San Marcos, Texas Best CD Rates October 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.
San Marcos, Texas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 19, 2026. Current San Marcos, Texas CD rates include A+ Federal Credit UnionA+ Federal Credit Union1204 Thorpe Ln, San Marcos, TX 78666 6538A5.0 ★Texas Ratio: 11.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month StartUP Share Certificate at 5.00% APY, Austin Telco Federal Credit UnionAustin Telco Federal Credit Union904 Bugg Ln, San Marcos, TX 78666A+5.0 ★Texas Ratio: 1.81%Real return: +1.62%APY minus CPI (February 2026) offering 60-Month Super Jumbo Certificate at 4.42% APY, GREATER TEXASGREATER TEXAS242 N GUADALUPE ST, SAN MARCOS, TX 78666A+5.0 ★Texas Ratio: 5.54%Real return: +1.55%APY minus CPI (February 2026) offering 60 Month Term Share Certificate at 4.35% APY, University Federal Credit UnionUniversity Federal Credit Union614 N Guadalupe St, San Marcos, TX 78666 5713A5.0 ★Texas Ratio: 7.13%Real return: +1.30%APY minus CPI (February 2026) offering Business Fixed Rate Certificates - 24 Month at 4.10% APY, and Schertz B&TSchertz B&T2202 Hunter Rd, San Marcos, TX 78666A+5.0 ★Texas Ratio: 2.29%Real return: +1.26%APY minus CPI (February 2026) offering 1 Year Jumbo CD at 4.06% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
San Marcos has 186 local institutions in our database, with CD rates as high as 5.00% APY from A+ Federal Credit Union at 1204 Thorpe Ln, San Marcos, TX 78666 6538. 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 19, 2026
Compare Best CD Rates in San Marcos, Texas & the Surrounding Area
San Marcos 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
90 Day Certificate of Deposit
$0
4.00%
▲ 1.49% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.49% above avgNationally 2.12%
Details
Balance: $500,000.00 and over; $500,000+ jumbo tier
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
90 Day Frost Business Certificate of Deposit
$1,000
4.00%
▲ 1.49% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.49% above avgNationally 2.12%
Details
Balance: $500,000 and over; Promotional rate for new CDs opened during the promotion; CDs opened prior to 5/1/2023 that renew during the promotion are not eligible; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
90 Day Jumbo CD
$0
4.00%
▲ 1.49% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.49% above avgNationally 2.12%
Details
Visit a Frost financial center for CDs of $500,000 and over; APY effective as of 10/14/2026; Frost CDs may be used for Traditional and Roth IRAs
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 2, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
90 Day Certificate of Deposit
$0
3.65%
▲ 1.14% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.14% above avgNationally 2.12%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
- Oct 2, 20263.65%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
90 Day Frost Business Certificate of Deposit
$1,000
3.65%
▲ 1.14% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.14% above avgNationally 2.12%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.65% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
90 Day Certificate of Deposit
$0
3.30%
▲ 0.79% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.79% above avgNationally 2.12%
Details
Balance: $1,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Oct 2, 20263.30%▲ from 3.20%
- Sep 27, 20263.20%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
90 Day Frost Business Certificate of Deposit
$1,000
3.30%
▲ 0.79% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.79% above avgNationally 2.12%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.30% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Business Fixed Rate Certificates - 3 Month
$0
3.25%
▲ 0.74% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.74% above avgNationally 2.12%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate Certificate - 3 Month
$0
3.25%
▲ 0.74% above Texas avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.74% above avgNationally 2.12%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2507 Hunter Road, San Marcos, TX 78666
90 Day Certificate of Deposit
$1,000
3.25%
▲ 0.74% above Texas avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.74% above avgNationally 2.12%
Details
Rates effective as of 7/2/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
Regular CD - 90 Day CD
$1,000
2.52%
▲ 0.01% above Texas avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 0.01% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.52% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
90 Day Jumbo CD
$100,000
2.50%
▼ 0.01% below Texas avg
▼
Rate2.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 0.01% below avgNationally 2.12%
Details
Jumbo CD; Minimum to open $100,000
Rate History
1 change since Sep 14, 2026 · 2.00% → 2.50% ▲ 0.50 pts · high 2.50% / low 2.00%
- Sep 19, 20262.50%▲ from 2.00%
- Sep 14, 20262.00%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
3 Month Term Share Certificate
$0
1.00%
▼ 1.51% below Texas avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 1.51% below avgNationally 2.12%
Details
Standard tier ($1,000 minimum); Compounded daily, paid monthly
Rate History
1 change since Sep 18, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
- Oct 10, 20261.00%▲ from 0.75%
- Sep 18, 20260.75%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
123 N Edward Gary St, San Marcos, TX 78666
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.45% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.45% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
123 N Edward Gary St, San Marcos, TX 78666
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.46% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.46% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
3 Month Certificate of Deposit
$0
0.03%
▼ 2.48% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.48% below avgNationally 2.12%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
3 Month Certificate of Deposit
$0
0.02%
▼ 2.49% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.49% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
3 Month Certificate of Deposit
$0
0.01%
▼ 2.50% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▼ 2.50% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.07% above Texas avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.51%▲ 2.07% above avgNationally 2.12%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Jumbo Certificates of Deposit
$0
4.44%
▲ 1.93% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.93% above avgNationally 2.12%
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Oct 14, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Standard CD - 90 Days
$1,000
4.39%
▲ 1.88% above Texas avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.88% above avgNationally 2.12%
Details
Balance: $1,000 - $249,999.99
Rate History
No change since Oct 14, 2026 · 4.39% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.30%
▲ 1.79% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▲ 1.79% above avgNationally 2.12%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates
$250,001
4.23%
▲ 1.72% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.72% above avgNationally 2.12%
Details
Balance: $250,001 and over
Rate History
No change since Oct 15, 2026 · 4.23% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.20%
▲ 1.69% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▲ 1.69% above avgNationally 2.12%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates
$100,001
4.18%
▲ 1.67% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.67% above avgNationally 2.12%
Details
Balance: $100,001 - $250,000
Rate History
No change since Oct 15, 2026 · 4.18% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates
$50,001
4.13%
▲ 1.62% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.62% above avgNationally 2.12%
Details
Balance: $50,001 - $100,000
Rate History
No change since Oct 15, 2026 · 4.13% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates - 3 Months
$250,001
4.13%
▲ 1.62% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.62% above avgNationally 2.12%
Details
Balance: $250,001 minimum tier; Dividend Rate 4.05%
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Sep 21, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
Momentum Share Certificate - 3 Month Special
$0
4.13%
▲ 1.62% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.62% above avgNationally 2.12%
Details
Balance: $1000.00 - $49,999.99
Rate History
No change since Oct 15, 2026 · 4.13% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.10%
▲ 1.59% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▲ 1.59% above avgNationally 2.12%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10%
▲ 1.59% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.59% above avgNationally 2.12%
Details
High-Yield Rewards Checking Account required
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 3 Months
$500
4.08%
▲ 1.57% above Texas avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.57% above avgNationally 2.12%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
- Oct 8, 20264.08%▲ from 3.72%
- Sep 16, 20263.72%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates
$1,000
4.07%
▲ 1.56% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.56% above avgNationally 2.12%
Details
Balance: $1,000 - $50,000
Rate History
No change since Oct 15, 2026 · 4.07% APY
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates - 3 Months
$100,001
4.07%
▲ 1.56% above Texas avg
▼
Rate4.00%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.56% above avgNationally 2.12%
Details
Balance: $100,001 minimum tier; Dividend Rate 4.00%
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Sep 21, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates - 3 Months
$50,001
4.02%
▲ 1.51% above Texas avg
▼
Rate3.95%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.51% above avgNationally 2.12%
Details
Balance: $50,001 minimum tier; Dividend Rate 3.95%
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 21, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.49% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.49% above avgNationally 2.12%
Details
Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Month Business CD
$5,000
4.00%
▲ 1.49% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average2.51%▲ 1.49% above avgNationally 2.12%
Details
Balance: $0.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates - 3 Months
$1,000
3.97%
▲ 1.46% above Texas avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.46% above avgNationally 2.12%
Details
Balance: $1,000 minimum tier; Dividend Rate 3.90%
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
- Sep 21, 20263.97%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Certificate of Deposit - 90 Day
$1,000
3.90%
▲ 1.39% above Texas avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.39% above avgNationally 2.12%
Details
Compounded:; Credited: At Maturity
Rate History
No change since Oct 14, 2026 · 3.90% APY
Castroville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day JUMBO'S Certificate of Deposit
$100,000
3.87%
▲ 1.36% above Texas avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.36% above avgNationally 2.12%
Details
Balance: $100,000.00 and over; Minimum Opening Balance: $100,000.00
Rate History
No change since Oct 14, 2026 · 3.87% APY
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85%
▲ 1.34% above Texas avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.34% above avgNationally 2.12%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 3 Month CD
$500
3.85%
▲ 1.34% above Texas avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.51%▲ 1.34% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85%
▲ 1.34% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.34% above avgNationally 2.12%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3 Month Jumbo Share Certificates
$10,000
3.81%
▲ 1.30% above Texas avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average2.51%▲ 1.30% above avgNationally 2.12%
Details
Rate History
No change since Sep 25, 2026 · 3.81% APY · checked 3 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day Star Certificate of Deposit
$1,000
3.80%
▲ 1.29% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.29% above avgNationally 2.12%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Star Certificate of Deposit - 90 Days
$1,000
3.80%
▲ 1.29% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.29% above avgNationally 2.12%
Details
Open Account
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.29% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.29% above avgNationally 2.12%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 8 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
CD and over - 3 Months
$0
3.80%
▲ 1.29% above Texas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average2.51%▲ 1.29% above avgNationally 2.12%
Details
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate Of Deposit (CD) - 90 Day
$1,000
3.80%
▲ 1.29% above Texas avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.29% above avgNationally 2.12%
Details
Notes: $1,000 minimum deposit to open. CD product rates are fixed upon opening the account. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificates of Deposit (CD) - 3-Month
$0
3.75%
▲ 1.24% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.24% above avgNationally 2.12%
Details
Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3-Month Certificate of Deposit
$0
3.75%
▲ 1.24% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average2.51%▲ 1.24% above avgNationally 2.12%
Details
Featured rate for 3-month term; see disclosures
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 10, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
San Marcos 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
6-Month Super Jumbo Certificate
$0
4.11%
▲ 0.84% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.84% above avgNationally 2.79%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.11% ▲ 0.26 pts · high 4.11% / low 3.85%
- Oct 4, 20264.11%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
6-Month Jumbo Certificate
$0
4.01%
▲ 0.74% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.74% above avgNationally 2.79%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.01% APY · checked 4 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
6-Month Share Certificate
$0
3.91%
▲ 0.64% above Texas avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.64% above avgNationally 2.79%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 3.91% APY · checked 4 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
180 Day Jumbo CD
$100,000
3.78%
▲ 0.51% above Texas avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.51% above avgNationally 2.79%
Details
Jumbo CD; Minimum to open $100,000
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.78% ▲ 0.28 pts · high 3.78% / low 3.50%
- Sep 19, 20263.78%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
Regular CD - 180 Day CD
$1,000
3.78%
▲ 0.51% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.51% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.78% APY
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
6 Month Term Share Certificate
$0
3.75%
▲ 0.48% above Texas avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.48% above avgNationally 2.79%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 10, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Business Fixed Rate Certificates - 6 Month
$0
3.70%
▲ 0.43% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.79%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate Certificate - 6 Month
$0
3.70%
▲ 0.43% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.79%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate IRA - 6 Month
$0
3.70%
▲ 0.43% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.43% above avgNationally 2.79%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
First-Lockhart National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2507 Hunter Road, San Marcos, TX 78666
180 Day Certificate of Deposit
$1,000
3.65%
▲ 0.38% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.38% above avgNationally 2.79%
Details
Rates effective as of 7/2/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
180 Day Certificate of Deposit
$0
3.60%
▲ 0.33% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.79%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 18, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
- Oct 2, 20263.60%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
180 Day Frost Business Certificate of Deposit
$1,000
3.60%
▲ 0.33% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.79%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.60% APY
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
6 Month Share Certificate
$0
3.60%
▲ 0.33% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.33% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
180 Day Certificate of Deposit
$0
3.20%
▼ 0.07% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 0.07% below avgNationally 2.79%
Details
Balance: $1,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70%
- Oct 2, 20263.20%▲ from 3.10%
- Sep 27, 20263.10%▲ from 2.70%
- Sep 18, 20262.70%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
180 Day Frost Business Certificate of Deposit
$1,000
3.20%
▼ 0.07% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 0.07% below avgNationally 2.79%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.20% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
123 N Edward Gary St, San Marcos, TX 78666
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 3.21% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 3.21% below avgNationally 2.79%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
123 N Edward Gary St, San Marcos, TX 78666
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 3.22% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 3.22% below avgNationally 2.79%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
6 Month Certificate of Deposit
$0
0.03%
▼ 3.24% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 3.24% below avgNationally 2.79%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 6 Months
$250
0.03%
▼ 3.24% below Texas avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 3.24% below avgNationally 2.79%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
6 Month Certificate of Deposit
$0
0.02%
▼ 3.25% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 3.25% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 6 Months
$250
0.02%
▼ 3.25% below Texas avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 3.25% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
6 Month Certificate of Deposit
$0
0.01%
▼ 3.26% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 3.26% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 6 Months
$250
0.01%
▼ 3.26% below Texas avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▼ 3.26% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6 Month Jumbo Certificates of Deposit
$0
4.54%
▲ 1.27% above Texas avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.27% above avgNationally 2.79%
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.23% → 4.54% ▲ 0.31 pts · high 4.54% / low 4.23%
- Oct 14, 20264.54%▲ from 4.23%
- Sep 14, 20264.23%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Certificate
$1,000
4.50%
▲ 1.23% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.79%
Details
Account code 34; Interest compounded monthly; Fall into Savings Special: $5,000 New Money required for 4.50% APY, otherwise 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Jumbo Certificate
$50,000
4.50%
▲ 1.23% above Texas avg
▼
Rate4.41%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.79%
Details
JUMBO Int. Monthly (min $50,000); interest paid monthly
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificate - 6 Month
$500
4.50%
▲ 1.23% above Texas avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.79%
Details
Account code 89; Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.23% above Texas avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.79%
Details
Int. Monthly; Certificate code 69
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
6 Month Certificates of Deposit
$0
4.50%
▲ 1.23% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.23% above avgNationally 2.79%
Details
Up to 4.50% APY; CD terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month; early withdrawal penalties apply
Rate History
No change since Oct 1, 2026 · 4.50% APY · checked 2 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Standard CD - 6 Months
$1,000
4.49%
▲ 1.22% above Texas avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.22% above avgNationally 2.79%
Details
Balance: $1,000 - $249,999.99
Rate History
No change since Oct 14, 2026 · 4.49% APY
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month CD Offer
$1,000
4.44%
▲ 1.17% above Texas avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.17% above avgNationally 2.79%
Details
Featured Offer; $1,000.00 minimum opening deposit required to earn APY; APY effective as of 09/24/2026
Rate History
1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
- Oct 3, 20264.44%▲ from 4.28%
- Sep 14, 20264.28%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate
$250
4.33%
▲ 1.06% above Texas avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 1.06% above avgNationally 2.79%
Details
Age: 13-17; Compounding: Monthly; $250 minimum
Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33%
▲ 1.06% above Texas avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 1.06% above avgNationally 2.79%
Details
Ages: 13-17; Teens Earning And Learning certificate; current dividend of 4.33% APY compounded monthly; available at local branch
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 6 Months
$500
4.33%
▲ 1.06% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 1.06% above avgNationally 2.79%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 4.32%
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.33% ▲ 0.33 pts · high 4.33% / low 4.00%
- Oct 4, 20264.33%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Certificate Programs - 6 Month
$0
4.33%
▲ 1.06% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 1.06% above avgNationally 2.79%
Details
Rate marked with *; rates subject to change without notice
Rate History
No change since Oct 15, 2026 · 4.33% APY
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6-Month Promo Certificate
$500
4.30%
▲ 1.03% above Texas avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 1.03% above avgNationally 2.79%
Details
Promotional certificate; funded with new deposits only; $100 minimum if under 18 years old
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 7 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.03% above Texas avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.27%▲ 1.03% above avgNationally 2.79%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
6 Month Certificate
$0
4.30%
▲ 1.03% above Texas avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 1.03% above avgNationally 2.79%
Details
Certificate Rates (100,000 minimum balance)
Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 4 times
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Share Certificates - Regular Term Deposit -6 Months
$0
4.25%
▲ 0.98% above Texas avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.79%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 4.25% APY
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Share Certificates - Term Deposit 6 Months
$1,000
4.25%
▲ 0.98% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.98% above avgNationally 2.79%
Details
Share Type: Regular or IRA; Dividends Paid: Monthly
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 6 Months
$500
4.24%
▲ 0.97% above Texas avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.97% above avgNationally 2.79%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
- Oct 8, 20264.24%▲ from 3.82%
- Sep 16, 20263.82%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month IRA Certificates
$250,001
4.23%
▲ 0.96% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.96% above avgNationally 2.79%
Details
Rate History
No change since Oct 5, 2026 · 4.23% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month IRA Certificates
$100,001
4.18%
▲ 0.91% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.91% above avgNationally 2.79%
Details
Rate History
No change since Oct 5, 2026 · 4.18% APY · checked 2 times
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
6 Month Share Certificate
$500
4.18%
▲ 0.91% above Texas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.91% above avgNationally 2.79%
Details
Balance: $500 & over
Rate History
No change since Sep 18, 2026 · 4.18% APY · checked 5 times
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Share Certificate - 6 Months
$500
4.18%
▲ 0.91% above Texas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.91% above avgNationally 2.79%
Details
Balance: 500 & over
Rate History
No change since Oct 10, 2026 · 4.18% APY · checked 2 times
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
6 month Promotional Online CD
$25,000
4.15%
▲ 0.88% above Texas avg
▼
Rate4.11%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.79%
Details
Opening balance $25,000.00 - $240,000.00; funds must be new money, not from an existing NexBank CD
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 8 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 6 Months
$50,000
4.15%
▲ 0.88% above Texas avg
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.88% above avgNationally 2.79%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
- Oct 14, 20264.15%▲ from 4.11%
- Sep 22, 20264.11%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month IRA Certificates
$50,001
4.13%
▲ 0.86% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.86% above avgNationally 2.79%
Details
Rate History
No change since Oct 5, 2026 · 4.13% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificates - 6 months
$250,001
4.13%
▲ 0.86% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.27%▲ 0.86% above avgNationally 2.79%
Details
Balance tier: $250,001 and up; APY is the printed APY*
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 15, 20264.13%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6-Month IRA CD Account
$0
4.10%
▲ 0.83% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.27%▲ 0.83% above avgNationally 2.79%
Details
Minimum daily balance of $1,000.00 must be maintained; promotional rate requires opening deposit not originating from pre-existing Freedom Bank account funds; rate applies to a maximum of $250,000.00 FDIC coverage per customer relationship; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.10% ▲ 0.03 pts · high 4.10% / low 4.07%
- Sep 24, 20264.10%▲ from 4.07%
- Sep 14, 20264.07%first recorded
San Marcos 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
12 Month StartUP Share Certificate
$0
5.00%
▲ 1.59% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 1.59% above avgNationally 3.01%
Details
Maximum Balance: $1,000; Limit one StartUP Share Certificate per member; Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 6 times
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
12-Month Super Jumbo Certificate
$0
4.22%
▲ 0.81% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.81% above avgNationally 3.01%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.22% ▲ 0.16 pts · high 4.22% / low 4.06%
- Oct 4, 20264.22%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
12-Month Jumbo Certificate
$0
4.11%
▲ 0.70% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.70% above avgNationally 3.01%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.11% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
12 Month Term Share Certificate
$0
4.10%
▲ 0.69% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.69% above avgNationally 3.01%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 10, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
1 Year Jumbo CD
$100,000
4.06%
▲ 0.65% above Texas avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.65% above avgNationally 3.01%
Details
Jumbo CD; APY (Quarterly); Minimum to open $100,000
Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.06% ▲ 0.31 pts · high 4.06% / low 3.75%
- Oct 14, 20264.06%▲ from 4.00%
- Sep 19, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
Regular CD - 1 Year CD
$1,000
4.06%
▲ 0.65% above Texas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.65% above avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 4.06% APY
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
12-Month Share Certificate
$0
4.01%
▲ 0.60% above Texas avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.60% above avgNationally 3.01%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.01% APY · checked 4 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
1 Year Jumbo CD
$100,000
4.00%
▲ 0.59% above Texas avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Jumbo CD; Minimum to open $100,000
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Sep 19, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
12 Month Term Share Certificate
$0
4.00%
▲ 0.59% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.59% above avgNationally 3.01%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
12 Month Share Certificate
$0
3.70%
▲ 0.29% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.29% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
IRA Certificate - 12 month
$0
3.70%
▲ 0.29% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.29% above avgNationally 3.01%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
12 Month Variable-Rate Early Saver Certificate
$0
3.50%
▲ 0.09% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.09% above avgNationally 3.01%
Details
Balance: up to $20,000; Rate is variable and subject to change after account is opened; Fees could reduce earnings on account; Effective Date: November 18, 2025
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Business Fixed Rate Certificates - 12 Month
$0
3.50%
▲ 0.09% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.09% above avgNationally 3.01%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate Certificate - 12 Month
$0
3.50%
▲ 0.09% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.09% above avgNationally 3.01%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate IRA - 12 Month
$0
3.50%
▲ 0.09% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.09% above avgNationally 3.01%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
12 Month Certificate of Deposit
$0
3.35%
▼ 0.06% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 0.06% below avgNationally 3.01%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.35% ▲ 0.35 pts · high 3.35% / low 3.00%
- Oct 2, 20263.35%▲ from 3.25%
- Sep 24, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
12 Month Frost Business Certificate of Deposit
$1,000
3.35%
▼ 0.06% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 0.06% below avgNationally 3.01%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.35% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
12 Month Certificate of Deposit
$0
2.90%
▼ 0.51% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 0.51% below avgNationally 3.01%
Details
Balance: $1,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.55% → 2.90% ▲ 0.35 pts · high 2.90% / low 2.55%
- Oct 2, 20262.90%▲ from 2.80%
- Sep 27, 20262.80%▲ from 2.55%
- Sep 18, 20262.55%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
12 Month Frost Business Certificate of Deposit
$1,000
2.90%
▼ 0.51% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 0.51% below avgNationally 3.01%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 2.90% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
IRA CDs - 12 Month Fixed IRA
$0
2.90%
▼ 0.51% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 0.51% below avgNationally 3.01%
Details
Frost IRA CD; APY effective as of 10/14/2026; Traditional and Roth IRAs
Rate History
No change since Oct 14, 2026 · 2.90% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
123 N Edward Gary St, San Marcos, TX 78666
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.90% below Texas avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 1.90% below avgNationally 3.01%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
123 N Edward Gary St, San Marcos, TX 78666
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.91% below Texas avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 1.91% below avgNationally 3.01%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 12 Month Fixed Rate
$1,000
1.26%
▼ 2.15% below Texas avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 2.15% below avgNationally 3.01%
Details
Individual Retirement Account (IRA); Fixed rate; Minimum to open $1,000
Rate History
No change since Oct 14, 2026 · 1.26% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 12 Month Variable Rate
$100
1.15%
▼ 2.26% below Texas avg
▼
Rate1.15%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 2.26% below avgNationally 3.01%
Details
Minimum to open $100; Variable rate, may change after account is opened; Individual Retirement Account
Rate History
No change since Oct 14, 2026 · 1.15% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
12 Month Variable-Rate Early Saver Certificate
$0
0.25%
▼ 3.16% below Texas avg
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 3.16% below avgNationally 3.01%
Details
Balance: over $20,000; Rate is variable and subject to change after account is opened; Fees could reduce earnings on account; Effective Date: November 18, 2025
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
12 Month Certificate of Deposit
$0
0.03%
▼ 3.38% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 3.38% below avgNationally 3.01%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 12 Months
$250
0.03%
▼ 3.38% below Texas avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 3.38% below avgNationally 3.01%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
12 Month Certificate of Deposit
$0
0.02%
▼ 3.39% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 3.39% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 12 Months
$250
0.02%
▼ 3.39% below Texas avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 3.39% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
12 Month Certificate of Deposit
$0
0.01%
▼ 3.40% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 3.40% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 12 Months
$250
0.01%
▼ 3.40% below Texas avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▼ 3.40% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate Special - 1 Year Certificate
$0
5.00%
▲ 1.59% above Texas avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 1.59% above avgNationally 3.01%
Details
Qualifications Required: Checking account; First Eagle debit card; monthly deposits of at least $100.00; Special APY requires a Checking account, First Eagle debit card and monthly deposits of at least $100.00 (must have Checking); funds must be new money to the Credit Union; deposit up to $100,000; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 5.00% APY
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
12 Month Jumbo Certificates of Deposit
$0
4.70%
▲ 1.29% above Texas avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 1.29% above avgNationally 3.01%
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.70% ▲ 0.36 pts · high 4.70% / low 4.33%
- Oct 14, 20264.70%▲ from 4.33%
- Sep 14, 20264.33%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12 Month Certificate
$0
4.65%
▲ 1.24% above Texas avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 1.24% above avgNationally 3.01%
Details
Certificate Rates (100,000 minimum balance)
Rate History
No change since Sep 17, 2026 · 4.65% APY · checked 4 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Standard CD - 12 Months
$1,000
4.65%
▲ 1.24% above Texas avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 1.24% above avgNationally 3.01%
Details
Balance: $1,000 - $249,999.99
Rate History
No change since Oct 14, 2026 · 4.65% APY
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60%
▲ 1.19% above Texas avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 1.19% above avgNationally 3.01%
Details
IRA Rates; Footnote 4: minimum initial deposit $1,000 for Traditional and Roth IRA Certificates, $500 for Educational IRA Certificates; Dividends are compounded daily and paid quarterly
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
12 Month CD
$1,000
4.52%
▲ 1.11% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 1.11% above avgNationally 3.01%
Details
Branch; Annual Percentage Yield (APY) Branch $1,000 Minimum Deposit
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
- Oct 14, 20264.52%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
12-Month IRA CD Account
$0
4.50%
▲ 1.09% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 1.09% above avgNationally 3.01%
Details
Minimum daily balance of $1,000.00 must be maintained; promotional rate requires opening deposit not originating from pre-existing Freedom Bank account funds; rate applies to a maximum of $250,000.00 FDIC coverage per customer relationship; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
- Sep 24, 20264.50%▲ from 3.82%
- Sep 14, 20263.82%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month CD
$0
4.45%
▲ 1.04% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 1.04% above avgNationally 3.01%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Oct 14, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 Year Certificate Accounts
$0
4.44%
▲ 1.03% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 1.03% above avgNationally 3.01%
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
- Oct 15, 20264.44%▲ from 4.28%
- Sep 25, 20264.28%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 12 Months
$500
4.39%
▲ 0.98% above Texas avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.98% above avgNationally 3.01%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
- Oct 8, 20264.39%▲ from 3.92%
- Sep 16, 20263.92%first recorded
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Certificate Programs - 12 Month
$0
4.38%
▲ 0.97% above Texas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.97% above avgNationally 3.01%
Details
Rate marked with *; rates subject to change without notice
Rate History
No change since Oct 15, 2026 · 4.38% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 0.94% above Texas avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.94% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
12 month Promotional Online CD
$25,000
4.35%
▲ 0.94% above Texas avg
▼
Rate4.28%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.94% above avgNationally 3.01%
Details
Opening balance $25,000.00 - $240,000.00; funds must be new money, not from an existing NexBank CD
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
- Oct 14, 20264.35%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$100,000
4.35%
▲ 0.94% above Texas avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.94% above avgNationally 3.01%
Details
Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 13, 20264.35%▲ from 4.25%
- Oct 5, 20264.25%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Bask 12-month CD
$1,000
4.35%
▲ 0.94% above Texas avg
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.94% above avgNationally 3.01%
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 for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 6 times
Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
12 Month CD
$1,000
4.33%
▲ 0.92% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.41%▲ 0.92% above avgNationally 3.01%
Details
APY based on minimum deposit of $1,000; APYs current as of 9/9/2025; penalty may be assessed for early withdrawal
Rate History
1 change since Sep 24, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
- Oct 14, 20264.33%▲ from 3.82%
- Sep 24, 20263.82%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 Year Certificate Accounts
$0
4.33%
▲ 0.92% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.92% above avgNationally 3.01%
Details
Mini-Jumbo/Min. $25,000 tier
Rate History
1 change since Sep 25, 2026 · 4.18% → 4.33% ▲ 0.15 pts · high 4.33% / low 4.18%
- Oct 15, 20264.33%▲ from 4.18%
- Sep 25, 20264.18%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 12 Months
$500
4.33%
▲ 0.92% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.92% above avgNationally 3.01%
Details
Dividends Monthly/Quarterly; Quarterly APY: 4.32%
Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 12 Months
$500
4.33%
▲ 0.92% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.41%▲ 0.92% above avgNationally 3.01%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 4.32%
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.33% ▲ 0.33 pts · high 4.33% / low 4.00%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 25, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
San Marcos 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
18-Month Super Jumbo Certificate
$0
4.27%
▲ 0.99% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.99% above avgNationally 2.88%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
- Oct 4, 20264.27%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
18-Month Jumbo Certificate
$0
4.16%
▲ 0.88% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.88% above avgNationally 2.88%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
18 Month Term Share Certificate
$0
4.10%
▲ 0.82% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.88%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 10, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
18-Month Share Certificate
$0
4.06%
▲ 0.78% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.78% above avgNationally 2.88%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
18 Month Term Share Certificate
$0
4.00%
▲ 0.72% above Texas avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.72% above avgNationally 2.88%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1210 Wonder World Dr, San Marcos, TX 78666 7530
18 Month SuperSaver Certificate
$1,000
3.91%
▲ 0.63% above Texas avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.63% above avgNationally 2.88%
Details
Balance: $75,000 and over; Consumer accounts only; Early withdrawal penalty varies by term
Rate History
1 change since Sep 20, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
- 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%
1210 Wonder World Dr, San Marcos, TX 78666 7530
18 Month SuperSaver Certificate
$1,000
3.86%
▲ 0.58% above Texas avg
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.58% above avgNationally 2.88%
Details
Balance: $20,000 - $74,999.99; Consumer accounts only; Early withdrawal penalty varies by term
Rate History
1 change since Sep 20, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75%
- Oct 4, 20263.86%▲ from 3.75%
- Sep 20, 20263.75%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1210 Wonder World Dr, San Marcos, TX 78666 7530
18 Month SuperSaver Certificate
$1,000
3.79%
▲ 0.51% above Texas avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.51% above avgNationally 2.88%
Details
Balance: $5,000 - $19,999.99; Consumer accounts only; Early withdrawal penalty varies by term
Rate History
1 change since Sep 20, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69%
- Oct 4, 20263.79%▲ from 3.69%
- Sep 20, 20263.69%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
18 Month Share Certificate
$0
3.75%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
IRA Certificate - 18 month
$0
3.75%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.88%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1210 Wonder World Dr, San Marcos, TX 78666 7530
18 Month SuperSaver Certificate
$1,000
3.75%
▲ 0.47% above Texas avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.88%
Details
Balance: $1,000 - $4,999.99; Consumer accounts only; Early withdrawal penalty varies by term
Rate History
1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 4, 20263.75%▲ from 3.65%
- Sep 20, 20263.65%first recorded
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Business Fixed Rate Certificates - 18 Month
$0
3.55%
▲ 0.27% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.27% above avgNationally 2.88%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate Certificate - 18 Month
$0
3.55%
▲ 0.27% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.27% above avgNationally 2.88%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 18 Month Fixed Rate
$1,000
1.36%
▼ 1.92% below Texas avg
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 1.92% below avgNationally 2.88%
Details
Individual Retirement Account (IRA); Fixed rate; Minimum to open $1,000
Rate History
No change since Oct 14, 2026 · 1.36% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 18 Month Variable Rate
$100
1.26%
▼ 2.02% below Texas avg
▼
Rate1.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 2.02% below avgNationally 2.88%
Details
Minimum to open $100; Variable rate, may change after account is opened; Individual Retirement Account
Rate History
No change since Oct 14, 2026 · 1.26% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
IRA CDs - 18 Month Variable IRA
$0
0.90%
▼ 2.38% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 2.38% below avgNationally 2.88%
Details
Frost Variable IRA CD; APY effective as of 10/14/2026; Traditional and Roth IRAs
Rate History
No change since Oct 14, 2026 · 0.90% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
18 Month Certificate of Deposit
$0
0.03%
▼ 3.25% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 3.25% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 18 Months
$250
0.03%
▼ 3.25% below Texas avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 3.25% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
18 Month Certificate of Deposit
$0
0.02%
▼ 3.26% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 3.26% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 18 Months
$250
0.02%
▼ 3.26% below Texas avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 3.26% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
18 Month Certificate of Deposit
$0
0.01%
▼ 3.27% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 3.27% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 18 Months
$250
0.01%
▼ 3.27% below Texas avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▼ 3.27% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Super Flex Term CD Special (6-18 months)
$0
4.65%
▲ 1.37% above Texas avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 1.37% above avgNationally 2.88%
Details
Specials; Dividend Rate and APY as printed
Rate History
No change since Oct 15, 2026 · 4.65% APY
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.50%
▲ 1.22% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 1.22% above avgNationally 2.88%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 14, 20264.50%▲ from 4.40%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month CD
$0
4.50%
▲ 1.22% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 1.22% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
- Oct 1, 20264.50%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
18 Month Traditional/Roth IRA
$0
4.50%
▲ 1.22% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 1.22% above avgNationally 2.88%
Details
IRA Certificate
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
- Oct 1, 20264.50%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35%
▲ 1.07% above Texas avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 13, 20264.35%▲ from 3.75%
- Oct 5, 20263.75%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificates - 18 month
$1,000
4.35%
▲ 1.07% above Texas avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 4.35% APY
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.35%
▲ 1.07% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.88%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.07% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 18 Months
$500
4.33%
▲ 1.05% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 1.05% above avgNationally 2.88%
Details
Dividends Monthly
Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 18 Months
$500
4.33%
▲ 1.05% above Texas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 1.05% above avgNationally 2.88%
Details
Compounding: Monthly
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.33% ▲ 0.57 pts · high 4.33% / low 3.76%
- Oct 4, 20264.33%▲ from 3.76%
- Sep 14, 20263.76%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 18 Months
$50,000
4.30%
▲ 1.02% above Texas avg
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 1.02% above avgNationally 2.88%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.30% ▲ 0.39 pts · high 4.30% / low 3.91%
- Oct 14, 20264.30%▲ from 4.25%
- Sep 22, 20264.25%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Star Certificate of Deposit
$1,000
4.25%
▲ 0.97% above Texas avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.88%
Details
Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 0.97% above Texas avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.88%
Details
Bump-Up CD; Available for a limited time only!; Increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 0.97% above Texas avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.88%
Details
Rate Effective Date: October 15, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.25%
▲ 0.97% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.88%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 Month Certificate of Deposit
$0
4.25%
▲ 0.97% above Texas avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.88%
Details
Investment Accounts (includes IRA CDs); Regular and IRA Certificates of Deposit; Balance: Jumbo ($50K plus)
Rate History
2 changes since Sep 18, 2026 · 3.30% → 4.25% ▲ 0.95 pts · high 4.25% / low 3.30%
- Oct 14, 20264.25%▲ from 4.15%
- Sep 22, 20264.15%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 18 Month CD
$500
4.20%
▲ 0.92% above Texas avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.28%▲ 0.92% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Standard CD - 18 Months
$1,000
4.20%
▲ 0.92% above Texas avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.92% above avgNationally 2.88%
Details
Interest paid monthly; interest compounded and credited monthly; penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 14, 20264.20%▲ from 4.15%
- Sep 22, 20264.15%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Certificate of Deposit - 18 Month
$1,000
4.15%
▲ 0.87% above Texas avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.88%
Details
Compounded: Quarterly; Credited: Quarterly
Rate History
No change since Oct 14, 2026 · 4.15% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.88%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Business CD
$5,000
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
18-Month CD
$20,000
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.88%
Details
Est. earnings / $10K: ~$622; Total value: $10,622; APYs accurate as of May 1, 2026
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.82% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.10%
▲ 0.82% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.88%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
18 Month Standard CD
$2,500
4.10%
▲ 0.82% above Texas avg
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.88%
Details
Standard CD
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Sep 27, 20264.10%▲ from 3.75%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 18 months
$2,500
4.10%
▲ 0.82% above Texas avg
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.88%
Details
In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard Certificates - 18 months
$2,500
4.10%
▲ 0.82% above Texas avg
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.88%
Details
Minimum Opening Deposit: $2,500; Additional deposits are not allowed
Rate History
2 changes since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Sep 27, 20264.10%▲ from 3.75%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
San Marcos 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
24-Month Super Jumbo Certificate
$0
4.27%
▲ 1.04% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 1.04% above avgNationally 2.90%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
- Oct 4, 20264.27%▲ from 4.11%
- Sep 14, 20264.11%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
24 Month Term Share Certificate
$0
4.20%
▲ 0.97% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.97% above avgNationally 2.90%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
24-Month Jumbo Certificate
$0
4.16%
▲ 0.93% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 0.93% above avgNationally 2.90%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 4 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Business Fixed Rate Certificates - 24 Month
$0
4.10%
▲ 0.87% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.87% above avgNationally 2.90%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate Certificate - 24 Month
$0
4.10%
▲ 0.87% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.87% above avgNationally 2.90%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate IRA - 24 Month
$0
4.10%
▲ 0.87% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.87% above avgNationally 2.90%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
24 Month Term Share Certificate
$0
4.10%
▲ 0.87% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.87% above avgNationally 2.90%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
24-Month Share Certificate
$0
4.06%
▲ 0.83% above Texas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 0.83% above avgNationally 2.90%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 4 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Business Fixed Rate Certificates - 24 Month Step-Up
$0
3.95%
▲ 0.72% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.72% above avgNationally 2.90%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Oct 14, 2026 · 3.95% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate Certificate - 24 Month Step-Up
$0
3.95%
▲ 0.72% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.72% above avgNationally 2.90%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Oct 14, 2026 · 3.95% APY
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate IRA - 24 Month Step-Up
$0
3.95%
▲ 0.72% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.72% above avgNationally 2.90%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
Regular CD - 1 1/2 Year CD
$1,000
3.80%
▲ 0.57% above Texas avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.57% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.80% APY
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
24 Month Share Certificate
$0
3.70%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 0.47% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
IRA Certificate - 24 month
$0
3.70%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 0.47% above avgNationally 2.90%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
2 Year Jumbo CD
$100,000
3.55%
▲ 0.32% above Texas avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.32% above avgNationally 2.90%
Details
Jumbo CD; APY (Quarterly); Minimum to open $100,000
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 14, 20263.55%▲ from 3.50%
- Sep 19, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
Regular CD - 2 Year CD
$1,000
3.55%
▲ 0.32% above Texas avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.32% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.55% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
2 Year Jumbo CD
$100,000
3.50%
▲ 0.27% above Texas avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.27% above avgNationally 2.90%
Details
Jumbo CD; Minimum to open $100,000
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 19, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
Regular CD - 2 1/2 Year CD
$1,000
3.29%
▲ 0.06% above Texas avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 0.06% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.29% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
24 Month Certificate of Deposit
$0
3.10%
▼ 0.13% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 0.13% below avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 18, 2026 · 2.90% → 3.10% ▲ 0.20 pts · high 3.10% / low 2.90%
- Oct 2, 20263.10%▲ from 3.00%
- Sep 24, 20263.00%▲ from 2.90%
- Sep 18, 20262.90%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
24 Month Frost Business Certificate of Deposit
$1,000
3.10%
▼ 0.13% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 0.13% below avgNationally 2.90%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.10% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
24 Month Certificate of Deposit
$0
2.60%
▼ 0.63% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 0.63% below avgNationally 2.90%
Details
Balance: $1,000.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40%
- Oct 2, 20262.60%▲ from 2.50%
- Sep 27, 20262.50%▲ from 2.40%
- Sep 18, 20262.40%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
24 Month Frost Business Certificate of Deposit
$1,000
2.60%
▼ 0.63% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 0.63% below avgNationally 2.90%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 2.60% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
231 N Guadalupe St, San Marcos, TX 78666
IRA CDs - 24 Month Fixed IRA
$0
2.60%
▼ 0.63% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 0.63% below avgNationally 2.90%
Details
Frost IRA CD; APY effective as of 10/14/2026; Traditional and Roth IRAs
Rate History
No change since Oct 14, 2026 · 2.60% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
24 Month Certificate of Deposit
$0
0.03%
▼ 3.20% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 3.20% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 24 Months
$250
0.03%
▼ 3.20% below Texas avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 3.20% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
24 Month Certificate of Deposit
$0
0.02%
▼ 3.21% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 3.21% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 24 Months
$250
0.02%
▼ 3.21% below Texas avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 3.21% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
24 Month Certificate of Deposit
$0
0.01%
▼ 3.22% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 3.22% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 24 Months
$250
0.01%
▼ 3.22% below Texas avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▼ 3.22% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
24 Month Jumbo Certificates of Deposit
$0
4.86%
▲ 1.63% above Texas avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.63% above avgNationally 2.90%
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.86% ▲ 0.37 pts · high 4.86% / low 4.49%
- Oct 14, 20264.86%▲ from 4.49%
- Sep 14, 20264.49%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81%
▲ 1.58% above Texas avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 1.58% above avgNationally 2.90%
Details
IRA Rates; Footnote 4: minimum initial deposit $1,000 for Traditional and Roth IRA Certificates, $500 for Educational IRA Certificates; Dividends are compounded daily and paid quarterly
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Standard CD - 24 Months
$1,000
4.80%
▲ 1.57% above Texas avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.57% above avgNationally 2.90%
Details
Balance: $1,000 - $249,999.99
Rate History
No change since Oct 14, 2026 · 4.80% APY
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificate
$0
4.75%
▲ 1.52% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.52% above avgNationally 2.90%
Details
Balance: $100,000 +
Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 4 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 24 Months
$500
4.55%
▲ 1.32% above Texas avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 1.32% above avgNationally 2.90%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
- Oct 8, 20264.55%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate Accounts
$0
4.54%
▲ 1.31% above Texas avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 1.31% above avgNationally 2.90%
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.54% ▲ 0.21 pts · high 4.54% / low 4.33%
- Oct 15, 20264.54%▲ from 4.33%
- Sep 25, 20264.33%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.50%
▲ 1.27% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.27% above avgNationally 2.90%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 14, 20264.50%▲ from 4.40%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate Accounts
$0
4.44%
▲ 1.21% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 1.21% above avgNationally 2.90%
Details
Mini-Jumbo/Min. $25,000 tier
Rate History
1 change since Sep 25, 2026 · 4.23% → 4.44% ▲ 0.21 pts · high 4.44% / low 4.23%
- Oct 15, 20264.44%▲ from 4.23%
- Sep 25, 20264.23%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificates - 24 month
$1,000
4.40%
▲ 1.17% above Texas avg
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 1.17% above avgNationally 2.90%
Details
Rate History
No change since Oct 15, 2026 · 4.40% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month Certificate of Deposit (CD)
$0
4.40%
▲ 1.17% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.17% above avgNationally 2.90%
Details
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35%
▲ 1.12% above Texas avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 1.12% above avgNationally 2.90%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Karnes County National Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.99%
Jumbo CD - 2 Year
$0
4.33%
▲ 1.10% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.23%▲ 1.10% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.33% ▲ 1.08 pts · high 4.33% / low 3.25%
- Oct 7, 20264.33%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate Accounts
$0
4.33%
▲ 1.10% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.23%▲ 1.10% above avgNationally 2.90%
Details
Min. $1,000 tier
Rate History
1 change since Sep 25, 2026 · 4.13% → 4.33% ▲ 0.20 pts · high 4.33% / low 4.13%
- Oct 15, 20264.33%▲ from 4.13%
- Sep 25, 20264.13%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 24 Months
$50,000
4.30%
▲ 1.07% above Texas avg
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.07% above avgNationally 2.90%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.30% ▲ 0.39 pts · high 4.30% / low 3.91%
- Oct 14, 20264.30%▲ from 4.25%
- Sep 22, 20264.25%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Bask 24-month CD
$1,000
4.30%
▲ 1.07% above Texas avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.07% 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 for withdrawal prior to maturity
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24-Month IRA Jumbo Share CD
$0
4.27%
▲ 1.04% above Texas avg
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.04% above avgNationally 2.90%
Details
IRA Certificate of Deposit
Rate History
1 change since Sep 14, 2026 · 3.84% → 4.27% ▲ 0.43 pts · high 4.27% / low 3.84%
- Oct 10, 20264.27%▲ from 3.84%
- Sep 14, 20263.84%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
24-Month Junior Jumbo Share CD
$0
4.27%
▲ 1.04% above Texas avg
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.04% above avgNationally 2.90%
Details
Balance: $95K and over; Jumbo Certificate of Deposit section
Rate History
1 change since Sep 22, 2026 · 3.84% → 4.27% ▲ 0.43 pts · high 4.27% / low 3.84%
- Oct 10, 20264.27%▲ from 3.84%
- Sep 22, 20263.84%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.03% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.03% above avgNationally 2.90%
Details
Balance: $99,000 minimum; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
- Oct 2, 20264.26%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-Month Certificate of Deposit
$0
4.25%
▲ 1.02% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.02% above avgNationally 2.90%
Details
Guaranteed rate of return on a Certificate of Deposit
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-Month CD
$1,000
4.25%
▲ 1.02% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.23%▲ 1.02% above avgNationally 2.90%
Details
Limited time offer; APY effective 08/13/2026, 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 8 times
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 24 Month CD
$500
4.25%
▲ 1.02% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.23%▲ 1.02% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
San Marcos 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
36-Month Super Jumbo Certificate
$0
4.32%
▲ 1.18% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.18% above avgNationally 2.82%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
- Oct 4, 20264.32%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
36-Month Jumbo Certificate
$0
4.22%
▲ 1.08% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.08% above avgNationally 2.82%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
36 Month Term Share Certificate
$0
4.20%
▲ 1.06% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.06% above avgNationally 2.82%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
36-Month Share Certificate
$0
4.11%
▲ 0.97% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 0.97% above avgNationally 2.82%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.11% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
36 Month Term Share Certificate
$0
4.10%
▲ 0.96% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.96% above avgNationally 2.82%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
36 Month Share Certificate
$0
3.70%
▲ 0.56% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 0.56% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
IRA Certificate - 36 month
$0
3.70%
▲ 0.56% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 0.56% above avgNationally 2.82%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Business Fixed Rate Certificates - 36 Month
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.82%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate Certificate - 36 Month
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.82%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate IRA - 36 Month
$0
3.60%
▲ 0.46% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 0.46% above avgNationally 2.82%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
3 Year Jumbo CD
$100,000
3.03%
▼ 0.11% below Texas avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 0.11% below avgNationally 2.82%
Details
Jumbo CD; APY (Quarterly); Minimum to open $100,000
Rate History
2 changes since Sep 14, 2026 · 2.75% → 3.03% ▲ 0.28 pts · high 3.03% / low 2.75%
- Oct 14, 20263.03%▲ from 3.00%
- Sep 19, 20263.00%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
Regular CD - 3 Year CD
$1,000
3.03%
▼ 0.11% below Texas avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 0.11% below avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.03% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
3 Year Jumbo CD
$100,000
3.00%
▼ 0.14% below Texas avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 0.14% below avgNationally 2.82%
Details
Jumbo CD; Minimum to open $100,000
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
- Sep 19, 20263.00%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 3 Year Fixed Rate
$1,000
1.51%
▼ 1.63% below Texas avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 1.63% below avgNationally 2.82%
Details
Individual Retirement Account (IRA); Fixed rate; Minimum to open $1,000
Rate History
No change since Oct 14, 2026 · 1.51% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 3 Year Variable Rate
$100
1.46%
▼ 1.68% below Texas avg
▼
Rate1.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 1.68% below avgNationally 2.82%
Details
Minimum to open $100; Variable rate, may change after account is opened; Individual Retirement Account
Rate History
No change since Oct 14, 2026 · 1.46% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
36 Month Certificate of Deposit
$0
0.03%
▼ 3.11% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 3.11% below avgNationally 2.82%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 36 Months
$250
0.03%
▼ 3.11% below Texas avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 3.11% below avgNationally 2.82%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
36 Month Certificate of Deposit
$0
0.02%
▼ 3.12% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 3.12% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 36 Months
$250
0.02%
▼ 3.12% below Texas avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 3.12% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
36 Month Certificate of Deposit
$0
0.01%
▼ 3.13% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 3.13% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 36 Months
$250
0.01%
▼ 3.13% below Texas avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▼ 3.13% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Month Jumbo Certificates of Deposit
$0
4.96%
▲ 1.82% above Texas avg
▼
Rate4.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.82% above avgNationally 2.82%
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.54% → 4.96% ▲ 0.42 pts · high 4.96% / low 4.54%
- Oct 14, 20264.96%▲ from 4.54%
- Sep 14, 20264.54%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Standard CD - 36 Months
$1,000
4.91%
▲ 1.77% above Texas avg
▼
Rate4.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.77% above avgNationally 2.82%
Details
Balance: $1,000 - $249,999.99
Rate History
No change since Oct 14, 2026 · 4.91% APY
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 36 Months
$500
4.71%
▲ 1.57% above Texas avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.57% above avgNationally 2.82%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate Accounts
$0
4.59%
▲ 1.45% above Texas avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.45% above avgNationally 2.82%
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Oct 15, 20264.59%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
36 Month Business Certificate
$1,000
4.50%
▲ 1.36% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.82%
Details
Balance: $1,000.00 and up
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
36 Month Certificates
$1,000
4.50%
▲ 1.36% above Texas avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.82%
Details
Balance: $1,000.00 and up
Rate History
1 change since Sep 25, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 4, 20264.50%▲ from 4.20%
- Sep 25, 20264.20%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Year Business CD
$5,000
4.50%
▲ 1.36% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 1.36% above avgNationally 2.82%
Details
Balance: $0.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate Accounts
$0
4.49%
▲ 1.35% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.35% above avgNationally 2.82%
Details
Mini-Jumbo/Min. $25,000 tier
Rate History
1 change since Sep 25, 2026 · 4.23% → 4.49% ▲ 0.26 pts · high 4.49% / low 4.23%
- Oct 15, 20264.49%▲ from 4.23%
- Sep 25, 20264.23%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month IRA Share CD
$0
4.41%
▲ 1.27% above Texas avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.82%
Details
IRA Certificate of Deposit
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
- Oct 10, 20264.41%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Jumbo Share CD
$0
4.41%
▲ 1.27% above Texas avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.27% above avgNationally 2.82%
Details
Balance: $95K and over; Jumbo Certificate of Deposit
Rate History
1 change since Sep 22, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
- Oct 10, 20264.41%▲ from 3.92%
- Sep 22, 20263.92%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40%
▲ 1.26% above Texas avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.26% above avgNationally 2.82%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate Accounts
$0
4.39%
▲ 1.25% above Texas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.25% above avgNationally 2.82%
Details
Min. $1,000 tier
Rate History
1 change since Sep 25, 2026 · 4.13% → 4.39% ▲ 0.26 pts · high 4.39% / low 4.13%
- Oct 15, 20264.39%▲ from 4.13%
- Sep 25, 20264.13%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
36 Month Bump-Up Certificate
$1,000
4.35%
▲ 1.21% above Texas avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.82%
Details
Balance: $1,000.00 and up; Early withdrawal penalty: 120 days' dividends
Rate History
1 change since Sep 25, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 4, 20264.35%▲ from 4.05%
- Sep 25, 20264.05%first recorded
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
36 Month Business Bump-Up Certificate
$1,000
4.35%
▲ 1.21% above Texas avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.82%
Details
Balance: $1,000.00 and up; Subject to membership eligibility; Early withdrawal penalty: 120 days' dividends
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Junior Jumbo Share CD
$0
4.35%
▲ 1.21% above Texas avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.82%
Details
Balance: $50K - $95K; Junior Jumbo Certificate of Deposit
Rate History
1 change since Sep 22, 2026 · 3.87% → 4.35% ▲ 0.48 pts · high 4.35% / low 3.87%
- Oct 10, 20264.35%▲ from 3.87%
- Sep 22, 20263.87%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 36 Months
$50,000
4.35%
▲ 1.21% above Texas avg
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.21% above avgNationally 2.82%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.86% → 4.35% ▲ 0.49 pts · high 4.35% / low 3.86%
- Sep 22, 20264.35%▲ from 3.86%
- Sep 14, 20263.86%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA
$0
4.31%
▲ 1.17% above Texas avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.17% above avgNationally 2.82%
Details
Balance: $99,000 minimum; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
- Oct 2, 20264.31%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Citizens State Bank Sealy, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
4.30%
▲ 1.16% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.82%
Details
Homepage banner: Rates up to 4.30% APY*; APY accurate as of 9/21/2026; minimum balance of $100,000 on a 36-month CD to earn 4.30% APY; penalties may apply; fees may reduce earnings
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 5 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 1.16% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.82%
Details
Rate Effective Date: October 15, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36-Month Share CD
$0
4.30%
▲ 1.16% above Texas avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.16% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.30% ▲ 0.48 pts · high 4.30% / low 3.82%
- Oct 10, 20264.30%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 36 Month CD
$500
4.25%
▲ 1.11% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▲ 1.11% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.82%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
36 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▲ 1.11% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Standard CD - 36 Months
$1,000
4.25%
▲ 1.11% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.82%
Details
Interest paid monthly; interest compounded and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Sep 22, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month CD
$0
4.25%
▲ 1.11% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 1, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Traditional/Roth IRA
$0
4.25%
▲ 1.11% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.11% above avgNationally 2.82%
Details
IRA Certificate
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 1, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24%
▲ 1.10% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.14%▲ 1.10% above avgNationally 2.82%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
- Oct 1, 20264.24%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates (3 year)
$250,001
4.23%
▲ 1.09% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.14%▲ 1.09% above avgNationally 2.82%
Details
Rate History
No change since Sep 21, 2026 · 4.23% APY · checked 7 times
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
36 Month Jumbo or IRA CD
$25,000
4.23%
▲ 1.09% above Texas avg
▼
Rate4.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.14%▲ 1.09% above avgNationally 2.82%
Details
Account type: $25,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
- Oct 13, 20264.23%▲ from 3.92%
- Sep 14, 20263.92%first recorded
San Marcos 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
48-Month Super Jumbo Certificate
$0
4.37%
▲ 1.33% above Texas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.33% above avgNationally 2.81%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 4, 20264.37%▲ from 4.22%
- Sep 14, 20264.22%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
48-Month Jumbo Certificate
$0
4.27%
▲ 1.23% above Texas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.23% above avgNationally 2.81%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.27% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
48 Month Term Share Certificate
$0
4.20%
▲ 1.16% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.81%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
48-Month Share Certificate
$0
4.16%
▲ 1.12% above Texas avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.12% above avgNationally 2.81%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.16% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
48 Month Term Share Certificate
$0
4.10%
▲ 1.06% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.06% above avgNationally 2.81%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Business Fixed Rate Certificates - 48 Month
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate Certificate - 48 Month
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate IRA - 48 Month
$0
3.70%
▲ 0.66% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
48 Month Share Certificate
$0
3.70%
▲ 0.66% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
IRA Certificate - 48 month
$0
3.70%
▲ 0.66% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 0.66% above avgNationally 2.81%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
4 Year Jumbo CD
$100,000
3.03%
▼ 0.01% below Texas avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 0.01% below avgNationally 2.81%
Details
Jumbo CD; APY (Quarterly); Minimum to open $100,000
Rate History
2 changes since Sep 14, 2026 · 2.70% → 3.03% ▲ 0.33 pts · high 3.03% / low 2.70%
- Oct 14, 20263.03%▲ from 3.00%
- Sep 19, 20263.00%▲ from 2.70%
- Sep 14, 20262.70%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
Regular CD - 4 Year CD
$1,000
3.03%
▼ 0.01% below Texas avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 0.01% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.03% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
4 Year Jumbo CD
$100,000
3.00%
▼ 0.04% below Texas avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 0.04% below avgNationally 2.81%
Details
Jumbo CD; Minimum to open $100,000
Rate History
1 change since Sep 14, 2026 · 2.70% → 3.00% ▲ 0.30 pts · high 3.00% / low 2.70%
- Sep 19, 20263.00%▲ from 2.70%
- Sep 14, 20262.70%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 4 Year Fixed Rate
$1,000
1.61%
▼ 1.43% below Texas avg
▼
Rate1.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 1.43% below avgNationally 2.81%
Details
Individual Retirement Account (IRA); Fixed rate; Minimum to open $1,000
Rate History
No change since Oct 14, 2026 · 1.61% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 4 Year Variable Rate
$100
1.51%
▼ 1.53% below Texas avg
▼
Rate1.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 1.53% below avgNationally 2.81%
Details
Minimum to open $100; Variable rate, may change after account is opened; Individual Retirement Account
Rate History
No change since Oct 14, 2026 · 1.51% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
48 Month Certificate of Deposit
$0
0.03%
▼ 3.01% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 3.01% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 48 Months
$250
0.03%
▼ 3.01% below Texas avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 3.01% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
48 Month Certificate of Deposit
$0
0.02%
▼ 3.02% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 3.02% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 48 Months
$250
0.02%
▼ 3.02% below Texas avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 3.02% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
48 Month Certificate of Deposit
$0
0.01%
▼ 3.03% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 3.03% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 48 Months
$250
0.01%
▼ 3.03% below Texas avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▼ 3.03% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.60%
▲ 1.56% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 1.56% above avgNationally 2.81%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate Accounts
$0
4.59%
▲ 1.55% above Texas avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.55% above avgNationally 2.81%
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Oct 15, 20264.59%▲ from 4.33%
- Sep 25, 20264.33%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.50%
▲ 1.46% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 1.46% above avgNationally 2.81%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate Accounts
$0
4.49%
▲ 1.45% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.45% above avgNationally 2.81%
Details
Mini-Jumbo/Min. $25,000 tier
Rate History
1 change since Sep 25, 2026 · 4.23% → 4.49% ▲ 0.26 pts · high 4.49% / low 4.23%
- Oct 15, 20264.49%▲ from 4.23%
- Sep 25, 20264.23%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47%
▲ 1.43% above Texas avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.43% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
- Oct 1, 20264.47%▲ from 4.12%
- Sep 18, 20264.12%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40%
▲ 1.36% above Texas avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.40%
▲ 1.36% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 1.36% above avgNationally 2.81%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate Accounts
$0
4.39%
▲ 1.35% above Texas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.35% above avgNationally 2.81%
Details
Min. $1,000 tier
Rate History
1 change since Sep 25, 2026 · 4.13% → 4.39% ▲ 0.26 pts · high 4.39% / low 4.13%
- Oct 15, 20264.39%▲ from 4.13%
- Sep 25, 20264.13%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.36%
▲ 1.32% above Texas avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.81%
Details
Balance: $99,000 minimum; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
- Oct 2, 20264.36%▲ from 3.96%
- Sep 18, 20263.96%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36%
▲ 1.32% above Texas avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.32% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
- Oct 1, 20264.36%▲ from 4.01%
- Sep 18, 20264.01%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 48 Months
$50,000
4.35%
▲ 1.31% above Texas avg
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.31% above avgNationally 2.81%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.86% → 4.35% ▲ 0.49 pts · high 4.35% / low 3.86%
- Sep 22, 20264.35%▲ from 3.86%
- Sep 14, 20263.86%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.26% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.81%
Details
Rate Effective Date: October 15, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Business CD
$5,000
4.30%
▲ 1.26% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 1.26% above avgNationally 2.81%
Details
Balance: $0.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Jumbo or IRA CD
$25,000
4.28%
▲ 1.24% above Texas avg
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 1.24% above avgNationally 2.81%
Details
Account type: $25,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Oct 13, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.22% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.81%
Details
Balance: $50,000 minimum; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
- Oct 2, 20264.26%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Certificates
$0
4.26%
▲ 1.22% above Texas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.22% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
- Oct 1, 20264.26%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▲ 1.21% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.81%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
48 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▲ 1.21% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Standard CD - 48 Months
$1,000
4.25%
▲ 1.21% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.81%
Details
Interest paid monthly; interest compounded and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Sep 22, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month CD
$0
4.25%
▲ 1.21% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.21% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 1, 20264.25%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificate Accounts - IRA & Jumbo
$0
4.22%
▲ 1.18% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.04%▲ 1.18% above avgNationally 2.81%
Details
$500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum for jumbo certificates
Rate History
3 changes since Sep 14, 2026 · 3.87% → 4.22% ▲ 0.35 pts · high 4.22% / low 3.87%
- Oct 13, 20264.22%▲ from 4.07%
- Sep 25, 20264.07%▲ from 4.02%
- Sep 18, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.20%
▲ 1.16% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.16% above avgNationally 2.81%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
48 Month Regular or IRA CD
$500
4.18%
▲ 1.14% above Texas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.04%▲ 1.14% above avgNationally 2.81%
Details
Account type: $500 minimum
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 13, 20264.18%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA
$0
4.15%
▲ 1.11% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details
Balance: $25,000 minimum; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 2, 20264.15%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Ciera Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Certificate of Deposit - 48 Month
$1,000
4.15%
▲ 1.11% above Texas avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details
Compounded: Quarterly; Credited: Quarterly
Rate History
No change since Oct 14, 2026 · 4.15% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.15%
▲ 1.11% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
48 Month Standard CD
$2,500
4.15%
▲ 1.11% above Texas avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details
Standard CD
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Sep 27, 20264.15%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 48 months
$2,500
4.15%
▲ 1.11% above Texas avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details
In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits
Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 3 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard Certificates - 48 months
$2,500
4.15%
▲ 1.11% above Texas avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.04%▲ 1.11% above avgNationally 2.81%
Details
Minimum Opening Deposit: $2,500; Additional deposits are not allowed
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Sep 27, 20264.15%▲ from 3.70%
- Sep 14, 20263.70%first recorded
San Marcos 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
60-Month Super Jumbo Certificate
$0
4.42%
▲ 1.34% above Texas avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.34% above avgNationally 2.93%
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.27% → 4.42% ▲ 0.15 pts · high 4.42% / low 4.27%
- Oct 4, 20264.42%▲ from 4.27%
- Sep 14, 20264.27%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
60 Month Term Share Certificate
$0
4.35%
▲ 1.27% above Texas avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.27% above avgNationally 2.93%
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 10, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
60-Month Jumbo Certificate
$0
4.32%
▲ 1.24% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.24% above avgNationally 2.93%
Details
Balance: $95,000 to $224,999
Rate History
No change since Oct 4, 2026 · 4.32% APY · checked 4 times
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
60 Month Term Share Certificate
$0
4.25%
▲ 1.17% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.93%
Details
Standard tier ($1,000 minimum); Compounded daily, paid quarterly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
904 Bugg Ln, San Marcos, TX 78666
60-Month Share Certificate
$0
4.22%
▲ 1.14% above Texas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.14% above avgNationally 2.93%
Details
Balance: $1,000 to $94,999
Rate History
No change since Oct 4, 2026 · 4.22% APY · checked 4 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
60 Month Share Certificate
$0
3.75%
▲ 0.67% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1204 Thorpe Ln, San Marcos, TX 78666 6538
IRA Certificate - 60 month
$0
3.75%
▲ 0.67% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 0.67% above avgNationally 2.93%
Details
IRA Certificates rate table
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Business Fixed Rate Certificates - 60 Month
$0
3.70%
▲ 0.62% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.93%
Details
Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 6 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate Certificate - 60 Month
$0
3.70%
▲ 0.62% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.93%
Details
Effective Date: September 3, 2026; A penalty will or may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
614 N Guadalupe St, San Marcos, TX 78666 5713
Fixed-Rate IRA - 60 Month
$0
3.70%
▲ 0.62% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 0.62% above avgNationally 2.93%
Details
Effective Date: September 3, 2026; Fees could reduce earnings.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
5 Year Jumbo CD
$100,000
3.03%
▼ 0.05% below Texas avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 0.05% below avgNationally 2.93%
Details
Jumbo CD; APY (Quarterly); Minimum to open $100,000
Rate History
2 changes since Sep 14, 2026 · 2.50% → 3.03% ▲ 0.53 pts · high 3.03% / low 2.50%
- Oct 14, 20263.03%▲ from 3.00%
- Sep 19, 20263.00%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
Regular CD - 5 Year CD
$1,000
3.03%
▼ 0.05% below Texas avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 0.05% below avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.03% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
5 Year Jumbo CD
$100,000
3.00%
▼ 0.08% below Texas avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 0.08% below avgNationally 2.93%
Details
Jumbo CD; Minimum to open $100,000
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Sep 19, 20263.00%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 5 Year Fixed Rate
$1,000
1.76%
▼ 1.32% below Texas avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 1.32% below avgNationally 2.93%
Details
Individual Retirement Account (IRA); Fixed rate; Minimum to open $1,000
Rate History
No change since Oct 14, 2026 · 1.76% APY
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2202 Hunter Rd, San Marcos, TX 78666
IRA 5 Year Variable Rate
$100
1.61%
▼ 1.47% below Texas avg
▼
Rate1.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 1.47% below avgNationally 2.93%
Details
Minimum to open $100; Variable rate, may change after account is opened; Individual Retirement Account
Rate History
No change since Oct 14, 2026 · 1.61% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
60 Month Certificate of Deposit
$0
0.03%
▼ 3.05% below Texas avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 3.05% below avgNationally 2.93%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 60 Months
$250
0.03%
▼ 3.05% below Texas avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 3.05% below avgNationally 2.93%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
60 Month Certificate of Deposit
$0
0.02%
▼ 3.06% below Texas avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 3.06% below avgNationally 2.93%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 60 Months
$250
0.02%
▼ 3.06% below Texas avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 3.06% below avgNationally 2.93%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
60 Month Certificate of Deposit
$0
0.01%
▼ 3.07% below Texas avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 3.07% below avgNationally 2.93%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 S Lbj Dr, San Marcos, TX 78666
IRA CD - 60 Months
$250
0.01%
▼ 3.07% below Texas avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▼ 3.07% below avgNationally 2.93%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87%
▲ 1.79% above Texas avg
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.79% above avgNationally 2.93%
Details
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
- Oct 1, 20264.87%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76%
▲ 1.68% above Texas avg
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.68% above avgNationally 2.93%
Details
Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
- Oct 1, 20264.76%▲ from 4.39%
- Sep 18, 20264.39%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.70%
▲ 1.62% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▲ 1.62% above avgNationally 2.93%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.70% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Certificates
$0
4.66%
▲ 1.58% above Texas avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.58% above avgNationally 2.93%
Details
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
- Oct 1, 20264.66%▲ from 4.28%
- Sep 18, 20264.28%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.60%
▲ 1.52% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▲ 1.52% above avgNationally 2.93%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 2 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate Accounts
$0
4.59%
▲ 1.51% above Texas avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.51% above avgNationally 2.93%
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Oct 15, 20264.59%▲ from 4.33%
- Sep 25, 20264.33%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.50%
▲ 1.42% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.93%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
60 Month Callable CD
$0
4.50%
▲ 1.42% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.93%
Details
Callable CD: may be redeemed by the credit union at its option, not in the first 90 days; minimum to open $50,000
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 2 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month IRA Share CD
$0
4.50%
▲ 1.42% above Texas avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.93%
Details
IRA Certificate of Deposit
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
- Oct 10, 20264.50%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Jumbo Share CD
$0
4.50%
▲ 1.42% above Texas avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.42% above avgNationally 2.93%
Details
Balance: $95K and over; Jumbo Certificate of Deposit
Rate History
1 change since Sep 22, 2026 · 4.02% → 4.50% ▲ 0.48 pts · high 4.50% / low 4.02%
- Oct 10, 20264.50%▲ from 4.02%
- Sep 22, 20264.02%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate Accounts
$0
4.49%
▲ 1.41% above Texas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.41% above avgNationally 2.93%
Details
Mini-Jumbo/Min. $25,000 tier
Rate History
1 change since Sep 25, 2026 · 4.23% → 4.49% ▲ 0.26 pts · high 4.49% / low 4.23%
- Oct 15, 20264.49%▲ from 4.23%
- Sep 25, 20264.23%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Junior Jumbo Share CD
$0
4.45%
▲ 1.37% above Texas avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.37% above avgNationally 2.93%
Details
Balance: $50K - $95K; Junior Jumbo Certificate of Deposit
Rate History
1 change since Sep 22, 2026 · 3.97% → 4.45% ▲ 0.48 pts · high 4.45% / low 3.97%
- Oct 10, 20264.45%▲ from 3.97%
- Sep 22, 20263.97%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.40%
▲ 1.32% above Texas avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.32% above avgNationally 2.93%
Details
Balance: $99,000 minimum; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89%
- Oct 2, 20264.40%▲ from 3.89%
- Sep 18, 20263.89%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$100,000
4.40%
▲ 1.32% above Texas avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.32% above avgNationally 2.93%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Business CD
$5,000
4.40%
▲ 1.32% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▲ 1.32% above avgNationally 2.93%
Details
Balance: $0.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60-Month Share CD
$0
4.40%
▲ 1.32% above Texas avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.32% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.40% ▲ 0.48 pts · high 4.40% / low 3.92%
- Oct 10, 20264.40%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate Accounts
$0
4.39%
▲ 1.31% above Texas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.31% above avgNationally 2.93%
Details
Min. $1,000 tier
Rate History
1 change since Sep 25, 2026 · 4.13% → 4.39% ▲ 0.26 pts · high 4.39% / low 4.13%
- Oct 15, 20264.39%▲ from 4.13%
- Sep 25, 20264.13%first recorded
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Jumbo CD - 60 Months
$50,000
4.35%
▲ 1.27% above Texas avg
▼
Rate4.27%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.27% above avgNationally 2.93%
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.35% ▲ 0.24 pts · high 4.35% / low 4.11%
- Sep 22, 20264.35%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
60 Month Jumbo or IRA CD
$25,000
4.33%
▲ 1.25% above Texas avg
▼
Rate4.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Texas Average3.08%▲ 1.25% above avgNationally 2.93%
Details
Account type: $25,000 minimum
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
- Oct 13, 20264.33%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Share Certificate Accounts - IRA & Jumbo
$0
4.32%
▲ 1.24% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.24% above avgNationally 2.93%
Details
$500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum for jumbo certificates
Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.32% ▲ 0.35 pts · high 4.32% / low 3.97%
- Oct 13, 20264.32%▲ from 4.17%
- Sep 25, 20264.17%▲ from 4.12%
- Sep 18, 20264.12%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA
$0
4.30%
▲ 1.22% above Texas avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.22% above avgNationally 2.93%
Details
Balance: $50,000 minimum; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 2, 20264.30%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.30%
▲ 1.22% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.08%▲ 1.22% above avgNationally 2.93%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$500
4.30%
▲ 1.22% above Texas avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.22% above avgNationally 2.93%
Details
Rate Effective Date: October 15, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Consumer 60 Month CD
$500
4.25%
▲ 1.17% above Texas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▲ 1.17% above Texas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.93%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
60 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▲ 1.17% above Texas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.93%
Details
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
60 Month Standard CD
$2,500
4.25%
▲ 1.17% above Texas avg
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.93%
Details
Standard CD
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
- Sep 27, 20264.25%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
IRA & Roth IRA Certificates - 60 months
$2,500
4.25%
▲ 1.17% above Texas avg
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.93%
Details
In-Branch Only; Additional deposits of $25 or more allowed, subject to annual IRS contribution limits
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 3 times
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Standard Certificates - 60 months
$2,500
4.25%
▲ 1.17% above Texas avg
▼
Rate4.16%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Texas Average3.08%▲ 1.17% above avgNationally 2.93%
Details
Minimum Opening Deposit: $2,500; Additional deposits are not allowed
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
- Sep 27, 20264.25%▲ from 3.65%
- Sep 14, 20263.65%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
San Marcos, TX CD Rate Trends
Compare local San Marcos, TX CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD TX Avg
3.411%
▲ 0.034 vs 7 days ago
Texas 12-month CD rates rose 0.034 points over the past 7 days to 3.411% APY.
6-Month CD TX Avg
3.268%
▲ 0.017 vs 7 days ago
Texas 6-month CD rates rose 0.017 points over the past 7 days to 3.268% APY.
As of Oct 19, 2026 • Rate data sourced from 8,500+ monitored institutions
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TX CD Rate Forecast, Next 12 Months
Where are Texas CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
3.411%
6-Month Forecast
3.411%
Range: 3.21%, 3.56%
12-Month Forecast
3.661%
Range: 3.46%, 3.81%
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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 | 2.508% | $125.42 | $250.83 | $627.08 | $1,254.15 |
| 6-Month CD | 3.268% | $163.42 | $326.83 | $817.07 | $1,634.15 |
| 12-Month CD | 3.411% | $170.53 | $341.06 | $852.65 | $1,705.30 |
| 18-Month CD | 3.282% | $164.09 | $328.17 | $820.43 | $1,640.85 |
| 24-Month CD | 3.234% | $161.70 | $323.40 | $808.50 | $1,617.00 |
| 36-Month CD | 3.141% | $157.07 | $314.13 | $785.33 | $1,570.65 |
| 48-Month CD | 3.037% | $151.83 | $303.65 | $759.13 | $1,518.25 |
| 60-Month CD | 3.083% | $154.16 | $308.31 | $770.78 | $1,541.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
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Sample CD Ladder for San Marcos, 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 | 2.508% | $125.42 |
| 2 | 6-Month CD | $5,000 | 3.268% | $163.42 |
| 3 | 12-Month CD | $5,000 | 3.411% | $170.53 |
| 4 | 24-Month CD | $5,000 | 3.234% | $161.70 |
| 5 | 36-Month CD | $5,000 | 3.141% | $157.07 |
| Total ($25,000 invested) | $25,000 | 3.113% blended | $778.14/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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3,571
CD Rates
Tracked in San Marcos, Texas
Tracked in San Marcos, Texas
43 Banks
90 Credit Unions
About Our San Marcos, Texas CD Rate Database
MonitorBankRates tracks 3,571 CD rates from 43 banks and 90 credit unions with locations in San Marcos, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: A+ Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in San Marcos, Texas.
How to Find the Best CD Rates in San Marcos, Texas
What to compare when shopping for a CD in San Marcos, Texas
To find the best APYs in San Marcos, Texas, start with credit unions and online-only banks: San Marcos, Texas has 90 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 Marcos, 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 Marcos, Texas: 133 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare San Marcos, Texas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare San Marcos, Texas money market rates
San Marcos, Texas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
10.8%
National avg: 17.3%
Median Individual Earnings
$22,881
National avg: $47,340
Poverty Rate
26.9%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$78/yr
At TX 12-mo avg 3.411% APY
10.8% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 3.411%, saving 10% of the local median salary ($2,288/year) and putting it in a CD would earn an additional $78 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 Marcos, 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 |
How Certificates of Deposit Work in San Marcos, Texas
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in San Marcos, 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 Marcos, Texas as everywhere in the U.S.
Choosing a CD Term in San Marcos, Texas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give San Marcos, Texas savers easier access to their funds. For example, Austin Telco Federal Credit Union is offering its 6-Month Super Jumbo Certificate at 4.11% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Austin Telco Federal Credit Union is offering its 60-Month Super Jumbo Certificate at 4.42% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for San Marcos, Texas Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a San Marcos, Texas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in San Marcos, Texas
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the San Marcos, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in San Marcos, Texas
Most CDs carry a fixed rate that is locked for the entire term, protecting a San Marcos, 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 Marcos, Texas
Are CD rates in San Marcos, Texas FDIC insured?
Yes, most established banks in San Marcos, 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 Marcos, 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 Marcos, 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 Marcos, 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 Marcos, Texas?
Here are recent top rates found for this area:
- A+ Federal Credit Union: 5.00% APY (12 Month StartUP Share Certificate)
- Austin Telco Federal Credit Union: 4.42% APY (60-Month Super Jumbo Certificate)
- GREATER TEXAS: 4.35% APY (60 Month Term Share Certificate)
- University Federal Credit Union: 4.10% APY (Business Fixed Rate Certificates - 24 Month)
- Schertz B&T: 4.06% APY (1 Year Jumbo CD)
- Frost Bank: 4.00% APY (90 Day Certificate of Deposit)
- Randolph Brooks FCU: 3.91% APY (18 Month SuperSaver Certificate)
- First-Lockhart National Bank: 3.65% APY (180 Day Certificate of Deposit)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
- PNC Bank: 0.03% APY (12 Month Certificate of Deposit)
Rates reflect recent verified offers available in San Marcos, Texas. Last Updated: October 19, 2026
San Marcos, 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 Marcos, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for San Marcos, Texas
San Marcos, Texas CD Calculator
At today’s TX top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
San Marcos, Texas CD LadderTX CD rates currently range from 2.508% (3-month) to 3.141% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a San Marcos, Texas CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 3.411% 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 Marcos, 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 Marcos, 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 Marcos, 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 19, 2026
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