Sugar Land, Texas Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Sugar Land, Texas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 27, 2026. Current Sugar Land, Texas CD rates include First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX3400 Highway 6, Sugar Land, TX 77478 4408A+5.0 ★Texas Ratio: 3.58%Real return: +1.00%APY minus CPIRate verified Oct 26, 2026 offering 5 Year Business CD at 4.70% APY, Vio BankVio Bank330 Highway 6, Sugar Land, TX 77478A+5.0 ★Texas Ratio: 4.93%Real return: +0.70%APY minus CPIRate verified Oct 26, 2026 offering Certificate of Deposit - 24 Month at 4.40% APY, Navy Federal Credit UnionNavy Federal Credit Union310 Highway 6 Ste 200, Sugar Land, TX 77478A5.0 ★Texas Ratio: 8.14%Real return: +0.65%APY minus CPIRate verified Oct 26, 2026 offering 12 Month Special EasyStart Certificate at 4.35% APY, Houston Federal Credit UnionHouston Federal Credit Union16320 Kensington Dr, Sugar Land, TX 77479 4097A+5.0 ★Texas Ratio: 2.70%Real return: +0.62%APY minus CPIRate verified Oct 23, 2026 offering IRA & Jumbo Share Certificate - 60 Month at 4.32% APY, and Amerant BankAmerant Bank330 Highway 6, Sugar Land, TX 77478B+4.7 ★Texas Ratio: 18.65%Real return: +0.55%APY minus CPIRate verified Oct 26, 2026 offering 12 Month Certificates of Deposit at 4.25% APY. CD rates as of October 27, 2026 according to verified data from MonitorBankRates.
Sugar Land has 491 local institutions in our database, with CD rates as high as 4.70% APY from First Community Credit Union Houston, TX at 3400 Highway 6, Sugar Land, TX 77478 4408. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 27, 2026
Compare Best CD Rates in Sugar Land, Texas & the Surrounding Area
Sugar Land 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Month Business CD
$5,000
4.30%
▲ 1.80% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.80% above avgNationally 2.12%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Month Business CD
$5,000
4.20%
▲ 1.70% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.70% above avgNationally 2.12%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate - 3 Month Special
$0
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details
Balance: $1000.00 - $49,999.99
Rate History
No change since Oct 15, 2026 · 4.13% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Month Business CD
$5,000
4.10%
▲ 1.60% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 3 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
90 Day Frost Certificate of Deposit Account
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
Balance: $500,000.00 and over; Jumbo CD; Visit a Frost financial center for CDs of $500,000 and over
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
90 Day Jumbo CD
$0
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
Balance: $500,000.00 and over; Visit a Frost financial center
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Certificate of Deposit - 90 Day
$1,000
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
Balance: $500,000 and over; Promotional rate for new CDs opened during promotion; CDs opened prior to 5/1/2023 that are up for renewal during promotion not eligible
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Month Business CD
$5,000
4.00%
▲ 1.50% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.50% above avgNationally 2.12%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
2150 Town Square Pl, Sugar Land, TX 77479
3-Month CD
$0
3.80%
▲ 1.30% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 10 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
3 Month Certificate of Deposit
$250,000
3.80%
▲ 1.30% above Texas avg
▼
Rate3.75%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.30% above avgNationally 2.12%
Details
Balance: $250,000.00 and over; Annual Percentage Yield is accurate as of 12/15/2025
Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
90 Day Frost Certificate of Deposit Account
$0
3.70%
▲ 1.20% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Certificate of Deposit - 90 Day
$1,000
3.70%
▲ 1.20% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details
Balance: $100,000.00 and over
Rate History
1 change since Oct 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Oct 20, 20263.70%▲ from 3.65%
- Oct 14, 20263.65%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
3 Month Certificate of Deposit
$100,000
3.70%
▲ 1.20% above Texas avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.20% above avgNationally 2.12%
Details
Balance: $100,000.00 - $249,999.99; Minimum deposit to open CD is $100,000.00
Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
3 Month Certificate of Deposit CD
$500
3.55%
▲ 1.05% above Texas avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.05% above avgNationally 2.12%
Details
under $100,000; Balance: under $100,000.00
Rate History
No change since Oct 21, 2026 · 3.55% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
90 Day Frost Certificate of Deposit Account
$0
3.35%
▲ 0.85% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.85% above avgNationally 2.12%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 20, 2026 · 3.35% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Certificate of Deposit - 90 Day
$1,000
3.35%
▲ 0.85% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.85% above avgNationally 2.12%
Details
Balance: $1,000.00 - $99,999.99
Rate History
1 change since Oct 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30%
- Oct 20, 20263.35%▲ from 3.30%
- Oct 14, 20263.30%first recorded
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
330 Highway 6, Sugar Land, TX 77478
3 Month Certificates of Deposit
$0
3.00%
▲ 0.50% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.50% above avgNationally 2.12%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
CD - 3 Month
$0
2.94%
▲ 0.44% above Texas avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 0.44% above avgNationally 2.12%
Details
Rate History
No change since Oct 20, 2026 · 2.94% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
3 Month CD
$500
2.00%
▼ 0.50% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.50% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
3 Month Kids Club and Teens CD
$100
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.12%
Details
Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25%
Rate History
No change since Oct 9, 2026 · 1.75% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
3 Month Standard CD
$1,000
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.12%
Details
Rate History
No change since Oct 9, 2026 · 1.75% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
IRA CD 3 months
$1,000
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.12%
Details
IRA CD; tax-advantaged TDECU IRA funds
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 3 months
$100
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.12%
Details
For kids ages 4-12 and teens ages 13-18
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 8 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Standard CD - 3 months
$1,000
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.12%
Details
Standard CDs; 3 to 60 month term range
Rate History
No change since Oct 19, 2026 · 1.75% APY · checked 2 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Certificate Account - 3 Months
$1,000
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.12%
Details
Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 90 days dividends; renewals automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Jumbo Term Certificate - 3 Months
$95,000
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.12%
Details
Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 3 Months
$95,000
1.75%
▼ 0.75% below Texas avg
▼
Rate1.74%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.75% below avgNationally 2.12%
Details
Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 90 days dividends; renewals: Automatic with 10 day grace period
Rate History
1 change since Sep 14, 2026 · 1.25% → 1.75% ▲ 0.50 pts · high 1.75% / low 1.25%
- Oct 1, 20261.75%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
3 Month Short-Term Certificate
$0
1.55%
▼ 0.95% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 0.95% below avgNationally 2.12%
Details
Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
3 Month Short-Term Certificate
$0
1.50%
▼ 1.00% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.12%
Details
Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
3 Month CDS
$0
1.50%
▼ 1.00% below Texas avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▼ 1.00% below avgNationally 2.12%
Details
Balance: $1,000.00 minimum; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1000 Eldridge Rd, Sugar Land, TX 77478
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.44% below Texas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.12%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
90 Day Standard CD Products
$1,000
0.06%
▼ 2.44% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.44% below avgNationally 2.12%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1000 Eldridge Rd, Sugar Land, TX 77478
3 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.45% below Texas avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
4880 Sweetwater Blvd, Sugar Land, TX 77479
3 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.45% below Texas avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 2 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
90 Day Regular CD Account
$0
0.05%
▼ 2.45% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.45% below avgNationally 2.12%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2520 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 2.47% below Texas avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.47% below avgNationally 2.12%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2520 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 2.48% below Texas avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.48% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2520 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 2.49% below Texas avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▼ 2.49% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.08% above Texas avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Texas Average2.50%▲ 2.08% above avgNationally 2.12%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 3, 20264.58%▲ from 4.32%
- Sep 27, 20264.32%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Certificate
$2,500
4.50%
▲ 2.00% above Texas avg
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 2.00% above avgNationally 2.12%
Details
Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%
- Oct 23, 20264.50%▲ from 2.35%
- Oct 13, 20262.35%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Jumbo Certificates of Deposit - 90 Days
$250,000
4.44%
▲ 1.94% above Texas avg
▼
Rate4.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.94% above avgNationally 2.12%
Details
Balance: over $250,000.00; Interest compounded and credited monthly
Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
90 Day Standard CD
$1,000
4.39%
▲ 1.89% above Texas avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average2.50%▲ 1.89% above avgNationally 2.12%
Details
Balance: $1,000.00 - $250,000.00; Minimum Balance to Open: $1,000
Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$0
4.25%
▲ 1.75% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.75% above avgNationally 2.12%
Details
APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026
Rate History
1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 23, 20264.25%▲ from 3.50%
- Sep 25, 20263.50%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates - 3 Months
$250,001
4.23%
▲ 1.73% above Texas avg
▼
Rate4.15%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.73% above avgNationally 2.12%
Details
Minimum Deposit: $250,001
Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates - 3 Months
$100,001
4.18%
▲ 1.68% above Texas avg
▼
Rate4.10%
Min Deposit$100,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.68% above avgNationally 2.12%
Details
Minimum Deposit: $100,001
Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificates - 3 Months
$50,001
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$50,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details
Minimum Deposit: $50,001
Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificate 3 Months
$250,001
4.13%
▲ 1.63% above Texas avg
▼
Rate4.05%
Min Deposit$250,001
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.63% above avgNationally 2.12%
Details
Balance: $250,001 minimum
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Sep 21, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10%
▲ 1.60% above Texas avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
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
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Certificate of Deposit - 3 Months
$1,000
4.10%
▲ 1.60% above Texas avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average2.50%▲ 1.60% above avgNationally 2.12%
Details
Minimum deposit of $1,000 required within 10 business days of account opening
Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 3 Months
$500
4.08%
▲ 1.58% above Texas avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average2.50%▲ 1.58% above avgNationally 2.12%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
Sugar Land 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
6 Month IRA Term Share Certificates
$0
3.95%
▲ 0.71% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.71% above avgNationally 2.79%
Details
Balance: $100,000 and up
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
6 Month Business CD
$5,000
3.90%
▲ 0.66% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.66% above avgNationally 2.79%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 3 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
6 Month IRA Term Share Certificates
$0
3.90%
▲ 0.66% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.66% above avgNationally 2.79%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
800 Bonaventure Way, Sugar Land, TX 77479
6-Month CD
$0
3.88%
▲ 0.64% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 0.64% above avgNationally 2.79%
Details
Balance: $100,000 and above; CD Special Rates, limited time only; effective 8/6/2026
Rate History
No change since Sep 14, 2026 · 3.88% APY · checked 13 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 6 Month to 11 Month
$0
3.87%
▲ 0.63% above Texas avg
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.63% above avgNationally 2.79%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 3.87% APY
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
6 Month IRA Term Share Certificates
$0
3.85%
▲ 0.61% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.61% above avgNationally 2.79%
Details
Balance: $500.00 - $49,999.99
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
6 Month Term Share Certificates
$0
3.85%
▲ 0.61% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.61% above avgNationally 2.79%
Details
Balance: $100,000.00 and up
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
330 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 6 Month
$0
3.85%
▲ 0.61% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.61% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
6 Month Business CD
$5,000
3.80%
▲ 0.56% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.56% above avgNationally 2.79%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 3 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
6 Month Term Share Certificates
$0
3.80%
▲ 0.56% above Texas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.56% above avgNationally 2.79%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
6 Month Certificate of Deposit
$250,000
3.75%
▲ 0.51% above Texas avg
▼
Rate3.70%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.51% above avgNationally 2.79%
Details
Balance: $250,000.00 and over; Annual Percentage Yield is accurate as of 12/15/2025
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
6 Month Share Certificate Accounts - Share
$500
3.75%
▲ 0.51% above Texas avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.51% above avgNationally 2.79%
Details
$500 minimum investment
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
6 Month Term Share Certificates
$0
3.75%
▲ 0.51% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.51% above avgNationally 2.79%
Details
Balance: $500 - $49,999.99
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
6-Month Term CD
$1,000
3.75%
▲ 0.51% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.51% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
Term CD - 6-Month
$1,000
3.75%
▲ 0.51% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.51% above avgNationally 2.79%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
800 Bonaventure Way, Sugar Land, TX 77479
6-Month CD
$0
3.73%
▲ 0.49% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▲ 0.49% above avgNationally 2.79%
Details
Balance: $10,000 - $99,999; CD Special Rates, limited time only; effective 8/6/2026
Rate History
No change since Sep 27, 2026 · 3.73% APY · checked 10 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
6 Month Business CD
$5,000
3.70%
▲ 0.46% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.46% above avgNationally 2.79%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 3 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
6 Month Certificate of Deposit
$100,000
3.65%
▲ 0.41% above Texas avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.41% above avgNationally 2.79%
Details
Balance: $100,000.00 - $249,999.99; Minimum deposit to open CD is $100,000.00
Rate History
No change since Oct 21, 2026 · 3.65% APY · checked 2 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 6 Month (Jumbo)
$0
3.65%
▲ 0.41% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.41% above avgNationally 2.79%
Details
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
IRA Certificate of Deposit - 6 Month
$0
3.65%
▲ 0.41% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.41% above avgNationally 2.79%
Details
Balance: $1,000 and over
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 6 Month
$0
3.61%
▲ 0.37% above Texas avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▲ 0.37% above avgNationally 2.79%
Details
Balance: $1000 - $49,999.99
Rate History
No change since Oct 23, 2026 · 3.61% APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
180 Day Frost Certificate of Deposit Account
$0
3.60%
▲ 0.36% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Certificate of Deposit - 180 Day
$1,000
3.60%
▲ 0.36% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
6 Month Kids Club and Teens CD
$100
3.60%
▲ 0.36% above Texas avg
▼
Rate3.54%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details
Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25%
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
6 Month Standard CD
$1,000
3.60%
▲ 0.36% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
IRA CD 6 months
$1,000
3.60%
▲ 0.36% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details
IRA CD; tax-advantaged TDECU IRA funds
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
- Oct 26, 20263.60%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 6 months
$100
3.60%
▲ 0.36% above Texas avg
▼
Rate3.54%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details
For kids ages 4-12 and teens ages 13-18
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25%
- Sep 18, 20263.60%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Standard CD - 6 months
$1,000
3.60%
▲ 0.36% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details
Standard CDs; 3 to 60 month term range
Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
6 Month Business CD
$5,000
3.60%
▲ 0.36% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.36% above avgNationally 2.79%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 6 Month
$0
3.55%
▲ 0.31% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.31% above avgNationally 2.79%
Details
Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
330 Highway 6, Sugar Land, TX 77478
6 Month Certificates of Deposit
$0
3.50%
▲ 0.26% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.26% above avgNationally 2.79%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
1 change since Sep 24, 2026 · 4.25% → 3.50% ▼ 0.75 pts · high 4.25% / low 3.50%
- Oct 14, 20263.50%▼ from 4.25%
- Sep 24, 20264.25%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Certificate Account - 6 Months
$1,000
3.50%
▲ 0.26% above Texas avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.26% above avgNationally 2.79%
Details
Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 90 days dividends; renewals automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Jumbo Term Certificate - 6 Months
$95,000
3.50%
▲ 0.26% above Texas avg
▼
Rate3.45%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.26% above avgNationally 2.79%
Details
Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 6 Months
$95,000
3.50%
▲ 0.26% above Texas avg
▼
Rate3.45%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.26% above avgNationally 2.79%
Details
Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 90 days dividends; renewals: Automatic with 10 day grace period
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 1, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
6 Month Certificate of Deposit CD
$500
3.49%
▲ 0.25% above Texas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.25% above avgNationally 2.79%
Details
under $100,000; Balance: under $100,000.00
Rate History
No change since Oct 21, 2026 · 3.49% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2353 Town Center Dr, Sugar Land, TX 77478
6 Month 360 CD
$0
3.30%
▲ 0.06% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▲ 0.06% above avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 3.30% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
CD - 6 Month
$0
3.20%
▼ 0.04% below Texas avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.04% below avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
180 Day Frost Certificate of Deposit Account
$0
3.20%
▼ 0.04% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.04% below avgNationally 2.79%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Certificate of Deposit - 180 Day
$1,000
3.20%
▼ 0.04% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.04% below avgNationally 2.79%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 3 times
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7220 Cotesworth Avenue, Sugar Land, TX 77479
6 Month Certificate of Deposit
$1,000
3.15%
▼ 0.09% below Texas avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.09% below avgNationally 2.79%
Details
Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.
Rate History
No change since Oct 22, 2026 · 3.15% APY · checked 2 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
6 Month Certificate
$1,000
3.00%
▼ 0.24% below Texas avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▼ 0.24% below avgNationally 2.79%
Details
Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded: Monthly
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
IRA Certificate - 6 months
$1,000
3.00%
▼ 0.24% below Texas avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.24%▼ 0.24% below avgNationally 2.79%
Details
Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly
Rate History
No change since Sep 21, 2026 · 3.00% APY · checked 7 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
6 Month Business Certificates of Deposit
$100,000
2.60%
▼ 0.64% below Texas avg
▼
Rate2.57%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.64% below avgNationally 2.79%
Details
Jumbo tier
Rate History
No change since Oct 19, 2026 · 2.60% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 6-month Tier Jumbo
$100,000
2.60%
▼ 0.64% below Texas avg
▼
Rate2.57%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.64% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
6 Month Business Certificates of Deposit
$50,000
2.55%
▼ 0.69% below Texas avg
▼
Rate2.52%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.69% below avgNationally 2.79%
Details
Term: 6 Months Tier Mini Jumbo; Mini Jumbo tier
Rate History
No change since Oct 19, 2026 · 2.55% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 6-month Tier Mini Jumbo
$50,000
2.55%
▼ 0.69% below Texas avg
▼
Rate2.52%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.69% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 6 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
6 Month CDS
$0
2.51%
▼ 0.73% below Texas avg
▼
Rate2.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.24%▼ 0.73% below avgNationally 2.79%
Details
Balance: $1,000.00 minimum; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 2.51% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
6 Month Business Certificates of Deposit
$1,000
2.50%
▼ 0.74% below Texas avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.74% below avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 4 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 6-month Tier
$1,000
2.50%
▼ 0.74% below Texas avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.74% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
6 Month CD
$500
2.25%
▼ 0.99% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.24%▼ 0.99% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Sugar Land 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
12 Month Special EasyStart Certificate
$50
4.35%
▲ 0.96% above Texas avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.96% above avgNationally 3.00%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 7 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
330 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 12 Month
$0
4.30%
▲ 0.91% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.91% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 2 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
330 Highway 6, Sugar Land, TX 77478
12 Month Certificates of Deposit
$0
4.25%
▲ 0.86% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.86% above avgNationally 3.00%
Details
FL only; promotional CD offer; 10-day rate guarantee; must open by 11/10/2026; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
1 change since Sep 27, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 27, 20264.00%first recorded
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
12 Months Wealth Builder Certificate
$250
4.25%
▲ 0.86% above Texas avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.86% above avgNationally 3.00%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
1 Year Business CD
$5,000
4.20%
▲ 0.81% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.81% above avgNationally 3.00%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 12 Month to 17 Month
$0
4.17%
▲ 0.78% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.78% above avgNationally 3.00%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.17% APY
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
12 Month IRA Term Share Certificates
$0
4.15%
▲ 0.76% above Texas avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.76% above avgNationally 3.00%
Details
Balance: $100,000 and up
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
12 Month Short-Term Certificate
$0
4.10%
▲ 0.71% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details
Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
1 Year Business CD
$5,000
4.10%
▲ 0.71% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 3 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
12 Month IRA Term Share Certificates
$0
4.10%
▲ 0.71% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.71% above avgNationally 3.00%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
12 Month Short-Term Certificate
$0
4.05%
▲ 0.66% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.66% above avgNationally 3.00%
Details
Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
12 Month Share Certificate Accounts - Share
$500
4.05%
▲ 0.66% above Texas avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.66% above avgNationally 3.00%
Details
$500 minimum investment
Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 9, 20264.05%▲ from 4.00%
- Sep 25, 20264.00%▲ from 3.95%
- Sep 18, 20263.95%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
12 Month IRA Term Share Certificates
$0
4.05%
▲ 0.66% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.66% above avgNationally 3.00%
Details
Balance: $500.00 - $49,999.99
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
12 Month Term Share Certificates
$0
4.05%
▲ 0.66% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.66% above avgNationally 3.00%
Details
Balance: $100,000.00 and up
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2353 Town Center Dr, Sugar Land, TX 77478
1-year online CDs
$0
4.00%
▲ 0.61% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2353 Town Center Dr, Sugar Land, TX 77478
12 Month 360 CD
$0
4.00%
▲ 0.61% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
EasyStart Certificate - 12 Months
$50
4.00%
▲ 0.61% above Texas avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Share, IRA, ESA certificate; penalties apply for early withdrawals; dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Certificate Account - 12 Months
$1,000
4.00%
▲ 0.61% above Texas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 90 days dividends; renewals automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Jumbo Term Certificate - 12 Months
$95,000
4.00%
▲ 0.61% above Texas avg
▼
Rate3.94%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 90 days dividends; Renewals: Automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 12 Months
$95,000
4.00%
▲ 0.61% above Texas avg
▼
Rate3.93%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 90 days dividends; renewals: Automatic with 10 day grace period
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
1 Year Business CD
$5,000
4.00%
▲ 0.61% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
12 Month Term Share Certificates
$0
4.00%
▲ 0.61% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
1-Year Term CD
$1,000
4.00%
▲ 0.61% above Texas avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
Term CD - 1-Year
$1,000
4.00%
▲ 0.61% above Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.61% above avgNationally 3.00%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
12 Month Term Share Certificates
$0
3.95%
▲ 0.56% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.56% above avgNationally 3.00%
Details
Balance: $500 - $49,999.99
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
1 Year Business CD
$5,000
3.90%
▲ 0.51% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.51% above avgNationally 3.00%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 3 times
Plains State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.66%
13885 Southwest Fwy, Sugar Land, TX 77478
12 Month CD
$0
3.82%
▲ 0.43% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.43% above avgNationally 3.00%
Details
Minimum balance to obtain APY is $1,000; APY accurate as of August 28, 2025; penalty may be imposed for early withdrawal; rates may change without notice
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 10 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
12 Month Kids Club and Teens CD
$100
3.75%
▲ 0.36% above Texas avg
▼
Rate3.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.36% above avgNationally 3.00%
Details
Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25%
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
12 Month Standard CD
$1,000
3.75%
▲ 0.36% above Texas avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.36% above avgNationally 3.00%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Certificate of Deposit (CD) - 12 Months
$0
3.75%
▲ 0.36% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.36% above avgNationally 3.00%
Details
APYs as of 9/16/26
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
IRA CD 12 months
$1,000
3.75%
▲ 0.36% above Texas avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.36% above avgNationally 3.00%
Details
IRA CD; tax-advantaged TDECU IRA funds
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 12 months
$100
3.75%
▲ 0.36% above Texas avg
▼
Rate3.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.36% above avgNationally 3.00%
Details
For kids ages 4-12 and teens ages 13-18
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Standard CD - 12 months
$1,000
3.75%
▲ 0.36% above Texas avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.36% above avgNationally 3.00%
Details
Bonus Rate: Base Rate + 0.15% on $50,000.00 - $99,999.99; Base Rate + 0.25% on $100,000.00 and more
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 12 Month (Jumbo)
$0
3.70%
▲ 0.31% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.31% above avgNationally 3.00%
Details
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
IRA Certificate of Deposit - 12 Month
$0
3.70%
▲ 0.31% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.31% above avgNationally 3.00%
Details
Balance: $1,000 and over
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 3 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Promotional Certificate of Deposit - 12 Month Certificate
$1,000
3.65%
▲ 0.26% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.26% above avgNationally 3.00%
Details
Dividends compounded monthly and credited monthly; dividend period monthly
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 3 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 12 Month
$0
3.61%
▲ 0.22% above Texas avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.22% above avgNationally 3.00%
Details
Balance: $100,000 & Over
Rate History
No change since Oct 23, 2026 · 3.61% APY
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
12 Month Business Certificates of Deposit
$100,000
3.60%
▲ 0.21% above Texas avg
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.21% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
12-month IRA
$1,000
3.60%
▲ 0.21% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.21% above avgNationally 3.00%
Details
Individual Retirement Accounts/Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 12-month Tier Jumbo
$100,000
3.60%
▲ 0.21% above Texas avg
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.21% above avgNationally 3.00%
Details
Tier: Jumbo
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
12 Month Smart Growth CD
$0
3.60%
▲ 0.21% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.21% above avgNationally 3.00%
Details
Required Balance to Open & Earn APY: $100 and over
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 12 Month
$0
3.60%
▲ 0.21% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.21% above avgNationally 3.00%
Details
Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Smart Growth Certificate of Deposit - 12 Month CD
$100
3.60%
▲ 0.21% above Texas avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.21% above avgNationally 3.00%
Details
Smart Growth CD; $100 Minimum Opening Deposit; Recurring $50 monthly direct deposit feature (Stay Committed with $50); anytime deposits allowed; APY accurate as of 5/26/2026
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 12 Month
$0
3.56%
▲ 0.17% above Texas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.17% above avgNationally 3.00%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 23, 2026 · 3.56% APY
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
12 Month Business Certificates of Deposit
$50,000
3.55%
▲ 0.16% above Texas avg
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.16% above avgNationally 3.00%
Details
Term: 12 Months Tier Mini Jumbo
Rate History
No change since Oct 19, 2026 · 3.55% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 12-month Tier Mini Jumbo
$50,000
3.55%
▲ 0.16% above Texas avg
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.16% above avgNationally 3.00%
Details
Tier: Mini Jumbo
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
CD - 12 Month
$0
3.51%
▲ 0.12% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.39%▲ 0.12% above avgNationally 3.00%
Details
Rate History
No change since Oct 20, 2026 · 3.51% APY · checked 2 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 12 Month
$0
3.51%
▲ 0.12% above Texas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.12% above avgNationally 3.00%
Details
Balance: $1000 - $49,999.99
Rate History
No change since Oct 23, 2026 · 3.51% APY
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
12 Month Certificate
$1,000
3.50%
▲ 0.11% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.11% above avgNationally 3.00%
Details
Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded: Monthly
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 7 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
IRA Certificate - 12 months
$1,000
3.50%
▲ 0.11% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.39%▲ 0.11% above avgNationally 3.00%
Details
Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 7 times
Sugar Land 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
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 26, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 3 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
330 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 18 Month
$0
4.35%
▲ 1.07% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 1.07% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
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 26, 2026
Texas Average3.28%▲ 0.97% above avgNationally 2.90%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
18 Month Short-Term Certificate
$0
4.15%
▲ 0.87% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details
Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
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 26, 2026
Texas Average3.28%▲ 0.87% above avgNationally 2.90%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
18 Month Short-Term Certificate
$0
4.10%
▲ 0.82% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.82% above avgNationally 2.90%
Details
Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
18 Month Business CD
$5,000
4.05%
▲ 0.77% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.77% above avgNationally 2.90%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 18 Month to 23 Month
$0
4.02%
▲ 0.74% above Texas avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.74% above avgNationally 2.90%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.02% APY
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
18 Month Share Certificate Accounts - Share
$500
3.90%
▲ 0.62% above Texas avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.62% above avgNationally 2.90%
Details
$500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 9, 20263.90%▲ from 3.85%
- Oct 5, 20263.85%▲ from 3.75%
- Sep 25, 20263.75%▲ from 3.70%
- Sep 18, 20263.70%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
18 Month Certificate
$1,000
3.75%
▲ 0.47% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded: Monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
IRA Certificate - 18 months
$1,000
3.75%
▲ 0.47% above Texas avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.47% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
EasyStart Certificate - 18 Months
$50
3.70%
▲ 0.42% above Texas avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.42% above avgNationally 2.90%
Details
Share, IRA, ESA certificate; penalties apply for early withdrawals; dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Promotional Certificate of Deposit - 18 Month Certificate
$1,000
3.65%
▲ 0.37% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▲ 0.37% above avgNationally 2.90%
Details
Dividends compounded monthly and credited monthly; dividend period monthly
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 3 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
18 Month Kids Club and Teens CD
$100
3.65%
▲ 0.37% above Texas avg
▼
Rate3.59%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.37% above avgNationally 2.90%
Details
Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25%
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
18 Month Standard CD
$1,000
3.65%
▲ 0.37% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.37% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Certificate of Deposit (CD) - 18 Months
$0
3.65%
▲ 0.37% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.37% above avgNationally 2.90%
Details
APYs as of 9/16/26
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
IRA CD 18 months
$1,000
3.65%
▲ 0.37% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.37% above avgNationally 2.90%
Details
IRA CD; tax-advantaged TDECU IRA funds
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 26, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 18 months
$100
3.65%
▲ 0.37% above Texas avg
▼
Rate3.59%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.37% above avgNationally 2.90%
Details
For kids ages 4-12 and teens ages 13-18
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Standard CD - 18 months
$1,000
3.65%
▲ 0.37% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.37% above avgNationally 2.90%
Details
Standard CDs; 3 to 60 month term range
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 2 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 18 Month (Jumbo)
$0
3.65%
▲ 0.37% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.37% above avgNationally 2.90%
Details
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
IRA Certificate of Deposit - 18 Month
$0
3.65%
▲ 0.37% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.37% above avgNationally 2.90%
Details
Balance: $1,000 and over
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2353 Town Center Dr, Sugar Land, TX 77478
18 Month 360 CD
$0
3.60%
▲ 0.32% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.32% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 18 Month
$0
3.55%
▲ 0.27% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.27% above avgNationally 2.90%
Details
Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
CD - 18 Month
$0
3.46%
▲ 0.18% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▲ 0.18% above avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 3.46% APY · checked 2 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 18 Month
$0
2.96%
▼ 0.32% below Texas avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▼ 0.32% below avgNationally 2.90%
Details
Balance: $100,000 & Over
Rate History
No change since Oct 23, 2026 · 2.96% APY
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 18 Month
$0
2.91%
▼ 0.37% below Texas avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▼ 0.37% below avgNationally 2.90%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 23, 2026 · 2.91% APY
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 18 Month
$0
2.86%
▼ 0.42% below Texas avg
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▼ 0.42% below avgNationally 2.90%
Details
Balance: $1000 - $49,999.99
Rate History
No change since Oct 23, 2026 · 2.86% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
18-Month Term CD
$1,000
2.75%
▼ 0.53% below Texas avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.53% below avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
Term CD - 18-Month
$1,000
2.75%
▼ 0.53% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.53% below avgNationally 2.90%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
18 Month CDS
$0
2.67%
▼ 0.61% below Texas avg
▼
Rate2.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▼ 0.61% below avgNationally 2.90%
Details
Balance: $1,000.00 minimum; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 2.67% APY · checked 3 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
IRAS - 18 Months
$0
2.67%
▼ 0.61% below Texas avg
▼
Rate2.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.28%▼ 0.61% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 2.67% APY · checked 3 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
18 Month Certificate of Deposit
$250,000
2.52%
▼ 0.76% below Texas avg
▼
Rate2.50%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.76% below avgNationally 2.90%
Details
Balance: $250,000.00 and over; Annual Percentage Yield is accurate as of 12/15/2025
Rate History
No change since Oct 21, 2026 · 2.52% APY · checked 2 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
330 Highway 6, Sugar Land, TX 77478
18 Month Certificates of Deposit
$0
2.50%
▼ 0.78% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 0.78% below avgNationally 2.90%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
18 Month Certificate of Deposit
$100,000
2.27%
▼ 1.01% below Texas avg
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.01% below avgNationally 2.90%
Details
Balance: $100,000.00 - $249,999.99; Minimum deposit to open CD is $100,000.00
Rate History
No change since Oct 21, 2026 · 2.27% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
18 Month Certificate of Deposit CD
$500
2.02%
▼ 1.26% below Texas avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.26% below avgNationally 2.90%
Details
under $100,000; Balance: under $100,000.00
Rate History
No change since Oct 21, 2026 · 2.02% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificate - 18 Months
$0
2.01%
▼ 1.27% below Texas avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.27% below avgNationally 2.90%
Details
Balance: under $100,000
Rate History
No change since Oct 21, 2026 · 2.01% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
18 Month Standard CD Products
$1,000
1.50%
▼ 1.78% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
IRA CD - 18 Months
$1,000
1.50%
▼ 1.78% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 1.78% below avgNationally 2.90%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
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 26, 2026
Texas Average3.28%▼ 2.38% below avgNationally 2.90%
Details
Frost IRA CD comparison table; Variable IRA; Frost APY effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 0.90% APY · checked 3 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Certificate of Deposit - 18 Months (Jumbo)
$250,000
0.25%
▼ 3.03% below Texas avg
▼
Rate0.25%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▼ 3.03% below avgNationally 2.90%
Details
Jumbo
Rate History
No change since Oct 15, 2026 · 0.25% APY · checked 2 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Certificate of Deposit - 18 Months
$1,000
0.20%
▼ 3.08% below Texas avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.28%▼ 3.08% below avgNationally 2.90%
Details
Rate History
No change since Oct 15, 2026 · 0.20% APY · checked 2 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
4880 Sweetwater Blvd, Sugar Land, TX 77479
18 Month Personal Certificate of Deposit
$0
0.05%
▼ 3.23% below Texas avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.23% below avgNationally 2.90%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2520 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 3.25% below Texas avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.25% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2520 Highway 6, Sugar Land, TX 77478
IRA CD 18 Months
$250
0.03%
▼ 3.25% below Texas avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.25% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2520 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 3.26% below Texas avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.26% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2520 Highway 6, Sugar Land, TX 77478
IRA CD 18 Months
$250
0.02%
▼ 3.26% below Texas avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.26% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
18 Month Certificate of Deposit
$500
0.02%
▼ 3.26% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.26% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 8 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2520 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 3.27% below Texas avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.27% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2520 Highway 6, Sugar Land, TX 77478
IRA CD 18 Months
$250
0.01%
▼ 3.27% below Texas avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.28%▼ 3.27% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 3 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 23, 2026
Texas Average3.28%▲ 1.37% above avgNationally 2.90%
Details
Effective Date: October 8, 2026
Rate History
No change since Oct 15, 2026 · 4.65% APY · checked 2 times
Sugar Land 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
330 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 24 Month
$0
4.40%
▲ 1.18% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 1.18% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.40% APY · checked 2 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
2 Year Business CD
$5,000
4.15%
▲ 0.93% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.93% above avgNationally 2.90%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 24 Month to 29 Month
$0
4.07%
▲ 0.85% above Texas avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.85% above avgNationally 2.90%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.07% APY
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
24 Month IRA Term Share Certificates
$0
4.05%
▲ 0.83% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.83% above avgNationally 2.90%
Details
Balance: $100,000 and up
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
24 Month IRA Term Share Certificates
$0
4.00%
▲ 0.78% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.78% above avgNationally 2.90%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
24 Month Share Certificate Accounts - Share
$500
3.95%
▲ 0.73% above Texas avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.90%
Details
$500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 9, 20263.95%▲ from 3.90%
- Oct 5, 20263.90%▲ from 3.80%
- Sep 25, 20263.80%▲ from 3.75%
- Sep 18, 20263.75%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
24 Month IRA Term Share Certificates
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.90%
Details
Balance: $500.00 - $49,999.99
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
24 Month Term Share Certificates
$0
3.95%
▲ 0.73% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.73% above avgNationally 2.90%
Details
Balance: $100,000.00 and up
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
24 Month Term Share Certificates
$0
3.90%
▲ 0.68% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.68% above avgNationally 2.90%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Certificate Account - 24 Months
$1,000
3.85%
▲ 0.63% above Texas avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.90%
Details
Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 180 days dividends; renewals automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Jumbo Term Certificate - 24 Months
$95,000
3.85%
▲ 0.63% above Texas avg
▼
Rate3.80%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.90%
Details
Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 24 Months
$95,000
3.85%
▲ 0.63% above Texas avg
▼
Rate3.78%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.90%
Details
Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 180 days dividends; renewals: Automatic with 10 day grace period
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 1, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
24 Month Term Share Certificates
$0
3.85%
▲ 0.63% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.63% above avgNationally 2.90%
Details
Balance: $500 - $49,999.99
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
24 Month Short-Term Certificate
$0
3.70%
▲ 0.48% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details
Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
24 Month Business Certificates of Deposit
$100,000
3.70%
▲ 0.48% above Texas avg
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.70% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
24-month IRA
$0
3.70%
▲ 0.48% above Texas avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details
Individual Retirement Accounts/Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 24-month Tier Jumbo
$100,000
3.70%
▲ 0.48% above Texas avg
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.48% above avgNationally 2.90%
Details
Tier: Jumbo
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
24 Month Short-Term Certificate
$0
3.66%
▲ 0.44% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.44% above avgNationally 2.90%
Details
Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY · checked 2 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
24 Month Business Certificates of Deposit
$50,000
3.65%
▲ 0.43% above Texas avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.43% above avgNationally 2.90%
Details
Term: 24 Months Tier Mini Jumbo
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 24-month Tier Mini Jumbo
$50,000
3.65%
▲ 0.43% above Texas avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.43% above avgNationally 2.90%
Details
Tier: Mini Jumbo
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
EasyStart Certificate - 24 Months
$50
3.60%
▲ 0.38% above Texas avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details
Share, IRA, ESA certificate; penalties apply for early withdrawals; dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
24 Month Certificate
$1,000
3.60%
▲ 0.38% above Texas avg
▼
Rate3.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded: Monthly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
IRA Certificate - 24 months
$1,000
3.60%
▲ 0.38% above Texas avg
▼
Rate3.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly
Rate History
No change since Sep 21, 2026 · 3.60% APY · checked 7 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
24 Month Business Certificates of Deposit
$1,000
3.60%
▲ 0.38% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 4 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 24-month Tier
$1,000
3.60%
▲ 0.38% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 24 Month (Jumbo)
$0
3.60%
▲ 0.38% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
IRA Certificate of Deposit - 24 Month
$0
3.60%
▲ 0.38% above Texas avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.38% above avgNationally 2.90%
Details
Balance: $1,000 and over
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2353 Town Center Dr, Sugar Land, TX 77478
24 Month 360 CD
$0
3.50%
▲ 0.28% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 24 Month
$0
3.50%
▲ 0.28% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.28% above avgNationally 2.90%
Details
Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
24 Month Kids Club and Teens CD
$100
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.90%
Details
Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25%
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
24 Month Standard CD
$1,000
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
IRA CD 24 months
$1,000
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.90%
Details
IRA CD; tax-advantaged TDECU IRA funds
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Oct 26, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 24 months
$100
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.90%
Details
For kids ages 4-12 and teens ages 13-18
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Sep 18, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Standard CD - 24 months
$1,000
3.45%
▲ 0.23% above Texas avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.23% above avgNationally 2.90%
Details
Standard CDs; 3 to 60 month term range
Rate History
No change since Oct 19, 2026 · 3.45% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
CD - 24 Month
$0
3.41%
▲ 0.19% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▲ 0.19% above avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 2 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Promotional Certificate of Deposit - 24 Month Certificate
$1,000
3.25%
▲ 0.03% above Texas avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▲ 0.03% above avgNationally 2.90%
Details
Dividends compounded monthly and credited monthly; dividend period monthly
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 3 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
24 Month Frost Certificate of Deposit Account
$0
3.10%
▼ 0.12% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Certificate of Deposit - 24 Month
$1,000
3.10%
▼ 0.12% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.12% below avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 3 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 24 Month
$0
2.99%
▼ 0.23% below Texas avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▼ 0.23% below avgNationally 2.90%
Details
Balance: $100,000 & Over
Rate History
No change since Oct 23, 2026 · 2.99% APY
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 24 Month
$0
2.94%
▼ 0.28% below Texas avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▼ 0.28% below avgNationally 2.90%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 23, 2026 · 2.94% APY
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 24 Month
$0
2.89%
▼ 0.33% below Texas avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.22%▼ 0.33% below avgNationally 2.90%
Details
Balance: $1000 - $49,999.99
Rate History
No change since Oct 23, 2026 · 2.89% APY
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
24 Month CDS
$0
2.68%
▼ 0.54% below Texas avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▼ 0.54% below avgNationally 2.90%
Details
Balance: $1,000.00 minimum; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
IRAS - 24 Months
$0
2.68%
▼ 0.54% below Texas avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.22%▼ 0.54% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
24 Month Frost Certificate of Deposit Account
$0
2.60%
▼ 0.62% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 20, 2026 · 2.60% APY · checked 2 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Certificate of Deposit - 24 Month
$1,000
2.60%
▼ 0.62% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 3 times
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
IRA CDs - 24 Month Fixed IRA
$0
2.60%
▼ 0.62% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.62% below avgNationally 2.90%
Details
Frost IRA CD comparison table; Frost APY effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
330 Highway 6, Sugar Land, TX 77478
24 Month Certificates of Deposit
$0
2.50%
▼ 0.72% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.72% below avgNationally 2.90%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
2 Year CD
$500
2.25%
▼ 0.97% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.97% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
IRA 2 Year Certificate
$500
2.25%
▼ 0.97% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 0.97% below avgNationally 2.90%
Details
Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
2 Year Standard CD Products
$1,000
1.50%
▼ 1.72% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.22%▼ 1.72% below avgNationally 2.90%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
Sugar Land 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
3 Year Business CD
$5,000
4.50%
▲ 1.38% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.38% above avgNationally 2.81%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 36 Month to 47 Month
$0
4.17%
▲ 1.05% above Texas avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 1.05% above avgNationally 2.81%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.17% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
3 Year Long-Term Certificate (Share, IRA, ESA)
$0
4.15%
▲ 1.03% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 1.03% above avgNationally 2.81%
Details
Minimum balance tier: $100K Minimum APY
Rate History
No change since Oct 26, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
3 Year Long-Term Certificate (Share, IRA, ESA)
$0
4.10%
▲ 0.98% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.98% above avgNationally 2.81%
Details
Minimum balance tier: $1K Minimum APY
Rate History
No change since Oct 26, 2026 · 4.10% APY
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
36 Month IRA Term Share Certificates
$0
4.10%
▲ 0.98% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.98% above avgNationally 2.81%
Details
Balance: $100,000 and up
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
36 Month Share Certificate Accounts - Share
$500
4.05%
▲ 0.93% above Texas avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.93% above avgNationally 2.81%
Details
$500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Oct 9, 20264.05%▲ from 4.00%
- Oct 5, 20264.00%▲ from 3.90%
- Sep 25, 20263.90%▲ from 3.85%
- Sep 18, 20263.85%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
36 Month IRA Term Share Certificates
$0
4.05%
▲ 0.93% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.93% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
36 Month IRA Term Share Certificates
$0
4.00%
▲ 0.88% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.88% above avgNationally 2.81%
Details
Balance: $500.00 - $49,999.99
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
36 Month Term Share Certificates
$0
4.00%
▲ 0.88% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.88% above avgNationally 2.81%
Details
Balance: $100,000.00 and up
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
36 Month Term Share Certificates
$0
3.95%
▲ 0.83% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.83% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
36 Month Term Share Certificates
$0
3.90%
▲ 0.78% above Texas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.78% above avgNationally 2.81%
Details
Balance: $500 - $49,999.99
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 36-month Tier Mini Jumbo
$50,000
3.85%
▲ 0.73% above Texas avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.73% above avgNationally 2.81%
Details
Tier: Mini Jumbo
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Certificate Account - 36 Months
$1,000
3.75%
▲ 0.63% above Texas avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 180 days dividends; renewals automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Jumbo Term Certificate - 36 Months
$95,000
3.75%
▲ 0.63% above Texas avg
▼
Rate3.70%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 36 Months
$95,000
3.75%
▲ 0.63% above Texas avg
▼
Rate3.69%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 180 days dividends; renewals: Automatic with 10 day grace period
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 1, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
36-month IRA
$0
3.75%
▲ 0.63% above Texas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Individual Retirement Accounts/Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 36-month Tier Jumbo
$100,000
3.75%
▲ 0.63% above Texas avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Tier: Jumbo
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 36-month Tier
$1,000
3.65%
▲ 0.53% above Texas avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.53% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 36 Month (Jumbo)
$0
3.65%
▲ 0.53% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.53% above avgNationally 2.81%
Details
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
IRA Certificate of Deposit - 36 Month
$0
3.65%
▲ 0.53% above Texas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.53% above avgNationally 2.81%
Details
Balance: $1,000 and over
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
36 Month Kids Club and Teens CD
$100
3.60%
▲ 0.48% above Texas avg
▼
Rate3.54%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.48% above avgNationally 2.81%
Details
Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25%
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
36 Month Standard CD
$1,000
3.60%
▲ 0.48% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.48% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
IRA CD 36 months
$1,000
3.60%
▲ 0.48% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.48% above avgNationally 2.81%
Details
IRA CD; tax-advantaged TDECU IRA funds
Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
- Oct 26, 20263.60%▲ from 2.30%
- Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 36 months
$100
3.60%
▲ 0.48% above Texas avg
▼
Rate3.54%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.48% above avgNationally 2.81%
Details
For kids ages 4-12 and teens ages 13-18
Rate History
1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30%
- Sep 18, 20263.60%▲ from 2.30%
- Sep 14, 20262.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Standard CD - 36 months
$1,000
3.60%
▲ 0.48% above Texas avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.48% above avgNationally 2.81%
Details
Standard CDs; 3 to 60 month term range
Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 2 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 36 Month
$0
3.55%
▲ 0.43% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.43% above avgNationally 2.81%
Details
Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2353 Town Center Dr, Sugar Land, TX 77478
36 Month 360 CD
$0
3.50%
▲ 0.38% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
36 Month Certificate
$1,000
3.50%
▲ 0.38% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.38% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded: Monthly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
IRA Certificate - 36 months
$1,000
3.50%
▲ 0.38% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▲ 0.38% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded Credited: Monthly
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 7 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
330 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 36 Month
$0
3.50%
▲ 0.38% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
CD - 36 Month
$0
3.41%
▲ 0.29% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▲ 0.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 2 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 36 Month
$0
3.04%
▼ 0.08% below Texas avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 0.08% below avgNationally 2.81%
Details
Balance: $100,000 & Over
Rate History
No change since Oct 23, 2026 · 3.04% APY
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 36 Month
$0
2.99%
▼ 0.13% below Texas avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 0.13% below avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 23, 2026 · 2.99% APY
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 36 Month
$0
2.94%
▼ 0.18% below Texas avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 0.18% below avgNationally 2.81%
Details
Balance: $1000 - $49,999.99
Rate History
No change since Oct 23, 2026 · 2.94% APY
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
36 Month CDS
$0
2.68%
▼ 0.44% below Texas avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▼ 0.44% below avgNationally 2.81%
Details
Balance: $1,000.00 minimum; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
IRAS - 36 Months
$0
2.68%
▼ 0.44% below Texas avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.12%▼ 0.44% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
330 Highway 6, Sugar Land, TX 77478
36 Month Certificates of Deposit
$0
2.50%
▼ 0.62% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 0.62% below avgNationally 2.81%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
3 Year Standard CD Products
$1,000
1.50%
▼ 1.62% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
IRA CD - 3 Years
$1,000
1.50%
▼ 1.62% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.62% below avgNationally 2.81%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
3 Year CD
$500
1.40%
▼ 1.72% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.72% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
IRA 3 Year Certificate
$500
1.40%
▼ 1.72% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 1.72% below avgNationally 2.81%
Details
Rate History
No change since Sep 27, 2026 · 1.40% APY · checked 3 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
36 Month Certificate of Deposit
$250,000
1.10%
▼ 2.02% below Texas avg
▼
Rate1.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.02% below avgNationally 2.81%
Details
Balance: $250,000.00 and over; Annual Percentage Yield is accurate as of 12/15/2025
Rate History
No change since Oct 21, 2026 · 1.10% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
36 Month Certificate of Deposit
$100,000
0.85%
▼ 2.27% below Texas avg
▼
Rate0.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.27% below avgNationally 2.81%
Details
Balance: $100,000.00 - $249,999.99; Minimum deposit to open CD is $100,000.00
Rate History
No change since Oct 21, 2026 · 0.85% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
36 Month Certificate of Deposit CD
$500
0.60%
▼ 2.52% below Texas avg
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.52% below avgNationally 2.81%
Details
under $100,000; Balance: under $100,000.00
Rate History
No change since Oct 21, 2026 · 0.60% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
IRA Certificate - 36 Months
$0
0.60%
▼ 2.52% below Texas avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.52% below avgNationally 2.81%
Details
Balance: under $100,000
Rate History
No change since Oct 21, 2026 · 0.60% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
3-Year Jumbo CD
$100,000
0.40%
▼ 2.72% below Texas avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.72% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
3-Year Term CD
$1,000
0.40%
▼ 2.72% below Texas avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.72% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
Term CD - 3-Year
$1,000
0.40%
▼ 2.72% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.12%▼ 2.72% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Certificate of Deposit - 36 Months (Jumbo)
$250,000
0.35%
▼ 2.77% below Texas avg
▼
Rate0.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 2.77% below avgNationally 2.81%
Details
Jumbo
Rate History
No change since Oct 15, 2026 · 0.35% APY · checked 2 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Certificate of Deposit - 36 Months
$1,000
0.30%
▼ 2.82% below Texas avg
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.12%▼ 2.82% below avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 0.30% APY · checked 2 times
Sugar Land 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
4 Year Business CD
$5,000
4.60%
▲ 1.57% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.57% above avgNationally 2.80%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
4 Year Business CD
$5,000
4.50%
▲ 1.47% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.47% above avgNationally 2.80%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
4 Year Business CD
$5,000
4.40%
▲ 1.37% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.37% above avgNationally 2.80%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
4 Year Business CD
$5,000
4.30%
▲ 1.27% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.27% above avgNationally 2.80%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 48 Month to 59 Month
$0
4.22%
▲ 1.19% above Texas avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.19% above avgNationally 2.80%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.22% APY
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
48 Month IRA Term Share Certificates
$0
4.15%
▲ 1.12% above Texas avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.12% above avgNationally 2.80%
Details
Balance: $100,000 and up
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
48 Month Share Certificate Accounts - Share
$500
4.10%
▲ 1.07% above Texas avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details
$500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 9, 20264.10%▲ from 4.05%
- Oct 5, 20264.05%▲ from 3.95%
- Sep 25, 20263.95%▲ from 3.90%
- Sep 18, 20263.90%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
48 Month IRA Term Share Certificates
$0
4.10%
▲ 1.07% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.07% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
48 Month IRA Term Share Certificates
$0
4.05%
▲ 1.02% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details
Balance: $500.00 - $49,999.99
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
48 Month Term Share Certificates
$0
4.05%
▲ 1.02% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 1.02% above avgNationally 2.80%
Details
Balance: $100,000.00 and up
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
48 Month Term Share Certificates
$0
4.00%
▲ 0.97% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.97% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
48 Month Term Share Certificates
$0
3.95%
▲ 0.92% above Texas avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.92% above avgNationally 2.80%
Details
Balance: $500 - $49,999.99
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
48-month IRA
$0
3.80%
▲ 0.77% above Texas avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.77% above avgNationally 2.80%
Details
Individual Retirement Accounts/Certificates of Deposit
Rate History
1 change since Sep 14, 2026 · 3.85% → 3.80% ▼ 0.05 pts · high 3.85% / low 3.80%
- Oct 10, 20263.80%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 48-month Tier Jumbo
$100,000
3.80%
▲ 0.77% above Texas avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.77% above avgNationally 2.80%
Details
Tier: Jumbo
Rate History
1 change since Sep 14, 2026 · 3.85% → 3.80% ▼ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.80%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 48-month Tier Mini Jumbo
$50,000
3.75%
▲ 0.72% above Texas avg
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.72% above avgNationally 2.80%
Details
Tier: Mini Jumbo
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.75% ▼ 0.05 pts · high 3.80% / low 3.75%
- Oct 14, 20263.75%▼ from 3.80%
- Sep 14, 20263.80%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
48 Month Kids Club and Teens CD
$100
3.70%
▲ 0.67% above Texas avg
▼
Rate3.64%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.67% above avgNationally 2.80%
Details
Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25%
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
48 Month Standard CD
$1,000
3.70%
▲ 0.67% above Texas avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.67% above avgNationally 2.80%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
IRA CD 48 months
$1,000
3.70%
▲ 0.67% above Texas avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.67% above avgNationally 2.80%
Details
IRA CD; tax-advantaged TDECU IRA funds
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
- Oct 26, 20263.70%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 48 months
$100
3.70%
▲ 0.67% above Texas avg
▼
Rate3.64%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.67% above avgNationally 2.80%
Details
For kids ages 4-12 and teens ages 13-18
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35%
- Sep 18, 20263.70%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Standard CD - 48 months
$1,000
3.70%
▲ 0.67% above Texas avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.67% above avgNationally 2.80%
Details
Standard CDs; 3 to 60 month term range
Rate History
No change since Oct 19, 2026 · 3.70% APY · checked 2 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 48-month Tier
$1,000
3.70%
▲ 0.67% above Texas avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.67% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.70% ▼ 0.05 pts · high 3.75% / low 3.70%
- Oct 14, 20263.70%▼ from 3.75%
- Sep 14, 20263.75%first recorded
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Certificate Account - 48 Months
$1,000
3.65%
▲ 0.62% above Texas avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.62% above avgNationally 2.80%
Details
Dividends compounded quarterly; dividends credited quarterly; additional deposits at maturity only; early withdrawal penalty: up to 180 days dividends; renewals automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
IRA Jumbo Term Certificate - 48 Months
$95,000
3.65%
▲ 0.62% above Texas avg
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.62% above avgNationally 2.80%
Details
Available as both Traditional and Roth; Dividends compounded quarterly, credited quarterly; Early withdrawal penalty: Up to 180 days dividends; Renewals: Automatic with 10 day grace period
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 3 times
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Jumbo Certificate Account - 48 Months
$95,000
3.65%
▲ 0.62% above Texas avg
▼
Rate3.59%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.62% above avgNationally 2.80%
Details
Dividends compounded Monthly; dividends credited Monthly; early withdrawal penalty: Up to 180 days dividends; renewals: Automatic with 10 day grace period
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.65% ▲ 0.65 pts · high 3.65% / low 3.00%
- Oct 1, 20263.65%▲ from 3.00%
- Sep 14, 20263.00%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 48 Month (Jumbo)
$0
3.55%
▲ 0.52% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.52% above avgNationally 2.80%
Details
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
IRA Certificate of Deposit - 48 Month
$0
3.55%
▲ 0.52% above Texas avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.52% above avgNationally 2.80%
Details
Balance: $1,000 and over
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2353 Town Center Dr, Sugar Land, TX 77478
48 Month 360 CD
$0
3.50%
▲ 0.47% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.47% above avgNationally 2.80%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
48 Month Certificate
$1,000
3.50%
▲ 0.47% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.47% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded: Monthly; Source shows dividend rate as printed "3.44.%"
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 7 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
Certificate 48 months
$1,000
3.50%
▲ 0.47% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.47% above avgNationally 2.80%
Details
Rate printed as "3.44.%" on source; Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 8 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
IRA Certificate - 48 months
$1,000
3.50%
▲ 0.47% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▲ 0.47% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly; Dividend rate printed as '3.44.%' on source page
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 7 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 48 Month
$0
3.45%
▲ 0.42% above Texas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.42% above avgNationally 2.80%
Details
Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
CD - 48 Month
$0
3.41%
▲ 0.38% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▲ 0.38% above avgNationally 2.80%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
330 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 48 Month
$0
2.75%
▼ 0.28% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.28% below avgNationally 2.80%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
48 Month CDS
$0
2.68%
▼ 0.35% below Texas avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▼ 0.35% below avgNationally 2.80%
Details
Balance: $1,000.00 minimum; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
IRAS - 48 Months
$0
2.68%
▼ 0.35% below Texas avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.03%▼ 0.35% below avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
330 Highway 6, Sugar Land, TX 77478
48 Month Certificates of Deposit
$0
2.50%
▼ 0.53% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 0.53% below avgNationally 2.80%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 48 Month
$0
2.43%
▼ 0.60% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 0.60% below avgNationally 2.80%
Details
Balance: $100,000 & Over
Rate History
No change since Oct 23, 2026 · 2.43% APY
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 48 Month
$0
2.38%
▼ 0.65% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 0.65% below avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 23, 2026 · 2.38% APY
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 48 Month
$0
2.32%
▼ 0.71% below Texas avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 0.71% below avgNationally 2.80%
Details
Balance: $1000 - $49,999.99
Rate History
No change since Oct 23, 2026 · 2.32% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
4 Year Standard CD Products
$1,000
1.50%
▼ 1.53% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.53% below avgNationally 2.80%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
IRA CD - 4 Years
$1,000
1.50%
▼ 1.53% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.53% below avgNationally 2.80%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
4 Year CD
$500
1.15%
▼ 1.88% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.88% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
IRA 4 Year Certificate
$500
1.15%
▼ 1.88% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.88% below avgNationally 2.80%
Details
Rate History
No change since Sep 27, 2026 · 1.15% APY · checked 3 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
48 Month Certificate of Deposit
$250,000
1.10%
▼ 1.93% below Texas avg
▼
Rate1.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 1.93% below avgNationally 2.80%
Details
Balance: $250,000.00 and over; Annual Percentage Yield is accurate as of 12/15/2025
Rate History
No change since Oct 21, 2026 · 1.10% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
48 Month Certificate of Deposit
$100,000
0.85%
▼ 2.18% below Texas avg
▼
Rate0.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.18% below avgNationally 2.80%
Details
Balance: $100,000.00 - $249,999.99; Minimum deposit to open CD is $100,000.00
Rate History
No change since Oct 21, 2026 · 0.85% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
48 Month Certificate of Deposit CD
$500
0.60%
▼ 2.43% below Texas avg
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.43% below avgNationally 2.80%
Details
under $100,000; Balance: under $100,000.00
Rate History
No change since Oct 21, 2026 · 0.60% APY · checked 2 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Certificate of Deposit - 48 Months (Jumbo)
$250,000
0.55%
▼ 2.48% below Texas avg
▼
Rate0.55%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 2.48% below avgNationally 2.80%
Details
Jumbo
Rate History
No change since Oct 15, 2026 · 0.55% APY · checked 2 times
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Certificate of Deposit - 48 Months
$1,000
0.50%
▼ 2.53% below Texas avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.03%▼ 2.53% below avgNationally 2.80%
Details
Rate History
No change since Oct 15, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
4-Year Jumbo CD
$100,000
0.50%
▼ 2.53% below Texas avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.53% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
4-Year Term CD
$1,000
0.50%
▼ 2.53% below Texas avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.03%▼ 2.53% below avgNationally 2.80%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
Sugar Land 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
5 Year Business CD
$5,000
4.70%
▲ 1.63% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.63% above avgNationally 2.91%
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.70% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
5 Year Business CD
$5,000
4.60%
▲ 1.53% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.53% above avgNationally 2.91%
Details
Balance: $250,000.00 - $999,999.99
Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
5 Year Business CD
$5,000
4.50%
▲ 1.43% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.43% above avgNationally 2.91%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
5 Year Business CD
$5,000
4.40%
▲ 1.33% above Texas avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.33% above avgNationally 2.91%
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 3 times
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA & Jumbo Share Certificate - 60 Month
$0
4.32%
▲ 1.25% above Texas avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.25% above avgNationally 2.91%
Details
Share Certificate Accounts - IRA & Jumbo
Rate History
No change since Oct 23, 2026 · 4.32% APY
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
60 Month Share Certificate Accounts - Share
$500
4.20%
▲ 1.13% above Texas avg
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details
$500 minimum investment
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 9, 20264.20%▲ from 4.15%
- Oct 5, 20264.15%▲ from 4.05%
- Sep 25, 20264.05%▲ from 4.00%
- Sep 18, 20264.00%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
60 Month IRA Term Share Certificates
$0
4.20%
▲ 1.13% above Texas avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.13% above avgNationally 2.91%
Details
Balance: $100,000 and up
Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
60 Month IRA Term Share Certificates
$0
4.15%
▲ 1.08% above Texas avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.08% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
60 Month IRA Term Share Certificates
$0
4.10%
▲ 1.03% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.03% above avgNationally 2.91%
Details
Balance: $500.00 - $49,999.99
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
60 Month Term Share Certificates
$0
4.10%
▲ 1.03% above Texas avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 1.03% above avgNationally 2.91%
Details
Balance: $100,000.00 and up
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
60 Month Term Share Certificates
$0
4.05%
▲ 0.98% above Texas avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.98% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
60 Month Term Share Certificates
$0
4.00%
▲ 0.93% above Texas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.93% above avgNationally 2.91%
Details
Balance: $500 - $49,999.99
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
60 Month Kids Club and Teens CD
$100
3.95%
▲ 0.88% above Texas avg
▼
Rate3.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.88% above avgNationally 2.91%
Details
Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25%
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
60 Month Standard CD
$1,000
3.95%
▲ 0.88% above Texas avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.88% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Certificate of Deposit (CD) - 60 Months
$0
3.95%
▲ 0.88% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.88% above avgNationally 2.91%
Details
APYs as of 9/16/26
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 4 times
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
IRA CD 60 months
$1,000
3.95%
▲ 0.88% above Texas avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.88% above avgNationally 2.91%
Details
IRA CD; tax-advantaged TDECU IRA funds
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Oct 26, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Kids Club and Teens CDs - 60 months
$100
3.95%
▲ 0.88% above Texas avg
▼
Rate3.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.88% above avgNationally 2.91%
Details
For kids ages 4-12 and teens ages 13-18
Rate History
1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40%
- Sep 18, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Standard CD - 60 months
$1,000
3.95%
▲ 0.88% above Texas avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.88% above avgNationally 2.91%
Details
Standard CDs; 3 to 60 month term range
Rate History
No change since Oct 19, 2026 · 3.95% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
5 Year Long-Term Certificate (Share, IRA, ESA)
$0
3.90%
▲ 0.83% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.83% above avgNationally 2.91%
Details
Minimum balance tier: $100K Minimum APY
Rate History
No change since Oct 26, 2026 · 3.90% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
5 Year Long-Term Certificate (Share, IRA, ESA)
$0
3.85%
▲ 0.78% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.78% above avgNationally 2.91%
Details
Minimum balance tier: $1K Minimum APY
Rate History
No change since Oct 26, 2026 · 3.85% APY
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
60 Month Business Certificates of Deposit
$100,000
3.85%
▲ 0.78% above Texas avg
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.78% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
60-month IRA Special
$0
3.85%
▲ 0.78% above Texas avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.78% above avgNationally 2.91%
Details
Individual Retirement Accounts/Certificates of Deposit
Rate History
1 change since Sep 14, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20263.85%▼ from 4.10%
- Sep 14, 20264.10%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 60-month Tier Jumbo
$100,000
3.85%
▲ 0.78% above Texas avg
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.78% above avgNationally 2.91%
Details
Tier: Jumbo
Rate History
1 change since Sep 14, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85%
- Oct 14, 20263.85%▼ from 4.10%
- Sep 14, 20264.10%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
60 Month Business Certificates of Deposit
$50,000
3.80%
▲ 0.73% above Texas avg
▼
Rate3.73%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.73% above avgNationally 2.91%
Details
Term: 60 Months Tier Mini Jumbo
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 60-month Tier Mini Jumbo
$50,000
3.80%
▲ 0.73% above Texas avg
▼
Rate3.73%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.73% above avgNationally 2.91%
Details
Tier: Mini Jumbo
Rate History
1 change since Sep 14, 2026 · 4.05% → 3.80% ▼ 0.25 pts · high 4.05% / low 3.80%
- Oct 14, 20263.80%▼ from 4.05%
- Sep 14, 20264.05%first recorded
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
60 Month Business Certificates of Deposit
$1,000
3.75%
▲ 0.68% above Texas avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.68% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Certificates of Deposit - 60-month Tier
$1,000
3.75%
▲ 0.68% above Texas avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.68% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
- Oct 14, 20263.75%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2353 Town Center Dr, Sugar Land, TX 77478
5-year online CDs
$0
3.60%
▲ 0.53% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.53% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2353 Town Center Dr, Sugar Land, TX 77478
60 Month 360 CD
$0
3.60%
▲ 0.53% above Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.53% above avgNationally 2.91%
Details
5-year online CD
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
60 Month Certificate
$1,000
3.50%
▲ 0.43% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded: Monthly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
530 Highway 6, Sugar Land, TX 77478
IRA Certificate - 60 months
$1,000
3.50%
▲ 0.43% above Texas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 7 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 60 Month (Jumbo)
$0
3.50%
▲ 0.43% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
IRA Certificate of Deposit - 60 Month
$0
3.50%
▲ 0.43% above Texas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Balance: $1,000 and over
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
CD - 60 Month
$0
3.41%
▲ 0.34% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.34% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 2 times
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Certificate of Deposit - 60 Month
$0
3.40%
▲ 0.33% above Texas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▲ 0.33% above avgNationally 2.91%
Details
Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
330 Highway 6, Sugar Land, TX 77478
Certificate of Deposit - 60 Month
$0
2.75%
▼ 0.32% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.32% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
60 Month CDS
$0
2.68%
▼ 0.39% below Texas avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▼ 0.39% below avgNationally 2.91%
Details
Balance: $1,000.00 minimum; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
FSB Louise, TX
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
IRAS - 60 Months
$0
2.68%
▼ 0.39% below Texas avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Texas Average3.07%▼ 0.39% below avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
330 Highway 6, Sugar Land, TX 77478
60 Month Certificates of Deposit
$0
2.50%
▼ 0.57% below Texas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 0.57% below avgNationally 2.91%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 60 Month
$0
2.48%
▼ 0.59% below Texas avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 0.59% below avgNationally 2.91%
Details
Balance: $100,000 & Over; Dividend Rate / APY
Rate History
3 changes since Sep 14, 2026 · 2.48% → 2.48% ▼ 0.00 pts · high 2.48% / low 2.48%
- Oct 23, 20262.48%▼ from 2.48%
- Oct 15, 20262.48%▼ from 2.48%
- Oct 13, 20262.48%▲ from 2.48%
- Sep 14, 20262.48%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 60 Month
$0
2.43%
▼ 0.64% below Texas avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 0.64% below avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99; Dividend Rate / APY
Rate History
3 changes since Sep 14, 2026 · 2.43% → 2.43% ▼ 0.00 pts · high 2.43% / low 2.43%
- Oct 23, 20262.43%▼ from 2.43%
- Oct 15, 20262.43%▼ from 2.43%
- Oct 13, 20262.43%▲ from 2.43%
- Sep 14, 20262.43%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 60 Month
$0
2.38%
▼ 0.69% below Texas avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Texas Average3.07%▼ 0.69% below avgNationally 2.91%
Details
Balance: $1000 - $49,999.99; Dividend Rate / APY
Rate History
3 changes since Sep 14, 2026 · 2.38% → 2.38% ▼ 0.00 pts · high 2.38% / low 2.38%
- Oct 23, 20262.38%▼ from 2.38%
- Oct 15, 20262.38%▼ from 2.38%
- Oct 13, 20262.38%▲ from 2.38%
- Sep 14, 20262.38%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
3 - 60 Month Kids Club and Teens CD
$100
1.75%
▼ 1.32% below Texas avg
▼
Rate1.74%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.32% below avgNationally 2.91%
Details
Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%. For kids ages 4-12 and teens ages 13-18; published as ranges across terms
Rate History
No change since Oct 26, 2026 · 1.75% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
5 Year Standard CD Products
$1,000
1.50%
▼ 1.57% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
IRA CD - 5 Years
$1,000
1.50%
▼ 1.57% below Texas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.57% below avgNationally 2.91%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 4 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
60 Month Certificate of Deposit
$250,000
1.26%
▼ 1.81% below Texas avg
▼
Rate1.25%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.81% below avgNationally 2.91%
Details
Balance: $250,000.00 and over; Annual Percentage Yield is accurate as of 12/15/2025
Rate History
No change since Oct 21, 2026 · 1.26% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
5 Year CD
$500
1.25%
▼ 1.82% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.82% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
345 Highway 6, Sugar Land, TX 77478
IRA 5 Year Certificate
$500
1.25%
▼ 1.82% below Texas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 1.82% below avgNationally 2.91%
Details
Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 3 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
60 Month Certificate of Deposit
$100,000
1.00%
▼ 2.07% below Texas avg
▼
Rate1.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.07% below avgNationally 2.91%
Details
Balance: $100,000.00 - $249,999.99; Minimum deposit to open CD is $100,000.00
Rate History
No change since Oct 21, 2026 · 1.00% APY · checked 2 times
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
60 Month Certificate of Deposit CD
$500
0.75%
▼ 2.32% below Texas avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Texas Average3.07%▼ 2.32% below avgNationally 2.91%
Details
under $100,000; Balance: under $100,000.00
Rate History
No change since Oct 21, 2026 · 0.75% APY · checked 2 times
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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.
Sugar Land, TX CD Rate Trends
Compare local Sugar Land, 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
3.389%
▼ 0.026 vs 7 days ago
Texas 12-month CD rates fell 0.026 points over the past 7 days to 3.389% APY.
6-Month CD TX Avg
3.244%
▼ 0.024 vs 7 days ago
Texas 6-month CD rates fell 0.024 points over the past 7 days to 3.244% APY.
As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
3.389%
6-Month Forecast
3.389%
Range: 3.19%, 3.54%
12-Month Forecast
3.639%
Range: 3.44%, 3.79%
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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 | 2.503% | $125.16 | $250.33 | $625.83 | $1,251.65 |
| 6-Month CD | 3.244% | $162.18 | $324.36 | $810.90 | $1,621.80 |
| 12-Month CD | 3.389% | $169.45 | $338.91 | $847.28 | $1,694.55 |
| 18-Month CD | 3.279% | $163.94 | $327.87 | $819.68 | $1,639.35 |
| 24-Month CD | 3.215% | $160.76 | $321.52 | $803.80 | $1,607.60 |
| 36-Month CD | 3.123% | $156.17 | $312.33 | $780.83 | $1,561.65 |
| 48-Month CD | 3.027% | $151.33 | $302.66 | $756.65 | $1,513.30 |
| 60-Month CD | 3.073% | $153.64 | $307.27 | $768.18 | $1,536.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 27, 2026. | |||||
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Sample CD Ladder for Sugar Land, 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 | 2.503% | $125.16 |
| 2 | 6-Month CD | $5,000 | 3.244% | $162.18 |
| 3 | 12-Month CD | $5,000 | 3.389% | $169.45 |
| 4 | 24-Month CD | $5,000 | 3.215% | $160.76 |
| 5 | 36-Month CD | $5,000 | 3.123% | $156.17 |
| Total ($25,000 invested) | $25,000 | 3.095% blended | $773.72/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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4,039
CD Rates
Tracked in Sugar Land, Texas
Tracked in Sugar Land, Texas
45 Banks
63 Credit Unions
About Our Sugar Land, Texas CD Rate Database
MonitorBankRates tracks 4,039 CD rates from 45 banks and 63 credit unions with locations in Sugar Land, 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: First Community Credit Union Houston, TX offers a CD at 4.70% APY with a minimum deposit of $5,000. Use the rate table above to compare all current offers in Sugar Land, Texas.
How to Find the Best CD Rates in Sugar Land, Texas
What to compare when shopping for a CD in Sugar Land, Texas
To find the best APYs in Sugar Land, Texas, start with credit unions and online-only banks: Sugar Land, Texas has 63 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 Sugar Land, 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 Sugar Land, Texas: 108 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Sugar Land, 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 Sugar Land, Texas money market rates
Sugar Land, Texas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
19.3%
National avg: 17.3%
Median Individual Earnings
$63,644
National avg: $47,340
Poverty Rate
5.5%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$216/yr
At TX 12-mo avg 3.389% APY
19.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s TX 12-month CD average of 3.389%, saving 10% of the local median salary ($6,364/year) and putting it in a CD would earn an additional $216 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 Sugar Land, Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Sugar Land, 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 Sugar Land, Texas as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Sugar Land, Texas savers easier access to their funds. For example, MemberSource Credit Union is offering its 6 Month IRA Term Share Certificates at 3.95% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First Community Credit Union Houston, TX is offering its 5 Year Business CD at 4.70% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Sugar Land, Texas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Sugar Land, Texas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting a Sugar Land, 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 Sugar Land, Texas
What are CD rates in Sugar Land, Texas today?
Sugar Land, Texas CD rates range from 0.01% to 5.00% APY as of October 27, 2026, verified by MonitorBankRates. Top rates include 4.70% APY at First Community Credit Union Houston, TX (5 Year Business CD), 4.40% at Vio Bank (Certificate of Deposit - 24 Month) and 4.35% at Navy Federal Credit Union (12 Month Special EasyStart Certificate), compared with the MonitorBankRates national 12 month average of 3.00% APY.
Are CD rates in Sugar Land, Texas FDIC insured?
Yes, most established banks in Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, Texas?
Here are recent top rates found for this area:
- First Community Credit Union Houston, TX: 4.70% APY (5 Year Business CD)
- Vio Bank: 4.40% APY (Certificate of Deposit - 24 Month)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Houston Federal Credit Union: 4.32% APY (IRA & Jumbo Share Certificate - 60 Month)
- Amerant Bank: 4.25% APY (12 Month Certificates of Deposit)
- PrimeWay Federal Credit Union: 4.25% APY (12 Months Wealth Builder Certificate)
- MemberSource Credit Union: 4.20% APY (60 Month IRA Term Share Certificates)
- Nizari Progressive Federal Credit Union: 4.13% APY (Momentum Share Certificate - 3 Month Special)
- Capital One Bank: 4.00% APY (1-year online CDs)
- Frost Bank: 4.00% APY (90 Day Frost Certificate of Deposit Account)
Rates reflect recent verified offers available in Sugar Land, Texas. Last Updated: October 27, 2026
Sugar Land, 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 Sugar Land, 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 Sugar Land, Texas
Sugar Land, Texas CD Calculator
At today’s TX top rate of 4.70% APY, a $10,000 deposit earns $470 in the first year. Enter your amount to see your exact return.
Sugar Land, Texas CD LadderTX CD rates currently range from 2.503% (3-month) to 3.123% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Sugar Land, Texas CD at 4.70% 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 3.389% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sugar Land, 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 Sugar Land, 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 Sugar Land, Texas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 27, 2026
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