CD Rates Waco, Texas (TX) for March 2026
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Brian McKay
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Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Waco, Texas CD rates include Genco Federal Credit UnionGenco Federal Credit Union731 N Valley Mills Dr, Waco, TX 76710 4848A+5.0 ★Texas Ratio: 0.77% offering 24 Month IRA Certificate at 3.65% APY, Members Choice of Central Texas Federal Credit UnionMembers Choice of Central Texas Federal Credit Union4631 W Waco Dr, Waco, TX 76710A+5.0 ★Texas Ratio: 0.18% offering 6 month Jumbo Term Share Certificate at 3.63% APY, Texell Credit UnionTexell Credit Union1221 Hewitt Dr, Waco, TX 76712 8896A+5.0 ★Texas Ratio: 3.58% offering Term Share Certificate 24-month at 3.60% APY, First Central Credit UnionFirst Central Credit Union6201 Sanger Ave, Waco, TX 76710A5.0 ★Texas Ratio: 8.49% offering 1 year Share Certificate at 3.50% APY, and Sunflower BankSunflower Bank1300 N Valley Mills Dr, Waco, TX 76710A+5.0 ★Texas Ratio: 5.67% offering 6-Month CD Special at 3.40% APY. CD rates as of March 28, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Waco, Texas, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 28, 2026
Compare Best CD Rates in Waco, Texas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
90 Day Fixed Rate CDS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 Franklin Ave, Waco, TX 76701
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
2405 S Stemmons Fwy Ste 102 105, Lewisville, TX 75067
WooriWON 3-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
This APY applies to only WooriWON 3-month CD product which is only available online.; Online Only
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
90 Day Certificate of Deposit
$1,000
3.95%
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate Rate 3 Month Special
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month Certificate of Deposit
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2501 Palmer Hwy, Texas City, TX 77590
3-Month Certificate of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Consumer Online Banking Only
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 3 Month CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
3-month Certificates, IRA
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
3-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Super Jumbo CDs 3 Month
$225,000
3.49%
▼
Rate3.45%
Min Deposit$225,000
Min Balance—
UpdatedMar 28, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX 76903 7240
3 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8201 Preston Rd, Dallas, TX 75225
3-Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
90 Day CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
3-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
3 Mo. Term Share (Certificate) / IRA
$0
3.16%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
3 Month CD
$100,000
3.03%
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1120 Us Highway 79 N, Henderson, TX 75652
90 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
90 Day CDs
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Under $100,000
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1301 Oak Street, Jourdanton, TX 78026
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
3-Month Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
114 E huntland dr, austin, TX 78752
Certificate of Deposit 3 Month
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Amounts of $1,000 - $49,999.99
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX 77505
CD - Term Share 90 day
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX 77065
90 Day Jumbo Certificate Account
$50,000
2.25%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
(Consumer Only)
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
Regular CD - 90 Day CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 E Palestine Ave, Palestine, TX 75801
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
920 1st St, La Marque, TX 77568
3 Month Term Share Certificates
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
3 Month Term Share Certificate
$10,000
1.15%
▼
Rate1.14%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX 75034 6009
3 month Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Penalties may apply for early withdrawals
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
3 Month Jumbo Share Certificates
$0
1.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2401 S 31st St, Temple, TX 76508 0001
90 Day CD
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
IRA 3 Month - Fixed
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texas National Bank of Jacksonville
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
300 Neches St, Jacksonville, TX 75766
3 Month Fixed Rate Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
975 William D Tate Ave, Grapevine, TX 76051 4097
90 Day Certificates of Deposit
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
Share Certificates 3 Month
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
6 month Jumbo Term Share Certificate
$90,000
3.63%
▼
Rate3.60%
Min Deposit$90,000
Min Balance—
UpdatedMar 28, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
1300 N Valley Mills Dr, Waco, TX 76710
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
6 Month IRA Certificate
$0
3.15%
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
6-Month Term Share Certificate
$1,000
3.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
6 Month Fixed Rate CDS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 Franklin Ave, Waco, TX 76701
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX 75501
6 Month Certificate Programs
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 N Elm St, Waxahachie, TX 75165
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX 79762
6 Month CAMPUS Share Certificates & IRA Share Certificates
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Minimum Deposit $500, Jumbo $90,000
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 6 Month
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX 79761 3948
6 Month CD
$1,000
4.00%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
6-month Jumbo Share Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 6 month
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$25,000-$99,999
Colonial Savings, F.A.
Institution Rating:
B+4.7 ★Texas Ratio: 19.01%
2626d West Freeway, Fort Worth, TX 76102
Special 6-Month CD
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
6 Month Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
6-Month Term Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Over $50,000
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
6 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 6 Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 6 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
Share Certificates 6 Month
$0
3.84%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 6 Month to 11 Month
$0
3.82%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
Regular CD - 180 Day CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
6 Month Certificate
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balances of: $100,000 and over
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX 76903 7240
6 Month Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$50,000 - $99,999.99
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
6-Month IRA Certificates of Deposit
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
5610 Lemmon Ave, Dallas, TX 75209
6-month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Lock in your guaranteed rate today.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
6 Month CD
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
6 mo. Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3305 Steck Ave Ste 275, Austin, TX 78757
6 Month Certificate of Deposit
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
6-month Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
114 E huntland dr, austin, TX 78752
Certificate of Deposit 6 Month
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Amounts of $1,000 - $49,999.99
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
6 Month CD
$99,000
3.39%
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedMar 28, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX 78745 2948
6 month Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
6 Mo. Term Share (Certificate) / IRA
$0
3.31%
▼
Rate3.27%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
6-month CD Rate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
180 Day CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713
6-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
SUPER JUMBO CERTIFICATE 6-Month
$100,000
3.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
6 Month Certificate
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
6 Month Jumbo Certificate
$50,000
3.11%
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2535 Ne 28th St, Fort Worth, TX 76106
JUMBO 180 Day CD
$250,000
3.02%
▼
Rate3.00%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Youth Launch Certificate 6-Month Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1120 Us Highway 79 N, Henderson, TX 75652
180 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
6 month CD
$0
2.86%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Mini CDs 6 Month
$50,000
2.62%
▼
Rate2.60%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
6-month Tier Jumbo Certificate of Deposit
$100,000
2.60%
▼
Rate2.57%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9000 Blue Mound Rd, Fort Worth, TX 76131
6 Month Certificate
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
12 Month IRA Certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
12-Month Term Share Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Central Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
6201 Sanger Ave, Waco, TX 76710
1 year Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
1 year IRA Term Share Certificate
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) 1 Year
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 Franklin Ave, Waco, TX 76701
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
12-month Jumbo Certificate Individual Retirement Accounts (IRAs)
$50,000
4.35%
▼
Rate4.35%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Monthly / APY: 4.44%
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX 79762
12 Month Jumbo Share Certificates & IRA Share Certificates
$90,000
4.24%
▼
Rate4.15%
Min Deposit$90,000
Min Balance—
UpdatedMar 28, 2026
Details
Minimum Deposit $500, Jumbo $90,000
West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX 79761 3948
12 Month CD
$1,000
4.10%
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX 77611 3720
12 Month Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 1 year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
IRA Share Certificate 12 Month
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3700 Avenue F, Bay City, TX 77414
Share Certificate of Deposits 1-YEAR CD
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
14205 W FM 174, WINDTHORST, TX 76389
1 Year Super IRA Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Dividend Paid Monthly on Last Day of Month
T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
16200 Dallas Pkwy, Dallas, TX 75248
Promotional 12-Month CD
$25,000
3.95%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
Digital Online
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX 75501
12 Month Certificate Programs
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$10,000 - $49,999.99
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
517 W I 30, Garland, TX 75043
High-Rate Jumbo 12-Month CD
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only. This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. Call for rates and APY on additional minimum balances.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 12 Month to 17 Month
$0
3.87%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX 77007 7702
12-month Regular Share Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
2237 Royal Ln, Dallas, TX 75229
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Limited time offer. Only available in our branches.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
12-Month Term Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Over $50,000
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 12 Month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
601 JEFFERSON ST # KT 02, HOUSTON, TX 77002
1 Year IRA Term Share Certificate
$2,500
3.72%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
1 Year Share Certificate/IRA
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
12 Month Certificate of Deposit
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
12-month IRA Certificates of Deposit
$0
3.67%
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
1 YEAR CERTIFICATE
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
Youth/Young Adult 12-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1401 Holliday St, Wichita Falls, TX 76301 7108
1 Year Share Certificates (CDs)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
12-Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX 75234 9024
IRA 12 month
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2320 6TH ST, Bay City, TX 77414 5240
1 Year Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1422 S HARRISON ST, AMARILLO, TX 79101
12 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
As High As
Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
12 Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 E Palestine Ave, Palestine, TX 75801
Large Depositor Special 12 Month
$50,000
3.39%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
12 Mo. Term Share (Certificate) / IRA
$0
3.36%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX 78232 1703
Flex CDs 1 Year
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$250
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX 77338 4090
12-Month No Penalty Promo Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
(Share Certificate Only)
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
1 Year CD Fixed Rate
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
IRA - 1 Year
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
12 Month Jumbo Certificate
$50,000
3.26%
▼
Rate3.22%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
12-Month Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
1 Year Certificate
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balances of: $500 - $99,999.99
Brenham National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2211 S Day St, Brenham, TX 77833
IRA Starter Savings - 12 month
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First United Bank Dimmitt, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
301 N Main St, Childress, TX 79201
Regular Certificates of Deposit 1 Year
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
12 Month Variable IRA Certificates of Deposit
$10,000
3.10%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
Minimum deposit to open CD - $10,000; NOTE - substantial penalty for early withdrawal
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
18-Month Term Share Certificate
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
18 month Priority Plus Term Share Certificate
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) 18 Month
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
18-Month Certificate Special
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Special rate available with funds new to Essential.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000.00 & over
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
18 mo. Share Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$100
3.70%
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
18-month CD Rate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Consumer 18 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 18 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX 78745 2948
18 month Share Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
18 Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
18 Month CD
$100,000
3.39%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
18-Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
18 Month Certificate
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Round Top State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
121 N 5th St, Jarrell, TX 76537
Jumbo Certificates of Deposit 18 Month
$100,000
3.30%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
2101 N Fulton st, Wharton, TX 77488
18 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
18 Month CD
$99,000
3.19%
▼
Rate3.15%
Min Deposit$99,000
Min Balance—
UpdatedMar 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX 78521
Jumbo Share Certificates 18 MO
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
18 Month Jumbo Certificate
$50,000
3.11%
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
Regular and IRA Certificate 18-Month Term Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
102 S Runnels St, De Kalb, TX 75559
18 Month CD
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
IRA - 18 Month
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
18-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
18 Month Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Super Jumbo CDs 18 Month
$225,000
2.98%
▼
Rate2.95%
Min Deposit$225,000
Min Balance—
UpdatedMar 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
18 Month Share Certificate
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
NAFT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
901 N Veterans Blvd, Pharr, TX 78577
18 Month IRA Certificate
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
515 N Main St, Burton, TX 77835
18 Month CD
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
515 S Bliss Ave, Dumas, TX 79029
IRA Time Share Deposit Account 18 Month
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
514 NL Robinson Dr, Arlington, TX 76011 7473
18 Month Certificate
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
114 W Wellington St, Carthage, TX 75633
18 Month CD
$1,000
2.43%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
IRA 18 Month - Fixed
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 E Palestine Ave, Palestine, TX 75801
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1404 E Milam St, Mexia, TX 76667 2500
18-Month Share/IRA Certificate
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1617 Pleasonton Rd Ste G 109, El Paso, TX 79906
18-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1301 Oak Street, Jourdanton, TX 78026
18 Month Certificate of Deposit
$2,500
2.25%
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
18 month CD
$0
2.16%
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1300 W Wilson St, Borger, TX 79007
IRA - 18 Month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 18 Mo. HSA
$0
1.95%
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texas National Bank of Jacksonville
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
300 Neches St, Jacksonville, TX 75766
18 Month Fixed Rate Certificates
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Lytle State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14631 S Fm 2790 W, Lytle, TX 78052
IRA 18 Month CD
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
IRA 18 Month Fixed Rate
$1,000
1.36%
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2201 Market St, Galveston, TX 77550
IRA CDs 18 Month Variable IRA
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
24 Month IRA Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Term Share Certificate 24-month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
2 year Priority Plus IRA Term Share Certificate
$1,000
3.39%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) 2 Year
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 and over
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
24-month Jumbo Personal Smart-Step Certificate Account IRA
$50,000
4.02%
▼
Rate3.95%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (2 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3700 Avenue F, Bay City, TX 77414
Share Certificate of Deposits 2-YEAR CD
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
2 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
2-year CD Rate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
24 mo. Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX 75501
24 Month Certificate Programs
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
24-Month IRA Certificates of Deposit
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX 75785
24 Month Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
24 Month CD
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX 79762
24 Month Members Advantage Share Certificates & IRA Share Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Minimum Deposit $500, Jumbo $90,000
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
24 month term Certificates of Deposit and IRA** Certificates of Deposit
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Interest paid monthly
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX 78750
Fixed Rate Certificates 24 Month Step-Up
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
121 E Courthouse St, Cuero, TX 77954
24 Month Jumbo CD Special
$100,000
3.53%
▼
Rate3.47%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
Youth Certificate 24 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2320 6TH ST, Bay City, TX 77414 5240
2 Year Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Susser Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4020 Maple Ave, Dallas, TX 75219
24-Month Certificates of Deposit (CD)
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
24 Mo. Term Share (Certificate) / IRA
$0
3.36%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
24-Month IRA Certificates
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
2 Year CD
$100,000
3.34%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX 76092 8024
IRA CDs 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
Regular CD - 1 1/2 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
24-month Tier Certificate of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
24 Month CD
$99,000
3.24%
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedMar 28, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
2 Year Certificate
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balances of: $100,000 and over
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
24-Month Term Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Over $50,000
Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
24 Month CD
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
24 Month Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX 78521
Jumbo Share Certificates 24 MO
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX 75006 7260
IRA Term Share Certificate 24 Month
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3305 E Elms Rd, Killeen, TX 76542
24 month Certificates of Deposits
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
24-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
24 Month Jumbo Certificate
$50,000
2.95%
▼
Rate2.92%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
24 Month Term Share and IRA Certificates
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Super Jumbo CDs 24 Month
$225,000
2.88%
▼
Rate2.85%
Min Deposit$225,000
Min Balance—
UpdatedMar 28, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX 75234 9024
IRA 24 month
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
102 S Runnels St, De Kalb, TX 75559
2 year CD and IRA
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
IRA - 2 Year
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
36 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Term Share Certificate 36-month
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
3 year Priority Plus IRA Term Share Certificate
$1,000
3.08%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) 3 Year
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 and over
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (2 year) 3 year
$250,001
3.97%
▼
Rate3.90%
Min Deposit$250,001
Min Balance—
UpdatedMar 28, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
3-year CD Rate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month IRA Certificates of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
36 mo. Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX 79762 8125
36 month term Certificates of Deposit and IRA** Certificates of Deposit
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Interest paid monthly
TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
121 E Courthouse St, Cuero, TX 77954
36 Month Jumbo CD Special
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
36 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 3 year
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$25,000-$99,999
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
36 Mo. Term Share (Certificate) / IRA
$0
3.41%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
36-Month Bump IRA Certificates
$500
3.35%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
36 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713
36-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
36 Month CD
$99,000
3.24%
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedMar 28, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
36-month Certificates, IRA, Roth, Educational IRA
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
36 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
36 Month Certificate
$0
3.11%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Starting at $10,000+
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX 78213
36 Month Educational IRA
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
36 Month Certificate
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
7508 Ferguson Rd, Dallas, TX 75228
36 month CD
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
36 Month Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3305 E Elms Rd, Killeen, TX 76542
36 month Certificates of Deposits
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX 76092 8024
IRA CDs 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX 78521
Jumbo Share Certificates 36 MO
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
36 Month Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
36 Month Jumbo Certificate
$50,000
2.85%
▼
Rate2.00%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month Tier Mini Jumbo Certificate of Deposit
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
515 S Bliss Ave, Dumas, TX 79029
3 Year Time Share Deposit Accounts
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
Regular CD - 3 Year CD
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
114 W Wellington St, Carthage, TX 75633
3 Year CD
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
36 Month Certificate
$0
2.69%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
36 month CD
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX 79761 3948
36 Month CD
$1,000
2.58%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
36 Month Term Share and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Year Certificate
$100,000
2.52%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balances of: $100,000 and over
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
48 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Term Share Certificate 48-month
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
4 year Priority Plus IRA Term Share Certificate
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) 4 Year
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000.00 & over
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
48 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo. Share Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX 77611 3720
48 Month Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
48 Month (Jumbo) Certificate of Deposit
$50,000
3.55%
▼
Rate3.49%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
9797 Rombauer Rd, Coppell, TX 75019 5173
48 Month Term Share & IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
48 Mo. Term Share (Certificate) / IRA
$0
3.46%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX 79925
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 48 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share & Business Share Certificates 4 year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500-$24,999
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
48 Month CD
$99,000
3.29%
▼
Rate3.25%
Min Deposit$99,000
Min Balance—
UpdatedMar 28, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
48 Month Certificate
$0
3.16%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Starting at $10,000+
EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9000 Blue Mound Rd, Fort Worth, TX 76131
48 Month Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
48 Month Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
48-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
48 Month Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX 78213
48 Month Educational IRA
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
48-Month Term Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Over $50,000
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
48-month Tier Mini Jumbo Certificate of Deposit
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Kerr County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3700 Memorial Blvd, Kerrville, TX 78028 5710
48-Month IRA Certificate
$1,000
2.79%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX 75034
Share Certificates 48-Month Term
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
114 W Wellington St, Carthage, TX 75633
4 Year IRA
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
4 Year Jumbo CD
$100,000
2.70%
▼
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
48 month CD
$0
2.69%
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
515 N Main St, Burton, TX 77835
48 Month CD
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
48 Month Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX 77079 2703
Share Certificate 48 Month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
48 Month Term Share and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
4 Year Certificate
$100,000
2.52%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balances of: $100,000 and over
Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1 Carnegie St, Brownwood, TX 76801
4 Year Term IRA Certificates
$0
2.45%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
48 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2535 Ne 28th St, Fort Worth, TX 76106
JUMBO 48 Month CD
$250,000
2.27%
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX 77385
4-Year Certificate of Deposit (CD)
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
IRA 48 Month - Fixed
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX 75090 5840
48-month Share Certificate
$10,000
1.81%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX 77065
48 Month Certificate Account
$500
1.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
(Consumer or Business)
La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
214 W Expressway 83, La Joya, TX 78560
48 Month Share Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
975 William D Tate Ave, Grapevine, TX 76051 4097
4 Year Certificates of Deposit
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
60 Month IRA Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Term Share Certificate 60-month
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) 5 Year
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX 76021 6123
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 and over
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
111 N 2nd St, Alpine, TX 79830
IRA Certificate 60 Month
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500 Minimum
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
60-Month IRA Certificates of Deposit
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX 76028
5-year CD Rate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
60 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000.00 & over
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (5 year)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Business Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2300 Lohmans Spur Rd, Lakeway, TX 78734
60 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 60-Month (Tier 2)
$0
3.66%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
60 mo. Share Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 5 year
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$25,000-$99,999
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX 76227
60 Mo. Term Share (Certificate) / IRA
$0
3.56%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
9797 Rombauer Rd, Coppell, TX 75019 5173
60 Month Term Share & IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX 78213
60 Month Educational IRA
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
60 Month CD
$99,000
3.34%
▼
Rate3.30%
Min Deposit$99,000
Min Balance—
UpdatedMar 28, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
60-month Certificates, IRA, Roth, Educational IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply.
Associated Credit Union Of Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.57%
920 1st St, La Marque, TX 77568
60 Month Term Share Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
60 Month Certificate
$0
3.22%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Starting at $10,000+
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Lone Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
7508 Ferguson Rd, Dallas, TX 75228
60 month CD
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Southside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
200 E Crockett St, Cleveland, TX 77327
5 Year CD
$100,000
3.14%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
Regular Certificate 60 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
60 Month Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
60-month Tier Mini Jumbo Certificate of Deposit
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9000 Blue Mound Rd, Fort Worth, TX 76131
60 Month Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
60 Month Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
60-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
60-Month Term Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Over $50,000
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
114 W Wellington St, Carthage, TX 75633
5 Year CD
$1,000
2.84%
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
Share Certificates 5 Year
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX 78521
Jumbo Share Certificates 60 MO
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
60 month CD
$0
2.74%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
515 N Main St, Burton, TX 77835
60 Month CD
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1 Carnegie St, Brownwood, TX 76801
5 Year Term IRA Certificates
$0
2.55%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
60 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
519 Main St, Schertz, TX 78154
Regular CD - 5 Year CD
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
60 Month CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
60 Month Share Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
Super Jumbo CDs 5 Year
$225,000
2.32%
▼
Rate2.30%
Min Deposit$225,000
Min Balance—
UpdatedMar 28, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2535 Ne 28th St, Fort Worth, TX 76106
JUMBO 60 Month CD
$250,000
2.27%
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX 75090 5840
60-month Share Certificate
$10,000
2.06%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX 77074 1831
60 Month Jumbo Certificate
$50,000
2.04%
▼
Rate2.02%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX 77385
5-Year Certificate of Deposit (CD)
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
IRA 60 Month - Fixed
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
214 W Expressway 83, La Joya, TX 78560
60 Month Share Certificate
$0
1.81%
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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MonitorBankRates
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.
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Waco, TX CD Rate Trends
Compare local Waco, TX CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — TX Avg
2.701%
▼ 0.973 from last week
Texas 12-month CD rates fell 0.973 points this week to 2.701% APY, down from 3.673% last week.
6-Month CD — TX Avg
2.156%
▼ 0.760 from last week
Texas 6-month CD rates fell 0.760 points this week to 2.156% APY, down from 2.916% last week.
As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Waco, Texas
Are CD rates in Waco, Texas FDIC insured?
Yes, most established banks in Waco, 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 Waco, 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 Waco, 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 Waco, 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 Waco, Texas?
Here are recent top rates found for this area:
- Genco Federal Credit Union: 3.65% APY (24 Month IRA Certificate)
- Members Choice of Central Texas Federal Credit Union: 3.63% APY (6 month Jumbo Term Share Certificate)
- Texell Credit Union: 3.60% APY (Term Share Certificate 24-month)
- First Central Credit Union: 3.50% APY (1 year Share Certificate)
- Sunflower Bank: 3.40% APY (6-Month CD Special)
- First Guaranty Bank: 3.00% APY (90 Day Fixed Rate CDS)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- GECU Federal Credit Union: 4.35% APY (12-month Jumbo Certificate Individual Retirement Accounts (IRAs))
- 5Point Credit Union: 4.34% APY (IRA Share Certificates and Share Certificates 12-Month (Tier 3))
- Complex Community Federal Credit Union: 4.24% APY (12 Month Jumbo Share Certificates & IRA Share Certificates)
Rates reflect recent verified offers available in Waco, Texas. Last Updated: March 28, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Waco, Texas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Waco, 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: March 28, 2026
