Rio Medina, Texas CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Rio Medina, Texas CD rates include ADVANCIALADVANCIALA+5.0 ★Texas Ratio: 9.94%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificate at 4.34% APY, Neches Federal Credit UnionNeches Federal Credit UnionA+5.0 ★Texas Ratio: 1.42%Real return: +1.45%APY minus CPI (February 2026) offering IRA Shares 12 months at 4.25% APY, US Employees Credit UnionUS Employees Credit UnionA+5.0 ★Texas Ratio: 1.38%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month CD at 4.25% APY, Lifetime Federal Credit UnionLifetime Federal Credit UnionA+5.0 ★Texas Ratio: 3.14%Real return: +1.38%APY minus CPI (February 2026) offering IRA / 12 Month Certificate at 4.18% APY, and T BankT BankA+5.0 ★Texas Ratio: 1.84%Real return: +1.36%APY minus CPI (February 2026) offering 12 Month at 4.16% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Rio Medina is a smaller community with no bank or credit union branches currently in our database. 756 institutions serving the Texas area are available to Rio Medina residents, with CD rates as high as 4.34% APY from ADVANCIAL. 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: June 16, 2026
Compare Best CD Rates in Rio Medina, Texas & the Surrounding Area
Rio Medina 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Momentum Share Certificate 3 Month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
3 Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500,000+
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500,000+
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balance: Less than $50,000
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
A penalty may be imposed for early withdrawal. Rates and APY as of 1/22/2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 3-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 3 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share 90 day
$100,000
2.88%
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Existing Member New Member
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Share Certificates 3 Months
$1,000
2.84%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
90 day
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
Business Certificate Accounts 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
IRA Certificates 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Mini CDs - 3 Month
$50,000
2.47%
▼
Rate2.45%
Min Deposit$50,000
Min Balance—
UpdatedJun 16, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
90 day
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
90 Day Jumbo
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer Only
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 11, 2026
Details
3 Mo Certificate - $10k: 172% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 2.22% APY compared to 0.82% APY for the Charlotte Metro market average over the life of a 3 month share certificate at $10,000.
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Rio Medina 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Branch $1,000 Minimum Deposit
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 6 months
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
Jumbo 6-Month Share Certificate
$0
4.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Only available June 8-26. Requires a minimum of $50,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Golden Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
180-Day CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Requires a minimum $20,000 deposit of new money. Promotion period: Effective immediately through June 30, 2026.
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CD
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal. Member FDIC
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 23.29%
6 Months
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
3.95%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
For kids and Teens (age 0-17). Compounded monthly.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 6 Month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 mos. Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 mos. IRA Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 mos. Roth IRA Cert
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
6 months Share Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
*APY = Annual Percentage Yield
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 6 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Month IRA Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
not available for IRAs
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Boost Term Share
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
6 month term
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
6 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
6 Month Share Certificate/IRA
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer Only
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6-Month Term Share Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Natural Resources Conservation Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
6 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New Member/New Money
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
6 Month Certificate
$100,000
3.68%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Alcon Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 month special
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Rio Medina 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 12 months
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 12 Month Certificate
$2,000
4.18%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Branch $1,000 Minimum Deposit
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$90,000
4.13%
▼
Rate4.05%
Min Deposit$90,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month Certificate
$0
4.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 12 Month
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$25,000
4.02%
▼
Rate3.95%
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
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%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
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%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 mos. Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
$25,000- $99,999
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 mos. Roth IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 mos. IRA Cert
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1 Year IRA Certificate
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Earn 4.00% APY when you open a new CD with $10,000 or more in new money. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 12 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1 Year Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 12 Month
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 Year Super
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Paid Monthly on Last Day of Month
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1 Year Super Jumbo
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Savings; Roll Back to Certificate
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 1 Year
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
12 month Promotional Online CD
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
High-Rate Jumbo 12-Month CD
$100,000
3.95%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
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. Call for rates and APY on additional minimum balances.
Community Bank & Trust, Waco, Texas
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
12 Months CD
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Limited time CD yield.
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1 Year
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
IRA Share Certificate 12 Month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12 month
$100
3.91%
▼
Rate3.85%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.84%, Annual Percentage Yield $10,000 - $49,999.99: 3.91%, Dividend Rate $50,000 - $99,999.99: 3.84%, Annual Percentage Yield $50,000 - $99,999.99: 3.91%, Dividend Rate $100,000 and over: 3.84%, Annual Percentage Yield $100,000 and over: 3.91%
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
12 months Share Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
*APY = Annual Percentage Yield
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 Month CD (also IRA)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
also IRA
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Months
$0
3.88%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
12 Month Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
12 Month IRA Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
1 Year Puppy Pak
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
1 Year Teen
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Member Preferred Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
12 MONTHS
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 12 MONTHS
$95,000
3.87%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
IRA CD 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
12-month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Grow your savings faster.
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
12 Month Term Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 12 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rio Medina 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate of Deposit Special!
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividends Compounded: Monthly; Dividends Credited: Monthly; Renewal: Automatic with 10-day grace period
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 - 18 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances greater than $9,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 mo.
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 month
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$75,000
3.80%
▼
Rate3.74%
Min Deposit$75,000
Min Balance—
UpdatedJun 16, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 mos. Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 mos. IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 mos. Roth IRA Cert
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18-month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$20,000
3.75%
▼
Rate3.69%
Min Deposit$20,000
Min Balance—
UpdatedJun 16, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18 months
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 18 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 18 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
18 Month CD
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month IRA Certificate
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$5,000
3.69%
▼
Rate3.63%
Min Deposit$5,000
Min Balance—
UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
18 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month Certificate
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Educational IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Roth IRA Certificate 18 MO
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 18 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
SuperSaver Certificate 18 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate 18-month Jumbo
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificates 18-month Jumbo
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
18 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
18 Month Certificate (IRA)
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
IRA Term Share Certificates - 18 Months Add-On IRA
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Fort Worth Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
IRA Term Share Certificates 18 Months Add-On IRA*
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Minimum Deposit to Open is $1,000; Except 18 Month Term is $500*
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.45%
Teen Club CDs 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rio Medina 24 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%
2 Years
$90,000
4.07%
▼
Rate4.00%
Min Deposit$90,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$25,000
3.97%
▼
Rate3.90%
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 24 Month Certificate
$2,000
3.97%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJun 16, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$95,000
3.97%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24 mo.
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 24 MONTHS
$500
3.87%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Years
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
2 YEAR CERTIFICATE
$95,000
3.82%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Regular & IRA Certificates 24 Month
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
24 Month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
2 YEAR CERTIFICATE
$500
3.71%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 24 Months
$95,000
3.70%
▼
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2 Year IRA Certificate
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.63%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Jumbo Term Share 2 year
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Regular & IRA Certificates 24 Month
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month IRA Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 24 Months
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2 Year Certificate
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
24 months
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
24 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 2 Year
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
24 Months
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Member Preferred Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
24 MONTHS
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Boost Term Share
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
24 month term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
2 Year
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Shares; Roll Back to Certificate
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
24 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2 year
$100
3.55%
▼
Rate3.50%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
24 Month IRA Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rio Medina 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$95,000
4.07%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$90,000
4.02%
▼
Rate3.95%
Min Deposit$90,000
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
36 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
One great rate.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
IRA 36 MONTHS
$500
3.97%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36 mo.
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$95,000
3.92%
▼
Rate—
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$25,000
3.92%
▼
Rate3.85%
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Variable
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates 3 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
3 YEAR CERTIFICATE
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Years
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 3 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3 Year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
EXISTING MEMBER NEW MEMBER
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 36 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
36 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 36 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
36 Months / 3 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
3 Year Share Certificate/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 month term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3 Year
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Shares; Roll Back to Certificate
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
36 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded Credited: Monthly
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
36 Month IRA Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
36 Month Term Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 36 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
36 mos. Roth IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
36 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rio Medina 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
4.02%
▼
Rate3.95%
Min Deposit$90,000
Min Balance—
UpdatedJun 16, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48 mo.
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$25,000
3.92%
▼
Rate3.85%
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4 Years
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 4 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
48 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 4 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 48 Months
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 48 Months
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months / 4 Years
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
48 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 48 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
TERM IRA SHARE CERTIFICATES - 48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
4 Year Share Certificate/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 mos. Roth IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4 Year IRA Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 mos. Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4 Year Certificate
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Boost Term Share
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months / 4 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
IRA Share Certificates 87 / 48 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Int. Monthly
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
ROTH IRA Share Certificates 67 / 48 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
TERM IRA SHARE CERTIFICATES - 48 Months
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Share Certificates 4 Years
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 48-Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
Regular Certificate 48 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings.
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
4 Year CD
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
4 Year IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA Certificate
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rio Medina 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
Jumbo, 5 Year Term Certificate
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60 mo.
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$90,000
4.02%
▼
Rate3.95%
Min Deposit$90,000
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$25,000
3.92%
▼
Rate3.85%
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Jumbo Step Up Certificates 5 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5 Years
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Step Up Certificates 5 Year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 60 Months
$95,000
3.75%
▼
Rate3.68%
Min Deposit$95,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Term Share Account/Certificate of Deposit - 60 Months
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
60 Months / 5 Years
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
JUMBO $95,000+
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
Mini-Jumbo Share Certificate/IRA 5 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
60 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
TERM IRA SHARE CERTIFICATES - 60 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA Shares 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Union of Texas
Institution Rating:
A-5.0 ★Texas Ratio: 13.82%
60 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 month term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Share Certificates 5 Years
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5 Year Share Certificate/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Boost Term Share
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
60 Months / 5 Years
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 mos. Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 mos. IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 mos. Roth IRA Cert
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
60 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
IRA Share Certificates 88 / 60 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Int. Monthly
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
ROTH IRA Share Certificates 68 / 60 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
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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Rio Medina, TX CD Rate Trends
Compare local Rio Medina, 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
2.452%
▼ 0.206 vs 7 days ago
Texas 12-month CD rates fell 0.206 points over the past 7 days to 2.452% APY.
6-Month CD — TX Avg
2.003%
▼ 0.227 vs 7 days ago
Texas 6-month CD rates fell 0.227 points over the past 7 days to 2.003% APY.
As of Jun 17, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.452%
6-Month Forecast
2.452%
Range: 2.25% – 2.60%
12-Month Forecast
2.202%
Range: 2.00% – 2.35%
Powered by
MonitorBankRates
What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.081% | $104.05 | $208.09 | $520.23 | $1,040.45 |
| 6-Month CD | 2.003% | $100.15 | $200.30 | $500.75 | $1,001.50 |
| 12-Month CD | 2.452% | $122.61 | $245.22 | $613.05 | $1,226.10 |
| 18-Month CD | 2.630% | $131.51 | $263.01 | $657.53 | $1,315.05 |
| 24-Month CD | 2.639% | $131.95 | $263.89 | $659.73 | $1,319.45 |
| 36-Month CD | 3.037% | $151.86 | $303.71 | $759.28 | $1,518.55 |
| 48-Month CD | 2.981% | $149.03 | $298.06 | $745.15 | $1,490.30 |
| 60-Month CD | 3.030% | $151.48 | $302.95 | $757.38 | $1,514.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Rio Medina, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.081% | $104.05 |
| 2 | 6-Month CD | $5,000 | 2.003% | $100.15 |
| 3 | 12-Month CD | $5,000 | 2.452% | $122.61 |
| 4 | 24-Month CD | $5,000 | 2.639% | $131.95 |
| 5 | 36-Month CD | $5,000 | 3.037% | $151.86 |
| Total ($25,000 invested) | $25,000 | 2.442% blended | $610.62/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.
1,205
CD Rates
Tracked in Rio Medina, Texas
Tracked in Rio Medina, Texas
44 Banks
85 Credit Unions
About Our Rio Medina, Texas CD Rate Database
MonitorBankRates tracks 1,205 CD rates from 44 banks and 85 credit unions with locations in Rio Medina, 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: ADVANCIAL offers a CD at 4.34% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Rio Medina, Texas.
How to Find the Best CD Rates in Rio Medina, Texas
What to compare when shopping for a CD in Rio Medina, Texas
To find the best APYs in Rio Medina, Texas, start with credit unions and online-only banks — Rio Medina, Texas has 85 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 Rio Medina, 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 Rio Medina, Texas — 129 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Rio Medina, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Rio Medina, 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
$108/yr
At TX 12-mo avg 2.452% 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 2.452%, saving 10% of the local median salary ($4,407/year) and putting it in a CD would earn an additional $108 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 Rio Medina, 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 Rio Medina, 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 Rio Medina, 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 Rio Medina, Texas as everywhere in the U.S.
Choosing a CD Term in Rio Medina, 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 Rio Medina, Texas savers easier access to their funds. For example, T Bank is offering its 6 Month CD at 4.16% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Jumbo, 5 Year Term Certificate at 4.34% 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 Rio Medina, 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 Rio Medina, 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 Rio Medina, 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 Rio Medina, 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 Rio Medina, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Rio Medina, 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 Rio Medina, Texas
Are CD rates in Rio Medina, Texas FDIC insured?
Yes, most established banks in Rio Medina, 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 Rio Medina, 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 Rio Medina, 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 Rio Medina, 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 Rio Medina, Texas?
Here are recent top rates found for this area:
- ADVANCIAL: 4.34% APY (Jumbo, 5 Year Term Certificate)
- Neches Federal Credit Union: 4.25% APY (IRA Shares 12 months)
- US Employees Credit Union: 4.25% APY (18 Month CD)
- Lifetime Federal Credit Union: 4.18% APY (IRA / 12 Month Certificate)
- T Bank: 4.16% APY (12 Month)
- Members Trust of the Southwest Federal Credit Union: 4.13% APY (1 Year)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
- Nizari Progressive Federal Credit Union: 4.07% APY (Momentum Share Certificate 3 Month)
- Valwood Park Federal Credit Union: 4.07% APY (18 Month)
- Freedom Bank Alamo, TX: 4.07% APY (6-Month IRA CD)
Rates reflect recent verified offers available in Rio Medina, Texas. Last Updated: June 16, 2026
CD Calculators for Rio Medina, Texas
Rio Medina, Texas CD Calculator
At today’s TX top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Rio Medina, Texas CD LadderTX CD rates currently range from 2.081% (3-month) to 3.037% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Rio Medina, Texas CD at 4.34% 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 2.452% 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 Rio Medina, 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 Rio Medina, 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 Rio Medina, 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: June 16, 2026
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