The Woodlands, Texas Best CD Rates November 2026
Brian McKay
Brian McKay
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The Woodlands, Texas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of November 12, 2026. Current The Woodlands, Texas CD rates include First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX3601 FM 1488 Rd, The Woodlands, TX 77384 3943A+5.0 ★Texas Ratio: 3.58%Real return: +0.75%APY minus CPIRate verified Nov 8, 2026 offering 5 Year Business CD at 4.45% APY, MemberSource Credit UnionMemberSource Credit Union1201 Lake Robbins Dr, The Woodlands, TX 77380A+5.0 ★Texas Ratio: 2.25%Real return: +0.50%APY minus CPIRate verified Nov 9, 2026 offering 60 Month IRA Term Share Certificates at 4.20% APY, Texas Dow Employees Credit UnionTexas Dow Employees Credit Union9595 Six Pines Dr, The Woodlands, TX 77380A5.0 ★Texas Ratio: 13.90%Real return: +0.25%APY minus CPIRate verified Nov 8, 2026 offering 60 Month Kids Club and Teens CD at 3.95% APY, Frost BankFrost Bank10767 Kuykendahl Rd, The Woodlands, TX 77382A+5.0 ★Texas Ratio: 2.51%Real return: +0.10%APY minus CPIRate verified Nov 11, 2026 offering 90 Day Jumbo CD at 3.80% APY, and First Service Credit UnionFirst Service Credit Union9110 Grogans Mill RD, The Woodlands, TX 77380A+5.0 ★Texas Ratio: 4.24%Real return: +0.00%APY minus CPIRate verified Nov 9, 2026 offering Certificate of Deposit - 12 Month (Jumbo) at 3.70% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
The Woodlands has 231 local institutions in our database, with CD rates as high as 4.45% APY from First Community Credit Union Houston, TX at 3601 FM 1488 Rd, The Woodlands, TX 77384 3943. 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: November 12, 2026
Compare Best CD Rates in The Woodlands, Texas & the Surrounding Area
The Woodlands 3 Month CD Rates
Visit a Frost financial center for CDs of $500,000 and over; APY effective as of 11/10/2026; interest rate and APY may change at any time at Frost's discretion; fees could reduce earnings
- Nov 11, 20263.80%▼ from 3.90%
- Nov 5, 20263.90%▼ from 4.00%
- Oct 14, 20264.00%first recorded
Balance: $500,000 and over; Promotional rate for new CDs opened during the promotion; CDs opened prior to 5/1/2023 that are up for renewal are not eligible
- Nov 11, 20263.80%▼ from 4.00%
- Oct 26, 20264.00%first recorded
Balance: $500,000 and over; $500,000+ tier; source shows 3.80%* (asterisk footnote not reproduced)
- Nov 11, 20263.80%▲ from 3.70%
- Nov 5, 20263.70%first recorded
Balance: $500,000.00 and over; $500,000+ tier; Visit a Frost financial center for CDs of $500,000 and over
- Nov 11, 20263.80%▼ from 3.90%
- Nov 5, 20263.90%first recorded
Balance: $1,000,000.00 and over
- Nov 8, 20263.65%▲ from 3.35%
- Nov 3, 20263.35%▼ from 4.30%
- Oct 13, 20264.30%first recorded
Balance: $100,000 and over
- Nov 11, 20263.60%▼ from 3.70%
- Oct 26, 20263.70%first recorded
Balance: $100,000.00 and over
- Nov 11, 20263.60%▼ from 3.70%
- Nov 5, 20263.70%first recorded
Balance: $250,000.00 - $999,999.99
- Nov 8, 20263.55%▲ from 3.35%
- Nov 3, 20263.35%▼ from 4.20%
- Oct 13, 20264.20%first recorded
Balance: $100,000.00 - $249,999.99
- Nov 8, 20263.45%▲ from 3.35%
- Nov 3, 20263.35%▼ from 4.10%
- Oct 13, 20264.10%first recorded
Balance: $5,000.00 - $99,999.99
- Nov 3, 20263.35%▼ from 4.00%
- Oct 13, 20264.00%first recorded
Balance: $1,000 to $99,999.99
- Nov 11, 20263.25%▼ from 3.35%
- Oct 26, 20263.35%first recorded
Balance: $1,000.00 - $99,999.99
- Nov 11, 20263.25%▼ from 3.35%
- Nov 5, 20263.35%first recorded
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%
The Woodlands 6 Month CD Rates
Balance: $100,000 and up
Balance: $50,000.00 - $99,999.99
Balance: $500.00 - $49,999.99
Balance: $100,000.00 and up
Balance: $50,000.00 - $99,999.99
Balance: $1,000,000.00 and over
- Nov 8, 20263.75%▼ from 3.80%
- Nov 3, 20263.80%▼ from 3.90%
- Oct 13, 20263.90%first recorded
Balance: $500 - $49,999.99
Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate
Balance: $250,000.00 - $999,999.99
- Nov 8, 20263.65%▼ from 3.70%
- Nov 3, 20263.70%▼ from 3.80%
- Oct 13, 20263.80%first recorded
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Balance: $1,000 and over
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%
- Oct 26, 20263.60%▲ from 2.25%
- Sep 14, 20262.25%first recorded
For kids ages 4-12 and teens ages 13-18
- Sep 18, 20263.60%▲ from 2.25%
- Sep 14, 20262.25%first recorded
The Woodlands 12 Month CD Rates
Balance: $100,000 and up
Balance: $50,000.00 - $99,999.99
Balance: $500.00 - $49,999.99
Balance: $100,000.00 and up
Balance: $50,000.00 - $99,999.99
Balance: $1,000,000.00 and over
- Nov 8, 20263.95%▼ from 4.05%
- Nov 3, 20264.05%▼ from 4.20%
- Oct 13, 20264.20%first recorded
Balance: $500 - $49,999.99
Balance: $250,000.00 - $999,999.99
- Nov 8, 20263.85%▼ from 3.95%
- Nov 3, 20263.95%▼ from 4.10%
- Oct 13, 20264.10%first recorded
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%
APYs as of 9/16/26
For kids ages 4-12 and teens ages 13-18
Bonus Rate: Base Rate + 0.15% on $50,000.00 - $99,999.99; Base Rate + 0.25% on $100,000.00 and more
Balance: $100,000.00 - $249,999.99
- Nov 8, 20263.75%▼ from 3.85%
- Nov 3, 20263.85%▼ from 4.00%
- Oct 13, 20264.00%first recorded
The Woodlands 18 Month CD Rates
Balance: $1,000,000.00 and over
- Nov 8, 20264.05%▼ from 4.15%
- Nov 3, 20264.15%▼ from 4.35%
- Oct 13, 20264.35%first recorded
Balance: $250,000.00 - $999,999.99
- Nov 8, 20263.95%▼ from 4.05%
- Nov 3, 20264.05%▼ from 4.25%
- Oct 13, 20264.25%first recorded
Balance: $100,000.00 - $249,999.99
- Nov 8, 20263.85%▼ from 3.95%
- Nov 3, 20263.95%▼ from 4.15%
- Oct 13, 20264.15%first recorded
Balance: $5,000.00 - $99,999.99
- Nov 8, 20263.75%▼ from 3.85%
- Nov 3, 20263.85%▼ from 4.05%
- Oct 13, 20264.05%first recorded
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%
APYs as of 9/16/26
- Oct 26, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
For kids ages 4-12 and teens ages 13-18
- Sep 18, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Standard CDs; 3 to 60 month term range
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Balance: $1,000 and over
Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026
Balance: $100,000 or more
CD rates are fixed for the term of the CD.
The Woodlands 24 Month CD Rates
Balance: $5,000.00 - $99,999.99
- Nov 8, 20264.15%▼ from 4.25%
- Nov 3, 20264.25%▲ from 4.15%
- Oct 13, 20264.15%first recorded
Balance: $100,000 and up
Balance: $50,000.00 - $99,999.99
Balance: $500.00 - $49,999.99
Balance: $100,000.00 and up
Balance: $50,000.00 - $99,999.99
Balance: $500 - $49,999.99
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Balance: $1,000 and over
Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026
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%
- Oct 26, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
For kids ages 4-12 and teens ages 13-18
- Sep 18, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Standard CDs; 3 to 60 month term range
The Woodlands 36 Month CD Rates
Balance: $1,000,000.00 and over
- Nov 8, 20264.20%▲ from 4.00%
- Nov 3, 20264.00%▼ from 4.50%
- Oct 13, 20264.50%first recorded
Balance: $250,000.00 - $999,999.99
- Nov 8, 20264.10%▲ from 4.00%
- Nov 3, 20264.00%▼ from 4.50%
- Oct 13, 20264.50%first recorded
Balance: $100,000 and up
Balance: $50,000.00 - $99,999.99
Balance: $100,000.00 - $249,999.99
- Nov 3, 20264.00%▼ from 4.50%
- Oct 13, 20264.50%first recorded
Balance: $500.00 - $49,999.99
Balance: $100,000.00 and up
Balance: $50,000.00 - $99,999.99
Balance: $5,000.00 - $99,999.99
- Nov 8, 20263.90%▼ from 4.00%
- Nov 3, 20264.00%▼ from 4.50%
- Oct 13, 20264.50%first recorded
Balance: $500 - $49,999.99
Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026
Balance: $1,000 and over
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%
- Oct 26, 20263.60%▲ from 2.30%
- Sep 14, 20262.30%first recorded
The Woodlands 48 Month CD Rates
Balance: $1,000,000.00 and over
- Nov 8, 20264.20%▼ from 4.30%
- Nov 3, 20264.30%▼ from 4.60%
- Oct 13, 20264.60%first recorded
Balance: $100,000 and up
Balance: $250,000.00 - $999,999.99
- Nov 8, 20264.10%▼ from 4.20%
- Nov 3, 20264.20%▼ from 4.50%
- Oct 13, 20264.50%first recorded
Balance: $50,000.00 - $99,999.99
Balance: $500.00 - $49,999.99
Balance: $100,000.00 and up
Balance: $100,000.00 - $249,999.99
- Nov 8, 20264.00%▼ from 4.10%
- Nov 3, 20264.10%▼ from 4.40%
- Oct 13, 20264.40%first recorded
Balance: $50,000.00 - $99,999.99
Balance: $500 - $49,999.99
Balance: $5,000.00 - $99,999.99
- Nov 8, 20263.90%▼ from 4.00%
- Nov 3, 20264.00%▼ from 4.30%
- Oct 13, 20264.30%first recorded
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%
- Oct 26, 20263.70%▲ from 2.35%
- Sep 14, 20262.35%first recorded
For kids ages 4-12 and teens ages 13-18
- Sep 18, 20263.70%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Standard CDs; 3 to 60 month term range
The Woodlands 60 Month CD Rates
Balance: $1,000,000.00 and over
- Nov 3, 20264.45%▼ from 4.70%
- Oct 13, 20264.70%first recorded
Balance: $250,000.00 - $999,999.99
- Nov 3, 20264.35%▼ from 4.60%
- Oct 13, 20264.60%first recorded
Balance: $100,000.00 - $249,999.99
- Nov 3, 20264.25%▼ from 4.50%
- Oct 13, 20264.50%first recorded
Balance: $100,000 and up
Balance: $5,000.00 - $99,999.99
- Nov 3, 20264.15%▼ from 4.40%
- Oct 13, 20264.40%first recorded
Balance: $50,000.00 - $99,999.99
Balance: $500.00 - $49,999.99
Balance: $100,000.00 and up
Balance: $50,000.00 - $99,999.99
Balance: $500 - $49,999.99
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%
APYs as of 9/16/26
- Oct 26, 20263.95%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Balance: $1,000.00 - $49,999.99; Bonus tiers: Base Rate + 0.15% for $50,000.00 - $99,999.99; Base Rate + 0.25% for $100,000.00 and more
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
The Woodlands, TX CD Rate Trends
Compare local The Woodlands, 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.
Texas 12-month CD rates rose 0.009 points over the past 7 days to 3.428% APY.
Texas 6-month CD rates rose 0.012 points over the past 7 days to 3.282% APY.
TX CD Rate Forecast, Next 12 Months
Where are Texas CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.518% | $125.91 | $251.82 | $629.55 | $1,259.10 |
| 6-Month CD | 3.282% | $164.08 | $328.15 | $820.37 | $1,640.75 |
| 12-Month CD | 3.428% | $171.42 | $342.83 | $857.08 | $1,714.15 |
| 18-Month CD | 3.324% | $166.21 | $332.41 | $831.03 | $1,662.05 |
| 24-Month CD | 3.253% | $162.63 | $325.25 | $813.13 | $1,626.25 |
| 36-Month CD | 3.167% | $158.34 | $316.67 | $791.68 | $1,583.35 |
| 48-Month CD | 3.067% | $153.35 | $306.70 | $766.75 | $1,533.50 |
| 60-Month CD | 3.119% | $155.93 | $311.85 | $779.63 | $1,559.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026. | |||||
Sample CD Ladder for The Woodlands, 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 | 2.518% | $125.91 |
| 2 | 6-Month CD | $5,000 | 3.282% | $164.08 |
| 3 | 12-Month CD | $5,000 | 3.428% | $171.42 |
| 4 | 24-Month CD | $5,000 | 3.253% | $162.63 |
| 5 | 36-Month CD | $5,000 | 3.167% | $158.34 |
| Total ($25,000 invested) | $25,000 | 3.130% blended | $782.38/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.
Tracked in The Woodlands, Texas
About Our The Woodlands, Texas CD Rate Database
MonitorBankRates tracks 4,112 CD rates from 47 banks and 84 credit unions with locations in The Woodlands, 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 4.45% APY with a minimum deposit of $5,000. Use the rate table above to compare all current offers in The Woodlands, Texas.
How to Find the Best CD Rates in The Woodlands, Texas
What to compare when shopping for a CD in The Woodlands, Texas
To find the best APYs in The Woodlands, Texas, start with credit unions and online-only banks: The Woodlands, Texas has 84 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 The Woodlands, 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 The Woodlands, Texas: 131 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare The Woodlands, 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 The Woodlands, Texas money market rates
The Woodlands, Texas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
14.9% of residents are 65 or older, below the national average of 17.3%. At today’s TX 12-month CD average of 3.428%, saving 10% of the local median salary ($7,514/year) and putting it in a CD would earn an additional $258 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 The Woodlands, 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 The Woodlands, 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 The Woodlands, 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 The Woodlands, 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 4.45% 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 The Woodlands, 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 The Woodlands, 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 The Woodlands, 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 The Woodlands, Texas
What are CD rates in The Woodlands, Texas today?
Are CD rates in The Woodlands, Texas FDIC insured?
Do I have to pay state taxes on CD interest in The Woodlands, Texas?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in The Woodlands, Texas?
- First Community Credit Union Houston, TX: 4.45% APY (5 Year Business CD)
- MemberSource Credit Union: 4.20% APY (60 Month IRA Term Share Certificates)
- Texas Dow Employees Credit Union: 3.95% APY (60 Month Kids Club and Teens CD)
- Frost Bank: 3.80% APY (90 Day Jumbo CD)
- First Service Credit Union: 3.70% APY (Certificate of Deposit - 12 Month (Jumbo))
- Simmons Bank: 3.65% APY (6-month CD)
- Truist: 3.25% APY (CD 12 Month)
- SouthState Bank: 3.15% APY (6 Month Certificate of Deposit)
- Woodforest National Bank: 2.25% APY (Certificate of Deposit - 2 Year)
- Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
The Woodlands, 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 The Woodlands, Texas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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 The Woodlands, Texas
At today’s TX top rate of 4.45% APY, a $10,000 deposit earns $445 in the first year. Enter your amount to see your exact return.
The Woodlands, Texas CD LadderTX CD rates currently range from 2.518% (3-month) to 3.167% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a The Woodlands, Texas CD at 4.45% 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 3.428% 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 The Woodlands, 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 The Woodlands, 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 The Woodlands, 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.
The Woodlands, Texas Rates & Resources
