Quemado, Texas Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Quemado, Texas CD rates include Texas Bay Credit UnionTexas Bay Credit UnionA5.0 ★Texas Ratio: 7.72%Real return: +1.70%APY minus CPI (February 2026) offering Callable CD 60 Months at 4.50% APY, Gulf Capital BankGulf Capital BankA5.0 ★Texas Ratio: 8.95%Real return: +1.69%APY minus CPI (February 2026) offering 36 Months at 4.49% APY, MapleMark BankMapleMark BankA+5.0 ★Texas Ratio: 1.64%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month CD at 4.40% APY, Fort Worth Community Credit UnionFort Worth Community Credit UnionA+5.0 ★Texas Ratio: 3.61%Real return: +1.54%APY minus CPI (February 2026) offering 12 Months at 4.34% APY, and 5Point Credit Union5Point Credit UnionA5.0 ★Texas Ratio: 5.94%Real return: +1.54%APY minus CPI (February 2026) offering IRA Share Certificate 12-Month (Tier 3) at 4.34% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Quemado is a smaller community with no bank or credit union branches currently in our database. 741 institutions serving the Texas area are available to Quemado residents, with CD rates as high as 4.50% APY from Texas Bay Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026
Compare Best CD Rates in Quemado, Texas & the Surrounding Area
Quemado 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
90 Days
$0
4.13%
▲ 2.69% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.69% above avgNationally 1.96%
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00%
▲ 2.56% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.56% above avgNationally 1.96%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$100,001
3.92%
▲ 2.48% above Texas avg
▼
Rate3.85%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.48% above avgNationally 1.96%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day
$1,000
3.90%
▲ 2.46% above Texas avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.46% above avgNationally 1.96%
Details
Compounded: ; Credited: At Maturity
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$50,001
3.87%
▲ 2.43% above Texas avg
▼
Rate3.80%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.43% above avgNationally 1.96%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 2.41% above Texas avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.41% above avgNationally 1.96%
Details
Special Offer. balances under $100k
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (3 months)
$1,000
3.82%
▲ 2.38% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.38% above avgNationally 1.96%
Details
Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3-Month CD
$0
3.80%
▲ 2.36% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.36% above avgNationally 1.96%
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day
$0
3.80%
▲ 2.36% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.36% above avgNationally 1.96%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3-Month CD
$0
3.75%
▲ 2.31% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.31% above avgNationally 1.96%
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3-Month Certificate
$0
3.75%
▲ 2.31% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.31% above avgNationally 1.96%
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.65%
▲ 2.21% above Texas avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.21% above avgNationally 1.96%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day
$0
3.60%
▲ 2.16% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.16% above avgNationally 1.96%
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Jumbo CD
$0
3.60%
▲ 2.16% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.16% above avgNationally 1.96%
Details
Jumbo CDs are for $500,000 and over. Annual Percentage Yield effective as of 08/24/2026. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account.
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
90 Day
$0
3.55%
▲ 2.11% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.11% above avgNationally 1.96%
Details
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.51%
▲ 2.07% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.07% above avgNationally 1.96%
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
3-Month Certificate
$0
3.51%
▲ 2.07% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.07% above avgNationally 1.96%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Month Certificate
$0
3.50%
▲ 2.06% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.06% above avgNationally 1.96%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 3 Month
$0
3.50%
▲ 2.06% above Texas avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.06% above avgNationally 1.96%
Details
$95,000
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Month CD
$1,000
3.50%
▲ 2.06% above Texas avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.06% above avgNationally 1.96%
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$1,000
3.45%
▲ 2.01% above Texas avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 2.01% above avgNationally 1.96%
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
▲ 1.96% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.96% above avgNationally 1.96%
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.40%
▲ 1.96% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.96% above avgNationally 1.96%
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.39%
▲ 1.95% above Texas avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.95% above avgNationally 1.96%
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day
$0
3.35%
▲ 1.91% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months CD
$1,000
3.35%
▲ 1.91% above Texas avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
A penalty may be imposed for early withdrawal
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Months IRA
$1,000
3.35%
▲ 1.91% above Texas avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
A penalty may be imposed for early withdrawal
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35%
▲ 1.91% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificates 3-Month
$0
3.35%
▲ 1.91% above Texas avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.91% above avgNationally 1.96%
Details
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
90 Days
$0
3.30%
▲ 1.86% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.86% above avgNationally 1.96%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30%
▲ 1.86% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.86% above avgNationally 1.96%
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CD - 3 Month
$225,000
3.29%
▲ 1.85% above Texas avg
▼
Rate3.25%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.85% above avgNationally 1.96%
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
90 Day CD
$0
3.29%
▲ 1.85% above Texas avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.85% above avgNationally 1.96%
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Month
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Business 3 Month
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
90 Days
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
Short-term savings made easy. Access your funds quickly while earning interest.
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
90 Day Certificate of Deposit
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3 Month
$0
3.25%
▲ 1.81% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.81% above avgNationally 1.96%
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
3.24%
▲ 1.80% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.80% above avgNationally 1.96%
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo CDs 3 Month
$95,000
3.24%
▲ 1.80% above Texas avg
▼
Rate3.20%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.80% above avgNationally 1.96%
Details
Charter Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
90 day
$0
3.19%
▲ 1.75% above Texas avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average1.44%▲ 1.75% above avgNationally 1.96%
Details
Quemado 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 3)
$99,000
4.20%
▲ 2.19% above Texas avg
▼
Rate4.11%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.19% above avgNationally 2.67%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 3)
$0
4.20%
▲ 2.19% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.19% above avgNationally 2.67%
Details
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 Month CD Offer
$0
4.18%
▲ 2.17% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.17% above avgNationally 2.67%
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
6 Months
$0
4.18%
▲ 2.17% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.17% above avgNationally 2.67%
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
6 Months
$0
4.18%
▲ 2.17% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.17% above avgNationally 2.67%
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
6 Month CD
$0
4.16%
▲ 2.15% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.15% above avgNationally 2.67%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 2)
$0
4.10%
▲ 2.09% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.09% above avgNationally 2.67%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 2)
$0
4.10%
▲ 2.09% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.09% above avgNationally 2.67%
Details
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD
$1,000
4.07%
▲ 2.06% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
APY: Annual Percentage Yield. CD rates based upon in-house rates accurate as of June 22, 2026. A minimum daily balance of $1,000.00 must be maintained for 6-month IRA CD advertised at 4.07% APY. To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$250
4.07%
▲ 2.06% above Texas avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
Age: 0-17
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
4.07%
▲ 2.06% above Texas avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
6 Month
$0
4.07%
▲ 2.06% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$100,001
4.07%
▲ 2.06% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.06% above avgNationally 2.67%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
180 Day
$1,000
4.05%
▲ 2.04% above Texas avg
▼
Rate4.01%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.04% above avgNationally 2.67%
Details
Compounded: ; Credited: At Maturity
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
180 Day EZ Saver
$50
4.05%
▲ 2.04% above Texas avg
▼
Rate4.01%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.04% above avgNationally 2.67%
Details
Compounded: ; Credited: At Maturity
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▲ 2.03% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.03% above avgNationally 2.67%
Details
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month CAMPUS
$500
4.03%
▲ 2.02% above Texas avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.02% above avgNationally 2.67%
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month Members Advantage
$500
4.03%
▲ 2.02% above Texas avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.02% above avgNationally 2.67%
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 6 Month
$0
4.02%
▲ 2.01% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.01% above avgNationally 2.67%
Details
McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6 MONTH HIGH
$100,000
4.02%
▲ 2.01% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.01% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$50,001
4.02%
▲ 2.01% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 2.01% above avgNationally 2.67%
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
6-Month Share Certificate
$1,000
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
180 Day
$0
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.84%
Term Share Accounts(C.D.'S) - 6 Months
$500
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
6 Months
$0
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
6 Month
$0
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
6 Month CD
$0
4.00%
▲ 1.99% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
6 Month Traditional/Roth IRA
$0
4.00%
▲ 1.99% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
Limited Time New Money 6-Month Certificate Special
$500
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Effective 2/26/26
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 6-Month (Tier 1)
$0
4.00%
▲ 1.99% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 6-Month (Tier 1)
$0
4.00%
▲ 1.99% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Business Term Deposit -6 Months
$0
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Minor Term Deposit -6 Months
$250
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Term Deposit -6 Months
$1,000
4.00%
▲ 1.99% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.99% above avgNationally 2.67%
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month
$500
3.98%
▲ 1.97% above Texas avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.97% above avgNationally 2.67%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
6-month Jumbo Share Certificate
$100,000
3.97%
▲ 1.96% above Texas avg
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.96% above avgNationally 2.67%
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
6 Month Certificates
$5,000
3.97%
▲ 1.96% above Texas avg
▼
Rate3.90%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.96% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (6 months)
$1,000
3.97%
▲ 1.96% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.96% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$100,001
3.97%
▲ 1.96% above Texas avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.96% above avgNationally 2.67%
Details
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
6 Month Regular/ IRA
$500
3.95%
▲ 1.94% above Texas avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.94% above avgNationally 2.67%
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 6 Months
$0
3.95%
▲ 1.94% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.94% above avgNationally 2.67%
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$50,001
3.92%
▲ 1.91% above Texas avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.91% above avgNationally 2.67%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 6 Month
$0
3.92%
▲ 1.91% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.91% above avgNationally 2.67%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share Certificate (CD) 6 month
$100,000
3.91%
▲ 1.90% above Texas avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.90% above avgNationally 2.67%
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
6-Month CD
$0
3.90%
▲ 1.89% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.89% above avgNationally 2.67%
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
6 Month CD
$0
3.90%
▲ 1.89% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.89% above avgNationally 2.67%
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 6 Months
$0
3.90%
▲ 1.89% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.89% above avgNationally 2.67%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (6 months)
$1,000
3.87%
▲ 1.86% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.86% above avgNationally 2.67%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 6 Month
$0
3.87%
▲ 1.86% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.86% above avgNationally 2.67%
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
6 Month IRA Share Certificate
$0
3.85%
▲ 1.84% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.01%▲ 1.84% above avgNationally 2.67%
Details
Quemado 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Months
$0
4.34%
▲ 1.92% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.92% above avgNationally 2.83%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 3)
$99,000
4.34%
▲ 1.92% above Texas avg
▼
Rate4.25%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.92% above avgNationally 2.83%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 3)
$0
4.34%
▲ 1.92% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.92% above avgNationally 2.83%
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
12 Months
$0
4.28%
▲ 1.86% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.86% above avgNationally 2.83%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 2)
$0
4.24%
▲ 1.82% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.82% above avgNationally 2.83%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 2)
$0
4.24%
▲ 1.82% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.82% above avgNationally 2.83%
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
12 Months
$0
4.24%
▲ 1.82% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.82% above avgNationally 2.83%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$90,000
4.18%
▲ 1.76% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.76% above avgNationally 2.83%
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month Certificate
$2,000
4.18%
▲ 1.76% above Texas avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.76% above avgNationally 2.83%
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 12 Month Certificate
$2,000
4.18%
▲ 1.76% above Texas avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.76% above avgNationally 2.83%
Details
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Month CD
$0
4.16%
▲ 1.74% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.74% above avgNationally 2.83%
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month CD
$0
4.15%
▲ 1.73% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.73% above avgNationally 2.83%
Details
APY as high as
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
FB-Org Certificate of Deposit [CD] 1 year
$1,000
4.15%
▲ 1.73% above Texas avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.73% above avgNationally 2.83%
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12-month Certificate
$1,000
4.15%
▲ 1.73% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.73% above avgNationally 2.83%
Details
Minimum to Avoid Service Charge: $0
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Business 12-Month Term Share Certificate
$1,000
4.15%
▲ 1.73% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.73% above avgNationally 2.83%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
IRA Share Certificate 12-Month (Tier 1)
$0
4.14%
▲ 1.72% above Texas avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.72% above avgNationally 2.83%
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
Share Certificate 12-Month (Tier 1)
$0
4.14%
▲ 1.72% above Texas avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.72% above avgNationally 2.83%
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month Members Advantage
$500
4.13%
▲ 1.71% above Texas avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.71% above avgNationally 2.83%
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
12 Month
$0
4.13%
▲ 1.71% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.71% above avgNationally 2.83%
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 12 Months
$0
4.11%
▲ 1.69% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.69% above avgNationally 2.83%
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
12 Month
$1,000
4.10%
▲ 1.68% above Texas avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.68% above avgNationally 2.83%
Details
Compounded: Quarterly; Credited: Quarterly
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
12 Month EZ Saver
$50
4.10%
▲ 1.68% above Texas avg
▼
Rate4.04%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.68% above avgNationally 2.83%
Details
Compounded: Quarterly; Credited: Quarterly
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1 Year Certificate
$25,000
4.10%
▲ 1.68% above Texas avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.68% above avgNationally 2.83%
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month
$500
4.08%
▲ 1.66% above Texas avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.66% above avgNationally 2.83%
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
12 Month
$0
4.07%
▲ 1.65% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.65% above avgNationally 2.83%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$25,000
4.07%
▲ 1.65% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.65% above avgNationally 2.83%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (1 year)
$250,001
4.07%
▲ 1.65% above Texas avg
▼
Rate4.00%
Min Deposit$250,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.65% above avgNationally 2.83%
Details
Beaumont Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
IRA & Share Certificates - 12 Months
$0
4.07%
▲ 1.65% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.65% above avgNationally 2.83%
Details
Under $50,000
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
High-Rate Jumbo 12-Month CD
$100,000
4.05%
▲ 1.63% above Texas avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.63% above avgNationally 2.83%
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. UPDATED 6-16-26 | 10:02 AM CST
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 12 Month
$0
4.02%
▲ 1.60% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.60% above avgNationally 2.83%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
12-month Jumbo Share Certificate
$100,000
4.02%
▲ 1.60% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.60% above avgNationally 2.83%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 12-month Jumbo
$100,000
4.02%
▲ 1.60% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.60% above avgNationally 2.83%
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 12-month Jumbo
$100,000
4.02%
▲ 1.60% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.60% above avgNationally 2.83%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (1 year)
$100,001
4.02%
▲ 1.60% above Texas avg
▼
Rate3.95%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.60% above avgNationally 2.83%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share Certificate (CD) 12 month
$100,000
4.01%
▲ 1.59% above Texas avg
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.59% above avgNationally 2.83%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Month Certificate
$0
4.00%
▲ 1.58% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
DATCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA Certificate 12 months
$1,000
4.00%
▲ 1.58% above Texas avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
APY is accurate as of 07/15/2026. A penalty may be imposed for early withdrawal and could reduce earnings on the account.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
1-YEAR CD
$1,000
4.00%
▲ 1.58% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
TEEN Share Certificate of Deposits 1-YEAR CD
$100
4.00%
▲ 1.58% above Texas avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
Age: 13-17
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
12 Month CD
$0
4.00%
▲ 1.58% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
12 Month Traditional/Roth IRA
$0
4.00%
▲ 1.58% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12 Month Certificate
$0
4.00%
▲ 1.58% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 12 Month
$0
4.00%
▲ 1.58% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
$95,000
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Business Term Deposit -12 Months
$0
4.00%
▲ 1.58% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Term Deposit -12 Months
$1,000
4.00%
▲ 1.58% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.58% above avgNationally 2.83%
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 12 Month
$0
3.97%
▲ 1.55% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.55% above avgNationally 2.83%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$1,000
3.97%
▲ 1.55% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.55% above avgNationally 2.83%
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 1 Year
$0
3.97%
▲ 1.55% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.55% above avgNationally 2.83%
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 Year Super
$0
3.97%
▲ 1.55% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.55% above avgNationally 2.83%
Details
Dividend Paid Monthly on Last Day of Month
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (1 year)
$50,001
3.97%
▲ 1.55% above Texas avg
▼
Rate3.90%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.42%▲ 1.55% above avgNationally 2.83%
Details
Quemado 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month CD
$0
4.30%
▲ 1.60% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.60% above avgNationally 2.67%
Details
APY as high as
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
18 Month
$1,000
4.15%
▲ 1.45% above Texas avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.45% above avgNationally 2.67%
Details
Compounded: Quarterly; Credited: Quarterly
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Business 18-Month Term Share Certificate
$1,000
4.10%
▲ 1.40% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.40% above avgNationally 2.67%
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Term Share Certificate
$1,000
4.07%
▲ 1.37% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.37% above avgNationally 2.67%
Details
Dividends Compounded Monthly Dividends Credited Monthly Renewal Automatic with 10-day grace period
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18-month Certificate
$1,000
4.05%
▲ 1.35% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.35% above avgNationally 2.67%
Details
Minimum to Avoid Service Charge: $0
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Months Add-On IRA
$0
4.03%
▲ 1.33% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.33% above avgNationally 2.67%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Super Jumbo Certificate
$225,000
4.01%
▲ 1.31% above Texas avg
▼
Rate3.95%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.31% above avgNationally 2.67%
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 - 18 Months Flex Share Certificate Special
$0
4.00%
▲ 1.30% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.30% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00%
▲ 1.30% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.30% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95%
▲ 1.25% above Texas avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.25% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95%
▲ 1.25% above Texas avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.25% above avgNationally 2.67%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Jumbo Certificate
$95,000
3.91%
▲ 1.21% above Texas avg
▼
Rate3.85%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.21% above avgNationally 2.67%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share Certificate (CD) 18 month
$100,000
3.91%
▲ 1.21% above Texas avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.21% above avgNationally 2.67%
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 18 Months
$0
3.91%
▲ 1.21% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.21% above avgNationally 2.67%
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month
$1,000
3.90%
▲ 1.20% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.20% above avgNationally 2.67%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.85%
▲ 1.15% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.15% above avgNationally 2.67%
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month
$0
3.85%
▲ 1.15% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.15% above avgNationally 2.67%
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month CD
$0
3.85%
▲ 1.15% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.15% above avgNationally 2.67%
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month Traditional/Roth IRA
$0
3.85%
▲ 1.15% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.15% above avgNationally 2.67%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 18 Months
$0
3.82%
▲ 1.12% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.12% above avgNationally 2.67%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 18 Month
$100
3.80%
▲ 1.10% above Texas avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
Compounded: Quarterly; Credited: Quarterly
Morris Sheppard Texarkana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18-Month CD
$1,000
3.80%
▲ 1.10% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18-Month Share Certificate
$1,000
3.80%
▲ 1.10% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 month
$100
3.80%
▲ 1.10% above Texas avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Certificate
$0
3.80%
▲ 1.10% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▲ 1.10% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18 Month Term Share Certificates
$0
3.80%
▲ 1.10% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$0
3.80%
▲ 1.10% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 18 Months
$0
3.80%
▲ 1.10% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.10% above avgNationally 2.67%
Details
JUMBO
ACFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
18 Month No Penalty Certificate
$1,000
3.79%
▲ 1.09% above Texas avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.09% above avgNationally 2.67%
Details
No Penalty
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Months
$0
3.76%
▲ 1.06% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.06% above avgNationally 2.67%
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
IRA Certificate 18 month
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Certificate
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18 months
$1,000
3.75%
▲ 1.05% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Dividends Compounded Credited: Monthly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month CD
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month Standard IRA CD
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Business 18 Month CD
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
LCRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18 Month Regular/ IRA
$500
3.75%
▲ 1.05% above Texas avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
18 Month Certificate
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month CD
$0
3.75%
▲ 1.05% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 18 Months
$1,000
3.75%
▲ 1.05% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 18 Months
$1,000
3.75%
▲ 1.05% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.05% above avgNationally 2.67%
Details
JUMBO $95,000+
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
18-Month CD
$0
3.70%
▲ 1.00% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.00% above avgNationally 2.67%
Details
FNB of Sonora
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
18 Months
$0
3.70%
▲ 1.00% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.00% above avgNationally 2.67%
Details
Longer-term planning without locking in for too long. Maximize your interest safely.
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Bump Rate CD - 18 Months
$0
3.70%
▲ 1.00% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.00% above avgNationally 2.67%
Details
Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month IRA Certificate
$0
3.70%
▲ 1.00% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.00% above avgNationally 2.67%
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
18-Month Certificate
$0
3.70%
▲ 1.00% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 1.00% above avgNationally 2.67%
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Certificate
$0
3.69%
▲ 0.99% above Texas avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.70%▲ 0.99% above avgNationally 2.67%
Details
Quemado 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
24 Months
$0
4.44%
▲ 1.56% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.56% above avgNationally 2.71%
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month CD
$0
4.30%
▲ 1.42% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.42% above avgNationally 2.71%
Details
APY as high as
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$90,000
4.28%
▲ 1.40% above Texas avg
▼
Rate4.20%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.40% above avgNationally 2.71%
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
24-month CD
$1,000
4.25%
▲ 1.37% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.37% above avgNationally 2.71%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
24 Month
$1,000
4.20%
▲ 1.32% above Texas avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.32% above avgNationally 2.71%
Details
Compounded: Quarterly; Credited: Quarterly
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 24 Months
$0
4.20%
▲ 1.32% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.32% above avgNationally 2.71%
Details
Callable CD
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$25,000
4.18%
▲ 1.30% above Texas avg
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.30% above avgNationally 2.71%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10%
▲ 1.22% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.22% above avgNationally 2.71%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$1,000
4.07%
▲ 1.19% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.19% above avgNationally 2.71%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
2 Years
$10,000
4.05%
▲ 1.17% above Texas avg
▼
Rate3.97%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.17% above avgNationally 2.71%
Details
Compounded: Daily, Credited: At Maturity
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05%
▲ 1.17% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.17% above avgNationally 2.71%
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 Months
$0
4.03%
▲ 1.15% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.15% above avgNationally 2.71%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
2 Year
$0
4.02%
▲ 1.14% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.14% above avgNationally 2.71%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00%
▲ 1.12% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.12% above avgNationally 2.71%
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1 to 2 Years
$1,000
4.00%
▲ 1.12% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.12% above avgNationally 2.71%
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 90 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 1 to 2 Years
$1,000
4.00%
▲ 1.12% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.12% above avgNationally 2.71%
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
24 Month Certificate
$2,000
3.97%
▲ 1.09% above Texas avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.09% above avgNationally 2.71%
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 24 Month Certificate
$2,000
3.97%
▲ 1.09% above Texas avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.09% above avgNationally 2.71%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$95,000
3.97%
▲ 1.09% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.09% above avgNationally 2.71%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 2 Year
$0
3.92%
▲ 1.04% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.04% above avgNationally 2.71%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24-Month Super Jumbo Certificate
$225,000
3.91%
▲ 1.03% above Texas avg
▼
Rate3.85%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.03% above avgNationally 2.71%
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 24 Months
$0
3.91%
▲ 1.03% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.03% above avgNationally 2.71%
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2-YEAR CD
$1,000
3.90%
▲ 1.02% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.02% above avgNationally 2.71%
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
TEEN Share Certificate of Deposits 2-YEAR CD
$100
3.90%
▲ 1.02% above Texas avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 1.02% above avgNationally 2.71%
Details
Age: 13-17
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
24 Month
$0
3.87%
▲ 0.99% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.99% above avgNationally 2.71%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$500
3.87%
▲ 0.99% above Texas avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.99% above avgNationally 2.71%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 24 Month
$100
3.85%
▲ 0.97% above Texas avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.97% above avgNationally 2.71%
Details
Compounded: Quarterly; Credited: Quarterly
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
24 Month
$0
3.85%
▲ 0.97% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.97% above avgNationally 2.71%
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
2 Year CD
$100,000
3.85%
▲ 0.97% above Texas avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.97% above avgNationally 2.71%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month IRA Share CD
$0
3.84%
▲ 0.96% above Texas avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.96% above avgNationally 2.71%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month Jumbo Share CD
$0
3.84%
▲ 0.96% above Texas avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.96% above avgNationally 2.71%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
2 YEAR CERTIFICATE
$95,000
3.82%
▲ 0.94% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.94% above avgNationally 2.71%
Details
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Months
$0
3.82%
▲ 0.94% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.94% above avgNationally 2.71%
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
2-year CD Rate
$0
3.81%
▲ 0.93% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.93% above avgNationally 2.71%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24-Month Jumbo Certificate
$95,000
3.80%
▲ 0.92% above Texas avg
▼
Rate3.75%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.92% above avgNationally 2.71%
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month IRA Term Share Certificates
$1,000
3.80%
▲ 0.92% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.92% above avgNationally 2.71%
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24 Month Term Share Certificates
$0
3.80%
▲ 0.92% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.92% above avgNationally 2.71%
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month CD
$0
3.80%
▲ 0.92% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.92% above avgNationally 2.71%
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Traditional/Roth IRA
$0
3.80%
▲ 0.92% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.92% above avgNationally 2.71%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 24 Months
$0
3.80%
▲ 0.92% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.92% above avgNationally 2.71%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 24 Months
$0
3.80%
▲ 0.92% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.92% above avgNationally 2.71%
Details
JUMBO
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month Jr Jumbo Share CD
$0
3.78%
▲ 0.90% above Texas avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.90% above avgNationally 2.71%
Details
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2 Year CD
$1,000
3.75%
▲ 0.87% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2 Year IRA
$1,000
3.75%
▲ 0.87% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Business 2 Year CD
$1,000
3.75%
▲ 0.87% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Morris Sheppard Texarkana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
24-Month CD
$1,000
3.75%
▲ 0.87% above Texas avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 2 Year
$0
3.75%
▲ 0.87% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
24 Month Certificate
$0
3.75%
▲ 0.87% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month Term Share Certificate
$1,000
3.75%
▲ 0.87% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
24 Month IRA Share Certificate
$0
3.75%
▲ 0.87% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average2.88%▲ 0.87% above avgNationally 2.71%
Details
Quemado 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Capital Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
36 Months
$0
4.49%
▲ 1.29% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 1.29% above avgNationally 2.66%
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month CD
$0
4.40%
▲ 1.20% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 1.20% above avgNationally 2.66%
Details
APY as high as
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$90,000
4.18%
▲ 0.98% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.98% above avgNationally 2.66%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 36 Months / 3 Years
$0
4.15%
▲ 0.95% above Texas avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.95% above avgNationally 2.66%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
36 Month
$1,000
4.10%
▲ 0.90% above Texas avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.90% above avgNationally 2.66%
Details
Compounded: Quarterly; Credited: Quarterly
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10%
▲ 0.90% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.90% above avgNationally 2.66%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$25,000
4.07%
▲ 0.87% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.87% above avgNationally 2.66%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$95,000
4.07%
▲ 0.87% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.87% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05%
▲ 0.85% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.85% above avgNationally 2.66%
Details
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Year CD
$1,000
4.00%
▲ 0.80% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Year IRA
$1,000
4.00%
▲ 0.80% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Business 3 Year CD
$1,000
4.00%
▲ 0.80% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
3 Years
$10,000
4.00%
▲ 0.80% above Texas avg
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Compounded: Daily, Credited: At Maturity
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 36 Months
$0
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
2 to 3 Years
$1,000
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 2 to 3 Years
$1,000
4.00%
▲ 0.80% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.80% above avgNationally 2.66%
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$1,000
3.97%
▲ 0.77% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.77% above avgNationally 2.66%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$500
3.97%
▲ 0.77% above Texas avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.77% above avgNationally 2.66%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3 Year
$0
3.97%
▲ 0.77% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.77% above avgNationally 2.66%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36-Month Super Jumbo Certificate
$225,000
3.96%
▲ 0.76% above Texas avg
▼
Rate3.90%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.76% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
3.95%
▲ 0.75% above Texas avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.75% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95%
▲ 0.75% above Texas avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.75% above avgNationally 2.66%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$95,000
3.92%
▲ 0.72% above Texas avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.72% above avgNationally 2.66%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month IRA Share CD
$0
3.92%
▲ 0.72% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.72% above avgNationally 2.66%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month Jumbo Share CD
$0
3.92%
▲ 0.72% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.72% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$1,000
3.90%
▲ 0.70% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.70% above avgNationally 2.66%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month Jr Jumbo Share CD
$0
3.87%
▲ 0.67% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.67% above avgNationally 2.66%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates - 3 Year
$0
3.87%
▲ 0.67% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.67% above avgNationally 2.66%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 3 Year
$0
3.87%
▲ 0.67% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.67% above avgNationally 2.66%
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 36 Months
$0
3.86%
▲ 0.66% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.66% above avgNationally 2.66%
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36-Month Jumbo Certificate
$95,000
3.85%
▲ 0.65% above Texas avg
▼
Rate3.80%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.65% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month IRA Share Certificate
$0
3.85%
▲ 0.65% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.65% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month Share Certificate
$0
3.85%
▲ 0.65% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.65% above avgNationally 2.66%
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Year CD
$100,000
3.85%
▲ 0.65% above Texas avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.65% above avgNationally 2.66%
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▲ 0.62% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.62% above avgNationally 2.66%
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$500
3.82%
▲ 0.62% above Texas avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.62% above avgNationally 2.66%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month Share CD
$0
3.82%
▲ 0.62% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.62% above avgNationally 2.66%
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
3-year CD Rate
$0
3.81%
▲ 0.61% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.61% above avgNationally 2.66%
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
36 Month IRA Term Share Certificates
$1,000
3.80%
▲ 0.60% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.60% above avgNationally 2.66%
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
36 Month Term Share Certificates
$0
3.80%
▲ 0.60% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.60% above avgNationally 2.66%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 36 Months
$0
3.80%
▲ 0.60% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.60% above avgNationally 2.66%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 36 Months
$0
3.80%
▲ 0.60% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.60% above avgNationally 2.66%
Details
JUMBO
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 3 Year
$0
3.76%
▲ 0.56% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.56% above avgNationally 2.66%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 36 Month
$100
3.75%
▲ 0.55% above Texas avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
Compounded: Quarterly; Credited: Quarterly
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36-Month Share Certificate
$1,000
3.75%
▲ 0.55% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month IRA Share Certificate
$0
3.75%
▲ 0.55% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month Share Certificate
$0
3.75%
▲ 0.55% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
36-month IRA
$0
3.75%
▲ 0.55% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.20%▲ 0.55% above avgNationally 2.66%
Details
Quemado 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$90,000
4.18%
▲ 0.99% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.99% above avgNationally 2.65%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
48 Month
$1,000
4.15%
▲ 0.96% above Texas avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.96% above avgNationally 2.65%
Details
Compounded: Quarterly; Credited: Quarterly
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 48 Months / 4 Years
$0
4.15%
▲ 0.96% above Texas avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.96% above avgNationally 2.65%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$25,000
4.07%
▲ 0.88% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.88% above avgNationally 2.65%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Super Jumbo Certificate
$225,000
4.01%
▲ 0.82% above Texas avg
▼
Rate3.95%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.82% above avgNationally 2.65%
Details
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
4 Year CD
$1,000
4.00%
▲ 0.81% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average3.19%▲ 0.81% above avgNationally 2.65%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
4 Year IRA
$1,000
4.00%
▲ 0.81% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average3.19%▲ 0.81% above avgNationally 2.65%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Business 4 Year CD
$1,000
4.00%
▲ 0.81% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average3.19%▲ 0.81% above avgNationally 2.65%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Bump-Up Jumbo and Jumbo Plus Certificates 48 Months
$0
4.00%
▲ 0.81% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.81% above avgNationally 2.65%
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
3 to 4 Years
$1,000
4.00%
▲ 0.81% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.81% above avgNationally 2.65%
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 3 to 4 Years
$1,000
4.00%
▲ 0.81% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.81% above avgNationally 2.65%
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$1,000
3.97%
▲ 0.78% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.78% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$100,001
3.97%
▲ 0.78% above Texas avg
▼
Rate3.90%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.78% above avgNationally 2.65%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
4 Year
$0
3.97%
▲ 0.78% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.78% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$50,001
3.92%
▲ 0.73% above Texas avg
▼
Rate3.85%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.73% above avgNationally 2.65%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Jumbo Certificate
$95,000
3.91%
▲ 0.72% above Texas avg
▼
Rate3.85%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.72% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.90%
▲ 0.71% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.71% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.90%
▲ 0.71% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.71% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$1,000
3.87%
▲ 0.68% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.68% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$100,001
3.87%
▲ 0.68% above Texas avg
▼
Rate3.80%
Min Deposit$100,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.68% above avgNationally 2.65%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates - 4 Year
$0
3.87%
▲ 0.68% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.68% above avgNationally 2.65%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 4 Year
$0
3.87%
▲ 0.68% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.68% above avgNationally 2.65%
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 48 Months
$0
3.86%
▲ 0.67% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.67% above avgNationally 2.65%
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.85%
▲ 0.66% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.66% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.85%
▲ 0.66% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.66% above avgNationally 2.65%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48-month IRA
$0
3.85%
▲ 0.66% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.66% above avgNationally 2.65%
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▲ 0.63% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.63% above avgNationally 2.65%
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$50,001
3.82%
▲ 0.63% above Texas avg
▼
Rate3.75%
Min Deposit$50,001
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.63% above avgNationally 2.65%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 48 Month
$100
3.80%
▲ 0.61% above Texas avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
Compounded: Quarterly; Credited: Quarterly
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48-Month Share Certificate
$1,000
3.80%
▲ 0.61% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.80%
▲ 0.61% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.80%
▲ 0.61% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
48 Month Term Share Certificates
$0
3.80%
▲ 0.61% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$0
3.80%
▲ 0.61% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 48 Months
$0
3.80%
▲ 0.61% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.61% above avgNationally 2.65%
Details
JUMBO
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Share Certificates (4 year)
$1,000
3.76%
▲ 0.57% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.57% above avgNationally 2.65%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 4 Year
$0
3.76%
▲ 0.57% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.57% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.75%
▲ 0.56% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.75%
▲ 0.56% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
48 months - Bump Up
$1,000
3.75%
▲ 0.56% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
Dividends Compounded Credited: Monthly
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48-month Tier
$0
3.75%
▲ 0.56% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Month Certificate
$0
3.75%
▲ 0.56% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 48 Month
$0
3.75%
▲ 0.56% above Texas avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
$95,000
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 48 Months
$1,000
3.75%
▲ 0.56% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 48 Months
$1,000
3.75%
▲ 0.56% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.56% above avgNationally 2.65%
Details
JUMBO $95,000+
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
48 Month
$0
3.70%
▲ 0.51% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.51% above avgNationally 2.65%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Business 48 Month
$0
3.70%
▲ 0.51% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.51% above avgNationally 2.65%
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
IRA Certificate 48 month
$0
3.70%
▲ 0.51% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.51% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA Share Certificate
$0
3.70%
▲ 0.51% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.51% above avgNationally 2.65%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
3.70%
▲ 0.51% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.19%▲ 0.51% above avgNationally 2.65%
Details
Quemado 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Callable CD 60 Months
$0
4.50%
▲ 1.28% above Texas avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 1.28% above avgNationally 2.76%
Details
Callable CD
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
60 Month
$1,000
4.20%
▲ 0.98% above Texas avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.76%
Details
Compounded: Quarterly; Credited: Quarterly
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$90,000
4.18%
▲ 0.96% above Texas avg
▼
Rate4.10%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.96% above avgNationally 2.76%
Details
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo CDs - 60 Months
$0
4.11%
▲ 0.89% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.89% above avgNationally 2.76%
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.10%
▲ 0.88% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month IRA Special
$0
4.10%
▲ 0.88% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Jumbo
$100,000
4.10%
▲ 0.88% above Texas avg
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.76%
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$25,000
4.07%
▲ 0.85% above Texas avg
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.76%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60-Month Super Jumbo Certificate
$225,000
4.06%
▲ 0.84% above Texas avg
▼
Rate4.00%
Min Deposit$225,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.84% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05%
▲ 0.83% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.83% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier Mini Jumbo
$50,000
4.05%
▲ 0.83% above Texas avg
▼
Rate3.98%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.83% above avgNationally 2.76%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month IRA Share CD
$0
4.02%
▲ 0.80% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.80% above avgNationally 2.76%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jumbo Share CD
$0
4.02%
▲ 0.80% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.80% above avgNationally 2.76%
Details
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
5 Year CD
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
5 Year IRA
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Harmony Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Business 5 Year CD
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 21, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Compounded quarterly. Rates provided directly by the institution (not published online).
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60-month Tier
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Business Certificates of Deposit - 60 Months Tier
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
4 to 5 Years
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
5 Years
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 4 to 5 Years
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Business 5 Years
$1,000
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Jumbo APY ($100k Minimum): 4.05%, Jumbo Dividend Rate ($100k minimum): 3.98%, Early Withdrawal Penalty: 240 Days' Dividends
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 60 Months
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.76%
Details
JUMBO
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$1,000
3.97%
▲ 0.75% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.75% above avgNationally 2.76%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jr Jumbo Share CD
$0
3.97%
▲ 0.75% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.75% above avgNationally 2.76%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
5 Year
$0
3.97%
▲ 0.75% above Texas avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.75% above avgNationally 2.76%
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60-Month Jumbo Certificate
$95,000
3.96%
▲ 0.74% above Texas avg
▼
Rate3.90%
Min Deposit$95,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.74% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
3.95%
▲ 0.73% above Texas avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$50,000
3.95%
▲ 0.73% above Texas avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.76%
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
60 Months
$50,000
3.95%
▲ 0.73% above Texas avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.76%
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Share CD
$0
3.92%
▲ 0.70% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.70% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
3.90%
▲ 0.68% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
3.90%
▲ 0.68% above Texas avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$1,000
3.90%
▲ 0.68% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.76%
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Accounts/Certificates of Deposit - 60 Months
$1,000
3.90%
▲ 0.68% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.76%
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Term Share Certificates/Certificates of Deposit - 60 Months
$1,000
3.90%
▲ 0.68% above Texas avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.76%
Details
JUMBO $95,000+
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates - 5 Year
$0
3.87%
▲ 0.65% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.65% above avgNationally 2.76%
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Term Share Certificates 5 Year
$0
3.87%
▲ 0.65% above Texas avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.65% above avgNationally 2.76%
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
IRA Certificates 60 Month
$100
3.85%
▲ 0.63% above Texas avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.76%
Details
Compounded: Quarterly; Credited: Quarterly
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60-Month Share Certificate
$1,000
3.85%
▲ 0.63% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.76%
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
Business Certificate 60 Months / 5 Years
$0
3.85%
▲ 0.63% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA Share Certificate
$0
3.85%
▲ 0.63% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.76%
Details
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Share Certificate
$0
3.85%
▲ 0.63% above Texas avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.76%
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Quemado, TX CD Rate Trends
Compare local Quemado, TX CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — TX Avg
2.420%
▼ 0.558 vs 7 days ago
Texas 12-month CD rates fell 0.558 points over the past 7 days to 2.420% APY.
6-Month CD — TX Avg
2.013%
▼ 1.002 vs 7 days ago
Texas 6-month CD rates fell 1.002 points over the past 7 days to 2.013% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.420%
6-Month Forecast
2.420%
Range: 2.22% – 2.57%
12-Month Forecast
2.170%
Range: 1.97% – 2.32%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.442% | $72.08 | $144.15 | $360.38 | $720.75 |
| 6-Month CD | 2.013% | $100.64 | $201.28 | $503.20 | $1,006.40 |
| 12-Month CD | 2.420% | $121.00 | $242.00 | $605.00 | $1,210.00 |
| 18-Month CD | 2.703% | $135.15 | $270.30 | $675.75 | $1,351.50 |
| 24-Month CD | 2.881% | $144.07 | $288.13 | $720.32 | $1,440.65 |
| 36-Month CD | 3.196% | $159.77 | $319.55 | $798.87 | $1,597.75 |
| 48-Month CD | 3.193% | $159.67 | $319.34 | $798.35 | $1,596.70 |
| 60-Month CD | 3.217% | $160.86 | $321.71 | $804.28 | $1,608.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Quemado, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.442% | $72.08 |
| 2 | 6-Month CD | $5,000 | 2.013% | $100.64 |
| 3 | 12-Month CD | $5,000 | 2.420% | $121.00 |
| 4 | 24-Month CD | $5,000 | 2.881% | $144.07 |
| 5 | 36-Month CD | $5,000 | 3.196% | $159.77 |
| Total ($25,000 invested) | $25,000 | 2.390% blended | $597.56/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,885
CD Rates
Tracked in Quemado, Texas
Tracked in Quemado, Texas
42 Banks
105 Credit Unions
About Our Quemado, Texas CD Rate Database
MonitorBankRates tracks 1,885 CD rates from 42 banks and 105 credit unions with locations in Quemado, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Texas Bay Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Quemado, Texas.
How to Find the Best CD Rates in Quemado, Texas
What to compare when shopping for a CD in Quemado, Texas
To find the best APYs in Quemado, Texas, start with credit unions and online-only banks — Quemado, Texas has 105 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 Quemado, 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 Quemado, Texas — 147 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Quemado, 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 Quemado, Texas money market rates
Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$44,072
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$107/yr
At TX 12-mo avg 2.420% APY
13.4% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.420%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $107 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 Quemado, Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Quemado, Texas
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Quemado, 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 Quemado, Texas as everywhere in the U.S.
Choosing a CD Term in Quemado, Texas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Quemado, Texas savers easier access to their funds. For example, 5Point Credit Union is offering its IRA Share Certificate 6-Month (Tier 3) at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Texas Bay Credit Union is offering its Callable CD 60 Months at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Quemado, Texas Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Quemado, Texas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Quemado, Texas
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Quemado, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Quemado, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Quemado, 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 Quemado, Texas
Are CD rates in Quemado, Texas FDIC insured?
Yes, most established banks in Quemado, 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 Quemado, 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 Quemado, 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 Quemado, 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 Quemado, Texas?
Here are recent top rates found for this area:
- Texas Bay Credit Union: 4.50% APY (Callable CD 60 Months)
- Gulf Capital Bank: 4.49% APY (36 Months)
- MapleMark Bank: 4.40% APY (36 Month CD)
- Fort Worth Community Credit Union: 4.34% APY (12 Months)
- 5Point Credit Union: 4.34% APY (IRA Share Certificate 12-Month (Tier 3))
- Members Trust of the Southwest Federal Credit Union: 4.28% APY (2 Years)
- Crescent Bank: 4.25% APY (24-month CD)
- Eastex Credit Union: 4.24% APY (12 Months)
- Ciera Bank: 4.20% APY (24 Month)
- Bank of South Texas: 4.18% APY (6 Month CD Offer)
Rates reflect recent verified offers available in Quemado, Texas. Last Updated: August 28, 2026
Quemado, 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 Quemado, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Quemado, Texas
Quemado, Texas CD Calculator
At today’s TX top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Quemado, Texas CD LadderTX CD rates currently range from 1.442% (3-month) to 3.196% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Quemado, Texas CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.420% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Quemado, 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 Quemado, 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 Quemado, Texas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: August 28, 2026
Quemado, Texas Rates & Resources
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