDs)
$500
2.88%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
90 Day CDs
$0
2.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Under $100,000

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
3 Month Boost Term Share
$500
2.79%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1301 Oak Street, Jourdanton, TX 78026
3 Month Certificate of Deposit
$2,500
2.78%
View
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
3-Month Certificates
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
114 E huntland dr, austin, TX 78752
Certificate of Deposit 3 Month
$1,000
2.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Amounts of $1,000 - $49,999.99

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX 77505
CD - Term Share 90 day
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX 77065
90 Day Jumbo Certificate Account
$50,000
2.25%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

(Consumer Only)

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
90 Day CD
$0
2.01%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 E Palestine Ave, Palestine, TX 75801
3 Month Standard Certificates of Deposit
$5,000
1.84%
View
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedMar 26, 2026
Details

Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
920 1st St, La Marque, TX 77568
3 Month Term Share Certificates
$0
1.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
3 Month Term Share Certificate
$10,000
1.15%
View
▼
Rate1.14%
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
3 month Share Certificate
$100,000
1.12%
View
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX 75034 6009
3 month Certificate
$0
1.10%
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Penalties may apply for early withdrawals

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
3 Month Jumbo Share Certificates
$0
1.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2401 S 31st St, Temple, TX 76508 0001
90 Day CD
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
IRA 3 Month - Fixed
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Texas National Bank of Jacksonville
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
300 Neches St, Jacksonville, TX 75766
3 Month Fixed Rate Certificates
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
975 William D Tate Ave, Grapevine, TX 76051 4097
90 Day Certificates of Deposit
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
Share Certificates 3 Month
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1100 Matamoros St, Laredo, TX 78040
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

$2,500 minimum opening deposit; Early withdrawal penalties may apply

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX 75501
6 Month Certificate Programs
$0
4.07%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 N Elm St, Waxahachie, TX 75165
6 month CDs
$1,000
4.04%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX 79762
6 Month CAMPUS Share Certificates & IRA Share Certificates
$500
4.03%
View
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Minimum Deposit $500, Jumbo $90,000

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 6 Month
$0
4.02%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX 79761 3948
6 Month CD
$1,000
4.00%
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
6-month Jumbo Share Certificates
$100,000
3.97%
View
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 6 month
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$25,000-$99,999

Colonial Savings, F.A.
Institution Rating:
B+4.7 ★Texas Ratio: 19.01%
2626d West Freeway, Fort Worth, TX 76102
Special 6-Month CD
$0
3.94%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
6 Month Certificate
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
6-Month Term Share Certificate
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Over $50,000

First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
6 Month CD
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$50,000
3.87%
View
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX 77338 4090
6-Month Promo Certificate
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
Share Certificates 6 Month
$0
3.84%
View
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 6 Month to 11 Month
$0
3.82%
View
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
180 Day Certificate of Deposit
$1,000
3.80%
View
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
6 Month Certificate
$100,000
3.79%
View
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Daily Balances of: $100,000 and over

Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX 76903 7240
6 Month Certificate
$1,000
3.75%
View
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
6-Month IRA Certificates of Deposit
$0
3.68%
View
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
6 Month CDs or More
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$100,000

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
6 month Jumbo Term Share Certificate
$90,000
3.63%
View
▼
Rate3.60%
Min Deposit$90,000
Min Balance—
UpdatedMar 26, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
6 Month CD
$100,000
3.60%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
6 mo. Share Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3305 Steck Ave Ste 275, Austin, TX 78757
6 Month Certificate of Deposit
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
6-month Certificates
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
114 E huntland dr, austin, TX 78752
Certificate of Deposit 6 Month
$1,000
3.45%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Amounts of $1,000 - $49,999.99

Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
200 W Morgan, Meridian, TX 76665
6-Month CD Special
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
6 Month CD
$99,000
3.39%
View
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedMar 26, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX 78745 2948
6 month Share Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
6 Mo. Term Share (Certificate) / IRA
$0
3.31%
View
▼
Rate3.27%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
6 Month Certificate
$1,000
3.30%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
180 Day CD
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713
6-Month CD
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
SUPER JUMBO CERTIFICATE 6-Month
$100,000
3.20%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
6 Month Certificate
$0
3.19%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
6 month Share Certificate
$100,000
3.16%
View
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
6 Month IRA Certificate
$0
3.15%
View
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
6 Month Jumbo Certificate
$50,000
3.11%
View
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
6-Month Term Share Certificate
$1,000
3.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2535 Ne 28th St, Fort Worth, TX 76106
JUMBO 180 Day CD
$250,000
3.02%
View
▼
Rate3.00%
Min Deposit$250,000
Min Balance—
UpdatedMar 26, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Youth Launch Certificate 6-Month Certificate
$0
3.00%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1120 Us Highway 79 N, Henderson, TX 75652
180 Day Certificates of Deposit (CDs)
$500
2.88%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
6 month CD
$0
2.86%
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
8951 Synergy Dr, Mckinney, TX 75070
6 Month Fixed Rate CDS
$500
2.85%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Mini CDs 6 Month
$50,000
2.62%
View
▼
Rate2.60%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
6-month Tier Jumbo Certificate of Deposit
$100,000
2.60%
View
▼
Rate2.57%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9000 Blue Mound Rd, Fort Worth, TX 76131
6 Month Certificate
$1,000
2.53%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1301 Oak Street, Jourdanton, TX 78026
6 Month Certificate of Deposit
$2,500
2.52%
View
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
12-month Jumbo Certificate Individual Retirement Accounts (IRAs)
$50,000
4.35%
View
▼
Rate4.35%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

Monthly / APY: 4.44%

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX 79762
12 Month Jumbo Share Certificates & IRA Share Certificates
$90,000
4.24%
View
▼
Rate4.15%
Min Deposit$90,000
Min Balance—
UpdatedMar 26, 2026
Details

Minimum Deposit $500, Jumbo $90,000

West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX 79761 3948
12 Month CD
$1,000
4.10%
View
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX 77611 3720
12 Month Certificates
$0
4.07%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 1 year
$0
4.05%
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$100,000+

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$100,000
4.02%
View
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3700 Avenue F, Bay City, TX 77414
Share Certificate of Deposits 1-YEAR CD
$1,000
4.00%
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
14205 W FM 174, WINDTHORST, TX 76389
1 Year Super IRA Certificates
$100,000
3.97%
View
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Dividend Paid Monthly on Last Day of Month

T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
Promotional 12-Month CD
$25,000
3.95%
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 26, 2026
Details

Digital Online

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
1 Year Puppy Pak Term Share Certificates
$100
3.92%
View
▼
Rate3.85%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$10,000 - $49,999.99

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Independent Retirement Accounts (IRA) 365 Day (1 Year)
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month
$0
3.87%
View
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX 76092 8024
IRA CDs 12 Month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Mini-Jumbo Share Certificate/IRA 1 Year
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
2237 Royal Ln, Dallas, TX 75229
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Limited time offer. Only available in our branches.

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
12-Month Term Share Certificate
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Over $50,000

First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
12 Month CD (also IRA)
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
12 Month Certificate
$1,000
3.70%
View
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
12-month IRA Certificates of Deposit
$0
3.67%
View
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
1 YEAR CERTIFICATE
$0
3.66%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
7915 Fm 1960 Rd W, Houston, TX 77070
Online Certificates of Deposit 12-month CD
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Minimum opening deposit $1,000

Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1401 Holliday St, Wichita Falls, TX 76301 7108
1 Year Share Certificates (CDs)
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
12 Month IRA Certificate
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 1 Year
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
12-Month Term Share Certificate
$1,000
3.55%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX 75234 9024
IRA 12 month
$0
3.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 12 Month
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2320 6TH ST, Bay City, TX 77414 5240
1 Year Share Certificate
$0
3.49%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1422 S HARRISON ST, AMARILLO, TX 79101
12 Month CD
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

As High As

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
12 Month Certificate
$0
3.44%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
12 Month CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
12 Month CD
$99,000
3.39%
View
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedMar 26, 2026
Details

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
12 Mo. Term Share (Certificate) / IRA
$0
3.36%
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
Flex CDs 1 Year
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$250

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX 77338 4090
12-Month No Penalty Promo Certificate
$0
3.30%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

(Share Certificate Only)

FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
1 Year CD Fixed Rate
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
IRA - 1 Year
$0
3.28%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
12 Month Jumbo Certificate
$50,000
3.26%
View
▼
Rate3.22%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

First United Bank Dimmitt, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
301 N Main St, Childress, TX 79201
Jumbo Certificates of Deposit 1 Year
$100,000
3.25%
View
▼
Rate3.21%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
1 Year Certificate
$500
3.24%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Daily Balances of: $500 - $99,999.99

Brenham National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2211 S Day St, Brenham, TX 77833
IRA Starter Savings - 12 month
$0
3.20%
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Jumbo CDs 12 Month
$95,000
3.15%
View
▼
Rate3.11%
Min Deposit$95,000
Min Balance—
UpdatedMar 26, 2026
Details

The MINT National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
12 Month Variable IRA Certificates of Deposit
$10,000
3.10%
View
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details

Minimum deposit to open CD - $10,000; NOTE - substantial penalty for early withdrawal

Lytle State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14631 S Fm 2790 W, Lytle, TX 78052
Jumbo 12 Month CD
$100,000
3.05%
View
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
514 NL Robinson Dr, Arlington, TX 76011 7473
12 Month Certificate
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1404 E Milam St, Mexia, TX 76667 2500
12-Month Share/IRA Certificate
$1,000
3.03%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX 76903 7240
12 Month Certificate
$1,000
3.00%
View
▼
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
18-Month Certificate Special
$500
3.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Special rate available with funds new to Essential.

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
18 Month Term Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$1,000.00 & over

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
18 mo. Share Certificate
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 18-Month Variable
$100,000
3.72%
View
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

$100,000 Minimum to Earn APY

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$100
3.70%
View
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details

Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
18-month CD Rate
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 18 Month CD
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
114 E huntland dr, austin, TX 78752
Certificate of Deposit 18 Month
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Amounts of $1,000 - $49,999.99

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
18 Month Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
18 Month Certificate (IRA)
$100,000
3.55%
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
View
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 18 Month
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
18-Month Term Share Certificate
$1,000
3.45%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
18 Month CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
18 Month CD
$100,000
3.39%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
18-Month Certificate
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
18 Month Certificate
$0
3.34%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
18 month Priority Plus Term Share Certificate
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
2101 N Fulton st, Wharton, TX 77488
18 Month Share Certificates
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
18 Month CD
$99,000
3.19%
View
▼
Rate3.15%
Min Deposit$99,000
Min Balance—
UpdatedMar 26, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX 78521
Jumbo Share Certificates 18 MO
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
18 Month Jumbo Certificate
$50,000
3.11%
View
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
Regular and IRA Certificate 18-Month Term Share Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
102 S Runnels St, De Kalb, TX 75559
18 Month CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
IRA - 18 Month
$0
3.02%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
18-Month Certificates
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
18 Month Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Super Jumbo CDs 18 Month
$225,000
2.98%
View
▼
Rate2.95%
Min Deposit$225,000
Min Balance—
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$100,000
2.96%
View
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

NAFT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
901 N Veterans Blvd, Pharr, TX 78577
18 Month IRA Certificate
$500
2.88%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
515 N Main St, Burton, TX 77835
18 Month CD
$1,000
2.83%
View
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
8951 Synergy Dr, Mckinney, TX 75070
18 Month Fixed Rate CDS
$500
2.75%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
515 S Bliss Ave, Dumas, TX 79029
IRA Time Share Deposit Account 18 Month
$0
2.58%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
514 NL Robinson Dr, Arlington, TX 76011 7473
18 Month Certificate
$1,000
2.52%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
114 W Wellington St, Carthage, TX 75633
18 Month CD
$1,000
2.43%
View
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
IRA 18 Month - Fixed
$0
2.42%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 E Palestine Ave, Palestine, TX 75801
18 Month Standard Certificates of Deposit
$5,000
2.41%
View
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedMar 26, 2026
Details

Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1404 E Milam St, Mexia, TX 76667 2500
18-Month Share/IRA Certificate
$1,000
2.37%
View
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1617 Pleasonton Rd Ste G 109, El Paso, TX 79906
18-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1301 Oak Street, Jourdanton, TX 78026
18 Month Certificate of Deposit
$2,500
2.25%
View
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
18 month CD
$0
2.16%
View
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1300 W Wilson St, Borger, TX 79007
IRA - 18 Month Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 18 Mo. HSA
$0
1.95%
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Texas National Bank of Jacksonville
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
300 Neches St, Jacksonville, TX 75766
18 Month Fixed Rate Certificates
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Lytle State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14631 S Fm 2790 W, Lytle, TX 78052
IRA 18 Month CD
$500
1.51%
View
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
IRA 18 Month Fixed Rate
$1,000
1.36%
View
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
IRA CDs 18 Month Variable IRA
$0
1.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$100,000 and over

GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
24-month Jumbo Personal Smart-Step Certificate Account IRA
$50,000
4.02%
View
▼
Rate3.95%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (2 year)
$0
3.97%
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
2 Year Term Share Certificates
$1,000
3.92%
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3700 Avenue F, Bay City, TX 77414
Share Certificate of Deposits 2-YEAR CD
$1,000
3.90%
View
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$0
3.82%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
2-year CD Rate
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
24 Month Term Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$1,000.00 & over

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX 75501
24 Month Certificate Programs
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 24 Month
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
24-Month IRA Certificates of Deposit
$0
3.74%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX 75785
24 Month Certificates
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
24 mo. Certificate
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
24 Month CD
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX 79762
24 Month Members Advantage Share Certificates & IRA Share Certificates
$500
3.61%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Minimum Deposit $500, Jumbo $90,000

Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
24 Month IRA Certificate
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
View
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
2 Year Boost Term Share
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX 78750
Fixed Rate Certificates 24 Month Step-Up
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.

TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
121 E Courthouse St, Cuero, TX 77954
24 Month Jumbo CD Special
$100,000
3.53%
View
▼
Rate3.47%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
24 Month Certificate
$1,000
3.50%
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2320 6TH ST, Bay City, TX 77414 5240
2 Year Share Certificate
$0
3.49%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
24-Month Share Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$100,000 Minimum to Earn APY

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
24-Month Certificates of Deposit (CD)
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
2 year Priority Plus IRA Term Share Certificate
$1,000
3.39%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
24 Mo. Term Share (Certificate) / IRA
$0
3.36%
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 24-month Tier Jumbo
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
2 Year CD
$100,000
3.34%
View
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
601 JEFFERSON ST # KT 02, HOUSTON, TX 77002
2 Year Term Share Certificate
$2,500
3.33%
View
▼
Rate3.27%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX 76092 8024
IRA CDs 24 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
1 1/2 Year CD
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
24 Month CD (also IRA)
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
24 Month CD
$99,000
3.24%
View
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedMar 26, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
2 Year Certificate
$100,000
3.19%
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Daily Balances of: $100,000 and over

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
24-Month Term Share Certificate
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Over $50,000

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
24 Month CD
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
24 Month Certificate
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX 78521
Jumbo Share Certificates 24 MO
$0
3.05%
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX 75006 7260
IRA Term Share Certificate 24 Month
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3305 E Elms Rd, Killeen, TX 76542
24 month Certificates of Deposits
$1,000
3.03%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2401 S 31st St, Temple, TX 76508 0001
24 Month CD
$1,000
3.00%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$100,000
2.99%
View
▼
Rate2.95%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX 75234 9024
IRA 24 month
$0
2.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX 76544 4906
2 Year IRA Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$1,000 minimum balance to open

Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
24 Month Term Share and IRA Certificates
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
24 Month Share Certificate
$1,000
2.88%
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Jumbo CDs 24 Month
$95,000
2.83%
View
▼
Rate2.80%
Min Deposit$95,000
Min Balance—
UpdatedMar 26, 2026
Details

FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
IRA - 2 Year
$0
2.77%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1115 S Main St, Grapevine, TX 76051
24 Month CD Special
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (2 year) 3 year
$250,001
3.97%
View
▼
Rate3.90%
Min Deposit$250,001
Min Balance—
UpdatedMar 26, 2026
Details

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$0
3.92%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
3 Year Term Share Certificates
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
3-year CD Rate
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
36 Month IRA Term Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month IRA Certificates of Deposit
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 36 Month
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
36 Month IRA
$0
3.70%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 36-Month Variable
$100,000
3.67%
View
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

$100,000 Minimum to Earn APY

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
36 mo. Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
View
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
36 Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
36 month term Certificates of Deposit and IRA** Certificates of Deposit
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Interest paid monthly

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
36 Month Certificate of Deposit
$1,000
3.55%
View
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
36 Month Certificate
$1,000
3.50%
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 3 year
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$25,000-$99,999

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
36 Mo. Term Share (Certificate) / IRA
$0
3.41%
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
36 Month IRA Certificate
$0
3.40%
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
36-Month Certificates of Deposit (CD)
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
36 month Share Certificate
$100,000
3.31%
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Term Share Certificate 36-month
$1,000
3.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Natural Resources Conservation Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
501 W Felix St Bldg 24, Fort Worth, TX 76115 3404
36 Month Term Share Certificate Account (New Member/New Money)
$0
3.28%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713
36-Month CD
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
36 Month CD
$99,000
3.24%
View
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedMar 26, 2026
Details

KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
601 JEFFERSON ST # KT 02, HOUSTON, TX 77002
IRA - 3 year IRA Term Share Certificate
$2,500
3.22%
View
▼
Rate3.17%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
36-month Certificates, IRA, Roth, Educational IRA
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
36 Month Certificate
$0
3.11%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Starting at $10,000+

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX 78213
36 Month Traditional IRA
$250
3.10%
View
▼
Rate3.05%
Min Deposit$250
Min Balance—
UpdatedMar 26, 2026
Details

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
36 Month Certificate
$0
3.08%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
3 year Priority Plus IRA Term Share Certificate
$1,000
3.08%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
7508 Ferguson Rd, Dallas, TX 75228
36 month CD
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$100,000
3.04%
View
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3305 E Elms Rd, Killeen, TX 76542
36 month Certificates of Deposits
$1,000
3.03%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX 76092 8024
IRA CDs 36 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX 78521
Jumbo Share Certificates 36 MO
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX 76544 4906
3 Year IRA Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$1,000 minimum balance to open

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
36 Month Certificate
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 36-month Tier Jumbo
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
515 S Bliss Ave, Dumas, TX 79029
3 Year Time Share Deposit Accounts
$0
2.79%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
36 Month Share Certificate
$1,000
2.78%
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1115 S Main St, Grapevine, TX 76051
36 Month CD Special
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.

Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
114 W Wellington St, Carthage, TX 75633
3 Year CD
$1,000
2.73%
View
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
36 Month Certificate
$0
2.69%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
36 month CD
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX 79761 3948
36 Month CD
$1,000
2.58%
View
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
36 Month Term Share and IRA Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
4 Year Term Share Certificates
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
48 Month Term Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$1,000.00 & over

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 48 Month
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
48 Month CD
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo. Share Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
View
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX 77611 3720
48 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
48 Month (Jumbo) Certificate of Deposit
$50,000
3.55%
View
▼
Rate3.49%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
48 Month Certificate
$1,000
3.50%
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
48 Mo. Term Share (Certificate) / IRA
$0
3.46%
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
4 Year Boost Term Share
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
48 Month IRA Certificate
$0
3.40%
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 4 year
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$25,000-$99,999

Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
48-Month Certificates of Deposit (CD)
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
48 Month CD
$99,000
3.29%
View
▼
Rate3.25%
Min Deposit$99,000
Min Balance—
UpdatedMar 26, 2026
Details

Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713
48-Month CD
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
48 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
48 Month Certificate
$0
3.16%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Starting at $10,000+

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Term Share Certificate 48-month
$1,000
3.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9000 Blue Mound Rd, Fort Worth, TX 76131
48 Month Certificate
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
48 Month Certificate
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
48-Month Certificates
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
48 Month Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2301 RICHMOND RD, TEXARKANA, TX 75503
48 month Share Certificates
$1,000
2.90%
View
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
48-Month Term Share Certificate
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Over $50,000

Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
4 year Priority Plus IRA Term Share Certificate
$1,000
2.88%
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Certificates of Deposit 48-month Tier Jumbo
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX 76544 4906
4 Year IRA Certificate
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$1,000 minimum balance to open

Kerr County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3700 Memorial Blvd, Kerrville, TX 78028 5710
48-Month IRA Certificate
$1,000
2.79%
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1115 S Main St, Grapevine, TX 76051
48 Month CD Special
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.

Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
4 Year CD
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
48 month CD
$0
2.69%
View
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term Regular CDs
$0
2.64%
View
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
515 N Main St, Burton, TX 77835
48 Month CD
$1,000
2.63%
View
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
48 Month Certificate
$0
2.58%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 48 Month
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
48 Month Term Share and IRA Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
4 Year Certificate
$100,000
2.52%
View
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Daily Balances of: $100,000 and over

Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1 Carnegie St, Brownwood, TX 76801
4 Year Term IRA Certificates
$0
2.45%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$100,000
2.43%
View
▼
Rate2.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2535 Ne 28th St, Fort Worth, TX 76106
JUMBO 48 Month CD
$250,000
2.27%
View
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedMar 26, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX 77385
4-Year Certificate of Deposit (CD)
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
IRA 48 Month - Fixed
$0
1.91%
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX 75090 5840
48-month Share Certificate
$10,000
1.81%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX 77065
48 Month Certificate Account
$500
1.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

(Consumer or Business)

La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
214 W Expressway 83, La Joya, TX 78560
48 Month Share Certificate
$0
1.61%
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
975 William D Tate Ave, Grapevine, TX 76051 4097
4 Year Certificates of Deposit
$0
1.41%
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Germania Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
PO Box 645, Brenham, TX 77834 0645
48 month Certificate of Deposit
$500
1.31%
View
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$100,000 and over

Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
111 N 2nd St, Alpine, TX 79830
IRA Certificate 60 Month
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$500 Minimum

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
5 Year Term Share Certificates
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month Jr Jumbo Share CD
$50,000
3.82%
View
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
5-year CD Rate
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
60 Month Term Share Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$1,000.00 & over

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
View
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (5 year)
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 60 Month
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
60 Month CD
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Mini-Jumbo Share Certificate/IRA 5 Year
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
60 mo. Share Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 5 year
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$25,000-$99,999

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
60 Mo. Term Share (Certificate) / IRA
$0
3.56%
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 60-Month (Tier 1)
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
60 Month Certificate
$1,000
3.50%
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
60 Month IRA Certificate
$0
3.40%
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX 78213
60 Month Traditional IRA
$250
3.35%
View
▼
Rate3.30%
Min Deposit$250
Min Balance—
UpdatedMar 26, 2026
Details

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
60 Month CD
$99,000
3.34%
View
▼
Rate3.30%
Min Deposit$99,000
Min Balance—
UpdatedMar 26, 2026
Details

Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
60-month Certificates, IRA, Roth, Educational IRA
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply.

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
60-Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
60 Month Certificate
$0
3.22%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Starting at $10,000+

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
60 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Term Share Certificate 60-month
$1,000
3.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX 76092 8024
IRA CDs 60 Month
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
5 Year CD
$100,000
3.14%
View
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier Jumbo Certificate of Deposit
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
60 Month Certificate
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9000 Blue Mound Rd, Fort Worth, TX 76131
60 Month Certificate
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
60 Month Certificate
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
60 Month CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
8951 Synergy Dr, Mckinney, TX 75070
5 Year Fixed Rate CDS
$500
2.95%
View
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details

Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
60-Month Term Share Certificate
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Over $50,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term Regular CDs
$0
2.84%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX 76544 4906
5 Year IRA Certificate
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$1,000 minimum balance to open

Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
Share Certificates 5 Year
$0
2.79%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX 78521
Jumbo Share Certificates 60 MO
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
60 month CD
$0
2.74%
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
515 N Main St, Burton, TX 77835
60 Month CD
$1,000
2.63%
View
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 26, 2026
Details

Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1 Carnegie St, Brownwood, TX 76801
5 Year Term IRA Certificates
$0
2.55%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
60 Month Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX 77505
CD - Term Share 5 year
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
60 Month CD
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$100,000
2.48%
View
▼
Rate2.45%
Min Deposit$100,000
Min Balance—
UpdatedMar 26, 2026
Details

First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Super Jumbo CDs 5 Year
$225,000
2.32%
View
▼
Rate2.30%
Min Deposit$225,000
Min Balance—
UpdatedMar 26, 2026
Details

NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2535 Ne 28th St, Fort Worth, TX 76106
JUMBO 60 Month CD
$250,000
2.27%
View
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedMar 26, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX 75090 5840
60-month Share Certificate
$10,000
2.06%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
60 Month Jumbo Certificate
$50,000
2.04%
View
▼
Rate2.02%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX 77385
5-Year Certificate of Deposit (CD)
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
IRA 60 Month - Fixed
$0
1.91%
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Luling, TX CD Rate Trends

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

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

View Full Texas CD Trends →
12-Month CD — TX Avg
2.677%
▼ 0.801 from last week

Texas 12-month CD rates fell 0.801 points this week to 2.677% APY, down from 3.478% last week.

6-Month CD — TX Avg
2.152%
▼ 0.737 from last week

Texas 6-month CD rates fell 0.737 points this week to 2.152% APY, down from 2.890% last week.

As of Mar 26, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Luling, Texas

Are CD rates in Luling, Texas FDIC insured?

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

Here are recent top rates found for this area:
  • GECU Federal Credit Union: 4.35% APY (12-month Jumbo Certificate Individual Retirement Accounts (IRAs))
  • 5Point Credit Union: 4.34% APY (IRA Share Certificates and Share Certificates 12-Month (Tier 3))
  • Complex Community Federal Credit Union: 4.24% APY (12 Month Jumbo Share Certificates & IRA Share Certificates)
  • West Texas Credit Union: 4.10% APY (12 Month CD)
  • Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
  • Wellspring Federal Credit Union: 4.07% APY (12 Month Certificates)
  • Swemp Federal Credit Union: 4.07% APY (6 Month Certificate Programs)
  • Alpine Community Credit Union: 4.05% APY (IRA Certificate 60 Month)
  • FIRSTLIGHT: 4.05% APY (IRA/Share Certificates & Business Share Certificates 1 year)
  • Citizens National Bank of Texas: 4.04% APY (6 month CDs)
Rates reflect recent verified offers available in Luling, Texas. Last Updated: March 26, 2026

CD Calculators

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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Luling, 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 pulling data straight 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 Luling, 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: March 26, 2026

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