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CD Rate Trends

San Antonio, Texas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 27, 2026

San Antonio, Texas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 27, 2026. Current San Antonio, Texas CD rates include HEB Federal Credit UnionHEB Federal Credit Union4630 N Loop 1604 W Ste 101, San Antonio, TX 78249A+5.0 ★Texas Ratio: 0.70%Real return: +0.95%APY minus CPIRate verified Oct 23, 2026 offering Super Flex Term CD Special (6-18 months) at 4.65% APY, Vio BankVio Bank2330 Loop 1604 West, San Antonio, TX 78248A+5.0 ★Texas Ratio: 4.93%Real return: +0.70%APY minus CPIRate verified Oct 26, 2026 offering Certificate of Deposit - 24 Month at 4.40% APY, Navy Federal Credit UnionNavy Federal Credit UnionWestpointe Shopping Center, San Antonio, TX 78245A5.0 ★Texas Ratio: 8.14%Real return: +0.65%APY minus CPIRate verified Oct 26, 2026 offering 12 Month Special EasyStart Certificate at 4.35% APY, Greater Texas Credit UnionGreater Texas Credit Union3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078A+5.0 ★Texas Ratio: 5.54%Real return: +0.65%APY minus CPIRate verified Oct 26, 2026 offering 60 Month Term Share Certificate at 4.35% APY, and Bask BankBask Bank745 E Mulberry Ave, San Antonio, TX 78212A+5.0 ★Texas Ratio: 3.64%Real return: +0.65%APY minus CPIRate verified Oct 26, 2026 offering Bask 12-month CD at 4.35% APY. CD rates as of October 27, 2026 according to verified data from MonitorBankRates.

San Antonio has 548 local institutions in our database, with CD rates as high as 4.65% APY from HEB Federal Credit Union at 4630 N Loop 1604 W Ste 101, San Antonio, TX 78249. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 27, 2026

Compare Best CD Rates in San Antonio, Texas & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

San Antonio 3 Month CD Rates

Texas 3 Month CD Average2.50% APYNational 2.12%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 3 Months
$250,001
4.23% ▲ 1.73% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.12%
Details

Minimum Deposit: $250,001

Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 3 Months
$100,001
4.18% ▲ 1.68% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.12%
Details

Minimum Deposit: $100,001

Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 3 Months
$50,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details

Minimum Deposit: $50,001

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate 3 Months
$250,001
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details

Balance: $250,001 minimum

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.13% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Momentum Share Certificate - 3 Month Special
$0
4.13% ▲ 1.63% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details

Balance: $1000.00 - $49,999.99

Rate History
No change since Oct 15, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 15, 2026: 4.13% APYOct 15, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Certificate of Deposit - 3 Months
$1,000
4.10% ▲ 1.60% above Texas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details

Minimum deposit of $1,000 required within 10 business days of account opening

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 3 Months
$1,000
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.12%
Details

Minimum Deposit: $1,000

Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate 3 Months
$100,001
4.07% ▲ 1.57% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.57% above avgNationally 2.12%
Details

Balance: $100,001 minimum

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate 3 Months
$50,001
4.02% ▲ 1.52% above Texas avg
View
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.52% above avgNationally 2.12%
Details

Balance: $50,001 minimum

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.02% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
90 Day Frost Certificate of Deposit Account
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: $500,000.00 and over; Jumbo CD; Visit a Frost financial center for CDs of $500,000 and over

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
90 Day Jumbo CD
$0
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: $500,000.00 and over; Visit a Frost financial center

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
Frost Business Certificate of Deposit - 90 Day
$1,000
4.00% ▲ 1.50% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details

Balance: $500,000 and over; Promotional rate for new CDs opened during promotion; CDs opened prior to 5/1/2023 that are up for renewal during promotion not eligible

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate 3 Months
$1,000
3.97% ▲ 1.47% above Texas avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.47% above avgNationally 2.12%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
3.37%3.92%4.47%Sep 14, 2026: 3.87% APYSep 21, 2026: 3.97% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20263.97%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
Jumbo Share Certificates - 3 mo.
$10,000
3.81% ▲ 1.31% above Texas avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.31% above avgNationally 2.12%
Details

Dividend Rate (APR) 3.75%; Annual Yield (APY) 3.81%

Rate History
No change since Sep 25, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 25, 2026: 3.81% APYSep 25, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
90 Day Star Certificate of Deposit
$1,000
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Star Certificates of Deposit - 90 Days
$1,000
3.80% ▲ 1.30% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
Certificates of Deposit (CD) - 3-Month
$0
3.75% ▲ 1.25% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.25% above avgNationally 2.12%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 28, 2026
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
3 Month Share Certificate
$1,000
3.71% ▲ 1.21% above Texas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.21% above avgNationally 2.12%
Details

Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
90 Day Frost Certificate of Deposit Account
$0
3.70% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
Frost Business Certificate of Deposit - 90 Day
$1,000
3.70% ▲ 1.20% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details

Balance: $100,000.00 and over

Rate History
1 change since Oct 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Oct 14, 2026: 3.65% APYOct 20, 2026: 3.70% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20263.70%▲ from 3.65%
  • Oct 14, 20263.65%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
90 Day Frost Certificate of Deposit Account
$0
3.35% ▲ 0.85% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.85% above avgNationally 2.12%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 20, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 20, 2026: 3.35% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
Frost Business Certificate of Deposit - 90 Day
$1,000
3.35% ▲ 0.85% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.85% above avgNationally 2.12%
Details

Balance: $1,000.00 - $99,999.99

Rate History
1 change since Oct 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30%
2.80%3.33%3.85%Oct 14, 2026: 3.30% APYOct 20, 2026: 3.35% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20263.35%▲ from 3.30%
  • Oct 14, 20263.30%first recorded
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
3 Month Jumbo CD
$90,000
3.05% ▲ 0.55% above Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.55% above avgNationally 2.12%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 10 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo Certificate of Deposit - 3 Months
$90,000
3.05% ▲ 0.55% above Texas avg
View
▼
Rate3.02%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.55% above avgNationally 2.12%
Details

Jumbo Certificates of Deposit; Interest compounded quarterly is not applicable for terms under one year

Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 28, 2026
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
13333 Blanco Rd, San Antonio, TX 78216
3 Month Certificate of Deposit
$2,500
2.78% ▲ 0.28% above Texas avg
View
▼
Rate2.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 0.28% above avgNationally 2.12%
Details

Early withdrawal penalty applies; daily balance (c)

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 9 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
3 Month Certificates of Deposit
$2,000,000
2.52% ▲ 0.02% above Texas avg
View
▼
Rate2.50%
Min Deposit$2,000,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.02% above avgNationally 2.12%
Details

Balance: $2,000,000.00 & Over

Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 22, 2026: 2.52% APYOct 22, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
3 Month Certificates of Deposit
$500,000
2.27% ▼ 0.23% below Texas avg
View
▼
Rate2.25%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.23% below avgNationally 2.12%
Details

Balance: $500,000.00 - $1,999,999.99

Rate History
No change since Oct 22, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 22, 2026: 2.27% APYOct 22, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
3 Month CD
$500
2.00% ▼ 0.50% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
3 Month Certificates of Deposit
$100,000
1.76% ▼ 0.74% below Texas avg
View
▼
Rate1.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.74% below avgNationally 2.12%
Details

Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Obtain APY: $100,000

Rate History
No change since Oct 22, 2026 · 1.76% APY · checked 2 times
1.26%1.76%2.26%Oct 22, 2026: 1.76% APYOct 22, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
Certificates of Deposit - Tier 2 - 3 months
$100,000
1.76% ▼ 0.74% below Texas avg
View
▼
Rate1.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.74% below avgNationally 2.12%
Details

Balance: $100,000.00 - $499,999.99

Rate History
No change since Oct 26, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 26, 2026: 1.76% APYOct 26, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
3 Month Short-Term Certificate
$0
1.55% ▼ 0.95% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.95% below avgNationally 2.12%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
3 Month Certificates of Deposit
$1,000
1.51% ▼ 0.99% below Texas avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.99% below avgNationally 2.12%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 22, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 22, 2026: 1.51% APYOct 22, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
Certificates of Deposit - Tier 1 - 3 months
$1,000
1.51% ▼ 0.99% below Texas avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.99% below avgNationally 2.12%
Details

$1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit

Rate History
No change since Oct 26, 2026 · 1.51% APY
1.01%1.51%2.01%Oct 26, 2026: 1.51% APYOct 26, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
3 Month Short-Term Certificate
$0
1.50% ▼ 1.00% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.12%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
3 Month Standard CD
$1,000
1.50% ▼ 1.00% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.12%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 1.50% ▼ 1.35 pts · high 2.85% / low 1.50%
0.15%2.18%4.20%Sep 18, 2026: 2.85% APYSep 27, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20261.50%▼ from 2.85%
  • Sep 18, 20262.85%first recorded
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
Certificates of Deposit - 3 Months
$1,000
1.50% ▼ 1.00% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.12%
Details

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Term Share Certificate - 3 Month
$10,000
1.35% ▼ 1.15% below Texas avg
View
▼
Rate1.34%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▼ 1.15% below avgNationally 2.12%
Details

Balance: Balances greater than $9,999.99; Dividend Rate 1.34%

Rate History
1 change since Sep 14, 2026 · 1.15% → 1.35% ▲ 0.20 pts · high 1.35% / low 1.15%
0.65%1.25%1.85%Sep 14, 2026: 1.15% APYOct 9, 2026: 1.35% APYSep 14, 2026Oct 28, 2026
  • Oct 9, 20261.35%▲ from 1.15%
  • Sep 14, 20261.15%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] Jumbo - 3 months
$50,000
1.10% ▼ 1.40% below Texas avg
View
▼
Rate1.09%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.40% below avgNationally 2.12%
Details

Balance: $50,000 and up; Jumbo CD; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 21, 2026: 1.10% APYOct 21, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] - 3 months
$1,000
1.00% ▼ 1.50% below Texas avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.50% below avgNationally 2.12%
Details

Balance: $1,000 to $49,999; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 21, 2026: 1.00% APYOct 21, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
3 Month Term Share Certificate
$0
1.00% ▼ 1.50% below Texas avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.50% below avgNationally 2.12%
Details

Balance: $1,000; Compounded daily, paid monthly

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 28, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Term Share Certificate - 3 Month
$1,000
0.95% ▼ 1.55% below Texas avg
View
▼
Rate0.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▼ 1.55% below avgNationally 2.12%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 0.81% → 0.95% ▲ 0.14 pts · high 0.95% / low 0.81%
0.31%0.88%1.45%Sep 14, 2026: 0.81% APYOct 9, 2026: 0.95% APYSep 14, 2026Oct 28, 2026
  • Oct 9, 20260.95%▲ from 0.81%
  • Sep 14, 20260.81%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3 Month Standard CDs - Rewards
$0
0.60% ▼ 1.90% below Texas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.90% below avgNationally 2.12%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Oct 14, 2026: 0.60% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3 Month Standard CDs - Regular
$0
0.50% ▼ 2.00% below Texas avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.00% below avgNationally 2.12%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
510 Nw Loop 410, San Antonio, TX 78216
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.44% below Texas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.12%
Details

California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4306 Broadway Street, San Antonio, TX 78209
90 Day Standard CD Products
$1,000
0.06% ▼ 2.44% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.12%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Oct 14, 2026: 0.06% APYOct 14, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
3 Month Fixed Rate CD
$0
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 26, 2026: 0.05% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
Fixed Rate CD - 3-Month
$0
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 26, 2026: 0.05% APYOct 26, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
510 Nw Loop 410, San Antonio, TX 78216
3 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 28, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1000 Nw Loop 410, San Antonio, TX 78213
3 Month Personal Certificate of Deposit
$0
0.05% ▼ 2.45% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details

Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
112 E Pecan St, San Antonio, TX 78205
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 2.47% below Texas avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.47% below avgNationally 2.12%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 28, 2026

San Antonio 6 Month CD Rates

Texas 6 Month CD Average3.24% APYNational 2.79%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$250,001
4.23% ▲ 0.99% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.99% above avgNationally 2.79%
Details

Minimum deposit tier: $250,001

Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 3 times
3.73%4.23%4.73%Oct 9, 2026: 4.23% APYOct 9, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$100,001
4.18% ▲ 0.94% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.94% above avgNationally 2.79%
Details

Minimum deposit tier: $100,001

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$50,001
4.13% ▲ 0.89% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.89% above avgNationally 2.79%
Details

Minimum deposit tier: $50,001

Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 9, 2026: 4.13% APYOct 9, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$250,001
4.13% ▲ 0.89% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.89% above avgNationally 2.79%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYOct 15, 2026: 4.13% APYSep 14, 2026Oct 28, 2026
  • Oct 15, 20264.13%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (6 months)
$1,000
4.07% ▲ 0.83% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.83% above avgNationally 2.79%
Details

Minimum deposit tier: $1,000

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$100,001
4.07% ▲ 0.83% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.83% above avgNationally 2.79%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.07% ▲ 0.15 pts · high 4.07% / low 3.92%
3.42%4.00%4.57%Sep 14, 2026: 3.92% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
  • Oct 15, 20264.07%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$50,001
4.02% ▲ 0.78% above Texas avg
View
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.78% above avgNationally 2.79%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.02% ▲ 0.10 pts · high 4.02% / low 3.92%
3.42%3.97%4.52%Sep 14, 2026: 3.92% APYOct 15, 2026: 4.02% APYSep 14, 2026Oct 28, 2026
  • Oct 15, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
6 Month Certificate of Deposit
$1,000
4.00% ▲ 0.76% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.76% above avgNationally 2.79%
Details

Standard CD rate; $1,000 minimum deposit required for CDs; Penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.00%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (6 months)
$1,000
3.97% ▲ 0.73% above Texas avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.73% above avgNationally 2.79%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
1 change since Sep 14, 2026 · 3.92% → 3.97% ▲ 0.05 pts · high 3.97% / low 3.92%
3.42%3.95%4.47%Sep 14, 2026: 3.92% APYOct 15, 2026: 3.97% APYSep 14, 2026Oct 28, 2026
  • Oct 15, 20263.97%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
Certificates of Deposit (CD) - 6-Month
$0
3.90% ▲ 0.66% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 0.66% above avgNationally 2.79%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Bask 6-month CD
$1,000
3.90% ▲ 0.66% above Texas avg
View
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.66% above avgNationally 2.79%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Certificate of Deposit - 6 Months
$1,000
3.90% ▲ 0.66% above Texas avg
View
▼
Rate3.82%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.66% above avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2330 Loop 1604 West, San Antonio, TX 78248
Certificate of Deposit - 6 Month
$0
3.85% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.61% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 28, 2026
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
Jumbo Share Certificates - 6 mo.
$10,000
3.81% ▲ 0.57% above Texas avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.57% above avgNationally 2.79%
Details

Dividend Rate (APR) 3.75%; Annual Yield (APY) 3.81%

Rate History
No change since Sep 25, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 25, 2026: 3.81% APYSep 25, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
180 Day Star Certificate of Deposit
$1,000
3.80% ▲ 0.56% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.56% above avgNationally 2.79%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Star Certificates of Deposit - 180 Days
$1,000
3.80% ▲ 0.56% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.56% above avgNationally 2.79%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] Jumbo - 6 months
$50,000
3.80% ▲ 0.56% above Texas avg
View
▼
Rate3.73%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.56% above avgNationally 2.79%
Details

Balance: $50,000 and up; Jumbo CD; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
6 Month Term Share Certificate
$0
3.75% ▲ 0.51% above Texas avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.51% above avgNationally 2.79%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 28, 2026
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
6 Month Share Certificate
$1,000
3.71% ▲ 0.47% above Texas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.47% above avgNationally 2.79%
Details

Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] - 6 months
$1,000
3.70% ▲ 0.46% above Texas avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.46% above avgNationally 2.79%
Details

Balance: $1,000 to $49,999; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 28, 2026
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
9324 Huebner Rd, San Antonio, TX 78240
6-month CD
$50,000
3.65% ▲ 0.41% above Texas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.41% above avgNationally 2.79%
Details

Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
6 Month Jumbo Certificates
$0
3.65% ▲ 0.41% above Texas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.41% above avgNationally 2.79%
Details

APY effective as of 10/21/2026; *$100,000 minimum balance

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 6 Month
$0
3.61% ▲ 0.37% above Texas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.37% above avgNationally 2.79%
Details

Balance: $1000 - $49,999.99

Rate History
No change since Oct 23, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 23, 2026: 3.61% APYOct 23, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
180 Day Frost Certificate of Deposit Account
$0
3.60% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
Frost Business Certificate of Deposit - 180 Day
$1,000
3.60% ▲ 0.36% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
6 Month Regular Certificates
$0
3.55% ▲ 0.31% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.31% above avgNationally 2.79%
Details

APY effective as of 10/21/2026; *$1,000 minimum balance

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 28, 2026
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
6 Month Regular CD
$500
3.25% ▲ 0.01% above Texas avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.01% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 28, 2026
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
6 Month Youth CDs
$100
3.25% ▲ 0.01% above Texas avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.01% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
180 Day Frost Certificate of Deposit Account
$0
3.20% ▼ 0.04% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.04% below avgNationally 2.79%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 20, 2026: 3.20% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
Frost Business Certificate of Deposit - 180 Day
$1,000
3.20% ▼ 0.04% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.04% below avgNationally 2.79%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 14, 2026: 3.20% APYOct 14, 2026Oct 28, 2026
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2722 W Bitters Rd, San Antonio, TX 78248
6 Month Certificate of Deposit
$1,000
3.15% ▼ 0.09% below Texas avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.09% below avgNationally 2.79%
Details

Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.

Rate History
No change since Oct 22, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 22, 2026: 3.15% APYOct 22, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
6 Month Certificates of Deposit
$2,000,000
3.00% ▼ 0.24% below Texas avg
View
▼
Rate3.00%
Min Deposit$2,000,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.24% below avgNationally 2.79%
Details

Balance: $2,000,000.00 & Over

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
6 Month IRA & Share Certificate
$0
3.00% ▼ 0.24% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▼ 0.24% below avgNationally 2.79%
Details

Balance tier starting at $500

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
6 Month Certificates of Deposit
$500,000
2.52% ▼ 0.72% below Texas avg
View
▼
Rate2.50%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.72% below avgNationally 2.79%
Details

Balance: $500,000.00 - $1,999,999.99

Rate History
No change since Oct 22, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 22, 2026: 2.52% APYOct 22, 2026Oct 28, 2026
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
13333 Blanco Rd, San Antonio, TX 78216
6 Month Certificate of Deposit
$2,500
2.52% ▼ 0.72% below Texas avg
View
▼
Rate2.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▼ 0.72% below avgNationally 2.79%
Details

Early withdrawal penalty applies; daily balance (c)

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 9 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
6 Month CD
$500
2.25% ▼ 0.99% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.99% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
IRA 6 Month Certificate
$500
2.25% ▼ 0.99% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.99% below avgNationally 2.79%
Details

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
6 Month Certificates of Deposit
$100,000
2.01% ▼ 1.23% below Texas avg
View
▼
Rate2.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.23% below avgNationally 2.79%
Details

Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Obtain APY: $100,000

Rate History
No change since Oct 22, 2026 · 2.01% APY · checked 2 times
1.51%2.01%2.51%Oct 22, 2026: 2.01% APYOct 22, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
Certificates of Deposit - Tier 2 - 6 months
$100,000
2.01% ▼ 1.23% below Texas avg
View
▼
Rate2.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.23% below avgNationally 2.79%
Details

Balance: $100,000.00 - $499,999.99

Rate History
No change since Oct 26, 2026 · 2.01% APY
1.51%2.01%2.51%Oct 26, 2026: 2.01% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
6 Month Fixed Rate CD
$0
2.00% ▼ 1.24% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.24% below avgNationally 2.79%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
Fixed Rate CD - 6-Month
$0
2.00% ▼ 1.24% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.24% below avgNationally 2.79%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Term Share Certificate - 6 Month
$10,000
1.80% ▼ 1.44% below Texas avg
View
▼
Rate1.79%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▼ 1.44% below avgNationally 2.79%
Details

Balance: Balances greater than $9,999.99

Rate History
1 change since Sep 14, 2026 · 1.55% → 1.80% ▲ 0.25 pts · high 1.80% / low 1.55%
1.05%1.67%2.30%Sep 14, 2026: 1.55% APYOct 9, 2026: 1.80% APYSep 14, 2026Oct 28, 2026
  • Oct 9, 20261.80%▲ from 1.55%
  • Sep 14, 20261.55%first recorded
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
6 Month Certificates of Deposit
$1,000
1.76% ▼ 1.48% below Texas avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.48% below avgNationally 2.79%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 22, 2026 · 1.76% APY · checked 2 times
1.26%1.76%2.26%Oct 22, 2026: 1.76% APYOct 22, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
Certificates of Deposit - Tier 1 - 6 months
$1,000
1.76% ▼ 1.48% below Texas avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.48% below avgNationally 2.79%
Details

$1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit

Rate History
No change since Oct 26, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 26, 2026: 1.76% APYOct 26, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4306 Broadway Street, San Antonio, TX 78209
180 Day Standard CD Products
$1,000
1.50% ▼ 1.74% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.74% below avgNationally 2.79%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4306 Broadway Street, San Antonio, TX 78209
IRA CD - 6 Months
$1,000
1.50% ▼ 1.74% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.74% below avgNationally 2.79%
Details

CD rates are fixed for the term of the CD.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
6 Month Jumbo CD
$90,000
1.50% ▼ 1.74% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.74% below avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
6 Month Standard CD
$1,000
1.50% ▼ 1.74% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.74% below avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
Certificates of Deposit - 6 Months
$1,000
1.50% ▼ 1.74% below Texas avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.74% below avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
Jumbo Certificate of Deposit - 6 Months
$90,000
1.50% ▼ 1.74% below Texas avg
View
▼
Rate1.49%
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 1.74% below avgNationally 2.79%
Details

Jumbo Certificates of Deposit; Interest not compounded for terms under one year

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026

San Antonio 12 Month CD Rates

Texas 12 Month CD Average3.39% APYNational 3.00%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Bask 12-month CD
$1,000
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Certificate of Deposit - 12 Months
$1,000
4.35% ▲ 0.96% above Texas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2330 Loop 1604 West, San Antonio, TX 78248
Certificate of Deposit - 12 Month
$0
4.30% ▲ 0.91% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.91% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
1 Year Fixed Rate CD
$0
4.25% ▲ 0.86% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.86% above avgNationally 3.00%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
Fixed Rate CD - 1-Year
$0
4.25% ▲ 0.86% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.86% above avgNationally 3.00%
Details

Featured Rate; Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$250,001
4.23% ▲ 0.84% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.84% above avgNationally 3.00%
Details

IRA certificate; Dividend Rate 4.15%, APY 4.23%

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.23% ▲ 0.16 pts · high 4.23% / low 4.07%
3.57%4.15%4.73%Sep 14, 2026: 4.07% APYSep 21, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.23%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
12 Month Star Certificate of Deposit
$1,000
4.20% ▲ 0.81% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.81% above avgNationally 3.00%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Star Certificates of Deposit - 12 Months
$1,000
4.20% ▲ 0.81% above Texas avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.81% above avgNationally 3.00%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$100,001
4.18% ▲ 0.79% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.79% above avgNationally 3.00%
Details

IRA certificate; Dividend Rate 4.10%, APY 4.18%

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.18% ▲ 0.11 pts · high 4.18% / low 4.07%
3.57%4.13%4.68%Sep 14, 2026: 4.07% APYSep 21, 2026: 4.18% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.18%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
1 Year FB-Org Certificate of Deposit [CD]
$1,000
4.15% ▲ 0.76% above Texas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.76% above avgNationally 3.00%
Details

$1,000 Minimum Initial Deposit; Available to Farm Bureau organization customers only; Penalty may be imposed for withdrawals before maturity

Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 9 times
3.65%4.15%4.65%Sep 19, 2026: 4.15% APYSep 19, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
1 Year Share Certificates
$0
4.13% ▲ 0.74% above Texas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.74% above avgNationally 3.00%
Details

Balance: $250,001.00 and over; Minimum Deposit: $250,001

Rate History
No change since Oct 15, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 15, 2026: 4.13% APYOct 15, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$50,001
4.13% ▲ 0.74% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.74% above avgNationally 3.00%
Details

IRA certificate; Dividend Rate 4.05%, APY 4.13%

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.13% ▲ 0.06 pts · high 4.13% / low 4.07%
3.57%4.10%4.63%Sep 14, 2026: 4.07% APYSep 21, 2026: 4.13% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.13%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
12 Month Short-Term Certificate
$0
4.10% ▲ 0.71% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] Jumbo - 1 year
$50,000
4.10% ▲ 0.71% above Texas avg
View
▼
Rate4.02%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

Balance: $50,000 and up; Jumbo CD; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
12 Month Term Share Certificate
$0
4.10% ▲ 0.71% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
1 Year Share Certificates
$0
4.07% ▲ 0.68% above Texas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.68% above avgNationally 3.00%
Details

Balance: $100,001.00 - $250,000.00; Minimum Deposit: $100,001

Rate History
No change since Oct 15, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 15, 2026: 4.07% APYOct 15, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$1,000
4.07% ▲ 0.68% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.68% above avgNationally 3.00%
Details

IRA certificate; Dividend Rate 4.00%, APY 4.07%

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
12 Month Short-Term Certificate
$0
4.05% ▲ 0.66% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.66% above avgNationally 3.00%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
1 Year Share Certificates
$0
4.02% ▲ 0.63% above Texas avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.63% above avgNationally 3.00%
Details

Balance: $50,001.00 - $100,000.00; Minimum Deposit: $50,001

Rate History
No change since Oct 15, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 15, 2026: 4.02% APYOct 15, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
EasyStart Certificate - 12 Months
$50
4.00% ▲ 0.61% above Texas avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Share, IRA, ESA certificate; penalties apply for early withdrawals; dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 28, 2026
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
12 Month Certificate of Deposit
$1,000
4.00% ▲ 0.61% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Standard CD rate; $1,000 minimum deposit required for CDs; Penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.00% APYSep 18, 2026Oct 28, 2026
  • Oct 2, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] - 1 year
$1,000
4.00% ▲ 0.61% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Balance: $1,000 to $49,999; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
12 Month Term Share Certificate
$0
4.00% ▲ 0.61% above Texas avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
1 Year Share Certificates
$0
3.97% ▲ 0.58% above Texas avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.58% above avgNationally 3.00%
Details

Balance: $1,000.00 - $50,000.00; Minimum Deposit: $1,000

Rate History
No change since Oct 15, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 15, 2026: 3.97% APYOct 15, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
Certificates of Deposit (CD) - 12-Month
$0
3.85% ▲ 0.46% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.39%▲ 0.46% above avgNationally 3.00%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 28, 2026
Plains State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.66%
8000 Ih West Suite 1507, San Antonio, TX 78230
12 Month CD
$0
3.82% ▲ 0.43% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.43% above avgNationally 3.00%
Details

Minimum balance to obtain APY is $1,000; APY accurate as of August 28, 2025; penalty may be imposed for early withdrawal; rates may change without notice

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 10 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 28, 2026
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
Jumbo Share Certificates - 12 mo.
$10,000
3.81% ▲ 0.42% above Texas avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.42% above avgNationally 3.00%
Details

Dividend Rate (APR) 3.75%; Annual Yield (APY) 3.81%

Rate History
No change since Sep 25, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 25, 2026: 3.81% APYSep 25, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
1 Year CD with Step-Up Option - Jumbo CD
$50,000
3.75% ▲ 0.36% above Texas avg
View
▼
Rate3.68%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.36% above avgNationally 3.00%
Details

Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 28, 2026
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
12 Month Share Certificate
$1,000
3.71% ▲ 0.32% above Texas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.32% above avgNationally 3.00%
Details

Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
1 Year CD with Step-Up Option
$1,000
3.65% ▲ 0.26% above Texas avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.26% above avgNationally 3.00%
Details

Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 28, 2026
Credit Human Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
8889 Bandera Rd, San Antonio, TX 78250 2501
12 Month Liquid Share Certificate
$5,000
3.64% ▲ 0.25% above Texas avg
View
▼
Rate3.58%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.25% above avgNationally 3.00%
Details

Balance: $5,000.00 and up; 12-Month Liquid Share Certificate; two no-penalty withdrawals during the term while maintaining a minimum balance of $5,000; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Oct 22, 2026: 3.64% APYOct 22, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 12 Month
$0
3.61% ▲ 0.22% above Texas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.22% above avgNationally 3.00%
Details

Balance: $100,000 & Over

Rate History
No change since Oct 23, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 23, 2026: 3.61% APYOct 23, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 12 Month
$0
3.56% ▲ 0.17% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.17% above avgNationally 3.00%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 23, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 23, 2026: 3.56% APYOct 23, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 12 Month
$0
3.51% ▲ 0.12% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.12% above avgNationally 3.00%
Details

Balance: $1000 - $49,999.99

Rate History
No change since Oct 23, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 23, 2026: 3.51% APYOct 23, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
12 Month IRA & Share Certificate
$0
3.50% ▲ 0.11% above Texas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.11% above avgNationally 3.00%
Details

Balance tier starting at $500

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 28, 2026
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
1 Year Regular CD
$500
3.50% ▲ 0.11% above Texas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.11% above avgNationally 3.00%
Details

Also available as IRA CD

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
1 Year Youth CDs
$100
3.50% ▲ 0.11% above Texas avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.11% above avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
12 Month Frost Certificate of Deposit Account
$0
3.35% ▼ 0.04% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.04% below avgNationally 3.00%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 20, 2026: 3.35% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
Frost Business Certificate of Deposit - 12 Month
$1,000
3.35% ▼ 0.04% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.04% below avgNationally 3.00%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
12 Month Jumbo Certificates
$0
3.35% ▼ 0.04% below Texas avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▼ 0.04% below avgNationally 3.00%
Details

APY effective as of 10/21/2026; *$100,000 minimum balance

Rate History
1 change since Sep 25, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
2.60%3.23%3.85%Sep 25, 2026: 3.10% APYOct 23, 2026: 3.35% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20263.35%▲ from 3.10%
  • Sep 25, 20263.10%first recorded
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
1 Year Flex CDs
$0
3.35% ▼ 0.04% below Texas avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.04% below avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 28, 2026
Alamo City Credit Union
Institution Rating:
F2.2 ★Texas Ratio: 26.67%
4801 NW Loop 410 Ste 100, San Antonio, TX 78229
12 Month Certificates
$0
3.27% ▼ 0.12% below Texas avg
View
▼
Rate3.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.12% below avgNationally 3.00%
Details

$1,000 Minimum Balance; Early withdrawal penalty of 1/2 of dividends earned

Rate History
No change since Oct 9, 2026 · 3.27% APY · checked 3 times
2.77%3.27%3.77%Oct 9, 2026: 3.27% APYOct 9, 2026Oct 28, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1000 Nw Loop 410, San Antonio, TX 78213
CD 12 Month
$0
3.25% ▼ 0.14% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.14% below avgNationally 3.00%
Details

Balance: $100,000 and above; special rate on select new CD accounts

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
12 Month Certificates of Deposit
$2,000,000
3.25% ▼ 0.14% below Texas avg
View
▼
Rate3.25%
Min Deposit$2,000,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.14% below avgNationally 3.00%
Details

Balance: $2,000,000.00 & Over

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
12 Month Regular Certificates
$0
3.25% ▼ 0.14% below Texas avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▼ 0.14% below avgNationally 3.00%
Details

APY effective as of 10/21/2026; *$1,000 minimum balance

Rate History
1 change since Sep 25, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 25, 2026: 3.00% APYOct 23, 2026: 3.25% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20263.25%▲ from 3.00%
  • Sep 25, 20263.00%first recorded
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
7925 N New Braunfels Ave, San Antonio, TX 78209
Individual Retirement Account - 1 Year
$100
3.19% ▼ 0.20% below Texas avg
View
▼
Rate3.15%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.20% below avgNationally 3.00%
Details

Early withdrawal fee may apply

Rate History
No change since Oct 14, 2026 · 3.19% APY · checked 3 times
2.69%3.19%3.69%Oct 14, 2026: 3.19% APYOct 14, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
19500 Bulverde Rd, San Antonio, TX 78259
1 Year IRA Certificate
$1,000
3.10% ▼ 0.29% below Texas avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.29% below avgNationally 3.00%
Details

1 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
12 Month Certificates of Deposit
$500,000
3.00% ▼ 0.39% below Texas avg
View
▼
Rate3.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.39% below avgNationally 3.00%
Details

Balance: $500,000.00 - $1,999,999.99

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
12 Month Frost Certificate of Deposit Account
$0
2.90% ▼ 0.49% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▼ 0.49% below avgNationally 3.00%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 20, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 20, 2026: 2.90% APYOct 20, 2026Oct 28, 2026

San Antonio 18 Month CD Rates

Texas 18 Month CD Average3.28% APYNational 2.90%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Super Flex Term CD Special (6-18 months)
$0
4.65% ▲ 1.37% above Texas avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 1.37% above avgNationally 2.90%
Details

Effective Date: October 8, 2026

Rate History
No change since Oct 15, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 15, 2026: 4.65% APYOct 15, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2330 Loop 1604 West, San Antonio, TX 78248
Certificate of Deposit - 18 Month
$0
4.35% ▲ 1.07% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
18 Month Star Certificate of Deposit
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Star Certificates of Deposit - 18 Months
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 28, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7410 Blanco Rd, San Antonio, TX 78216
18 Month CD
$1,000
4.25% ▲ 0.97% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details

Limited time offer; APY effective 10/22/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
18 Month Short-Term Certificate
$0
4.15% ▲ 0.87% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
18 Month Short-Term Certificate
$0
4.10% ▲ 0.82% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
18 Month Term Share Certificate
$0
4.10% ▲ 0.82% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
18 Month Certificate of Deposit
$1,000
4.00% ▲ 0.72% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Standard CD rate; $1,000 minimum deposit required for CDs; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 28, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Flex Term CD Special (6-18 months)
$0
4.00% ▲ 0.72% above Texas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Effective Date: October 8, 2026

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
18 Month Term Share Certificate
$0
4.00% ▲ 0.72% above Texas avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Bask 18-month CD
$1,000
4.00% ▲ 0.72% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Certificate of Deposit - 18 Months
$1,000
4.00% ▲ 0.72% above Texas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
Credit Human Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
8889 Bandera Rd, San Antonio, TX 78250 2501
18 Month Sustainable Share Certificate
$0
3.95% ▲ 0.67% above Texas avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.67% above avgNationally 2.90%
Details

Account balance: $500.00 and up; Dividend rate 3.88%

Rate History
No change since Oct 26, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 26, 2026: 3.95% APYOct 26, 2026Oct 28, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month SuperSaver Certificate
$1,000
3.91% ▲ 0.63% above Texas avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.63% above avgNationally 2.90%
Details

Balance: $75,000 and over; Consumer accounts only, does not apply to business accounts

Rate History
1 change since Sep 20, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
3.30%3.86%4.41%Sep 20, 2026: 3.80% APYOct 4, 2026: 3.91% APYSep 20, 2026Oct 28, 2026
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 20, 20263.80%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month SuperSaver Certificate
$1,000
3.86% ▲ 0.58% above Texas avg
View
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.58% above avgNationally 2.90%
Details

Balance: $20,000 - $74,999.99; Consumer accounts only, does not apply to business accounts

Rate History
1 change since Sep 20, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75%
3.25%3.80%4.36%Sep 20, 2026: 3.75% APYOct 4, 2026: 3.86% APYSep 20, 2026Oct 28, 2026
  • Oct 4, 20263.86%▲ from 3.75%
  • Sep 20, 20263.75%first recorded
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
Jumbo Share Certificates - 18 mo.
$10,000
3.81% ▲ 0.53% above Texas avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.53% above avgNationally 2.90%
Details

Dividend Rate (APR) 3.75%; Annual Yield (APY) 3.81%

Rate History
No change since Sep 25, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 25, 2026: 3.81% APYSep 25, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18 Month CD Special - Regular
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

Regular APY

Rate History
No change since Oct 26, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 26, 2026: 3.80% APYOct 26, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18 Month CD Special - Rewards
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

Rewards APY

Rate History
No change since Oct 26, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 26, 2026: 3.80% APYOct 26, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18 Month CD Specials - Regular
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18 Month CD Specials - Rewards
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18 Month IRA CD Special - Regular
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Oct 26, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 26, 2026: 3.80% APYOct 26, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18 Month IRA CD Special - Rewards
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Oct 26, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 26, 2026: 3.80% APYOct 26, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18 Month IRA CD Specials - Regular
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

Regular APY

Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18 Month IRA CD Specials - Rewards
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
IRA CD Specials - 18-month term
$0
3.80% ▲ 0.52% above Texas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.52% above avgNationally 2.90%
Details

Rewards APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.80% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month SuperSaver Certificate
$1,000
3.79% ▲ 0.51% above Texas avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.51% above avgNationally 2.90%
Details

Balance: $5,000 - $19,999.99; Consumer accounts only, does not apply to business accounts

Rate History
1 change since Sep 20, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69%
3.19%3.74%4.29%Sep 20, 2026: 3.69% APYOct 4, 2026: 3.79% APYSep 20, 2026Oct 28, 2026
  • Oct 4, 20263.79%▲ from 3.69%
  • Sep 20, 20263.69%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
11432 W Loop 1604 N, San Antonio, TX 78254
18 Month SuperSaver Certificate
$1,000
3.75% ▲ 0.47% above Texas avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.90%
Details

Balance: $1,000 - $4,999.99; Consumer accounts only, does not apply to business accounts

Rate History
1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 20, 2026: 3.65% APYOct 4, 2026: 3.75% APYSep 20, 2026Oct 28, 2026
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 20, 20263.65%first recorded
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
18 Month Share Certificate
$1,000
3.71% ▲ 0.43% above Texas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
EasyStart Certificate - 18 Months
$50
3.70% ▲ 0.42% above Texas avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.42% above avgNationally 2.90%
Details

Share, IRA, ESA certificate; penalties apply for early withdrawals; dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
Certificates of Deposit (CD) - 18-Month
$0
3.70% ▲ 0.42% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▲ 0.42% above avgNationally 2.90%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 28, 2026
Commerce Bank Texas
Institution Rating:
A-5.0 ★Texas Ratio: 15.11%
1501 Bexar Crossing St, San Antonio, TX 78232
18 Month Certificate
$0
3.60% ▲ 0.32% above Texas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.32% above avgNationally 2.90%
Details

Balance: Up to $250,000.00; Compounding quarterly; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
18 Month Jumbo Certificates
$0
3.60% ▲ 0.32% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.32% above avgNationally 2.90%
Details

APY effective as of 10/21/2026; *$100,000 minimum balance

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
18 Month IRA & Share Certificate
$0
3.60% ▲ 0.32% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.32% above avgNationally 2.90%
Details

Balance tier starting at $500

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 28, 2026
Commerce Bank Texas
Institution Rating:
A-5.0 ★Texas Ratio: 15.11%
1501 Bexar Crossing St, San Antonio, TX 78232
18 Month Certificate
$0
3.55% ▲ 0.27% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.27% above avgNationally 2.90%
Details

Balance: Greater than $250,000.00; Compounding quarterly; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 20, 2026: 3.55% APYOct 20, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
18 Month Regular Certificates
$0
3.50% ▲ 0.22% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.22% above avgNationally 2.90%
Details

APY effective as of 10/21/2026; *$1,000 minimum balance

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] Jumbo - 18 months
$50,000
3.45% ▲ 0.17% above Texas avg
View
▼
Rate3.39%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.17% above avgNationally 2.90%
Details

Balance: $50,000 and up; Jumbo CD; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 21, 2026: 3.45% APYOct 21, 2026Oct 28, 2026
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
18 Month Regular CD
$500
3.45% ▲ 0.17% above Texas avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.17% above avgNationally 2.90%
Details

Also available as IRA CD

Rate History
No change since Oct 19, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 19, 2026: 3.45% APYOct 19, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] - 18 months
$1,000
3.35% ▲ 0.07% above Texas avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.07% above avgNationally 2.90%
Details

Balance: $1,000 to $49,999; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 21, 2026: 3.35% APYOct 21, 2026Oct 28, 2026
Alamo City Credit Union
Institution Rating:
F2.2 ★Texas Ratio: 26.67%
4801 NW Loop 410 Ste 100, San Antonio, TX 78229
18 Month Certificates
$0
3.32% ▲ 0.04% above Texas avg
View
▼
Rate3.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.04% above avgNationally 2.90%
Details

$5,000 Minimum Balance; Early withdrawal penalty of 1/2 of dividends earned

Rate History
No change since Oct 9, 2026 · 3.32% APY · checked 3 times
2.82%3.32%3.82%Oct 9, 2026: 3.32% APYOct 9, 2026Oct 28, 2026
Texas Champion Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1403 W Bitters Rd, San Antonio, TX 78248
18 Month Certificates of Deposit
$0
3.25% ▼ 0.03% below Texas avg
View
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.03% below avgNationally 2.90%
Details

Balance: $1,000 - $97,999

Rate History
1 change since Sep 27, 2026 · 2.75% → 3.25% ▲ 0.50 pts · high 3.25% / low 2.75%
2.25%3.00%3.75%Sep 27, 2026: 2.75% APYOct 3, 2026: 3.25% APYSep 27, 2026Oct 28, 2026
  • Oct 3, 20263.25%▲ from 2.75%
  • Sep 27, 20262.75%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
18 Month CD with Step-Up Option - Jumbo CD
$50,000
3.20% ▼ 0.08% below Texas avg
View
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.08% below avgNationally 2.90%
Details

Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
18 Month CD with Step-Up Option
$1,000
3.10% ▼ 0.18% below Texas avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.18% below avgNationally 2.90%
Details

Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 8 times
2.60%3.10%3.60%Sep 24, 2026: 3.10% APYSep 24, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 18 Month
$0
2.96% ▼ 0.32% below Texas avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▼ 0.32% below avgNationally 2.90%
Details

Balance: $100,000 & Over

Rate History
No change since Oct 23, 2026 · 2.96% APY
2.46%2.96%3.46%Oct 23, 2026: 2.96% APYOct 23, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 18 Month
$0
2.91% ▼ 0.37% below Texas avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▼ 0.37% below avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 23, 2026 · 2.91% APY
2.41%2.91%3.41%Oct 23, 2026: 2.91% APYOct 23, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 18 Month
$0
2.86% ▼ 0.42% below Texas avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▼ 0.42% below avgNationally 2.90%
Details

Balance: $1000 - $49,999.99

Rate History
No change since Oct 23, 2026 · 2.86% APY
2.36%2.86%3.36%Oct 23, 2026: 2.86% APYOct 23, 2026Oct 28, 2026
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
13333 Blanco Rd, San Antonio, TX 78216
18 Month Certificate of Deposit
$2,500
2.25% ▼ 1.03% below Texas avg
View
▼
Rate2.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▼ 1.03% below avgNationally 2.90%
Details

Early withdrawal penalty applies; daily balance (c)

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 28, 2026
Jefferson Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1900 Broadway Suite 100, San Antonio, TX 78215
IRAs (18 Months) Variable Rate
$500
2.02% ▼ 1.26% below Texas avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.26% below avgNationally 2.90%
Details

Variable rate IRA; Minimum daily balance to obtain APY: $500

Rate History
No change since Oct 22, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 22, 2026: 2.02% APYOct 22, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
18 Month Fixed Rate CD
$0
2.00% ▼ 1.28% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.28% below avgNationally 2.90%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
Fixed Rate CD - 18-Month
$0
2.00% ▼ 1.28% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.28% below avgNationally 2.90%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026

San Antonio 24 Month CD Rates

Texas 24 Month CD Average3.22% APYNational 2.90%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2330 Loop 1604 West, San Antonio, TX 78248
Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Bask 24-month CD
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details

Must be funded with a minimum deposit of $1,000 within 10 business days of account opening; Interest calculated and accrued daily; Penalty may be incurred if funds are withdrawn prior to maturity

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 8 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 28, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Certificate of Deposit - 24 Months
$1,000
4.30% ▲ 1.08% above Texas avg
View
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.08% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 28, 2026
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
19122 Us 281, San Antonio, TX 78258
24 Month Certificate of Deposit
$0
4.25% ▲ 1.03% above Texas avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Guaranteed rate of return on a Certificate of Deposit; rate shown as 4.25% (APY/APR label not stated on page)

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7410 Blanco Rd, San Antonio, TX 78216
24 Month CD
$1,000
4.25% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 1.03% above avgNationally 2.90%
Details

Limited time offer; APY effective 10/22/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 12 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 2 Year
$250,001
4.23% ▲ 1.01% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 1.01% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.23% ▲ 0.16 pts · high 4.23% / low 4.07%
3.57%4.15%4.73%Sep 14, 2026: 4.07% APYOct 5, 2026: 4.23% APYSep 14, 2026Oct 28, 2026
  • Oct 5, 20264.23%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
24 Month Term Share Certificate
$0
4.20% ▲ 0.98% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.98% above avgNationally 2.90%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 2 Year
$100,001
4.18% ▲ 0.96% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.18% ▲ 0.16 pts · high 4.18% / low 4.02%
3.52%4.10%4.68%Sep 14, 2026: 4.02% APYOct 5, 2026: 4.18% APYSep 14, 2026Oct 28, 2026
  • Oct 5, 20264.18%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 2 Year
$50,001
4.13% ▲ 0.91% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.91% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97%
3.47%4.05%4.63%Sep 14, 2026: 3.97% APYOct 5, 2026: 4.13% APYSep 14, 2026Oct 28, 2026
  • Oct 5, 20264.13%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (2 year)
$250,001
4.13% ▲ 0.91% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.91% above avgNationally 2.90%
Details

Minimum deposit tier

Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 21, 2026: 4.13% APYSep 21, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
24 Month Term Share Certificate
$0
4.10% ▲ 0.88% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.88% above avgNationally 2.90%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 2 Year
$1,000
4.07% ▲ 0.85% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.07% ▲ 0.15 pts · high 4.07% / low 3.92%
3.42%4.00%4.57%Sep 14, 2026: 3.92% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
  • Oct 5, 20264.07%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (2 year)
$100,001
4.07% ▲ 0.85% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.90%
Details

Minimum deposit tier

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (2 year)
$50,001
4.02% ▲ 0.80% above Texas avg
View
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.80% above avgNationally 2.90%
Details

Minimum deposit tier

Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 21, 2026: 4.02% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (2 year)
$1,000
3.97% ▲ 0.75% above Texas avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.75% above avgNationally 2.90%
Details

Minimum deposit tier

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 6 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] Jumbo - 2 years
$50,000
3.95% ▲ 0.73% above Texas avg
View
▼
Rate3.87%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.90%
Details

Balance: $50,000 and up; Jumbo CD; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 21, 2026: 3.95% APYOct 21, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] - 2 years
$1,000
3.85% ▲ 0.63% above Texas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.90%
Details

Balance: $1,000 to $49,999; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 21, 2026: 3.85% APYOct 21, 2026Oct 28, 2026
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
Jumbo Share Certificates - 24 mo.
$10,000
3.81% ▲ 0.59% above Texas avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.59% above avgNationally 2.90%
Details

Dividend Rate (APR) 3.75%; Annual Yield (APY) 3.81%

Rate History
No change since Sep 25, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 25, 2026: 3.81% APYSep 25, 2026Oct 28, 2026
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
1002 Camden ST, San Antonio, TX 78215 1452
24 Month Share Certificate
$1,000
3.71% ▲ 0.49% above Texas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
24 Month Short-Term Certificate
$0
3.70% ▲ 0.48% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
2 Year CD with Step-Up Option - Jumbo CD
$50,000
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.63%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details

Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
24 Month IRA & Share Certificate
$0
3.70% ▲ 0.48% above Texas avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details

Balance tier starting at $500

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
24 Month Short-Term Certificate
$0
3.66% ▲ 0.44% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.44% above avgNationally 2.90%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 20, 2026: 3.66% APYOct 20, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
EasyStart Certificate - 24 Months
$50
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

Share, IRA, ESA certificate; penalties apply for early withdrawals; dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
24 Month Star Certificate of Deposit
$1,000
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

Rates effective Monday, October 26, 2026; Open Account online or via Open an account link

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 28, 2026
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
745 E Mulberry Ave, San Antonio, TX 78212
Star Certificates of Deposit - 24 Months
$1,000
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

$1,000 minimum deposit to open; personal accounts only; interest rate and APY are fixed through maturity

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
Certificates of Deposit (CD) - 24-Month
$0
3.60% ▲ 0.38% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
2 Year CD with Step-Up Option
$1,000
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
24 Month Jumbo Certificates
$0
3.60% ▲ 0.38% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details

APY effective as of 10/21/2026; *$100,000 minimum balance

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 28, 2026
Commerce Bank Texas
Institution Rating:
A-5.0 ★Texas Ratio: 15.11%
1501 Bexar Crossing St, San Antonio, TX 78232
IRA 2 Year Fixed Rate
$0
3.56% ▲ 0.34% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.34% above avgNationally 2.90%
Details

Balance: $2,500.00 to less than $10,000.00; Compounding daily; early withdrawal penalty may apply

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 28, 2026
Commerce Bank Texas
Institution Rating:
A-5.0 ★Texas Ratio: 15.11%
1501 Bexar Crossing St, San Antonio, TX 78232
2 Year Certificate
$0
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.90%
Details

Balance: Up to $250,000.00; Compounding quarterly; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 20, 2026: 3.55% APYOct 20, 2026Oct 28, 2026
Commerce Bank Texas
Institution Rating:
A-5.0 ★Texas Ratio: 15.11%
1501 Bexar Crossing St, San Antonio, TX 78232
IRA 2 Year Fixed Variable Rate
$0
3.55% ▲ 0.33% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.33% above avgNationally 2.90%
Details

Balance: $2,500.00 to less than $10,000.00; Compounding quarterly; interest rate may change after account opening; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 20, 2026: 3.55% APYOct 20, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
24 Month Regular Certificates
$0
3.50% ▲ 0.28% above Texas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.90%
Details

APY effective as of 10/21/2026; *$1,000 minimum balance

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
19500 Bulverde Rd, San Antonio, TX 78259
2 Year IRA Certificate
$1,000
3.30% ▲ 0.08% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.90%
Details

2 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
2 Year Regular CD
$500
3.30% ▲ 0.08% above Texas avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.08% above avgNationally 2.90%
Details

Also available as IRA CD

Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 28, 2026
Texas Champion Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1403 W Bitters Rd, San Antonio, TX 78248
24 Month Certificates of Deposit
$0
3.25% ▲ 0.03% above Texas avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.90%
Details

Balance: $1,000 - $97,999

Rate History
1 change since Sep 27, 2026 · 2.75% → 3.25% ▲ 0.50 pts · high 3.25% / low 2.75%
2.25%3.00%3.75%Sep 27, 2026: 2.75% APYOct 3, 2026: 3.25% APYSep 27, 2026Oct 28, 2026
  • Oct 3, 20263.25%▲ from 2.75%
  • Sep 27, 20262.75%first recorded
Alamo City Credit Union
Institution Rating:
F2.2 ★Texas Ratio: 26.67%
4801 NW Loop 410 Ste 100, San Antonio, TX 78229
24 Month Certificates
$0
3.18% ▼ 0.04% below Texas avg
View
▼
Rate3.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.04% below avgNationally 2.90%
Details

$10,000 Minimum Balance; Early withdrawal penalty of 1/2 of dividends earned

Rate History
No change since Oct 9, 2026 · 3.18% APY · checked 3 times
2.68%3.18%3.68%Oct 9, 2026: 3.18% APYOct 9, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
24 Month Frost Certificate of Deposit Account
$0
3.10% ▼ 0.12% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 20, 2026: 3.10% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
Frost Business Certificate of Deposit - 24 Month
$1,000
3.10% ▼ 0.12% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 28, 2026
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
7925 N New Braunfels Ave, San Antonio, TX 78209
Individual Retirement Account - 2 Years
$100
3.03% ▼ 0.19% below Texas avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.19% below avgNationally 2.90%
Details

Early withdrawal fee may apply

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 24 Month
$0
2.99% ▼ 0.23% below Texas avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▼ 0.23% below avgNationally 2.90%
Details

Balance: $100,000 & Over

Rate History
No change since Oct 23, 2026 · 2.99% APY
2.49%2.99%3.49%Oct 23, 2026: 2.99% APYOct 23, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 24 Month
$0
2.94% ▼ 0.28% below Texas avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▼ 0.28% below avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 23, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 23, 2026: 2.94% APYOct 23, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 24 Month
$0
2.89% ▼ 0.33% below Texas avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▼ 0.33% below avgNationally 2.90%
Details

Balance: $1000 - $49,999.99

Rate History
No change since Oct 23, 2026 · 2.89% APY
2.39%2.89%3.39%Oct 23, 2026: 2.89% APYOct 23, 2026Oct 28, 2026
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
24 Month Certificate of Deposit
$1,000
2.70% ▼ 0.52% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.52% below avgNationally 2.90%
Details

Standard CD rate; $1,000 minimum deposit required for CDs; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
24 Month Frost Certificate of Deposit Account
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 20, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 20, 2026: 2.60% APYOct 20, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
Frost Business Certificate of Deposit - 24 Month
$1,000
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 14, 2026: 2.60% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
111 W Houston St, San Antonio, TX 78205
IRA CDs - 24 Month Fixed IRA
$0
2.60% ▼ 0.62% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details

Frost IRA CD comparison table; Frost APY effective as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 14, 2026: 2.60% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24 Month Standard CDs - Rewards
$0
2.60% ▼ 0.62% below Texas avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 14, 2026: 2.60% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24 Month Standard IRA CDs - Rewards
$0
2.60% ▼ 0.62% below Texas avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details

Rewards APY column; Dividend Rate 2.57%

Rate History
No change since Oct 19, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 19, 2026: 2.60% APYOct 19, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24 Month Standard CDs - Regular
$0
2.34% ▼ 0.88% below Texas avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.88% below avgNationally 2.90%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 3 times
1.84%2.34%2.84%Oct 14, 2026: 2.34% APYOct 14, 2026Oct 28, 2026

San Antonio 36 Month CD Rates

Texas 36 Month CD Average3.12% APYNational 2.81%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate - 3 year
$250,001
4.23% ▲ 1.11% above Texas avg
View
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.11% above avgNationally 2.81%
Details

Balance: $250,001 and over; Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Sep 21, 2026 · 4.23% APY · checked 8 times
3.73%4.23%4.73%Sep 21, 2026: 4.23% APYSep 21, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
36 Month Term Share Certificate
$0
4.20% ▲ 1.08% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.08% above avgNationally 2.81%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate - 3 year
$100,001
4.18% ▲ 1.06% above Texas avg
View
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.06% above avgNationally 2.81%
Details

Balance: $100,001 - $250,000; Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Sep 21, 2026 · 4.18% APY · checked 8 times
3.68%4.18%4.68%Sep 21, 2026: 4.18% APYSep 21, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
3 Year Long-Term Certificate (Share, IRA, ESA)
$0
4.15% ▲ 1.03% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.03% above avgNationally 2.81%
Details

Minimum balance tier: $100K Minimum APY

Rate History
No change since Oct 26, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 26, 2026: 4.15% APYOct 26, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate - 3 year
$50,001
4.13% ▲ 1.01% above Texas avg
View
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.01% above avgNationally 2.81%
Details

Balance: $50,001 - $100,000; Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 21, 2026: 4.13% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate - 3 Year
$250,001
4.13% ▲ 1.01% above Texas avg
View
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.01% above avgNationally 2.81%
Details

Balance: $250,001 and over; Minimum deposit tier: $250,001

Rate History
No change since Sep 21, 2026 · 4.13% APY · checked 4 times
3.63%4.13%4.63%Sep 21, 2026: 4.13% APYSep 21, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
3 Year Long-Term Certificate (Share, IRA, ESA)
$0
4.10% ▲ 0.98% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.98% above avgNationally 2.81%
Details

Minimum balance tier: $1K Minimum APY

Rate History
No change since Oct 26, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 26, 2026: 4.10% APYOct 26, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
36 Month Term Share Certificate
$0
4.10% ▲ 0.98% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.98% above avgNationally 2.81%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificate - 3 year
$1,000
4.07% ▲ 0.95% above Texas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.95% above avgNationally 2.81%
Details

Balance: $1,000 - $50,000; Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate - 3 Year
$100,001
4.07% ▲ 0.95% above Texas avg
View
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.95% above avgNationally 2.81%
Details

Balance: $100,001 and over; Minimum deposit tier: $100,001

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate - 3 Year
$50,001
4.02% ▲ 0.90% above Texas avg
View
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.90% above avgNationally 2.81%
Details

Balance: $50,001 and over; Minimum deposit tier: $50,001

Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 21, 2026: 4.02% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate - 3 Year
$1,000
3.97% ▲ 0.85% above Texas avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.85% above avgNationally 2.81%
Details

Balance: $1,000 and over; Minimum deposit tier: $1,000

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 4 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 28, 2026
Commerce Bank Texas
Institution Rating:
A-5.0 ★Texas Ratio: 15.11%
1501 Bexar Crossing St, San Antonio, TX 78232
3 Year Certificate
$0
3.55% ▲ 0.43% above Texas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.43% above avgNationally 2.81%
Details

Balance: Up to $250,000.00; Compounding quarterly; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 20, 2026: 3.55% APYOct 20, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2330 Loop 1604 West, San Antonio, TX 78248
Certificate of Deposit - 36 Month
$0
3.50% ▲ 0.38% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
Certificates of Deposit (CD) - 36-Month
$0
3.40% ▲ 0.28% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▲ 0.28% above avgNationally 2.81%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] Jumbo - 3 years
$50,000
3.35% ▲ 0.23% above Texas avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.23% above avgNationally 2.81%
Details

Balance: $50,000 and up; Jumbo CD; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 21, 2026: 3.35% APYOct 21, 2026Oct 28, 2026
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
3 Year Regular CD
$500
3.35% ▲ 0.23% above Texas avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.23% above avgNationally 2.81%
Details

Also available as IRA CD

Rate History
No change since Oct 19, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 19, 2026: 3.35% APYOct 19, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
19500 Bulverde Rd, San Antonio, TX 78259
3 Year IRA Certificate
$1,000
3.30% ▲ 0.18% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.18% above avgNationally 2.81%
Details

3 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] - 3 years
$1,000
3.25% ▲ 0.13% above Texas avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.13% above avgNationally 2.81%
Details

Balance: $1,000 to $49,999; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 21, 2026: 3.25% APYOct 21, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
36 Month Jumbo Certificates
$0
3.20% ▲ 0.08% above Texas avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.08% above avgNationally 2.81%
Details

APY effective as of 10/21/2026; *$100,000 minimum balance

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
3 Year CD with Step-Up Option - Jumbo CD
$50,000
3.10% ▼ 0.02% below Texas avg
View
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.02% below avgNationally 2.81%
Details

Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 24, 2026: 3.10% APYSep 24, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
36 Month Regular Certificates
$0
3.10% ▼ 0.02% below Texas avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 0.02% below avgNationally 2.81%
Details

APY effective as of 10/21/2026; *$1,000 minimum balance

Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 25, 2026: 3.10% APYSep 25, 2026Oct 28, 2026
Alamo City Credit Union
Institution Rating:
F2.2 ★Texas Ratio: 26.67%
4801 NW Loop 410 Ste 100, San Antonio, TX 78229
36 Month Certificates
$0
3.09% ▼ 0.03% below Texas avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.03% below avgNationally 2.81%
Details

$10,000 Minimum Balance; Early withdrawal penalty of 1/2 of dividends earned

Rate History
No change since Oct 9, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 9, 2026: 3.09% APYOct 9, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 36 Month
$0
3.04% ▼ 0.08% below Texas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 0.08% below avgNationally 2.81%
Details

Balance: $100,000 & Over

Rate History
No change since Oct 23, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 23, 2026: 3.04% APYOct 23, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
3 Year CD with Step-Up Option
$1,000
3.00% ▼ 0.12% below Texas avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.12% below avgNationally 2.81%
Details

Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 36 Month
$0
2.99% ▼ 0.13% below Texas avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 0.13% below avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 23, 2026 · 2.99% APY
2.49%2.99%3.49%Oct 23, 2026: 2.99% APYOct 23, 2026Oct 28, 2026
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
7925 N New Braunfels Ave, San Antonio, TX 78209
Individual Retirement Account - 3 Years
$100
2.98% ▼ 0.14% below Texas avg
View
▼
Rate2.95%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.14% below avgNationally 2.81%
Details

Early withdrawal fee may apply

Rate History
No change since Oct 14, 2026 · 2.98% APY · checked 3 times
2.48%2.98%3.48%Oct 14, 2026: 2.98% APYOct 14, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 36 Month
$0
2.94% ▼ 0.18% below Texas avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 0.18% below avgNationally 2.81%
Details

Balance: $1000 - $49,999.99

Rate History
No change since Oct 23, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 23, 2026: 2.94% APYOct 23, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36 Month Standard CDs - Rewards
$0
2.75% ▼ 0.37% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.37% below avgNationally 2.81%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36 Month Standard IRA CDs - Rewards
$0
2.75% ▼ 0.37% below Texas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.37% below avgNationally 2.81%
Details

Rewards APY column; Dividend Rate 2.72%

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
3 Year Certificate of Deposit
$1,000
2.70% ▼ 0.42% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.42% below avgNationally 2.81%
Details

Standard CD rate; $1,000 minimum deposit required for CDs; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
36 Month IRA & Share Certificate
$0
2.50% ▼ 0.62% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 0.62% below avgNationally 2.81%
Details

Balance tier starting at $10,000

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36 Month Standard CDs - Regular
$0
2.49% ▼ 0.63% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.63% below avgNationally 2.81%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 3 times
1.99%2.49%2.99%Oct 14, 2026: 2.49% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36 Month Standard IRA CDs - Regular
$0
2.49% ▼ 0.63% below Texas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.63% below avgNationally 2.81%
Details

Regular APY column; Dividend Rate 2.47%

Rate History
No change since Oct 19, 2026 · 2.49% APY · checked 2 times
1.99%2.49%2.99%Oct 19, 2026: 2.49% APYOct 19, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
3 Year Fixed Rate CD
$0
2.00% ▼ 1.12% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.12% below avgNationally 2.81%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
Fixed Rate CD - 3-Year
$0
2.00% ▼ 1.12% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.12% below avgNationally 2.81%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Term Share Certificate - 36 Month
$10,000
1.75% ▼ 1.37% below Texas avg
View
▼
Rate1.74%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 1.37% below avgNationally 2.81%
Details

Balance: Balances greater than $9,999.99

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50%
1.00%1.63%2.25%Sep 14, 2026: 1.50% APYOct 9, 2026: 1.75% APYSep 14, 2026Oct 28, 2026
  • Oct 9, 20261.75%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4306 Broadway Street, San Antonio, TX 78209
3 Year Standard CD Products
$1,000
1.50% ▼ 1.62% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4306 Broadway Street, San Antonio, TX 78209
IRA CD - 3 Years
$1,000
1.50% ▼ 1.62% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details

CD rates are fixed for the term of the CD.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
36 Month Jumbo CD
$90,000
1.50% ▼ 1.62% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
36 Month Standard CD
$1,000
1.50% ▼ 1.62% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
3 Year CD
$500
1.40% ▼ 1.72% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.72% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
IRA 3 Year Certificate
$500
1.40% ▼ 1.72% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.72% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 1.40% APY · checked 3 times
0.90%1.40%1.90%Sep 27, 2026: 1.40% APYSep 27, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Jumbo CD
$95,000
1.30% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.82% below avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 1.29% → 1.30% ▲ 0.01 pts · high 1.30% / low 1.29%
0.79%1.30%1.80%Sep 18, 2026: 1.29% APYOct 20, 2026: 1.30% APYSep 18, 2026Oct 28, 2026
  • Oct 20, 20261.30%▲ from 1.29%
  • Sep 18, 20261.29%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Standard CD
$1,000
1.30% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.82% below avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 1.29% → 1.30% ▲ 0.01 pts · high 1.30% / low 1.29%
0.79%1.30%1.80%Sep 18, 2026: 1.29% APYOct 20, 2026: 1.30% APYSep 18, 2026Oct 28, 2026
  • Oct 20, 20261.30%▲ from 1.29%
  • Sep 18, 20261.29%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Super Jumbo CD
$175,000
1.30% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.82% below avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 1.29% → 1.30% ▲ 0.01 pts · high 1.30% / low 1.29%
0.79%1.30%1.80%Sep 18, 2026: 1.29% APYOct 20, 2026: 1.30% APYSep 18, 2026Oct 28, 2026
  • Oct 20, 20261.30%▲ from 1.29%
  • Sep 18, 20261.29%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Jumbo CD
$95,000
1.29% ▼ 1.83% below Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.83% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.29% APY · checked 9 times
0.79%1.29%1.79%Sep 18, 2026: 1.29% APYSep 18, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Standard CD
$1,000
1.29% ▼ 1.83% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.83% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.29% APY · checked 9 times
0.79%1.29%1.79%Sep 18, 2026: 1.29% APYSep 18, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
3 Year Super jumbo CD
$175,000
1.29% ▼ 1.83% below Texas avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.83% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.29% APY · checked 9 times
0.79%1.29%1.79%Sep 18, 2026: 1.29% APYSep 18, 2026Oct 28, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Term Share Certificate - 36 Month
$1,000
1.23% ▼ 1.89% below Texas avg
View
▼
Rate1.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 1.89% below avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 1.05% → 1.23% ▲ 0.18 pts · high 1.23% / low 1.05%
0.55%1.14%1.73%Sep 14, 2026: 1.05% APYOct 9, 2026: 1.23% APYSep 14, 2026Oct 28, 2026
  • Oct 9, 20261.23%▲ from 1.05%
  • Sep 14, 20261.05%first recorded

San Antonio 48 Month CD Rates

Texas 48 Month CD Average3.03% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
48 Month Term Share Certificate
$0
4.20% ▲ 1.17% above Texas avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.17% above avgNationally 2.80%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
48 Month Term Share Certificate
$0
4.10% ▲ 1.07% above Texas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 4 Year
$250,001
4.02% ▲ 0.99% above Texas avg
View
▼
Rate3.95%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 7 times
3.52%4.02%4.52%Sep 21, 2026: 4.02% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 4 Year
$100,001
3.97% ▲ 0.94% above Texas avg
View
▼
Rate3.90%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.94% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 7 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 4 Year
$50,001
3.92% ▲ 0.89% above Texas avg
View
▼
Rate3.85%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 21, 2026: 3.92% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate - 4 Year
$250,001
3.92% ▲ 0.89% above Texas avg
View
▼
Rate3.85%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.89% above avgNationally 2.80%
Details

Balance: $250,001 and over

Rate History
No change since Sep 21, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Sep 21, 2026: 3.92% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates - 4 Year
$1,000
3.87% ▲ 0.84% above Texas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.84% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 7 times
3.37%3.87%4.37%Sep 21, 2026: 3.87% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate - 4 Year
$100,001
3.87% ▲ 0.84% above Texas avg
View
▼
Rate3.80%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.84% above avgNationally 2.80%
Details

Balance: $100,001 - $250,000

Rate History
No change since Sep 21, 2026 · 3.87% APY · checked 8 times
3.37%3.87%4.37%Sep 21, 2026: 3.87% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate - 4 Year
$50,001
3.82% ▲ 0.79% above Texas avg
View
▼
Rate3.75%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.79% above avgNationally 2.80%
Details

Balance: $50,001 - $100,000

Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificate - 4 Year
$1,000
3.76% ▲ 0.73% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.73% above avgNationally 2.80%
Details

Balance: $1,000 - $50,000; Minimum Deposit: $1,000

Rate History
No change since Sep 21, 2026 · 3.76% APY · checked 8 times
3.26%3.76%4.26%Sep 21, 2026: 3.76% APYSep 21, 2026Oct 28, 2026
Commerce Bank Texas
Institution Rating:
A-5.0 ★Texas Ratio: 15.11%
1501 Bexar Crossing St, San Antonio, TX 78232
4 Year Certificate
$0
3.44% ▲ 0.41% above Texas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.41% above avgNationally 2.80%
Details

Balance: Up to $250,000.00; Compounding quarterly; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.44% APY · checked 3 times
2.94%3.44%3.94%Oct 20, 2026: 3.44% APYOct 20, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
Certificates of Deposit (CD) - 48-Month
$0
3.35% ▲ 0.32% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▲ 0.32% above avgNationally 2.80%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] Jumbo - 4 years
$50,000
3.35% ▲ 0.32% above Texas avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.32% above avgNationally 2.80%
Details

Balance: $50,000 and up; Jumbo CD; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 21, 2026: 3.35% APYOct 21, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
19500 Bulverde Rd, San Antonio, TX 78259
4 Year IRA Certificate
$1,000
3.30% ▲ 0.27% above Texas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.27% above avgNationally 2.80%
Details

4 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] - 4 years
$1,000
3.25% ▲ 0.22% above Texas avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.22% above avgNationally 2.80%
Details

Balance: $1,000 to $49,999; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 21, 2026: 3.25% APYOct 21, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
4 Year CD with Step-Up Option - Jumbo CD
$50,000
3.10% ▲ 0.07% above Texas avg
View
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.07% above avgNationally 2.80%
Details

Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 24, 2026: 3.10% APYSep 24, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
4 Year CD with Step-Up Option
$1,000
3.00% ▼ 0.03% below Texas avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.03% below avgNationally 2.80%
Details

Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
48 Month Jumbo Certificates
$0
3.00% ▼ 0.03% below Texas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 0.03% below avgNationally 2.80%
Details

APY effective as of 10/21/2026; *$100,000 minimum balance

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
48 Month Regular Certificates
$0
2.90% ▼ 0.13% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 0.13% below avgNationally 2.80%
Details

APY effective as of 10/21/2026; *$1,000 minimum balance

Rate History
No change since Sep 25, 2026 · 2.90% APY · checked 4 times
2.40%2.90%3.40%Sep 25, 2026: 2.90% APYSep 25, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48 Month Standard CDs - Rewards
$0
2.90% ▼ 0.13% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.13% below avgNationally 2.80%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 14, 2026: 2.90% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48 Month Standard IRA CDs - Rewards
$0
2.90% ▼ 0.13% below Texas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.13% below avgNationally 2.80%
Details

Rewards APY column; Dividend Rate 2.86%

Rate History
No change since Oct 19, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 19, 2026: 2.90% APYOct 19, 2026Oct 28, 2026
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
7925 N New Braunfels Ave, San Antonio, TX 78209
Individual Retirement Account - 4 Years
$100
2.88% ▼ 0.15% below Texas avg
View
▼
Rate2.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.15% below avgNationally 2.80%
Details

Early withdrawal fee may apply

Rate History
No change since Oct 14, 2026 · 2.88% APY · checked 3 times
2.38%2.88%3.38%Oct 14, 2026: 2.88% APYOct 14, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2330 Loop 1604 West, San Antonio, TX 78248
Certificate of Deposit - 48 Month
$0
2.75% ▼ 0.28% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.28% below avgNationally 2.80%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
4 Year Certificate of Deposit
$1,000
2.70% ▼ 0.33% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.33% below avgNationally 2.80%
Details

Standard CD rate; $1,000 minimum deposit required for CDs; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48 Month Standard CDs - Regular
$0
2.64% ▼ 0.39% below Texas avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.39% below avgNationally 2.80%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 3 times
2.14%2.64%3.14%Oct 14, 2026: 2.64% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48 Month Standard IRA CDs - Regular
$0
2.64% ▼ 0.39% below Texas avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.39% below avgNationally 2.80%
Details

Regular APY column; Dividend Rate 2.61%

Rate History
No change since Oct 19, 2026 · 2.64% APY · checked 2 times
2.14%2.64%3.14%Oct 19, 2026: 2.64% APYOct 19, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
48 Month IRA & Share Certificate
$0
2.60% ▼ 0.43% below Texas avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 0.43% below avgNationally 2.80%
Details

Balance tier starting at $10,000

Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 18, 2026: 2.60% APYSep 18, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 48 Month
$0
2.43% ▼ 0.60% below Texas avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 0.60% below avgNationally 2.80%
Details

Balance: $100,000 & Over

Rate History
No change since Oct 23, 2026 · 2.43% APY
1.93%2.43%2.93%Oct 23, 2026: 2.43% APYOct 23, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 48 Month
$0
2.38% ▼ 0.65% below Texas avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 0.65% below avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 23, 2026 · 2.38% APY
1.88%2.38%2.88%Oct 23, 2026: 2.38% APYOct 23, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
Share Certificate 48 Month
$0
2.32% ▼ 0.71% below Texas avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 0.71% below avgNationally 2.80%
Details

Balance: $1000 - $49,999.99

Rate History
No change since Oct 23, 2026 · 2.32% APY
1.82%2.32%2.82%Oct 23, 2026: 2.32% APYOct 23, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
4 Year Fixed Rate CD
$0
2.00% ▼ 1.03% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.03% below avgNationally 2.80%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
Fixed Rate CD - 4-Year
$0
2.00% ▼ 1.03% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.03% below avgNationally 2.80%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4306 Broadway Street, San Antonio, TX 78209
4 Year Standard CD Products
$1,000
1.50% ▼ 1.53% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.53% below avgNationally 2.80%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4306 Broadway Street, San Antonio, TX 78209
IRA CD - 4 Years
$1,000
1.50% ▼ 1.53% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.53% below avgNationally 2.80%
Details

CD rates are fixed for the term of the CD.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
48 Month IRA & Share Certificate
$0
1.30% ▼ 1.73% below Texas avg
View
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 1.73% below avgNationally 2.80%
Details

Balance tier starting at $5,000

Rate History
No change since Sep 18, 2026 · 1.30% APY · checked 5 times
0.80%1.30%1.80%Sep 18, 2026: 1.30% APYSep 18, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Jumbo CD
$95,000
1.25% ▼ 1.78% below Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.78% below avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 1.24% → 1.25% ▲ 0.01 pts · high 1.25% / low 1.24%
0.74%1.25%1.75%Sep 18, 2026: 1.24% APYOct 20, 2026: 1.25% APYSep 18, 2026Oct 28, 2026
  • Oct 20, 20261.25%▲ from 1.24%
  • Sep 18, 20261.24%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Standard CD
$1,000
1.25% ▼ 1.78% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.78% below avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 1.24% → 1.25% ▲ 0.01 pts · high 1.25% / low 1.24%
0.74%1.25%1.75%Sep 18, 2026: 1.24% APYOct 20, 2026: 1.25% APYSep 18, 2026Oct 28, 2026
  • Oct 20, 20261.25%▲ from 1.24%
  • Sep 18, 20261.24%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Super Jumbo CD
$175,000
1.25% ▼ 1.78% below Texas avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.78% below avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 1.24% → 1.25% ▲ 0.01 pts · high 1.25% / low 1.24%
0.74%1.25%1.75%Sep 18, 2026: 1.24% APYOct 20, 2026: 1.25% APYSep 18, 2026Oct 28, 2026
  • Oct 20, 20261.25%▲ from 1.24%
  • Sep 18, 20261.24%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Jumbo CD
$95,000
1.24% ▼ 1.79% below Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.79% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 9 times
0.74%1.24%1.74%Sep 18, 2026: 1.24% APYSep 18, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Standard CD
$1,000
1.24% ▼ 1.79% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.79% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 9 times
0.74%1.24%1.74%Sep 18, 2026: 1.24% APYSep 18, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Super jumbo CD
$175,000
1.24% ▼ 1.79% below Texas avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.79% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 9 times
0.74%1.24%1.74%Sep 18, 2026: 1.24% APYSep 18, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
4 Year CD
$500
1.15% ▼ 1.88% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.88% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
IRA 4 Year Certificate
$500
1.15% ▼ 1.88% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.88% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 1.15% APY · checked 3 times
0.65%1.15%1.65%Sep 27, 2026: 1.15% APYSep 27, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
48 Month IRA & Share Certificate
$0
1.00% ▼ 2.03% below Texas avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 2.03% below avgNationally 2.80%
Details

Balance tier starting at $500

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 28, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1000 Nw Loop 410, San Antonio, TX 78213
48 Month Personal Certificate of Deposit
$0
0.05% ▼ 2.98% below Texas avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.98% below avgNationally 2.80%
Details

Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
112 E Pecan St, San Antonio, TX 78205
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 3.00% below Texas avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.00% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
112 E Pecan St, San Antonio, TX 78205
IRA CD 48 Months
$250
0.03% ▼ 3.00% below Texas avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.00% below avgNationally 2.80%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
112 E Pecan St, San Antonio, TX 78205
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 3.01% below Texas avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.01% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 28, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
112 E Pecan St, San Antonio, TX 78205
IRA CD 48 Months
$250
0.02% ▼ 3.01% below Texas avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.01% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
4 Year Adjustable Rate CD - Jumbo
$95,000
0.01% ▼ 3.02% below Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 3.02% below avgNationally 2.80%
Details

Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 28, 2026

San Antonio 60 Month CD Rates

Texas 60 Month CD Average3.07% APYNational 2.91%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
60 Month Term Share Certificate
$0
4.35% ▲ 1.28% above Texas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.28% above avgNationally 2.91%
Details

Balance: JUMBO $95,000+; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 28, 2026
Greater Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078
60 Month Term Share Certificate
$0
4.25% ▲ 1.18% above Texas avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Balance: $1,000; Compounded daily, paid quarterly

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (5 year)
$250,001
4.02% ▲ 0.95% above Texas avg
View
▼
Rate3.95%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.95% above avgNationally 2.91%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Oct 5, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Oct 5, 2026: 4.02% APYOct 5, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (5 year)
$100,001
3.97% ▲ 0.90% above Texas avg
View
▼
Rate3.90%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.90% above avgNationally 2.91%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Oct 5, 2026 · 3.97% APY · checked 3 times
3.47%3.97%4.47%Oct 5, 2026: 3.97% APYOct 5, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
5 Year Share Certificates
$250,001
3.92% ▲ 0.85% above Texas avg
View
▼
Rate3.85%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.85% above avgNationally 2.91%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Oct 15, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 15, 2026: 3.92% APYOct 15, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (5 year)
$50,001
3.92% ▲ 0.85% above Texas avg
View
▼
Rate3.85%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.85% above avgNationally 2.91%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Oct 5, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 5, 2026: 3.92% APYOct 5, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
5 Year Long-Term Certificate (Share, IRA, ESA)
$0
3.90% ▲ 0.83% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.83% above avgNationally 2.91%
Details

Minimum balance tier: $100K Minimum APY

Rate History
No change since Oct 26, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 26, 2026: 3.90% APYOct 26, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
5 Year Share Certificates
$100,001
3.87% ▲ 0.80% above Texas avg
View
▼
Rate3.80%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.80% above avgNationally 2.91%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Oct 15, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 15, 2026: 3.87% APYOct 15, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (5 year)
$1,000
3.87% ▲ 0.80% above Texas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.80% above avgNationally 2.91%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Oct 5, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Oct 5, 2026: 3.87% APYOct 5, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Westpointe Shopping Center, San Antonio, TX 78245
5 Year Long-Term Certificate (Share, IRA, ESA)
$0
3.85% ▲ 0.78% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.78% above avgNationally 2.91%
Details

Minimum balance tier: $1K Minimum APY

Rate History
No change since Oct 26, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 26, 2026: 3.85% APYOct 26, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
5 Year Share Certificates
$50,001
3.82% ▲ 0.75% above Texas avg
View
▼
Rate3.75%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.75% above avgNationally 2.91%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 28, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
5 Year Share Certificates
$1,000
3.76% ▲ 0.69% above Texas avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.69% above avgNationally 2.91%
Details

Rates applicable 10/21/2026 - 10/27/2026

Rate History
No change since Oct 15, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 15, 2026: 3.76% APYOct 15, 2026Oct 28, 2026
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
60 Month Jumbo Certificates
$0
3.60% ▲ 0.53% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.53% above avgNationally 2.91%
Details

APY effective as of 10/21/2026; *$100,000 minimum balance

Rate History
1 change since Sep 25, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 25, 2026: 3.35% APYOct 23, 2026: 3.60% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20263.60%▲ from 3.35%
  • Sep 25, 20263.35%first recorded
Generations Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1100 NW Loop 410, San Antonio, TX 78213
60 Month Regular Certificates
$0
3.60% ▲ 0.53% above Texas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.53% above avgNationally 2.91%
Details

APY effective as of 10/21/2026; *$1,000 minimum balance

Rate History
1 change since Sep 25, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 25, 2026: 3.35% APYOct 23, 2026: 3.60% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20263.60%▲ from 3.35%
  • Sep 25, 20263.35%first recorded
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
19500 Bulverde Rd, San Antonio, TX 78259
5 Year IRA Certificate
$1,000
3.40% ▲ 0.33% above Texas avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.33% above avgNationally 2.91%
Details

5 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 28, 2026
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
5 Year Regular CD
$500
3.40% ▲ 0.33% above Texas avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.33% above avgNationally 2.91%
Details

Also available as IRA CD

Rate History
No change since Oct 19, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 19, 2026: 3.40% APYOct 19, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] Jumbo - 5 years
$50,000
3.35% ▲ 0.28% above Texas avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.28% above avgNationally 2.91%
Details

Balance: $50,000 and up; Jumbo CD; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 21, 2026: 3.35% APYOct 21, 2026Oct 28, 2026
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
200 Austin Hwy, San Antonio, TX 78209
Certificates of Deposit (CD) - 60-Month
$0
3.25% ▲ 0.18% above Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▲ 0.18% above avgNationally 2.91%
Details

Certificates of deposit above $250,000.00 will earn a reduced rate; Annual Percentage Yield effective 8/20/2026

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
Certificate of Deposit [CD] - 5 years
$1,000
3.25% ▲ 0.18% above Texas avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.18% above avgNationally 2.91%
Details

Balance: $1,000 to $49,999; Valid for IRAs

Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 21, 2026: 3.25% APYOct 21, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
5 Year CD with Step-Up Option - Jumbo CD
$50,000
3.10% ▲ 0.03% above Texas avg
View
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.03% above avgNationally 2.91%
Details

Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 24, 2026: 3.10% APYSep 24, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60 Month Standard CDs - Rewards
$0
3.10% ▲ 0.03% above Texas avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.03% above avgNationally 2.91%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60 Month Standard IRA CDs - Rewards
$0
3.10% ▲ 0.03% above Texas avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.03% above avgNationally 2.91%
Details

Rewards APY column; Dividend Rate 3.06%

Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 28, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
17300 Henderson Pass, San Antonio, TX 78232
5 Year CD with Step-Up Option
$1,000
3.00% ▼ 0.07% below Texas avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.07% below avgNationally 2.91%
Details

Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60 Month Standard CDs - Regular
$0
2.84% ▼ 0.23% below Texas avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.23% below avgNationally 2.91%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 3 times
2.34%2.84%3.34%Oct 14, 2026: 2.84% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60 Month Standard IRA CDs - Regular
$0
2.84% ▼ 0.23% below Texas avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.23% below avgNationally 2.91%
Details

Regular APY column; Dividend Rate 2.81%

Rate History
No change since Oct 19, 2026 · 2.84% APY · checked 2 times
2.34%2.84%3.34%Oct 19, 2026: 2.84% APYOct 19, 2026Oct 28, 2026
PlainsCapital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
7925 N New Braunfels Ave, San Antonio, TX 78209
Individual Retirement Account - 5 Years
$100
2.83% ▼ 0.24% below Texas avg
View
▼
Rate2.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.24% below avgNationally 2.91%
Details

Early withdrawal fee may apply

Rate History
No change since Oct 14, 2026 · 2.83% APY · checked 3 times
2.33%2.83%3.33%Oct 14, 2026: 2.83% APYOct 14, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2330 Loop 1604 West, San Antonio, TX 78248
Certificate of Deposit - 60 Month
$0
2.75% ▼ 0.32% below Texas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.32% below avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.89%
1020 Ne Loop 410, San Antonio, TX 78209
5 Year Certificate of Deposit
$1,000
2.70% ▼ 0.37% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.37% below avgNationally 2.91%
Details

Standard CD rate; $1,000 minimum deposit required for CDs; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
60 Month IRA & Share Certificate
$0
2.70% ▼ 0.37% below Texas avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 0.37% below avgNationally 2.91%
Details

Balance tier starting at $10,000

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 60 Month
$0
2.48% ▼ 0.59% below Texas avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 0.59% below avgNationally 2.91%
Details

Balance: $100,000 & Over; Dividend Rate / APY

Rate History
3 changes since Sep 14, 2026 · 2.48% → 2.48% ▼ 0.00 pts · high 2.48% / low 2.48%
1.98%2.48%2.98%Sep 14, 2026: 2.48% APYOct 13, 2026: 2.48% APYOct 15, 2026: 2.48% APYOct 23, 2026: 2.48% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20262.48%▼ from 2.48%
  • Oct 15, 20262.48%▼ from 2.48%
  • Oct 13, 20262.48%▲ from 2.48%
  • Sep 14, 20262.48%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 60 Month
$0
2.43% ▼ 0.64% below Texas avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 0.64% below avgNationally 2.91%
Details

Balance: $50,000.00 - $99,999.99; Dividend Rate / APY

Rate History
3 changes since Sep 14, 2026 · 2.43% → 2.43% ▼ 0.00 pts · high 2.43% / low 2.43%
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYOct 13, 2026: 2.43% APYOct 15, 2026: 2.43% APYOct 23, 2026: 2.43% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20262.43%▼ from 2.43%
  • Oct 15, 20262.43%▼ from 2.43%
  • Oct 13, 20262.43%▲ from 2.43%
  • Sep 14, 20262.43%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 60 Month
$0
2.38% ▼ 0.69% below Texas avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 0.69% below avgNationally 2.91%
Details

Balance: $1000 - $49,999.99; Dividend Rate / APY

Rate History
3 changes since Sep 14, 2026 · 2.38% → 2.38% ▼ 0.00 pts · high 2.38% / low 2.38%
1.88%2.38%2.88%Sep 14, 2026: 2.38% APYOct 13, 2026: 2.38% APYOct 15, 2026: 2.38% APYOct 23, 2026: 2.38% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20262.38%▼ from 2.38%
  • Oct 15, 20262.38%▼ from 2.38%
  • Oct 13, 20262.38%▲ from 2.38%
  • Sep 14, 20262.38%first recorded
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
5 Year Fixed Rate CD
$0
2.00% ▼ 1.07% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.07% below avgNationally 2.91%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
100 Citibank Dr, San Antonio, TX 78245
Fixed Rate CD - 5-Year
$0
2.00% ▼ 1.07% below Texas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.07% below avgNationally 2.91%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Term Share Certificate - 60 Month
$10,000
1.75% ▼ 1.32% below Texas avg
View
▼
Rate1.74%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 1.32% below avgNationally 2.91%
Details

Balance: Balances greater than $9,999.99

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50%
1.00%1.63%2.25%Sep 14, 2026: 1.50% APYOct 9, 2026: 1.75% APYSep 14, 2026Oct 28, 2026
  • Oct 9, 20261.75%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4306 Broadway Street, San Antonio, TX 78209
5 Year Standard CD Products
$1,000
1.50% ▼ 1.57% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details

Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4306 Broadway Street, San Antonio, TX 78209
IRA CD - 5 Years
$1,000
1.50% ▼ 1.57% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details

CD rates are fixed for the term of the CD.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
60 Month Jumbo CD
$90,000
1.50% ▼ 1.57% below Texas avg
View
▼
RateN/A
Min Deposit$90,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1177 Ne Loop 410, San Antonio, TX 78209
60 Month Standard CD
$1,000
1.50% ▼ 1.57% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 28, 2026
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
60 Month IRA & Share Certificate
$0
1.40% ▼ 1.67% below Texas avg
View
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 1.67% below avgNationally 2.91%
Details

Balance tier starting at $5,000

Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 5 times
0.90%1.40%1.90%Sep 18, 2026: 1.40% APYSep 18, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Jumbo CD
$95,000
1.25% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.82% below avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 1.24% → 1.25% ▲ 0.01 pts · high 1.25% / low 1.24%
0.74%1.25%1.75%Sep 18, 2026: 1.24% APYOct 20, 2026: 1.25% APYSep 18, 2026Oct 28, 2026
  • Oct 20, 20261.25%▲ from 1.24%
  • Sep 18, 20261.24%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Standard CD
$1,000
1.25% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.82% below avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 1.24% → 1.25% ▲ 0.01 pts · high 1.25% / low 1.24%
0.74%1.25%1.75%Sep 18, 2026: 1.24% APYOct 20, 2026: 1.25% APYSep 18, 2026Oct 28, 2026
  • Oct 20, 20261.25%▲ from 1.24%
  • Sep 18, 20261.24%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Super Jumbo CD
$175,000
1.25% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.82% below avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 1.24% → 1.25% ▲ 0.01 pts · high 1.25% / low 1.24%
0.74%1.25%1.75%Sep 18, 2026: 1.24% APYOct 20, 2026: 1.25% APYSep 18, 2026Oct 28, 2026
  • Oct 20, 20261.25%▲ from 1.24%
  • Sep 18, 20261.24%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
5 Year CD
$500
1.25% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.82% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6703 Leslie Road, San Antonio, TX 78253
IRA 5 Year Certificate
$500
1.25% ▼ 1.82% below Texas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.82% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Jumbo CD
$95,000
1.24% ▼ 1.83% below Texas avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.83% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 9 times
0.74%1.24%1.74%Sep 18, 2026: 1.24% APYSep 18, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Standard CD
$1,000
1.24% ▼ 1.83% below Texas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.83% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 9 times
0.74%1.24%1.74%Sep 18, 2026: 1.24% APYSep 18, 2026Oct 28, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
10750 Mcdermott Fwy, San Antonio, TX 78288
5 Year Super jumbo CD
$175,000
1.24% ▼ 1.83% below Texas avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.83% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 9 times
0.74%1.24%1.74%Sep 18, 2026: 1.24% APYSep 18, 2026Oct 28, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Term Share Certificate - 60 Month
$1,000
1.23% ▼ 1.84% below Texas avg
View
▼
Rate1.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 1.84% below avgNationally 2.91%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 1.05% → 1.23% ▲ 0.18 pts · high 1.23% / low 1.05%
0.55%1.14%1.73%Sep 14, 2026: 1.05% APYOct 9, 2026: 1.23% APYSep 14, 2026Oct 28, 2026
  • Oct 9, 20261.23%▲ from 1.05%
  • Sep 14, 20261.05%first recorded
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
7215 Culebra Rd, San Antonio, TX 78251 1305
60 Month IRA & Share Certificate
$0
1.10% ▼ 1.97% below Texas avg
View
▼
Rate1.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 1.97% below avgNationally 2.91%
Details

Balance tier starting at $500

Rate History
No change since Sep 18, 2026 · 1.10% APY · checked 5 times
0.60%1.10%1.60%Sep 18, 2026: 1.10% APYSep 18, 2026Oct 28, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from San Antonio, Texas Institutions

Highest verified APYs available today, updated October 27, 2026

B Top 5 Bank Rates
Vio Bank
Certificate of Deposit - 24 Month
A+ 5.0 ★ TX: 4.93%
Min: $0
4.40%
Bask Bank
Bask 12-month CD
A+ 5.0 ★ TX: 3.64%
Min: $1,000
4.35%
Citi
1 Year Fixed Rate CD
A+ 5.0 ★ TX: 2.82%
Min: $0
4.25%
Hancock Whitney Bank
24 Month Certificate of Deposit
A+ 5.0 ★ TX: 3.41%
Min: $0
4.25%
Texas Capital Bank
18 Month Star Certificate of Deposit
A+ 5.0 ★ TX: 3.64%
Min: $1,000
4.25%
CU Top 5 Credit Union Rates
HEB Federal Credit Union
Super Flex Term CD Special (6-18 months)
A+ 5.0 ★ TX: 0.70%
Min: $0
4.65%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Greater Texas Credit Union
60 Month Term Share Certificate
A+ 5.0 ★ TX: 5.54%
Min: $0
4.35%
Synergy Federal Credit Union
IRA Certificate - 3 year
A+ 5.0 ★ TX: 1.39%
Min: $250,001
4.23%
Nizari Progressive Federal Credit Union
Momentum Share Certificate - 3 Month Special
A+ 5.0 ★ TX: 1.16%
Min: $0
4.13%
Rates verified October 27, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

San Antonio, TX CD Rate Trends

Compare local San Antonio, 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.

View Full Texas CD Trends
12-Month CD TX Avg
3.389%
▼ 0.026 vs 7 days ago

Texas 12-month CD rates fell 0.026 points over the past 7 days to 3.389% APY.

6-Month CD TX Avg
3.244%
▼ 0.024 vs 7 days ago

Texas 6-month CD rates fell 0.024 points over the past 7 days to 3.244% APY.

As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions

TX CD Rate Forecast, Next 12 Months

Where are Texas CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

TX 12-Month Avg APY
3.389%
6-Month Forecast
3.389%
Range: 3.19%, 3.54%
12-Month Forecast
3.639%
Range: 3.44%, 3.79%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Texas average 12-month CD APY in our database.

Spread model: The Texas 12-month CD average currently trades 0.99% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 2.503% $125.16 $250.33 $625.83 $1,251.65
6-Month CD 3.244% $162.18 $324.36 $810.90 $1,621.80
12-Month CD 3.389% $169.45 $338.91 $847.28 $1,694.55
18-Month CD 3.279% $163.94 $327.87 $819.68 $1,639.35
24-Month CD 3.215% $160.76 $321.52 $803.80 $1,607.60
36-Month CD 3.123% $156.17 $312.33 $780.83 $1,561.65
48-Month CD 3.027% $151.33 $302.66 $756.65 $1,513.30
60-Month CD 3.073% $153.64 $307.27 $768.18 $1,536.35
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 27, 2026.
Powered byMonitorBankRates

Sample CD Ladder for San Antonio, 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.

Build Your Ladder
Rung Term Deposit TX Avg APY Annual Earnings
1 3-Month CD $5,000 2.503% $125.16
2 6-Month CD $5,000 3.244% $162.18
3 12-Month CD $5,000 3.389% $169.45
4 24-Month CD $5,000 3.215% $160.76
5 36-Month CD $5,000 3.123% $156.17
Total ($25,000 invested) $25,000 3.095% blended $773.72/yr

Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
4,039
CD Rates
Tracked in San Antonio, Texas
43 Banks 57 Credit Unions

About Our San Antonio, Texas CD Rate Database

MonitorBankRates tracks 4,039 CD rates from 43 banks and 57 credit unions with locations in San Antonio, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: HEB Federal Credit Union offers a CD at 4.65% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in San Antonio, Texas.

How to Find the Best CD Rates in San Antonio, Texas

What to compare when shopping for a CD in San Antonio, Texas

To find the best APYs in San Antonio, Texas, start with credit unions and online-only banks: San Antonio, Texas has 57 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 San Antonio, 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 San Antonio, Texas: 100 institutions here report CD rates

Consider an Alternative If…

San Antonio, Texas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$36,669
National avg: $47,340
Poverty Rate
17.1%
National avg: 11.1%
Unemployment Rate
6.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$124/yr
At TX 12-mo avg 3.389% 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 3.389%, saving 10% of the local median salary ($3,666/year) and putting it in a CD would earn an additional $124 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 San Antonio, Texas

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

CD Product Information

How CDs Work

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in San Antonio, 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 San Antonio, Texas as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give San Antonio, Texas savers easier access to their funds. For example, Synergy Federal Credit Union is offering its IRA Certificates (6 months) at 4.23% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Greater Texas Credit Union is offering its 60 Month Term Share Certificate at 4.35% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a San Antonio, Texas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the San Antonio, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates

Most CDs carry a fixed rate that is locked for the entire term, protecting a San Antonio, 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 San Antonio, Texas

What are CD rates in San Antonio, Texas today?

San Antonio, Texas CD rates range from 0.01% to 5.00% APY as of October 27, 2026, verified by MonitorBankRates. Top rates include 4.65% APY at HEB Federal Credit Union (Super Flex Term CD Special (6-18 months)), 4.40% at Vio Bank (Certificate of Deposit - 24 Month) and 4.35% at Navy Federal Credit Union (12 Month Special EasyStart Certificate), compared with the MonitorBankRates national 12 month average of 3.00% APY.

Are CD rates in San Antonio, Texas FDIC insured?

Yes, most established banks in San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, Texas?

Here are recent top rates found for this area:
  • HEB Federal Credit Union: 4.65% APY (Super Flex Term CD Special (6-18 months))
  • Vio Bank: 4.40% APY (Certificate of Deposit - 24 Month)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Greater Texas Credit Union: 4.35% APY (60 Month Term Share Certificate)
  • Bask Bank: 4.35% APY (Bask 12-month CD)
  • Citi: 4.25% APY (1 Year Fixed Rate CD)
  • Hancock Whitney Bank: 4.25% APY (24 Month Certificate of Deposit)
  • Texas Capital Bank: 4.25% APY (18 Month Star Certificate of Deposit)
  • Crescent Bank: 4.25% APY (18 Month CD)
  • Synergy Federal Credit Union: 4.23% APY (IRA Certificate - 3 year)
Rates reflect recent verified offers available in San Antonio, Texas. Last Updated: October 27, 2026

San Antonio, 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 San Antonio, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top San Antonio, Texas CD Rates by Term

Verified October 27, 2026 · click a rate to use its term and APY
Highest verified APY per term available in San Antonio, Texas. Averages shown use the Texas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for San Antonio, Texas

San Antonio, Texas CD Calculator

At today’s TX top rate of 4.65% APY, a $10,000 deposit earns $465 in the first year. Enter your amount to see your exact return.

San Antonio, Texas CD Ladder

TX CD rates currently range from 2.503% (3-month) to 3.123% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a San Antonio, Texas CD at 4.65% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Texas’s average 12-month CD is 3.389% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Antonio, 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 San Antonio, 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 San Antonio, Texas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 27, 2026

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