CD Rates San Antonio, Texas (TX) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current San Antonio, Texas CD rates include Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX 78247A+5.0 ★Texas Ratio: 2.18%Real return: +1.22%APY minus CPI (February 2026) offering IRA Share Certificate 12 Month at 4.02% APY, Synergy Federal Credit UnionSynergy Federal Credit Union1 Valero Way, San Antonio, TX 78249 1616A+5.0 ★Texas Ratio: 0.96%Real return: +1.22%APY minus CPI (February 2026) offering IRA Certificates (2 year) at 4.02% APY, Plains State BankPlains State Bank8000 Ih West Suite 1507, San Antonio, TX 78230A+5.0 ★Texas Ratio: 5.75%Real return: +1.02%APY minus CPI (February 2026) offering 12 Month CD at 3.82% APY, Credit Human Federal Credit UnionCredit Human Federal Credit Union8889 Bandera Rd, San Antonio, TX 78250 2501A-5.0 ★Texas Ratio: 14.04%Real return: +1.00%APY minus CPI (February 2026) offering 6-month Share Certificate at 3.80% APY, and City Public Service IBEW Federal Credit UnionCity Public Service IBEW Federal Credit Union1002 Camden ST, San Antonio, TX 78215 1452A+5.0 ★Texas Ratio: 3.55%Real return: +0.91%APY minus CPI (February 2026) offering Share Certificates (Certificates of Deposit) 3 mo. at 3.71% APY. CD rates as of April 17, 2026 according to verified data from MonitorBankRates.
San Antonio has 68 local institutions in our database, with CD rates as high as 4.02% APY from Nizari Progressive Federal Credit Union at 12054 Starcrest Dr, San Antonio, TX 78247. 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 — 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: April 17, 2026
Compare Best CD Rates in San Antonio, Texas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX 78247
Momentum Share Certificate Rate 3 Month Special
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 3 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 Minimum to Earn APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Reach your goals faster and take your money even further.
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
3-Month Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
3 Month Term Share Certificate
$10,000
1.15%
▼
Rate1.14%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day Certificate of Deposit
$1,000
3.95%
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3-Month Certificate of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Consumer Online Banking Only
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 3 Month CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Online Only
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 3 Month
$225,000
3.49%
▼
Rate3.45%
Min Deposit$225,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
3-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
90 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Under $100,000
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
3-Month Certificates (INCLUDES IRA)
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
90 Day Jumbo Certificate Account
$50,000
2.25%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 17, 2026
Details
(Consumer Only)
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Penalties may apply for early withdrawals
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Month Jumbo Share Certificates
$0
1.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
90 Day CD
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
3 Month - Fixed IRA
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
3 Month CD
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
90 Day Certificates of Deposit
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Month Share Certificate
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 6 Month
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
8889 Bandera Rd, San Antonio, TX 78250 2501
6-month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Limited Time Only
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 6 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9324 Huebner Rd, San Antonio, TX 78240
6-month CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 17, 2026
Details
$50,000 - $250,000 New Money
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
6-Month Certificates of Deposit (CD)
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 Minimum to Earn APY
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
970 E Basse Rd, San Antonio, TX 78209
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
6 Month Certificate of Deposit
$2,500
2.52%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 Month Term Share Certificate
$10,000
1.60%
▼
Rate1.59%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
6-month term Certificates (CDs)
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Jumbo 6-Month Share Certificate
$100,000
4.08%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6 Month CAMPUS Share Certificates & IRA Share Certificates
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 6 Month
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Independent Retirement Accounts (IRA) 180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6-month Jumbo Share Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Age 0-17
Colonial Savings, F.A.
Institution Rating:
B+4.7 ★Texas Ratio: 19.01%
Special 6-Month CD
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 6 Month to 11 Month
$0
3.87%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month IRA Share Certificate
$1,500
3.85%
▼
Rate3.80%
Min Deposit$1,500
Min Balance—
UpdatedApr 17, 2026
Details
Minimum $1,500 to open
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 6 Month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
6 Month Certificate
$100,000
3.68%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Daily Balances of: $100,000 and over
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6-Month Jr Jumbo Share CD
$0
3.63%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 6 Mo. Jumbo
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
6 mo. Certificate
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★Texas Ratio: 16.23%
6-month Jumbo CD
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Month CD
$99,000
3.39%
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedApr 17, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 6 Month
$100
3.38%
▼
Rate3.32%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
Jumbo Certificate 6-Month
$75,000
3.35%
▼
Rate—
Min Deposit$75,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
6-Month Certificates (INCLUDES IRA)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
6 Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
6 Month Certificate
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month IRA Certificate
$0
3.15%
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Month Jumbo Certificate
$50,000
3.11%
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedApr 17, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposits 6 Month
$500
3.10%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
6-Month Certificates
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 180 Day CD
$250,000
3.02%
▼
Rate3.00%
Min Deposit$250,000
Min Balance—
UpdatedApr 17, 2026
Details
Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6 mo Share Certificates
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
6 month Priority Plus Term Share Certificate
$2,500
2.97%
▼
Rate2.95%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
180 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX 78247
IRA Share Certificate 12 Month
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (1 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Plains State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
8000 Ih West Suite 1507, San Antonio, TX 78230
12 Month CD
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 12 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
7410 Blanco Rd, San Antonio, TX 78216
12-month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
12-Month Certificates of Deposit (CD)
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
Regular CDs 1 Year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
12-Month Share Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 Minimum to Earn APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
FB-Org Certificate of Deposit [CD] 1 year
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
1 Year Certificate of Deposit
$2,500
2.50%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
IRA CDs 12 Month Fixed IRA
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
13750 San Pedro Ave, San Antonio, TX 78232
12-month fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
12 Month Term Share Certificate
$10,000
1.65%
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
510 Nw Loop 410, San Antonio, TX 78216
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
12-month term Certificates (CDs)
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12 Month Jumbo Share Certificates & IRA Share Certificates
$90,000
4.24%
▼
Rate4.15%
Min Deposit$90,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1-YEAR CD
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12 Month CD
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month
$0
3.92%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$10,000 - $49,999.99
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Independent Retirement Accounts (IRA) 365 Day (1 Year)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 Month Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Limited time offer. Only available in our branches.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
12-Month Term Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Over $50,000
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
12 mo. Share Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
12-month IRA Certificates of Deposit
$0
3.67%
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1 Year Share Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1 Year Share Certificates (CDs)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Share Certificates 1 Year
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
12 Month Certificate
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
1-Year Certificates (INCLUDES IRA)
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 12 month
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1 Year Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
As High As
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
12 Month Certificate
$1,000
3.44%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1 Year CD Fixed Rate
$40,000
3.39%
▼
Rate3.35%
Min Deposit$40,000
Min Balance—
UpdatedApr 17, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 12 Month
$100
3.34%
▼
Rate3.29%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA Certificates 1 year
$1,000
3.30%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Month Jumbo Certificate
$50,000
3.26%
▼
Rate3.22%
Min Deposit$50,000
Min Balance—
UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 12-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Daily Balances of: $500 - $99,999.99
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
12-month Certificate
$10,000
3.20%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
First United Bank Dimmitt, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular Certificates of Deposit 1 Year
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 18 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 Minimum to Earn APY
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
18-Month Certificates of Deposit (CD)
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX 78247
18 Month Share Certificate
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
18 Month Certificate of Deposit
$2,500
2.25%
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
IRA CDs 18 Month Variable IRA
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 and over
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
18-Month Certificate Special
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
High Rate, Short Term - Enjoy a competitive rate without locking in your money for years. Guaranteed Growth - Your earnings are safe and predictable. Easy to Open - Start with as little as $500.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$1,000.00 & over
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Regular Certificate 18 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
18 month Share Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18-month Regular Share Certificates
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
18 Month Certificate
$1,000
3.34%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
CD - Term Share 18 month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 month Term Share Certificate
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
Share & IRA Certificates - 18 Month
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month CD
$99,000
3.19%
▼
Rate3.15%
Min Deposit$99,000
Min Balance—
UpdatedApr 17, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month Jumbo Certificate
$50,000
3.11%
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedApr 17, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Regular and IRA Certificate 18-Month Term Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 18-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 18 Month
$225,000
2.98%
▼
Rate2.95%
Min Deposit$225,000
Min Balance—
UpdatedApr 17, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
18 Month CDs
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Month Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA Time Share Deposit Account 18 Month
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
18 Month CD
$1,000
2.43%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
18 Month - Fixed IRA
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
18-Month Share/IRA Certificate
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 month CD
$0
2.16%
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA - 18 Month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 18 Month
$0
1.95%
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Texas National Bank of Jacksonville
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Fixed Rate Certificates
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA 18 Month Fixed Rate
$1,000
1.36%
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
18 Month Term Share Certificates and IRA Term Share Certificates
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Month Share Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Brentwood Baptist Church Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 71.96%
18 month Share Certificate (CD)
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (2 year)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX 78215 1452
Share Certificates (Certificates of Deposit) 24 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 Minimum to Earn APY
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
24-Month Certificates of Deposit (CD)
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX 78247
24 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
24-month term Certificates (CDs)
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 W Houston St, San Antonio, TX 78205
IRA CDs 24 Month Fixed IRA
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
13333 Blanco Rd, San Antonio, TX 78216
2 Year Certificate of Deposit
$2,500
1.95%
▼
Rate1.95%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
24 Month Term Share Certificate
$10,000
1.50%
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 and over
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2-YEAR CD
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 24 Month Certificate
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
2 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 mo. Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month IRA Certificates of Deposit
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
24 Month IRA Share Certificate
$1,500
3.70%
▼
Rate3.65%
Min Deposit$1,500
Min Balance—
UpdatedApr 17, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 24 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
24 Month Members Advantage Share Certificates & IRA Share Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
24 Month CD/Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
2-Year Certificates (INCLUDES IRA)
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
24 Month Jumbo CD Special
$100,000
3.53%
▼
Rate3.47%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month IRA Certificate
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
24 month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 Year Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Special Certificate 24 Month
$5,000
3.42%
▼
Rate3.36%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Special Conditions: New Deposits Only - No Internal Transfers - Limited Time
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2 year Priority Plus IRA Term Share Certificate
$1,000
3.39%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 24-month Tier Jumbo
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
24 Month CD
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24 Month CD
$99,000
3.24%
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedApr 17, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
2 Year Certificate
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Daily Balances of: $100,000 and over
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24-Month Term Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Over $50,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
24 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
IRA Term Share Certificate 24 Month
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
24 month Certificates of Deposits
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 24-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 24 month
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
24 Month Term Share and IRA Certificates
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (2 year) 3 year
$250,001
3.97%
▼
Rate3.90%
Min Deposit$250,001
Min Balance—
UpdatedApr 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 Minimum to Earn APY
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
36-Month Certificates of Deposit (CD)
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX 78247
36 Month Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
36-month term Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
36 Month Term Share Certificate
$10,000
1.40%
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month IRA Certificates of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 36 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 Month Certificate
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
36 month term Certificates of Deposit and IRA** Certificates of Deposit
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Interest paid monthly
TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
36 Month Jumbo CD Special
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
36 Month IRA Share Certificate
$1,500
3.50%
▼
Rate3.45%
Min Deposit$1,500
Min Balance—
UpdatedApr 17, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Year IRA Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
36 Month Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Special Certificate 36 Month
$5,000
3.32%
▼
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Special Conditions: New Deposits Only - No Internal Transfers - Limited Time
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
3-Year Certificates (INCLUDES IRA)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36 Month CD
$99,000
3.24%
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Starting at $10,000+
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
36 Month Certificate
$1,000
3.08%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3 year Priority Plus IRA Term Share Certificate
$1,000
3.08%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
36 month Certificates of Deposits
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
36-Month Term Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Over $50,000
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36 Month Jumbo Certificate
$50,000
2.85%
▼
Rate2.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 17, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 36-month Tier Mini Jumbo
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Postel Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3 Year Certificate of Deposit
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
3 Year CD
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
36 Month Certificate
$0
2.69%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 month CD
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
36 Month Term Share and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Year CD and IRA
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 36 month
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 Month Standard Certificates of Deposit
$1,000
2.49%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 Minimum to Earn APY
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
48-Month Certificates of Deposit (CD)
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX 78247
48 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$1,000.00 & over
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
48 Month Certificates
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
48 Month Certificate of Deposit
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
4 Year IRA Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
48 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48 Month CD
$99,000
3.29%
▼
Rate3.25%
Min Deposit$99,000
Min Balance—
UpdatedApr 17, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Starting at $10,000+
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 48 Month
$100
3.10%
▼
Rate3.05%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
48 Month Certificate
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 48-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-Month Term Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Over $50,000
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4 year Priority Plus IRA Term Share Certificate
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 48-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 month CD
$0
2.79%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
48 Month CD Special
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
48 Month CD
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
48 Month Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 48 Month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
48 Month Term Share and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
4 Year CD and IRA
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
4 Year Term IRA Certificates
$0
2.45%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 48 Month CD
$250,000
2.27%
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedApr 17, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
IRA Education Certificate 48-Month
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
48 Month - Fixed IRA
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-month Share Certificate
$10,000
1.86%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
48 Month Certificate Account
$500
1.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
(Consumer or Business)
La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Month Share Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
4 Year Certificates of Deposit
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Germania Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month Certificate of Deposit
$500
1.31%
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
48 Month Certificate
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Round Top State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificates of Deposit (CDs)
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (5 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
60-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 Minimum to Earn APY
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
200 Austin Hwy, San Antonio, TX 78209
60-Month Certificates of Deposit (CD)
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
60-month term Certificates (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX 78247
60 Month Share Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
60 Month Term Share Certificate
$10,000
1.40%
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 and over
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
Business Savings Certificate 60 Month Value
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
60-Month Jr Jumbo Share CD
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
Step Up Share Certificates 5 Year
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 60-Month (Tier 2)
$0
3.66%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 60 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
5 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 mo. Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
60-Month IRA Certificates
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
60 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month CD
$99,000
3.34%
▼
Rate3.30%
Min Deposit$99,000
Min Balance—
UpdatedApr 17, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
5 Year IRA Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
60-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 60 Month
$100
3.23%
▼
Rate3.17%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Starting at $10,000+
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month Tier Mini Jumbo Certificate of Deposit
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
60 Month Certificate
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
60-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
5 Year Fixed Rate CDS
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-Month Term Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Over $50,000
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 month CD
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Postel Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
5 Year Certificate of Deposit
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
60 Month CD
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5 Year Term IRA Certificates
$0
2.55%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
60 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Basin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
60 month Certificate of Deposit (CD)
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 5 Year
$225,000
2.32%
▼
Rate2.30%
Min Deposit$225,000
Min Balance—
UpdatedApr 17, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 60 Month CD
$250,000
2.27%
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedApr 17, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-month Share Certificate
$10,000
2.11%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Month Jumbo Certificate
$50,000
2.04%
▼
Rate2.02%
Min Deposit$50,000
Min Balance—
UpdatedApr 17, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
60 Month - Fixed IRA
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD — TX Avg
2.911%
▲ 0.026 vs 7 days ago
Texas 12-month CD rates rose 0.026 points over the past 7 days to 2.911% APY.
6-Month CD — TX Avg
2.673%
▼ 0.015 vs 7 days ago
Texas 6-month CD rates fell 0.015 points over the past 7 days to 2.673% APY.
As of Apr 17, 2026 • Rate data sourced from 8,500+ monitored institutions
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TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.911%
6-Month Forecast
2.911%
Range: 2.71% – 3.06%
12-Month Forecast
2.661%
Range: 2.46% – 2.81%
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What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.476% | $123.80 | $247.59 | $618.98 | $1,237.95 |
| 6-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 12-Month CD | 2.911% | $145.56 | $291.12 | $727.80 | $1,455.60 |
| 18-Month CD | 2.867% | $143.34 | $286.67 | $716.68 | $1,433.35 |
| 24-Month CD | 2.935% | $146.76 | $293.52 | $733.80 | $1,467.60 |
| 36-Month CD | 2.974% | $148.70 | $297.40 | $743.50 | $1,487.00 |
| 48-Month CD | 2.992% | $149.59 | $299.17 | $747.93 | $1,495.85 |
| 60-Month CD | 2.968% | $148.41 | $296.81 | $742.03 | $1,484.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 17, 2026. | |||||
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.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.476% | $123.80 |
| 2 | 6-Month CD | $5,000 | 2.673% | $133.67 |
| 3 | 12-Month CD | $5,000 | 2.911% | $145.56 |
| 4 | 24-Month CD | $5,000 | 2.935% | $146.76 |
| 5 | 36-Month CD | $5,000 | 2.974% | $148.70 |
| Total ($25,000 invested) | $25,000 | 2.794% blended | $698.49/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.
158
Institutions
in San Antonio, Texas
in San Antonio, Texas
56 Banks
102 Credit Unions
About Our San Antonio, Texas CD Rate Database
MonitorBankRates tracks CD rates from 56 banks and 102 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 (1–5), 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: Nizari Progressive Federal Credit Union offers a CD at 4.02% APY with a minimum deposit of $100,000. 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 102 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 — 158 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → San Antonio, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → San Antonio, Texas money market rates
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
$107/yr
At TX 12-mo avg 2.911% APY
13.4% of residents are 65 or older — below the national average of 17.3%. At today’s TX 12-month CD average of 2.911%, saving 10% of the local median salary ($3,666/year) and putting it in a CD would earn an additional $107 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in 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 (90–180 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 |
Frequently Asked Questions about CD Rates in San Antonio, Texas
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:
- Nizari Progressive Federal Credit Union: 4.02% APY (IRA Share Certificate 12 Month)
- Synergy Federal Credit Union: 4.02% APY (IRA Certificates (2 year))
- Plains State Bank: 3.82% APY (12 Month CD)
- Credit Human Federal Credit Union: 3.80% APY (6-month Share Certificate)
- City Public Service IBEW Federal Credit Union: 3.71% APY (Share Certificates (Certificates of Deposit) 3 mo.)
- UNIFY Financial Federal Credit Union: 3.69% APY (IRA Certificate Term 18-Month Variable)
- Simmons Bank: 3.65% APY (6-month CD)
- Crescent Bank: 3.65% APY (12-month CD)
- Susser Bank: 3.60% APY (6-Month Certificates of Deposit (CD))
- Firstmark Credit Union: 3.50% APY (Regular CDs 1 Year)
Rates reflect recent verified offers available in San Antonio, Texas. Last Updated: April 17, 2026
CD Calculators for San Antonio, Texas
San Antonio, Texas CD Calculator
At today’s TX top rate of 4.02% APY, a $10,000 deposit earns $402 in the first year. Enter your amount to see your exact return.
San Antonio, Texas CD LadderTX CD rates currently range from 2.476% (3-month) to 2.974% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a San Antonio, Texas CD at 4.02% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.911% 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
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 pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: April 17, 2026
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