Presidio, Texas Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Presidio, Texas CD rates from banks and credit unions serving Texas range from 3.65% to 5.00% APY, verified by MonitorBankRates as of October 27, 2026. Current Presidio, Texas CD rates include A+ Federal Credit UnionA+ Federal Credit UnionA5.0 ★Texas Ratio: 11.13%Real return: +1.30%APY minus CPIRate verified Oct 23, 2026 offering 12 Month StartUP Share Certificate at 5.00% APY, FIRST EAGLEFIRST EAGLEA+5.0 ★Texas Ratio: 3.56%Real return: +1.30%APY minus CPIRate verified Oct 26, 2026 offering Share Certificate Special - 1 Year Certificate at 5.00% APY, Gulf Capital BankGulf Capital BankA+5.0 ★Texas Ratio: 3.09%Real return: +1.26%APY minus CPIRate verified Oct 27, 2026 offering Jumbo Certificates of Deposit - 36 Months at 4.96% APY, Advancial Federal Credit UnionAdvancial Federal Credit UnionA5.0 ★Texas Ratio: 12.30%Real return: +1.17%APY minus CPIRate verified Oct 26, 2026 offering 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% APY, and National Police Federal Credit UnionNational Police Federal Credit UnionA+5.0 ★Texas Ratio: 4.12%Real return: +1.11%APY minus CPIRate verified Oct 23, 2026 offering 24-Month IRA at 4.81% APY. CD rates as of October 27, 2026 according to verified data from MonitorBankRates.
Presidio is a smaller community with no bank or credit union branches currently in our database. 750 institutions serving the Texas area are available to Presidio residents, with CD rates as high as 5.00% APY from A+ Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 27, 2026
Compare Best CD Rates in Presidio, Texas & the Surrounding Area
Presidio 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.08% above Texas avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.12%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 3, 20264.58%▲ from 4.32%
- Sep 27, 20264.32%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Certificate
$2,500
4.50%
▲ 2.00% above Texas avg
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 2.00% above avgNationally 2.12%
Details
Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%
- Oct 23, 20264.50%▲ from 2.35%
- Oct 13, 20262.35%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Jumbo Certificates of Deposit - 90 Days
$250,000
4.44%
▲ 1.94% above Texas avg
▼
Rate4.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.12%
Details
Balance: over $250,000.00; Interest compounded and credited monthly
Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Standard CD
$1,000
4.39%
▲ 1.89% above Texas avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.89% above avgNationally 2.12%
Details
Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000
Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.30%
▲ 1.80% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.80% above avgNationally 2.12%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 3 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$0
4.25%
▲ 1.75% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.75% above avgNationally 2.12%
Details
APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026
Rate History
1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 23, 20264.25%▲ from 3.50%
- Sep 25, 20263.50%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates - 3 Months
$250,001
4.23%
▲ 1.73% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.12%
Details
Minimum Deposit: $250,001
Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.20%
▲ 1.70% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.70% above avgNationally 2.12%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates - 3 Months
$100,001
4.18%
▲ 1.68% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.12%
Details
Minimum Deposit: $100,001
Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates - 3 Months
$50,001
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details
Minimum Deposit: $50,001
Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificate 3 Months
$250,001
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details
Balance: $250,001 minimum
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Sep 21, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
Momentum Share Certificate - 3 Month Special
$0
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details
Balance: $1000.00 - $49,999.99
Rate History
No change since Oct 15, 2026 · 4.13% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.10%
▲ 1.60% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 3 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10%
▲ 1.60% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Certificate of Deposit - 3 Months
$1,000
4.10%
▲ 1.60% above Texas avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details
Minimum deposit of $1,000 required within 10 business days of account opening
Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 3 Months
$500
4.08%
▲ 1.58% above Texas avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.58% above avgNationally 2.12%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates - 3 Months
$1,000
4.07%
▲ 1.57% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.12%
Details
Minimum Deposit: $1,000
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificate 3 Months
$100,001
4.07%
▲ 1.57% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.12%
Details
Balance: $100,001 minimum
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Sep 21, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificate 3 Months
$50,001
4.02%
▲ 1.52% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.52% above avgNationally 2.12%
Details
Balance: $50,001 minimum
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 21, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
90 Day Frost Certificate of Deposit Account
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
Balance: $500,000.00 and over; Jumbo CD; Visit a Frost financial center for CDs of $500,000 and over
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
90 Day Jumbo CD
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
Balance: $500,000.00 and over; Visit a Frost financial center
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Frost Business Certificate of Deposit - 90 Day
$1,000
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
Balance: $500,000 and over; Promotional rate for new CDs opened during promotion; CDs opened prior to 5/1/2023 that are up for renewal during promotion not eligible
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
No minimum deposit
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
Promotional yield; APY calculated on 3.93% base rate; membership eligibility required; no additional deposits; IRA share certificates do not qualify
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificate 3 Months
$1,000
3.97%
▲ 1.47% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.47% above avgNationally 2.12%
Details
Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
- Sep 21, 20263.97%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96%
▲ 1.46% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.46% above avgNationally 2.12%
Details
APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only
Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
- Oct 26, 20263.96%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Certificate of Deposit - 90 Day
$1,000
3.90%
▲ 1.40% above Texas avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.40% above avgNationally 2.12%
Details
Compounded:; Credited: At Maturity
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 5 times
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day JUMBO'S Certificate of Deposit
$0
3.87%
▲ 1.37% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.37% above avgNationally 2.12%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 3 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.35% above Texas avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.12%
Details
Balance: under $100k; Limited time special offer; Requires $500 new money (existing customers: $0.75 of every $1.00 new money); Not available for individual retirement or business accounts; Early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85%
▲ 1.35% above Texas avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85%
▲ 1.35% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.35% above avgNationally 2.12%
Details
$1,000 minimum
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Jumbo Share Certificates - 3 mo.
$10,000
3.81%
▲ 1.31% above Texas avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.31% above avgNationally 2.12%
Details
Dividend Rate (APR) 3.75%; Annual Yield (APY) 3.81%
Rate History
No change since Sep 25, 2026 · 3.81% APY · checked 6 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.30% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details
Rates effective Monday, October 26, 2026; Open Account online or via Open an account link
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Star Certificates of Deposit - 90 Days
$1,000
3.80%
▲ 1.30% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details
$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity
Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.30% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 10 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3 Month Certificate of Deposit
$250,000
3.80%
▲ 1.30% above Texas avg
▼
Rate3.75%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details
Balance: $250,000.00 and over; Annual Percentage Yield is accurate as of 12/15/2025
Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate Of Deposit (CD) - 90 Day
$1,000
3.80%
▲ 1.30% above Texas avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details
Notes: $1,000 minimum deposit to open. Interest rates are variable and determined daily by One World Bank's discretion. CD product rates are fixed upon opening the account. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificates of Deposit (CD) - 3-Month
$0
3.75%
▲ 1.25% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.12%
Details
Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month CD
$1,000
3.75%
▲ 1.25% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.12%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 10, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month Rally Certificate of Deposit
$0
3.75%
▲ 1.25% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.12%
Details
Rate for 3-month Term; See Disclosures
Rate History
No change since Oct 26, 2026 · 3.75% APY
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day Certificate of Deposit
$25,000
3.71%
▲ 1.21% above Texas avg
▼
Rate3.65%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.12%
Details
Balance: $25,000.00 - $99,999.99
Rate History
No change since Oct 12, 2026 · 3.71% APY · checked 4 times
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3 Month Share Certificate
$1,000
3.71%
▲ 1.21% above Texas avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.12%
Details
Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 5 times
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
3-Month Certificate
$0
3.71%
▲ 1.21% above Texas avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.12%
Details
Balance: $500+; Effective 9/17/26
Rate History
1 change since Sep 14, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51%
- Sep 22, 20263.71%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
90 Day Frost Certificate of Deposit Account
$0
3.70%
▲ 1.20% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Frost Business Certificate of Deposit - 90 Day
$1,000
3.70%
▲ 1.20% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details
Balance: $100,000.00 and over
Rate History
1 change since Oct 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Oct 20, 20263.70%▲ from 3.65%
- Oct 14, 20263.65%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
3 Month Certificate of Deposit
$100,000
3.70%
▲ 1.20% above Texas avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details
Balance: $100,000.00 - $249,999.99; Minimum deposit to open CD is $100,000.00
Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
Interstate Bank
Institution Rating:
C-3.5 ★Texas Ratio: 26.84%
3 Month Certificate
$100,000
3.65%
▲ 1.15% above Texas avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.12%
Details
Balance: $100,000 and over; Daily balances
Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 9 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Liquid Certificate
$95,000
3.65%
▲ 1.15% above Texas avg
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.12%
Details
Effective Date: 09/01/2026; APY requires minimum $95,000 of New-to-Tech CU money; one penalty-free withdrawal per calendar month
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 2 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Liquid Certificate - 3 Month
$1,000
3.65%
▲ 1.15% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.15% above avgNationally 2.12%
Details
Effective Date 09/01/2026; Minimum opening balance of $1,000 in new-to-Tech CU money; APY available with minimum $1,000 new-to-Tech CU money; Unlimited withdrawals without penalty six days after opening, minimum $1,000 must be maintained
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
Presidio 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Jumbo Certificates of Deposit - 6 Months
$250,000
4.54%
▲ 1.30% above Texas avg
▼
Rate4.45%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 1.30% above avgNationally 2.79%
Details
Balance: over $250,000.00; Interest compounded and credited monthly
Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Certificate
$1,000
4.50%
▲ 1.26% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details
Account code 34; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.26% above Texas avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details
Interest paid monthly; Share code 89
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate 6 Month
$0
4.50%
▲ 1.26% above Texas avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details
Interest paid monthly; minimum $50,000
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificate - 6 Month
$500
4.50%
▲ 1.26% above Texas avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details
Share code 69; Int. Monthly
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
6 Month Certificates of Deposit
$0
4.50%
▲ 1.26% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.26% above avgNationally 2.79%
Details
Up to 4.50% APY; available terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month CDs; early withdrawal penalties apply; membership eligibility required
Rate History
No change since Oct 1, 2026 · 4.50% APY · checked 4 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6 Month Standard CD
$1,000
4.49%
▲ 1.25% above Texas avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 1.25% above avgNationally 2.79%
Details
Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000
Rate History
No change since Oct 22, 2026 · 4.49% APY · checked 2 times
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month CD Offer
$1,000
4.44%
▲ 1.20% above Texas avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.20% above avgNationally 2.79%
Details
Featured offer; APY effective as of 09/24/2026; compounded and credited quarterly; early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
- Oct 3, 20264.44%▲ from 4.28%
- Sep 14, 20264.28%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate (Age 13-17)
$250
4.33%
▲ 1.09% above Texas avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.09% above avgNationally 2.79%
Details
Ages: 13-17; Dividends Credited/Compounded: Monthly
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33%
▲ 1.09% above Texas avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.09% above avgNationally 2.79%
Details
Ages: 13-17; Teens Earning And Learning; APY compounded monthly
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 6 Months
$500
4.33%
▲ 1.09% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.09% above avgNationally 2.79%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 Month Certificate
$0
4.33%
▲ 1.09% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.09% above avgNationally 2.79%
Details
Certificate Programs; Rates are subject to change without notice
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 23, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6 Month Promo Certificate
$0
4.30%
▲ 1.06% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.06% above avgNationally 2.79%
Details
Cozy up with a 4.30% APY*; Featured rate on homepage promo card; Rates may vary according to
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 9 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30%
▲ 1.06% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Texas Average3.24%▲ 1.06% above avgNationally 2.79%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 3, 20264.30%▲ from 4.04%
- Sep 27, 20264.04%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6 Month Certificate
$0
4.30%
▲ 1.06% above Texas avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.06% above avgNationally 2.79%
Details
Certificate Rates (100,000 minimum balance)
Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 5 times
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
Share Certificates - 6-Month Term
$0
4.25%
▲ 1.01% above Texas avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.01% above avgNationally 2.79%
Details
Dividend Rate 4.17%; yields effective as of October 8, 2026; dividends compound monthly; must have a Regular Share (Savings) account
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Share Certificates - Regular Term Deposit -6 Months
$5,000
4.25%
▲ 1.01% above Texas avg
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.01% above avgNationally 2.79%
Details
Share Type: Regular; Dividends Paid: Monthly
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Share Certificates - Minor Term Deposit -6 Months
$250
4.25%
▲ 1.01% above Texas avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.01% above avgNationally 2.79%
Details
Share Type: Minor; Dividends Paid: Monthly
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Share Certificates - Term Deposit -6 Months
$1,000
4.25%
▲ 1.01% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 1.01% above avgNationally 2.79%
Details
Share Type: Regular or IRA; Dividends Paid: Monthly
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 6 Months
$500
4.24%
▲ 1.00% above Texas avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 1.00% above avgNationally 2.79%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$250,001
4.23%
▲ 0.99% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details
Minimum deposit tier: $250,001
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 3 times
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
6 Month Children's Share Certificate (Kids 0 to 12)
$0
4.23%
▲ 0.99% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.42 pts · high 4.23% / low 3.82%
- Oct 19, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
6 Month Jumbo Share Certificate
$0
4.23%
▲ 0.99% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.42 pts · high 4.23% / low 3.82%
- Oct 19, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
6 Month Super Share Certificate
$0
4.23%
▲ 0.99% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.42 pts · high 4.23% / low 3.82%
- Oct 19, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
6 Month Teen Share Certificate (Teens 13 to 18)
$0
4.23%
▲ 0.99% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.42 pts · high 4.23% / low 3.82%
- Oct 19, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
6 Month IRA Share Certificate
$99,000
4.19%
▲ 0.95% above Texas avg
▼
Rate4.10%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.95% above avgNationally 2.79%
Details
Tier 3; Balance: $99,000.00 or greater
Rate History
1 change since Oct 19, 2026 · 4.09% → 4.19% ▲ 0.10 pts · high 4.19% / low 4.09%
- Oct 26, 20264.19%▲ from 4.09%
- Oct 19, 20264.09%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
6 Month Share Certificate
$99,000
4.19%
▲ 0.95% above Texas avg
▼
Rate4.10%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.95% above avgNationally 2.79%
Details
Tier 3; Balance: $99,000.00 or greater
Rate History
1 change since Oct 19, 2026 · 4.09% → 4.19% ▲ 0.10 pts · high 4.19% / low 4.09%
- Oct 26, 20264.19%▲ from 4.09%
- Oct 19, 20264.09%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$100,001
4.18%
▲ 0.94% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.94% above avgNationally 2.79%
Details
Minimum deposit tier: $100,001
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
6 Month Share Certificate
$500
4.18%
▲ 0.94% above Texas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.94% above avgNationally 2.79%
Details
Balance: $500 & over; Early withdrawal penalty: 30 days' dividends
Rate History
No change since Sep 18, 2026 · 4.18% APY · checked 7 times
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Share Certificate - 6 Months
$500
4.18%
▲ 0.94% above Texas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.94% above avgNationally 2.79%
Details
Balance: 500 & over
Rate History
No change since Oct 10, 2026 · 4.18% APY · checked 4 times
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
6 month Promotional Online CD
$25,000
4.15%
▲ 0.91% above Texas avg
▼
Rate4.11%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.91% above avgNationally 2.79%
Details
Promotional Online CDs; $25,000 minimum to open; funds must be new money; deposits cannot be made from an existing NexBank CD account; CDs with opening balances of $25,000 to $240,000
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Platinum Bump Up Certificate in Total Shares
$1,000
4.15%
▲ 0.91% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.91% above avgNationally 2.79%
Details
Over $75,000; Balance: Over $75,000 in Total Shares; Rates as of May 8, 2025; Dividends paid monthly; CDs may be subject to early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6 Month Certificate
$500
4.15%
▲ 0.91% above Texas avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.91% above avgNationally 2.79%
Details
Certificate/IRA Dividend Rates effective October 20th 2026; APR 4.09%; 90-day early withdrawal penalty
Rate History
1 change since Oct 19, 2026 · 4.07% → 4.15% ▲ 0.08 pts · high 4.15% / low 4.07%
- Oct 26, 20264.15%▲ from 4.07%
- Oct 19, 20264.07%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 6 Months
$50,000
4.15%
▲ 0.91% above Texas avg
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.91% above avgNationally 2.79%
Details
Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$50,001
4.13%
▲ 0.89% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.89% above avgNationally 2.79%
Details
Minimum deposit tier: $50,001
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 3 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (6 months)
$250,001
4.13%
▲ 0.89% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.89% above avgNationally 2.79%
Details
Rates applicable 10/21/2026 - 10/27/2026
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 15, 20264.13%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6-Month Super Jumbo Certificate
$0
4.11%
▲ 0.87% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.87% above avgNationally 2.79%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.11% ▲ 0.26 pts · high 4.11% / low 3.85%
- Oct 4, 20264.11%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6-Month IRA CD Account
$0
4.10%
▲ 0.86% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details
Promotional rate; minimum daily balance of $1,000.00 must be maintained; opening deposit cannot originate from pre-existing Freedom Bank account funds; rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship; CD rates based upon in-house rates accurate as of September 18, 2026
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.10% ▲ 0.03 pts · high 4.10% / low 4.07%
- Sep 24, 20264.10%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month CD
$0
4.10%
▲ 0.86% above Texas avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 1, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Traditional/Roth IRA
$0
4.10%
▲ 0.86% above Texas avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details
IRA certificate; add-on not permitted
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 1, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6-Month HYRC Certificate
$0
4.10%
▲ 0.86% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
Limited Time New Money 6-Month Certificate Special
$500
4.10%
▲ 0.86% above Texas avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.86% above avgNationally 2.79%
Details
Effective: 9/17/26
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Certificate - 6 months
$0
4.09%
▲ 0.85% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.85% above avgNationally 2.79%
Details
Certificate Rates ($1,000 minimum balance)
Rate History
2 changes since Sep 14, 2026 · 4.09% → 4.09% ▼ 0.00 pts · high 4.30% / low 4.09%
- Oct 12, 20264.09%▼ from 4.30%
- Oct 8, 20264.30%▲ from 4.09%
- Sep 14, 20264.09%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
6 Month IRA Share Certificate
$50,000
4.09%
▲ 0.85% above Texas avg
▼
Rate4.01%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.85% above avgNationally 2.79%
Details
Tier 2; Balance: $50,000.00- $98,999.99
Rate History
1 change since Oct 19, 2026 · 4.00% → 4.09% ▲ 0.09 pts · high 4.09% / low 4.00%
- Oct 26, 20264.09%▲ from 4.00%
- Oct 19, 20264.00%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
6 Month Share Certificate
$50,000
4.09%
▲ 0.85% above Texas avg
▼
Rate4.01%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.85% above avgNationally 2.79%
Details
Tier 2; Balance: $50,000.00- $98,999.99
Rate History
1 change since Oct 19, 2026 · 4.00% → 4.09% ▲ 0.09 pts · high 4.09% / low 4.00%
- Oct 26, 20264.09%▲ from 4.00%
- Oct 19, 20264.00%first recorded
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Term Share Certificate
$0
4.08%
▲ 0.84% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.84% above avgNationally 2.79%
Details
Balance: $1,000-$9,999; Tier 1; Compounding/Paid: Daily/Monthly
Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Term Share Certificate - 6 Months
$0
4.08%
▲ 0.84% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.84% above avgNationally 2.79%
Details
Balance: $1,000-$9,999; Compounding/Paid: Daily/Monthly
Rate History
1 change since Oct 1, 2026 · 3.20% → 4.08% ▲ 0.88 pts · high 4.08% / low 3.20%
- Oct 19, 20264.08%▲ from 3.20%
- Oct 1, 20263.20%first recorded
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Certificate 6 Months
$0
4.07%
▲ 0.83% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.83% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 3 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (6 months)
$1,000
4.07%
▲ 0.83% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.83% above avgNationally 2.79%
Details
Minimum deposit tier: $1,000
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates (6 months)
$100,001
4.07%
▲ 0.83% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.83% above avgNationally 2.79%
Details
Rates applicable 10/21/2026 - 10/27/2026
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.07% ▲ 0.15 pts · high 4.07% / low 3.92%
- Oct 15, 20264.07%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Presidio 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
12 Month StartUP Share Certificate
$0
5.00%
▲ 1.61% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.61% above avgNationally 3.00%
Details
Maximum balance $1,000; Dividends calculated on daily balance, paid monthly; Limit one StartUP Share Certificate per member
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 7 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate Special - 1 Year Certificate
$0
5.00%
▲ 1.61% above Texas avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.61% above avgNationally 3.00%
Details
Requires Checking account, First Eagle debit card and monthly deposits of at least $100.00; deposit up to $100,000; funds must be new money to the Credit Union; no additional deposits after opening
Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Fixed-rate Certificate Account - 12-month Jumbo
$50,000
4.70%
▲ 1.31% above Texas avg
▼
Rate4.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.31% above avgNationally 3.00%
Details
Jumbo; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.70% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12-month Jumbo
$50,000
4.70%
▲ 1.31% above Texas avg
▼
Rate4.70%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.31% above avgNationally 3.00%
Details
Jumbo; Fixed rate; Dividend rate 4.70%; Monthly Crediting APY: 4.80%; Annual/Maturity Crediting APY: 4.70%
Rate History
No change since Oct 22, 2026 · 4.70% APY · checked 2 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Jumbo Certificates of Deposit - 12 Months
$250,000
4.70%
▲ 1.31% above Texas avg
▼
Rate4.60%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.31% above avgNationally 3.00%
Details
Balance: over $250,000.00; Interest compounded and credited monthly
Rate History
No change since Oct 22, 2026 · 4.70% APY · checked 2 times
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
12 Month CD - Branch
$1,000
4.65%
▲ 1.26% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details
Branch $1,000 Minimum Deposit
Rate History
No change since Oct 27, 2026 · 4.65% APY
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
12 Month CD - Digital Online
$25,000
4.65%
▲ 1.26% above Texas avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details
Digital Online $25,000 Minimum Deposit; Online Only
Rate History
No change since Oct 27, 2026 · 4.65% APY
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12 Month Certificate
$0
4.65%
▲ 1.26% above Texas avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details
Certificate Rates (100,000 minimum balance)
Rate History
No change since Sep 17, 2026 · 4.65% APY · checked 5 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12-month Jumbo
$50,000
4.65%
▲ 1.26% above Texas avg
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details
Jumbo; Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 4.65% APY · checked 2 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
12 Month Standard CD
$1,000
4.65%
▲ 1.26% above Texas avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.26% above avgNationally 3.00%
Details
Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000
Rate History
No change since Oct 22, 2026 · 4.65% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60%
▲ 1.21% above Texas avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.21% above avgNationally 3.00%
Details
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Fixed-rate Certificate Account - 12-month Jumbo
$50,000
4.60%
▲ 1.21% above Texas avg
▼
Rate4.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.21% above avgNationally 3.00%
Details
Jumbo; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.60% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12 months
$50
4.60%
▲ 1.21% above Texas avg
▼
Rate4.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.21% above avgNationally 3.00%
Details
Fixed rate; Dividend rate 4.60%; Monthly Crediting APY: 4.70%; Annual/Maturity Crediting APY: 4.60%
Rate History
No change since Oct 22, 2026 · 4.60% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Fixed-rate Certificate Account
$50
4.59%
▲ 1.20% above Texas avg
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.20% above avgNationally 3.00%
Details
APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.59% APY · checked 2 times
Belton Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.90%
1 Year CD
$0
4.58%
▲ 1.19% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.19% above avgNationally 3.00%
Details
Balance: $1k min - $20k max
Rate History
No change since Oct 22, 2026 · 4.58% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12-month Jumbo
$50,000
4.55%
▲ 1.16% above Texas avg
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.16% above avgNationally 3.00%
Details
Jumbo; Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Personal/Business Certificate Account - Monthly Crediting
$50,000
4.54%
▲ 1.15% above Texas avg
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.15% above avgNationally 3.00%
Details
12-month Jumbo; Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12 months
$50
4.54%
▲ 1.15% above Texas avg
▼
Rate4.45%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.15% above avgNationally 3.00%
Details
Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
12-Month IRA CD Account
$0
4.50%
▲ 1.11% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details
Promotional rate; minimum daily balance of $1,000.00 must be maintained; opening deposit cannot originate from pre-existing Freedom Bank account funds; rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship; CD rates based upon in-house rates accurate as of September 18, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
- Sep 24, 20264.50%▲ from 3.82%
- Sep 14, 20263.82%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
12 Month Certificate
$1,000
4.50%
▲ 1.11% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details
Account code 32; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 12 Month
$500
4.50%
▲ 1.11% above Texas avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details
Interest paid monthly; Share code 83
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate 12 Month
$0
4.50%
▲ 1.11% above Texas avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details
Interest paid monthly; minimum $50,000
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificate - 12 Month
$500
4.50%
▲ 1.11% above Texas avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details
Share code 63; Int. Monthly
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Fixed-rate Certificate Account
$50
4.50%
▲ 1.11% above Texas avg
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.11% above avgNationally 3.00%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 2 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month CD
$0
4.45%
▲ 1.06% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.06% above avgNationally 3.00%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Oct 14, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Personal/Business Certificate Account
$50,000
4.45%
▲ 1.06% above Texas avg
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.06% above avgNationally 3.00%
Details
12-month Jumbo; Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12 months
$50
4.45%
▲ 1.06% above Texas avg
▼
Rate4.45%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.06% above avgNationally 3.00%
Details
Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Personal/Business Certificate Account - Monthly Crediting
$50
4.44%
▲ 1.05% above Texas avg
▼
Rate4.35%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 1.05% above avgNationally 3.00%
Details
Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 1 Year
$90,000
4.39%
▲ 1.00% above Texas avg
▼
Rate4.30%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.00% above avgNationally 3.00%
Details
Jumbo/Min. $90,000 certificate tier
Rate History
3 changes since Sep 25, 2026 · 4.28% → 4.39% ▲ 0.11 pts · high 4.44% / low 4.28%
- Oct 23, 20264.39%▼ from 4.44%
- Oct 15, 20264.44%▲ from 4.39%
- Oct 8, 20264.39%▲ from 4.28%
- Sep 25, 20264.28%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 12 Months
$500
4.39%
▲ 1.00% above Texas avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 1.00% above avgNationally 3.00%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
12 Month Certificate
$0
4.38%
▲ 0.99% above Texas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.99% above avgNationally 3.00%
Details
Certificate Programs; Rates are subject to change without notice
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.38% ▲ 0.25 pts · high 4.38% / low 4.13%
- Oct 23, 20264.38%▲ from 4.13%
- Sep 14, 20264.13%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 0.96% above Texas avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 7 times
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
12 month Promotional Online CD
$25,000
4.35%
▲ 0.96% above Texas avg
▼
Rate4.28%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details
Promotional Online CDs; $25,000 minimum to open; funds must be new money; deposits cannot be made from an existing NexBank CD account; CDs with opening balances of $25,000 to $240,000
Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$0
4.35%
▲ 0.96% above Texas avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details
Rate History
No change since Oct 23, 2026 · 4.35% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Personal/Business Certificate Account
$50
4.35%
▲ 0.96% above Texas avg
▼
Rate4.35%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details
Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Bask 12-month CD
$1,000
4.35%
▲ 0.96% above Texas avg
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details
Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 8 times
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Certificate of Deposit - 12 Months
$1,000
4.35%
▲ 0.96% above Texas avg
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month IRA Term Share Certificate
$1,000
4.34%
▲ 0.95% above Texas avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details
Compounding/Paid: Daily/Quarterly
Rate History
No change since Oct 19, 2026 · 4.34% APY · checked 2 times
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month Term Share Certificate
$0
4.34%
▲ 0.95% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details
Balance: $1,000-$9,999; Tier 1; Compounding/Paid: Daily/Monthly
Rate History
No change since Oct 19, 2026 · 4.34% APY · checked 2 times
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
IRA Term Share Certificate - 12 Months
$1,000
4.34%
▲ 0.95% above Texas avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details
Minimum deposit to open $1,000; Compounding/Paid: Daily/Quarterly
Rate History
No change since Oct 19, 2026 · 4.34% APY · checked 2 times
Worth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Term Share Certificate - 12 Months
$0
4.34%
▲ 0.95% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details
Balance: $1,000-$9,999; Compounding/Paid: Daily/Monthly
Rate History
1 change since Oct 1, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 19, 20264.34%▲ from 4.08%
- Oct 1, 20264.08%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 Month IRA Share Certificate
$99,000
4.34%
▲ 0.95% above Texas avg
▼
Rate4.25%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details
Tier 3; Balance: $99,000.00 or greater
Rate History
1 change since Oct 19, 2026 · 4.24% → 4.34% ▲ 0.10 pts · high 4.34% / low 4.24%
- Oct 26, 20264.34%▲ from 4.24%
- Oct 19, 20264.24%first recorded
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 Month Share Certificate
$99,000
4.34%
▲ 0.95% above Texas avg
▼
Rate4.25%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.95% above avgNationally 3.00%
Details
Tier 3; Balance: $99,000.00 or greater
Rate History
1 change since Oct 19, 2026 · 4.24% → 4.34% ▲ 0.10 pts · high 4.34% / low 4.24%
- Oct 26, 20264.34%▲ from 4.24%
- Oct 19, 20264.24%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
12 Month Children's Share Certificate (Kids 0 to 12)
$0
4.33%
▲ 0.94% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 19, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
12 Month Jumbo Share Certificate
$0
4.33%
▲ 0.94% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 19, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
12 Month Super Share Certificate
$0
4.33%
▲ 0.94% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 19, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Freestone Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
12 Month Teen Share Certificate (Teens 13 to 18)
$0
4.33%
▲ 0.94% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 19, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
12 Month CD
$1,000
4.33%
▲ 0.94% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details
APY based on minimum deposit of $1,000; APYs current as of 9/9/2025; penalty may be assessed for early withdrawal
Rate History
1 change since Sep 24, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
- Oct 14, 20264.33%▲ from 3.82%
- Sep 24, 20263.82%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 12 Months
$500
4.33%
▲ 0.94% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.94% above avgNationally 3.00%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 12 Months
$50,000
4.30%
▲ 0.91% above Texas avg
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.91% above avgNationally 3.00%
Details
Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Presidio 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Super Flex Term CD Special (6-18 months)
$0
4.65%
▲ 1.37% above Texas avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 1.37% above avgNationally 2.90%
Details
Effective Date: October 8, 2026
Rate History
No change since Oct 15, 2026 · 4.65% APY · checked 2 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.50%
▲ 1.22% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.22% above avgNationally 2.90%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 14, 20264.50%▲ from 4.40%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month CD
$0
4.50%
▲ 1.22% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.22% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
- Oct 1, 20264.50%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month Traditional/Roth IRA
$0
4.50%
▲ 1.22% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.22% above avgNationally 2.90%
Details
IRA certificate; add-on not permitted
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
- Oct 1, 20264.50%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$0
4.35%
▲ 1.07% above Texas avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 4.35% APY
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 18 month
$1,000
4.35%
▲ 1.07% above Texas avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 4.35% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.35%
▲ 1.07% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 3 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 18 Month
$0
4.35%
▲ 1.07% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 18 Months
$500
4.33%
▲ 1.05% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 1.05% above avgNationally 2.90%
Details
Dividends Credited/Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 18 Months
$50,000
4.30%
▲ 1.02% above Texas avg
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.02% above avgNationally 2.90%
Details
Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Super Jumbo Certificate
$0
4.27%
▲ 0.99% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.99% above avgNationally 2.90%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
- Oct 4, 20264.27%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27%
▲ 0.99% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.99% above avgNationally 2.90%
Details
Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term
Rate History
No change since Oct 22, 2026 · 4.27% APY · checked 2 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27%
▲ 0.99% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.99% above avgNationally 2.90%
Details
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 4.27% APY · checked 2 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Star Certificate of Deposit
$1,000
4.25%
▲ 0.97% above Texas avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details
Rates effective Monday, October 26, 2026; Open Account online or via Open an account link
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Star Certificates of Deposit - 18 Months
$1,000
4.25%
▲ 0.97% above Texas avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details
$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month CD
$1,000
4.25%
▲ 0.97% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details
Limited time offer; APY effective 10/22/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 0.97% above Texas avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details
Branch/location: Available in Dubuque, Lubbock, Albuquerque, and Boise; Limited time offer; New customers only; $10,000 minimum opening deposit in new funds; Must have or open an active Elevate or Summit checking account; Bump-up: may raise rate once during term if Capra's rates increase; The promotional APY is accurate as of July 1, 2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Platinum Bump Up Certificate in Total Shares
$1,000
4.25%
▲ 0.97% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details
Over $75,000; Balance: Over $75,000 in Total Shares; Rates as of May 8, 2025; Dividends paid monthly; CDs may be subject to early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 0.97% above Texas avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.25%
▲ 0.97% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month Certificate of Deposit
$1,000
4.25%
▲ 0.97% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details
Balance: $50,000.00 and over (Jumbo)
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20%
▲ 0.92% above Texas avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.92% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Standard CD - 18 Months
$1,000
4.20%
▲ 0.92% above Texas avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.92% above avgNationally 2.90%
Details
Interest compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Jumbo Certificate
$0
4.16%
▲ 0.88% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.88% above avgNationally 2.90%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details
Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Certificate of Deposit - 18 Month
$1,000
4.15%
▲ 0.87% above Texas avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details
Compounded: Quarterly; Credited: Quarterly
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CDVantage CD
$100,000
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details
Interest Frequency: Monthly; Maturity Date: 01-24-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Certificate of Deposit
$1,000
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details
Balance: Under $75,000 in Total Shares; Dividends paid monthly; Rates as of May 8, 2025
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
18-Month CD
$20,000
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details
Est. earnings / $10K: ~$622; Total value: $10,622
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 0.82% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details
Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CDVantage CD
$100,000
4.10%
▲ 0.82% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details
Interest Frequency: Semi-annual; Maturity Date: 01-24-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 2 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 18 months
$2,500
4.10%
▲ 0.82% above Texas avg
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details
In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 6 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard CD - 18 Months
$2,500
4.10%
▲ 0.82% above Texas avg
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details
Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 10, 20264.10%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Traditional & Roth IRA Certificates - 18 Months
$2,500
4.10%
▲ 0.82% above Texas avg
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details
IRA certificate; interest compounded daily; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Term Share Certificate
$1,000
4.10%
▲ 0.82% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details
Minimum to Avoid Service Charge: $0
Rate History
1 change since Oct 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- Oct 26, 20264.10%▲ from 4.05%
- Oct 14, 20264.05%first recorded
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Certificate of Deposit - 18-month
$1,000
4.10%
▲ 0.82% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details
Minimum to avoid service charge: $0; Also applies to IRA Term Share Certificates; Penalty for early withdrawal; Rates effective as of 10/22/2026
Rate History
1 change since Oct 19, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- Oct 26, 20264.10%▲ from 4.05%
- Oct 19, 20264.05%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
18 Month Term Share Certificate
$0
4.10%
▲ 0.82% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details
Balance: JUMBO $95,000+; Compounded daily, paid quarterly
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Bump Rate CD - 18 Months
$5,000
4.09%
▲ 0.81% above Texas avg
▼
Rate4.02%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.81% above avgNationally 2.90%
Details
Rate may not be bumped until six months after the open date of the CD; interest compounded monthly and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.09% ▲ 0.39 pts · high 4.09% / low 3.70%
- Oct 26, 20264.09%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Term Share Certificate - 18 Month
$1,000
4.07%
▲ 0.79% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.79% above avgNationally 2.90%
Details
Dividends compounded Monthly; Dividends credited Monthly; Renewal: Automatic with 10-day grace period; Early withdrawal: over 1 year 180 days of interest
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 4 times
FNB of Hereford
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
IRA - 18 Month
$0
4.07%
▲ 0.79% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.79% above avgNationally 2.90%
Details
Individual Retirement Accounts (IRAs)
Rate History
1 change since Sep 14, 2026 · 3.02% → 4.07% ▲ 1.05 pts · high 4.07% / low 3.02%
- Sep 24, 20264.07%▲ from 3.02%
- Sep 14, 20263.02%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Share Certificate
$1,000
4.06%
▲ 0.78% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.78% above avgNationally 2.90%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 5 times
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 Month CD - Jumbo Term Share
$100,000
4.06%
▲ 0.78% above Texas avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.78% above avgNationally 2.90%
Details
Rate History
1 change since Oct 12, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
- Oct 23, 20264.06%▲ from 3.91%
- Oct 12, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CDVantage CD
$100,000
4.05%
▲ 0.77% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.77% above avgNationally 2.90%
Details
Interest Frequency: Semi-annual; Maturity Date: 01-24-2028; Earliest Settlement Date: 07-23-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.05%
▲ 0.77% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.77% above avgNationally 2.90%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA & Jumbo Share Certificate - 18 Month to 23 Month
$0
4.02%
▲ 0.74% above Texas avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.74% above avgNationally 2.90%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.02% APY
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
18 Month Certificate of Deposit
$1,000
4.00%
▲ 0.72% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details
Standard CD rate; $1,000 minimum deposit required for CDs; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18-Month CD
$1,000
4.00%
▲ 0.72% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details
Balanced growth and flexibility; Competitive Rate; Rates accurate as of 8.27.2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
18-Month CD Special
$0
4.00%
▲ 0.72% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details
CD Rate Special; promotional 18-month CD rate; Open Your CD
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
FNB of Hereford
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Certificates of Deposit (CDs) - 18 Month Raise Your Rate (with transaction account)
$0
4.00%
▲ 0.72% above Texas avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details
Raise Your Rate; With transaction account; Balance: Less than $50,000
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Presidio 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Jumbo Certificates of Deposit - 24 Months
$250,000
4.86%
▲ 1.64% above Texas avg
▼
Rate4.75%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.64% above avgNationally 2.90%
Details
Balance: over $250,000.00; Interest compounded and credited monthly
Rate History
No change since Oct 22, 2026 · 4.86% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81%
▲ 1.59% above Texas avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.59% above avgNationally 2.90%
Details
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
24 Month Standard CD
$1,000
4.80%
▲ 1.58% above Texas avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.58% above avgNationally 2.90%
Details
Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000
Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificate
$0
4.75%
▲ 1.53% above Texas avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.53% above avgNationally 2.90%
Details
Balance: $100,000+; Early withdrawal fees may apply
Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 7 times
American State Bank (TX)
Institution Rating:
B-4.4 ★Texas Ratio: 22.39%
CDs/IRAs - Jumbo & Above - 24 Month Jumbo
$100,000
4.56%
▲ 1.34% above Texas avg
▼
Rate4.47%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.34% above avgNationally 2.90%
Details
$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026
Rate History
1 change since Oct 14, 2026 · 3.59% → 4.56% ▲ 0.97 pts · high 4.56% / low 3.59%
- Oct 20, 20264.56%▲ from 3.59%
- Oct 14, 20263.59%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 24 Months
$500
4.55%
▲ 1.33% above Texas avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.33% above avgNationally 2.90%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Personal Smart-Step Certificate Account IRA (Variable rate) - 24-month Jumbo
$50,000
4.54%
▲ 1.32% above Texas avg
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.32% above avgNationally 2.90%
Details
Senior Privilege Accounts; Jumbo tier; APY (Annual/Maturity Crediting): N/A
Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.50%
▲ 1.28% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.28% above avgNationally 2.90%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 14, 20264.50%▲ from 4.40%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Pilgrim Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2-Year CD
$1,000
4.47%
▲ 1.25% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.25% above avgNationally 2.90%
Details
Featured CD Special; APY accurate as of October 1, 2026; a penalty will be imposed for early withdrawal; contact any location for the current APY and interest rate
Rate History
No change since Oct 22, 2026 · 4.47% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 24 months
$1,000
4.45%
▲ 1.23% above Texas avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.23% above avgNationally 2.90%
Details
Fixed rate; Dividend rate 4.45%; Monthly Crediting APY: 4.54%; Annual/Maturity Crediting APY: 4.45%
Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 2 Years
$90,000
4.44%
▲ 1.22% above Texas avg
▼
Rate4.35%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.90%
Details
Jumbo/Min. $90,000 certificate tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.44% ▲ 0.11 pts · high 4.44% / low 4.33%
- Oct 8, 20264.44%▲ from 4.33%
- Sep 25, 20264.33%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Fixed-rate Certificate Account
$1,000
4.44%
▲ 1.22% above Texas avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.90%
Details
APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Personal Smart-Step Certificate Account IRA (Variable rate)
$2,500
4.44%
▲ 1.22% above Texas avg
▼
Rate4.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.90%
Details
Senior Privilege Accounts; APY (Annual/Maturity Crediting): N/A
Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Personal Smart-Step Certificate Account (Variable rate) - 24-month Jumbo
$0
4.44%
▲ 1.22% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.22% above avgNationally 2.90%
Details
Jumbo; Variable rate; APY (Monthly Crediting); Senior Privilege Accounts
Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 24 month
$1,000
4.40%
▲ 1.18% above Texas avg
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 24 Month
$0
4.40%
▲ 1.18% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.40% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 24 months
$1,000
4.39%
▲ 1.17% above Texas avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.17% above avgNationally 2.90%
Details
Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$0
4.35%
▲ 1.13% above Texas avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.13% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 4.35% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Fixed-rate Certificate Account
$1,000
4.35%
▲ 1.13% above Texas avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.13% above avgNationally 2.90%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
Karnes County National Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.99%
2 Year Jumbo CD
$100,000
4.33%
▲ 1.11% above Texas avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.90%
Details
Interest Compound: Monthly
Rate History
No change since Oct 21, 2026 · 4.33% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 2 Years
$25,000
4.33%
▲ 1.11% above Texas avg
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.90%
Details
Mini-Jumbo/Min. $25,000 certificate tier
Rate History
No change since Sep 25, 2026 · 4.33% APY · checked 6 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 24 Months
$500
4.33%
▲ 1.11% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.90%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
1 change since Oct 15, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
- Oct 23, 20264.33%▲ from 3.82%
- Oct 15, 20263.82%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Personal Smart-Step Certificate Account (Variable rate)
$0
4.33%
▲ 1.11% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.11% above avgNationally 2.90%
Details
Variable rate; APY (Monthly Crediting); Senior Privilege Accounts
Rate History
No change since Oct 22, 2026 · 4.33% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 24 months
$1,000
4.30%
▲ 1.08% above Texas avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details
Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 2 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 24 Months
$50,000
4.30%
▲ 1.08% above Texas avg
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details
Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Bask 24-month CD
$1,000
4.30%
▲ 1.08% above Texas avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details
Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 8 times
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Certificate of Deposit - 24 Months
$1,000
4.30%
▲ 1.08% above Texas avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Personal/Business Certificate Account - Monthly Crediting
$1,000
4.28%
▲ 1.06% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.06% above avgNationally 2.90%
Details
Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.28% APY · checked 2 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-Month Super Jumbo Certificate
$0
4.27%
▲ 1.05% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.05% above avgNationally 2.90%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
- Oct 4, 20264.27%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.04% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.04% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
- Oct 2, 20264.26%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Term Share Certificate
$0
4.26%
▲ 1.04% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.04% above avgNationally 2.90%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 24, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
- Oct 20, 20264.26%▲ from 3.90%
- Sep 24, 20263.90%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Certificate of Deposit
$0
4.25%
▲ 1.03% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Guaranteed rate of return on a Certificate of Deposit; rate shown as 4.25% (APY/APR label not stated on page)
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month CD
$1,000
4.25%
▲ 1.03% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Limited time offer; APY effective 10/22/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 12 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 24 Month CD
$500
4.25%
▲ 1.03% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Certificate Account - 24 Months
$1,000
4.25%
▲ 1.03% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
IRA Certificate 24 Months
$1,000
4.25%
▲ 1.03% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Plus Point Certificate - 24 Months
$1,000
4.25%
▲ 1.03% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$500
4.25%
▲ 1.03% above Texas avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 13, 20264.25%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month CD
$0
4.25%
▲ 1.03% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 1, 20264.25%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month Traditional/Roth IRA
$0
4.25%
▲ 1.03% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
IRA certificate; add-on not permitted
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 1, 20264.25%▲ from 3.80%
- Sep 14, 20263.80%first recorded
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2 Year Certificate of Deposit
$1,000
4.25%
▲ 1.03% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Balance: $50,000.00 and over (Jumbo)
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
24-Month CD MOST POPULAR
$50,000
4.25%
▲ 1.03% above Texas avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details
Est. earnings / $10K: ~$868; Total value: $10,868
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 6 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 2 Years
$1,000
4.23%
▲ 1.01% above Texas avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.90%
Details
Min. $1,000 certificate tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.23% ▼ 0.10 pts · high 4.33% / low 4.23%
- Oct 23, 20264.23%▼ from 4.33%
- Sep 25, 20264.33%first recorded
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 24 MONTHS
$95,000
4.23%
▲ 1.01% above Texas avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.90%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Oct 23, 2026 · 4.23% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates - 2 Year
$250,001
4.23%
▲ 1.01% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.23% ▲ 0.16 pts · high 4.23% / low 4.07%
- Oct 5, 20264.23%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Certificate of Deposit - 24 Month
$1,000
4.20%
▲ 0.98% above Texas avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details
Compounded: Quarterly; Credited: Quarterly
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 5 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CDVantage CD
$100,000
4.20%
▲ 0.98% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details
Interest Frequency: Monthly; Maturity Date: 07-24-2028; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 24 Months
$100,000
4.20%
▲ 0.98% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details
Interest Frequency: Monthly; Nationally sourced CD offering via CDVantage
Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
Southern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Platinum Bump Up Certificate in Total Shares
$1,000
4.20%
▲ 0.98% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details
Over $75,000; Balance: Over $75,000 in Total Shares; Rates as of May 8, 2025; Dividends paid monthly; CDs may be subject to early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Personal/Business Certificate Account
$1,000
4.20%
▲ 0.98% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details
Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
Presidio 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Jumbo Certificates of Deposit - 36 Months
$250,000
4.96%
▲ 1.84% above Texas avg
▼
Rate4.85%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 1.84% above avgNationally 2.81%
Details
Balance: over $250,000.00; Interest compounded and credited monthly
Rate History
No change since Oct 22, 2026 · 4.96% APY · checked 2 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Month Standard CD
$1,000
4.91%
▲ 1.79% above Texas avg
▼
Rate4.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 1.79% above avgNationally 2.81%
Details
Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000
Rate History
No change since Oct 22, 2026 · 4.91% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 36 Months
$500
4.71%
▲ 1.59% above Texas avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.59% above avgNationally 2.81%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
American State Bank (TX)
Institution Rating:
B-4.4 ★Texas Ratio: 22.39%
CDs/IRAs - Jumbo & Above - 36 Month Jumbo
$100,000
4.60%
▲ 1.48% above Texas avg
▼
Rate4.51%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 1.48% above avgNationally 2.81%
Details
$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026
Rate History
1 change since Oct 14, 2026 · 3.64% → 4.60% ▲ 0.96 pts · high 4.60% / low 3.64%
- Oct 20, 20264.60%▲ from 3.64%
- Oct 14, 20263.64%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
36 Month Certificate
$1,000
4.50%
▲ 1.38% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.38% above avgNationally 2.81%
Details
Balance: $1,000.00 and up; Early withdrawal penalty: 120 days' dividends
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
Business Certificate - 36 Months / 3 Years
$1,000
4.50%
▲ 1.38% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.38% above avgNationally 2.81%
Details
Balance: $1,000.00 and up; Early withdrawal penalty: 120 days' dividends
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Year Business CD
$5,000
4.50%
▲ 1.38% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.38% above avgNationally 2.81%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 3 Years
$90,000
4.49%
▲ 1.37% above Texas avg
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.37% above avgNationally 2.81%
Details
Jumbo/Min. $90,000 certificate tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.49% ▲ 0.16 pts · high 4.49% / low 4.33%
- Oct 8, 20264.49%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$0
4.40%
▲ 1.28% above Texas avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.28% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 3 Years
$25,000
4.39%
▲ 1.27% above Texas avg
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.27% above avgNationally 2.81%
Details
Mini-Jumbo/Min. $25,000 certificate tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
- Oct 8, 20264.39%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
Bump-Up Certificate - 36 Months / 3 Years
$1,000
4.35%
▲ 1.23% above Texas avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.23% above avgNationally 2.81%
Details
Balance: $1,000.00 and up; Advertised APYs valid as of 10/01/2026; Early withdrawal penalty: 120 days' dividends
Rate History
1 change since Sep 25, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 4, 20264.35%▲ from 4.05%
- Sep 25, 20264.05%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
Business Bump-Up Certificate - 36 Months / 3 Years
$1,000
4.35%
▲ 1.23% above Texas avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.23% above avgNationally 2.81%
Details
Rate $1,000.00 and up; Bump-Up Certificate
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 3 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 36 Months
$50,000
4.35%
▲ 1.23% above Texas avg
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.23% above avgNationally 2.81%
Details
Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 36 MONTHS
$95,000
4.33%
▲ 1.21% above Texas avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.21% above avgNationally 2.81%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Oct 23, 2026 · 4.33% APY
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Super Jumbo Certificate
$0
4.32%
▲ 1.20% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.20% above avgNationally 2.81%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
- Oct 4, 20264.32%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA
$0
4.31%
▲ 1.19% above Texas avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.19% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
- Oct 2, 20264.31%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share Certificate
$0
4.31%
▲ 1.19% above Texas avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.19% above avgNationally 2.81%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 24, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
- Oct 20, 20264.31%▲ from 3.90%
- Sep 24, 20263.90%first recorded
Citizens State Bank Sealy, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36-Month CD
$0
4.30%
▲ 1.18% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 1.18% above avgNationally 2.81%
Details
Homepage banner 'Rates up to 4.30% APY'; minimum balance of $100,000 on a 36-month CD to earn 4.30% APY; penalties may apply; fees may reduce earnings; APY accurate as of 9/21/2026
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 7 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 1.18% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.18% above avgNationally 2.81%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 3 Years
$1,000
4.28%
▲ 1.16% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.16% above avgNationally 2.81%
Details
Min. $1,000 certificate tier
Rate History
2 changes since Sep 25, 2026 · 4.33% → 4.28% ▼ 0.05 pts · high 4.39% / low 4.28%
- Oct 23, 20264.28%▼ from 4.39%
- Oct 8, 20264.39%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25%
▲ 1.13% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CDVantage CD
$100,000
4.25%
▲ 1.13% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Interest Frequency: Semi-annual; Maturity Date: 07-23-2029; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 36 Months
$100,000
4.25%
▲ 1.13% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Interest Frequency: Semi; Nationally sourced CD offering via CDVantage
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
Share Certificate/IRA Share Certificate - 36 months
$1,000
4.25%
▲ 1.13% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.25% APY
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Certificate Account - 36 Months
$1,000
4.25%
▲ 1.13% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
IRA Certificate 36 Months
$1,000
4.25%
▲ 1.13% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Plus Point Certificate - 36 Months
$1,000
4.25%
▲ 1.13% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month IRA Share CD
$0
4.25%
▲ 1.13% above Texas avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
IRA Certificates of Deposit
Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.25% ▲ 0.33 pts · high 4.41% / low 3.92%
- Oct 19, 20264.25%▼ from 4.41%
- Oct 10, 20264.41%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Jumbo Share CD
$0
4.25%
▲ 1.13% above Texas avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Jumbo ($95K+) Certificates of Deposit
Rate History
2 changes since Sep 22, 2026 · 3.92% → 4.25% ▲ 0.33 pts · high 4.41% / low 3.92%
- Oct 19, 20264.25%▼ from 4.41%
- Oct 10, 20264.41%▲ from 3.92%
- Sep 22, 20263.92%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Standard CD - 36 Months
$1,000
4.25%
▲ 1.13% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Interest compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month CD
$0
4.25%
▲ 1.13% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 1, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Traditional/Roth IRA
$0
4.25%
▲ 1.13% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.13% above avgNationally 2.81%
Details
IRA certificate; add-on not permitted
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 1, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24%
▲ 1.12% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.24% APY · checked 3 times
Union Square Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
IRA Share Certificate - 3 Years
$0
4.24%
▲ 1.12% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.12% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.05% → 4.24% ▲ 1.19 pts · high 4.24% / low 3.05%
- Oct 19, 20264.24%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Union Square Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
Share Certificate - 3 Years
$1,000
4.24%
▲ 1.12% above Texas avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 4.24% APY · checked 2 times
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 36 MONTHS
$500
4.23%
▲ 1.11% above Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.11% above avgNationally 2.81%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
No change since Oct 23, 2026 · 4.23% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate - 3 year
$250,001
4.23%
▲ 1.11% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.11% above avgNationally 2.81%
Details
Balance: $250,001 and over; Rates applicable 10/21/2026 - 10/27/2026
Rate History
No change since Sep 21, 2026 · 4.23% APY · checked 8 times
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
36 Month Jumbo or IRA CD
$25,000
4.23%
▲ 1.11% above Texas avg
▼
Rate4.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.11% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
- Oct 13, 20264.23%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Jumbo Certificate
$0
4.22%
▲ 1.10% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.10% above avgNationally 2.81%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 5 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA
$0
4.20%
▲ 1.08% above Texas avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 2, 20264.20%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share Certificate
$0
4.20%
▲ 1.08% above Texas avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 24, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 20, 20264.20%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CDVantage CD
$100,000
4.20%
▲ 1.08% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details
Interest Frequency: Monthly; Maturity Date: 07-23-2029; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3 Year Share Certificate
$1,000
4.20%
▲ 1.08% above Texas avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.79% → 4.20% ▲ 1.42 pts · high 4.20% / low 2.79%
- Sep 29, 20264.20%▲ from 2.79%
- Sep 14, 20262.79%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Junior Jumbo Share CD
$0
4.20%
▲ 1.08% above Texas avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details
Junior Jumbo ($50K - $95K) Certificates of Deposit
Rate History
2 changes since Sep 22, 2026 · 3.87% → 4.20% ▲ 0.33 pts · high 4.35% / low 3.87%
- Oct 19, 20264.20%▼ from 4.35%
- Oct 10, 20264.35%▲ from 3.87%
- Sep 22, 20263.87%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
36 Month Term Share Certificate
$0
4.20%
▲ 1.08% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details
Balance: JUMBO $95,000+; Compounded daily, paid quarterly
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 YEAR CERTIFICATE
$95,000
4.18%
▲ 1.06% above Texas avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.06% above avgNationally 2.81%
Details
Certificate Rates - Effective Thursday, October 22, 2026
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.18% ▲ 0.26 pts · high 4.18% / low 3.92%
- Oct 23, 20264.18%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate - 3 year
$100,001
4.18%
▲ 1.06% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.06% above avgNationally 2.81%
Details
Balance: $100,001 - $250,000; Rates applicable 10/21/2026 - 10/27/2026
Rate History
No change since Sep 21, 2026 · 4.18% APY · checked 8 times
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3 Year Share Certificate
$1,000
4.18%
▲ 1.06% above Texas avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.06% above avgNationally 2.81%
Details
Payments: Dividend Paid Monthly; Check Disbursement; Transfer to Shares; Roll Back to Certificate
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
IRA 3 Year
$0
4.18%
▲ 1.06% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.06% above avgNationally 2.81%
Details
Last Day of Month, Contribution Allowed Upon Maturity; Early withdrawal fee: 180 days dividend
Rate History
1 change since Oct 5, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
- Oct 9, 20264.18%▲ from 3.56%
- Oct 5, 20263.56%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA & Jumbo Share Certificate - 36 Month to 47 Month
$0
4.17%
▲ 1.05% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.05% above avgNationally 2.81%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.17% APY
Presidio 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American State Bank (TX)
Institution Rating:
B-4.4 ★Texas Ratio: 22.39%
CDs/IRAs - Jumbo & Above - 48 Month Jumbo
$100,000
4.66%
▲ 1.63% above Texas avg
▼
Rate4.56%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 1.63% above avgNationally 2.80%
Details
$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026
Rate History
1 change since Oct 14, 2026 · 3.69% → 4.66% ▲ 0.97 pts · high 4.66% / low 3.69%
- Oct 20, 20264.66%▲ from 3.69%
- Oct 14, 20263.69%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.60%
▲ 1.57% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.57% above avgNationally 2.80%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.50%
▲ 1.47% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.47% above avgNationally 2.80%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 4 Years
$90,000
4.49%
▲ 1.46% above Texas avg
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.46% above avgNationally 2.80%
Details
Jumbo/Min. $90,000 certificate tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.49% ▲ 0.16 pts · high 4.49% / low 4.33%
- Oct 8, 20264.49%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47%
▲ 1.44% above Texas avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.44% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 4.47% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$0
4.40%
▲ 1.37% above Texas avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.37% above avgNationally 2.80%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.40%
▲ 1.37% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.37% above avgNationally 2.80%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 3 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 4 Years
$25,000
4.39%
▲ 1.36% above Texas avg
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.36% above avgNationally 2.80%
Details
Mini-Jumbo/Min. $25,000 certificate tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
- Oct 8, 20264.39%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Super Jumbo Certificate
$0
4.37%
▲ 1.34% above Texas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.34% above avgNationally 2.80%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 4, 20264.37%▲ from 4.22%
- Sep 14, 20264.22%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.36%
▲ 1.33% above Texas avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.33% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
- Oct 2, 20264.36%▲ from 3.96%
- Sep 18, 20263.96%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share Certificate
$0
4.36%
▲ 1.33% above Texas avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.33% above avgNationally 2.80%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 24, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
- Oct 20, 20264.36%▲ from 3.96%
- Sep 24, 20263.96%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36%
▲ 1.33% above Texas avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.33% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 4.36% APY · checked 3 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 48 Months
$50,000
4.35%
▲ 1.32% above Texas avg
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.32% above avgNationally 2.80%
Details
Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.27% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.27% above avgNationally 2.80%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.30%
▲ 1.27% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.27% above avgNationally 2.80%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 3 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 4 Years
$1,000
4.28%
▲ 1.25% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.25% above avgNationally 2.80%
Details
Min. $1,000 certificate tier
Rate History
2 changes since Sep 25, 2026 · 4.33% → 4.28% ▼ 0.05 pts · high 4.39% / low 4.28%
- Oct 23, 20264.28%▼ from 4.39%
- Oct 8, 20264.39%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Jumbo or IRA CD
$25,000
4.28%
▲ 1.25% above Texas avg
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.25% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Oct 13, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Jumbo Certificate
$0
4.27%
▲ 1.24% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.24% above avgNationally 2.80%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.27% APY · checked 5 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.23% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.23% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
- Oct 2, 20264.26%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share Certificate
$0
4.26%
▲ 1.23% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.23% above avgNationally 2.80%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 24, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
- Oct 20, 20264.26%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Certificates
$0
4.26%
▲ 1.23% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.23% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 4.26% APY · checked 3 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.25%
▲ 1.22% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details
Interest Frequency: Semi-annual; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 48 Months
$100,000
4.25%
▲ 1.22% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details
Interest Frequency: Semi; Nationally sourced CD offering via CDVantage
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
Share Certificate/IRA Share Certificate - 48 months
$1,000
4.25%
▲ 1.22% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details
Rate History
No change since Oct 23, 2026 · 4.25% APY
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Certificate Account - 48 Months
$1,000
4.25%
▲ 1.22% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
IRA Certificate 48 Months
$1,000
4.25%
▲ 1.22% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details
Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Plus Point Certificate - 48 Months
$1,000
4.25%
▲ 1.22% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details
Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Standard CD - 48 Months
$1,000
4.25%
▲ 1.22% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details
Interest compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month CD
$0
4.25%
▲ 1.22% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.22% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 1, 20264.25%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA & Jumbo Share Certificate - 48 Month to 59 Month
$0
4.22%
▲ 1.19% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.19% above avgNationally 2.80%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.22% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.20%
▲ 1.17% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.17% above avgNationally 2.80%
Details
Interest Frequency: Monthly; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month Term Share Certificate
$0
4.20%
▲ 1.17% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.17% above avgNationally 2.80%
Details
Balance: JUMBO $95,000+; Compounded daily, paid quarterly
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Regular or IRA CD
$500
4.18%
▲ 1.15% above Texas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.15% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 13, 20264.18%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48-Month Share Certificate
$1,000
4.16%
▲ 1.13% above Texas avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.13% above avgNationally 2.80%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 5 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.15%
▲ 1.12% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 2, 20264.15%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share Certificate
$0
4.15%
▲ 1.12% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details
Balance tier: $25,000; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 20, 20264.15%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Certificate of Deposit - 48 Month
$1,000
4.15%
▲ 1.12% above Texas avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details
Compounded: Quarterly; Credited: Quarterly
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.15%
▲ 1.12% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details
Interest Frequency: Semi-annual; Maturity Date: 07-17-2030; Earliest Settlement Date: 07-17-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 48 months
$2,500
4.15%
▲ 1.12% above Texas avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details
In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits
Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 6 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard CD - 48 Months
$2,500
4.15%
▲ 1.12% above Texas avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details
Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Oct 10, 20264.15%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Traditional & Roth IRA Certificates - 48 Months
$2,500
4.15%
▲ 1.12% above Texas avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details
IRA certificate; interest compounded daily; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
48 Month IRA Term Share Certificates
$0
4.15%
▲ 1.12% above Texas avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details
Balance: $100,000 and up
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificate Accounts - Share
$500
4.10%
▲ 1.07% above Texas avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details
$500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 9, 20264.10%▲ from 4.05%
- Oct 5, 20264.05%▲ from 3.95%
- Sep 25, 20263.95%▲ from 3.90%
- Sep 18, 20263.90%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
48 Month IRA Term Share Certificates
$0
4.10%
▲ 1.07% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month Term Share Certificate
$0
4.10%
▲ 1.07% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details
Balance: $1,000; Compounded daily, paid quarterly
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
4 Year JUMBO'S Certificate of Deposit
$0
4.07%
▲ 1.04% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 1.04% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 4.07% APY · checked 3 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.05%
▲ 1.02% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details
Interest Frequency: Semi-annual; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-21-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate - Jumbo
$100,000
4.05%
▲ 1.02% above Texas avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 240 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Jumbo Investment Certificate
$100,000
4.05%
▲ 1.02% above Texas avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details
$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 26, 2026 · 4.05% APY
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 3 to 4 Years - Jumbo
$100,000
4.05%
▲ 1.02% above Texas avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details
$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 26, 2026 · 4.05% APY
Presidio 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87%
▲ 1.80% above Texas avg
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.80% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 4.87% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76%
▲ 1.69% above Texas avg
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.69% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 4.76% APY · checked 3 times
American State Bank (TX)
Institution Rating:
B-4.4 ★Texas Ratio: 22.39%
CDs/IRAs - Jumbo & Above - 60 Month Jumbo
$100,000
4.70%
▲ 1.63% above Texas avg
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▲ 1.63% above avgNationally 2.91%
Details
$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026
Rate History
1 change since Oct 14, 2026 · 3.80% → 4.70% ▲ 0.90 pts · high 4.70% / low 3.80%
- Oct 20, 20264.70%▲ from 3.80%
- Oct 14, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.70%
▲ 1.63% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.63% above avgNationally 2.91%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.70% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Certificates
$0
4.66%
▲ 1.59% above Texas avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.59% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 4.66% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.60%
▲ 1.53% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.53% above avgNationally 2.91%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.50%
▲ 1.43% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.43% above avgNationally 2.91%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
60 Month Callable CD
$0
4.50%
▲ 1.43% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.43% above avgNationally 2.91%
Details
Callable; first 90 days not callable; minimum to open $50,000; Balance: $50,000.00 and up
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 5 Years
$90,000
4.49%
▲ 1.42% above Texas avg
▼
Rate4.40%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.42% above avgNationally 2.91%
Details
Jumbo/Min. $90,000 certificate tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.49% ▲ 0.16 pts · high 4.49% / low 4.33%
- Oct 8, 20264.49%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Super Jumbo Certificate
$0
4.42%
▲ 1.35% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.35% above avgNationally 2.91%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.27% → 4.42% ▲ 0.15 pts · high 4.42% / low 4.27%
- Oct 4, 20264.42%▲ from 4.27%
- Sep 14, 20264.27%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.40%
▲ 1.33% above Texas avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.33% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89%
- Oct 2, 20264.40%▲ from 3.89%
- Sep 18, 20263.89%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share Certificate
$0
4.40%
▲ 1.33% above Texas avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.33% above avgNationally 2.91%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 20, 20264.40%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$0
4.40%
▲ 1.33% above Texas avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.33% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.40%
▲ 1.33% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.33% above avgNationally 2.91%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 3 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 5 Years
$25,000
4.39%
▲ 1.32% above Texas avg
▼
Rate4.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.32% above avgNationally 2.91%
Details
Mini-Jumbo/Min. $25,000 certificate tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
- Oct 8, 20264.39%▲ from 4.33%
- Sep 25, 20264.33%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 60 Months
$50,000
4.35%
▲ 1.28% above Texas avg
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.28% above avgNationally 2.91%
Details
Jumbo CD; APY accurate as of October 13, 2026; interest compounded and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
60 Month Term Share Certificate
$0
4.35%
▲ 1.28% above Texas avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.28% above avgNationally 2.91%
Details
Balance: JUMBO $95,000+; Compounded daily, paid quarterly
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
60 Month Jumbo or IRA CD
$25,000
4.33%
▲ 1.26% above Texas avg
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.26% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
- Oct 13, 20264.33%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Jumbo Certificate
$0
4.32%
▲ 1.25% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.25% above avgNationally 2.91%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.32% APY · checked 5 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA & Jumbo Share Certificate - 60 Month
$0
4.32%
▲ 1.25% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.25% above avgNationally 2.91%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.32% APY
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month IRA Share CD
$0
4.32%
▲ 1.25% above Texas avg
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.25% above avgNationally 2.91%
Details
IRA Certificates of Deposit
Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.32% ▲ 0.30 pts · high 4.50% / low 4.02%
- Oct 19, 20264.32%▼ from 4.50%
- Oct 10, 20264.50%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Jumbo Share CD
$0
4.32%
▲ 1.25% above Texas avg
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.25% above avgNationally 2.91%
Details
Jumbo ($95K+) Certificates of Deposit
Rate History
2 changes since Sep 22, 2026 · 4.02% → 4.32% ▲ 0.30 pts · high 4.50% / low 4.02%
- Oct 19, 20264.32%▼ from 4.50%
- Oct 10, 20264.50%▲ from 4.02%
- Sep 22, 20264.02%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.30%
▲ 1.23% above Texas avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 2, 20264.30%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share Certificate
$0
4.30%
▲ 1.23% above Texas avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 24, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 20, 20264.30%▲ from 3.90%
- Sep 24, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$100,000
4.30%
▲ 1.23% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details
Interest Frequency: Semi-annual; Maturity Date: 07-22-2031; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 60 Months
$100,000
4.30%
▲ 1.23% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details
Interest Frequency: Semi; Nationally sourced CD offering via CDVantage
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$500
4.30%
▲ 1.23% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.23% above avgNationally 2.91%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate Account - 5 Years
$1,000
4.28%
▲ 1.21% above Texas avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.21% above avgNationally 2.91%
Details
Min. $1,000 certificate tier
Rate History
2 changes since Sep 25, 2026 · 4.33% → 4.28% ▼ 0.05 pts · high 4.39% / low 4.28%
- Oct 23, 20264.28%▼ from 4.39%
- Oct 8, 20264.39%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Junior Jumbo Share CD
$0
4.27%
▲ 1.20% above Texas avg
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.20% above avgNationally 2.91%
Details
Junior Jumbo ($50K - $95K) Certificates of Deposit
Rate History
2 changes since Sep 22, 2026 · 3.97% → 4.27% ▲ 0.30 pts · high 4.45% / low 3.97%
- Oct 19, 20264.27%▼ from 4.45%
- Oct 10, 20264.45%▲ from 3.97%
- Sep 22, 20263.97%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 60 Month CD
$500
4.25%
▲ 1.18% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$100,000
4.25%
▲ 1.18% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Interest Frequency: Semi-annual; Maturity Date: 07-22-2031; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
Share Certificate/IRA Share Certificate - 60 months
$1,000
4.25%
▲ 1.18% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.25% APY
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Certificate Account - 60 Months
$1,000
4.25%
▲ 1.18% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
IRA Certificate 60 Months
$1,000
4.25%
▲ 1.18% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
Plus Point Certificate - 60 Months
$1,000
4.25%
▲ 1.18% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 60 months
$2,500
4.25%
▲ 1.18% above Texas avg
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 6 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard CD - 60 Months
$2,500
4.25%
▲ 1.18% above Texas avg
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Standard CD; Rate subject to change; Interest compounded daily; interest penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
- Oct 10, 20264.25%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Traditional & Roth IRA Certificates - 60 Months
$2,500
4.25%
▲ 1.18% above Texas avg
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
IRA certificate; interest compounded daily; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Standard CD - 60 Months
$1,000
4.25%
▲ 1.18% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Interest compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
60 Month CD
$0
4.25%
▲ 1.18% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 1, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
60 Month Traditional/Roth IRA
$0
4.25%
▲ 1.18% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
IRA certificate; add-on not permitted
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 1, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
60 Month Term Share Certificate
$0
4.25%
▲ 1.18% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Balance: $1,000; Compounded daily, paid quarterly
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
60 Month Regular or IRA CD
$500
4.23%
▲ 1.16% above Texas avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.16% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
- Oct 13, 20264.23%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60-Month Share Certificate
$1,000
4.22%
▲ 1.15% above Texas avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.15% above avgNationally 2.91%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 5 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Share CD
$0
4.22%
▲ 1.15% above Texas avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.15% above avgNationally 2.91%
Details
Certificates of Deposit
Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.22% ▲ 0.30 pts · high 4.40% / low 3.92%
- Oct 19, 20264.22%▼ from 4.40%
- Oct 10, 20264.40%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Certificate of Deposit - 60 Month
$1,000
4.20%
▲ 1.13% above Texas avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details
Compounded: Quarterly; Credited: Quarterly
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 5 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CDVantage CD
$100,000
4.20%
▲ 1.13% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details
Interest Frequency: Monthly; Maturity Date: 07-22-2031; Earliest Settlement Date: 07-22-2026; Amount Available: $250,000
Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Share Certificate Accounts - Share
$500
4.20%
▲ 1.13% above Texas avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details
$500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 9, 20264.20%▲ from 4.15%
- Oct 5, 20264.15%▲ from 4.05%
- Sep 25, 20264.05%▲ from 4.00%
- Sep 18, 20264.00%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
60 Month IRA Term Share Certificates
$0
4.20%
▲ 1.13% above Texas avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details
Balance: $100,000 and up
Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.19%
▲ 1.12% above Texas avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.12% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.79% → 4.19% ▲ 0.40 pts · high 4.19% / low 3.79%
- Oct 2, 20264.19%▲ from 3.79%
- Sep 18, 20263.79%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Presidio, TX CD Rate Trends
Compare local Presidio, TX CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD TX Avg
3.389%
▼ 0.026 vs 7 days ago
Texas 12-month CD rates fell 0.026 points over the past 7 days to 3.389% APY.
6-Month CD TX Avg
3.244%
▼ 0.024 vs 7 days ago
Texas 6-month CD rates fell 0.024 points over the past 7 days to 3.244% APY.
As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions
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TX CD Rate Forecast, Next 12 Months
Where are Texas CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
3.389%
6-Month Forecast
3.389%
Range: 3.19%, 3.54%
12-Month Forecast
3.639%
Range: 3.44%, 3.79%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.503% | $125.16 | $250.33 | $625.83 | $1,251.65 |
| 6-Month CD | 3.244% | $162.18 | $324.36 | $810.90 | $1,621.80 |
| 12-Month CD | 3.389% | $169.45 | $338.91 | $847.28 | $1,694.55 |
| 18-Month CD | 3.279% | $163.94 | $327.87 | $819.68 | $1,639.35 |
| 24-Month CD | 3.215% | $160.76 | $321.52 | $803.80 | $1,607.60 |
| 36-Month CD | 3.123% | $156.17 | $312.33 | $780.83 | $1,561.65 |
| 48-Month CD | 3.027% | $151.33 | $302.66 | $756.65 | $1,513.30 |
| 60-Month CD | 3.073% | $153.64 | $307.27 | $768.18 | $1,536.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 27, 2026. | |||||
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Sample CD Ladder for Presidio, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.503% | $125.16 |
| 2 | 6-Month CD | $5,000 | 3.244% | $162.18 |
| 3 | 12-Month CD | $5,000 | 3.389% | $169.45 |
| 4 | 24-Month CD | $5,000 | 3.215% | $160.76 |
| 5 | 36-Month CD | $5,000 | 3.123% | $156.17 |
| Total ($25,000 invested) | $25,000 | 3.095% blended | $773.72/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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4,039
CD Rates
Tracked in Presidio, Texas
Tracked in Presidio, Texas
41 Banks
110 Credit Unions
About Our Presidio, Texas CD Rate Database
MonitorBankRates tracks 4,039 CD rates from 41 banks and 110 credit unions with locations in Presidio, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: A+ Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Presidio, Texas.
How to Find the Best CD Rates in Presidio, Texas
What to compare when shopping for a CD in Presidio, Texas
To find the best APYs in Presidio, Texas, start with credit unions and online-only banks: Presidio, Texas has 110 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Presidio, Texas
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Presidio, Texas: 151 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Presidio, Texas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Presidio, Texas money market rates
Presidio, Texas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
14.7%
National avg: 17.3%
Median Individual Earnings
$17,585
National avg: $47,340
Poverty Rate
38.9%
National avg: 11.1%
Unemployment Rate
10.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$60/yr
At TX 12-mo avg 3.389% APY
14.7% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 10.2% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s TX 12-month CD average of 3.389%, saving 10% of the local median salary ($1,758/year) and putting it in a CD would earn an additional $60 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Presidio, Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Presidio, Texas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Presidio, Texas as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Presidio, Texas savers easier access to their funds. For example, Gulf Capital Bank is offering its Jumbo Certificates of Deposit - 6 Months at 4.54% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Presidio, Texas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Presidio, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting a Presidio, Texas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Presidio, Texas
What are CD rates in Presidio, Texas today?
Presidio, Texas CD rates from banks and credit unions serving Texas range from 3.65% to 5.00% APY as of October 27, 2026, verified by MonitorBankRates. Top rates include 5.00% APY at A+ Federal Credit Union (12 Month StartUP Share Certificate), 5.00% at FIRST EAGLE (Share Certificate Special - 1 Year Certificate) and 4.96% at Gulf Capital Bank (Jumbo Certificates of Deposit - 36 Months), compared with the MonitorBankRates national 12 month average of 3.00% APY.
Are CD rates in Presidio, Texas FDIC insured?
Yes, most established banks in Presidio, 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 Presidio, 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 Presidio, 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 Presidio, 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 Presidio, Texas?
Here are recent top rates found for this area:
- A+ Federal Credit Union: 5.00% APY (12 Month StartUP Share Certificate)
- FIRST EAGLE: 5.00% APY (Share Certificate Special - 1 Year Certificate)
- Gulf Capital Bank: 4.96% APY (Jumbo Certificates of Deposit - 36 Months)
- Advancial Federal Credit Union: 4.87% APY (5 Year Regular, IRA & Business Jumbo Certificates)
- National Police Federal Credit Union: 4.81% APY (24-Month IRA)
- American Baptist Association Credit Union: 4.75% APY (24 Month Share Certificate)
- American State Bank (TX): 4.70% APY (CDs/IRAs - Jumbo & Above - 60 Month Jumbo)
- GECU Federal Credit Union: 4.70% APY (Fixed-rate Certificate Account - 12-month Jumbo)
- First Community Credit Union Houston, TX: 4.70% APY (5 Year Business CD)
- T Bank: 4.65% APY (12 Month CD - Branch)
Rates reflect recent verified offers available in Presidio, Texas. Last Updated: October 27, 2026
Presidio, Texas CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Presidio, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Presidio, Texas
Presidio, Texas CD Calculator
At today’s TX top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Presidio, Texas CD LadderTX CD rates currently range from 2.503% (3-month) to 3.123% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Presidio, Texas CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 3.389% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Presidio, Texas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Presidio, Texas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Presidio, Texas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 27, 2026
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