CD Rates Waller, Texas (TX) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Waller, Texas CD rates include 5Point Credit Union5Point Credit UnionA5.0 ★Texas Ratio: 6.33%Real return: +1.54%APY minus CPI (February 2026) offering IRA Share Certificates and Share Certificates 12-Month (Tier 3) at 4.34% APY, Complex Community Federal Credit UnionComplex Community Federal Credit UnionA+5.0 ★Texas Ratio: 3.26%Real return: +1.44%APY minus CPI (February 2026) offering 12 Month Jumbo Share Certificates & IRA Share Certificates at 4.24% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, West Texas Credit UnionWest Texas Credit UnionA+5.0 ★Texas Ratio: 5.61%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month CD at 4.10% APY, and Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit UnionA+5.0 ★Texas Ratio: 4.79%Real return: +1.28%APY minus CPI (February 2026) offering Jumbo 6-Month Share Certificate at 4.08% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Waller is a smaller community with no bank or credit union branches currently in our database. 496 institutions serving the Texas area are available to Waller residents, with CD rates as high as 4.34% APY from 5Point Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 12, 2026
Compare Best CD Rates in Waller, Texas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
90 Day Certificate of Deposit
$1,000
3.95%
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Momentum Share Certificate Rate 3 Month Special
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3-Month Certificate of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Consumer Online Banking Only
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 3 Month CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Month Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 3 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Online Only
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
90 Day Jumbo Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Reach your goals faster and take your money even further.
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 3 Month
$225,000
3.49%
▼
Rate3.45%
Min Deposit$225,000
Min Balance—
UpdatedApr 12, 2026
Details
Karnes County National Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
3-Month Term
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
3-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
90 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Under $100,000
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificate of Deposit
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
3-Month Certificates (INCLUDES IRA)
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
90 Day Jumbo Certificate Account
$50,000
2.25%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
(Consumer Only)
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3 Month Term Share Certificate
$10,000
1.15%
▼
Rate1.14%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Penalties may apply for early withdrawals
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Month Jumbo Share Certificates
$0
1.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
90 Day CD
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
3 Month - Fixed IRA
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
3 Month CD
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
90 Day Certificates of Deposit
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Month Share Certificate
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Jumbo 6-Month Share Certificate
$100,000
4.08%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA CD Account
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6 Month CAMPUS Share Certificates & IRA Share Certificates
$500
4.03%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 6 Month
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Independent Retirement Accounts (IRA) 180 Day (6 Months)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6-month Jumbo Share Certificates
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Age 0-17
Colonial Savings, F.A.
Institution Rating:
B+4.7 ★Texas Ratio: 19.01%
Special 6-Month CD
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6-Month Term Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $50,000
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 6 Month to 11 Month
$0
3.87%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month IRA Share Certificate
$1,500
3.85%
▼
Rate3.80%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Minimum $1,500 to open
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
6-month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Limited Time Only
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 6 Month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 6 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
6 Month Certificate
$100,000
3.68%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balances of: $100,000 and over
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6-Month Jr Jumbo Share CD
$0
3.63%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6 Month Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Month Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 6 Mo. Jumbo
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
Super Jumbo Certificate 6-Month
$100,000
3.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
6 mo. Certificate
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★Texas Ratio: 16.23%
6-month Jumbo CD
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA CD 6 mo.
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
($10,000 Min)
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Month CD
$99,000
3.39%
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedApr 12, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 6 Month
$100
3.38%
▼
Rate3.32%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
6 month Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
Time Share Deposit Accounts 6 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
6-Month Certificates (INCLUDES IRA)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
6 Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
6 Month Certificate
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month IRA Certificate
$0
3.15%
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Month Jumbo Certificate
$50,000
3.11%
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Certificate of Deposits 6 Month
$500
3.10%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
6-Month Certificates
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 180 Day CD
$250,000
3.02%
▼
Rate3.00%
Min Deposit$250,000
Min Balance—
UpdatedApr 12, 2026
Details
Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6 mo Share Certificates
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
6 month Priority Plus Term Share Certificate
$2,500
2.97%
▼
Rate2.95%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
180 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 month CD
$0
2.86%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6-Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Mini CDs 6 Month
$50,000
2.62%
▼
Rate2.60%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12 Month Jumbo Share Certificates & IRA Share Certificates
$90,000
4.24%
▼
Rate4.15%
Min Deposit$90,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share Certificates & Business Share Certificates 1 year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000+
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Share Certificate 12 Month
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1-YEAR CD
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 12 Month Certificate
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12 Month CD
$100
3.95%
▼
Rate3.87%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1 Year Puppy Pak Term Share Certificates
$100
3.92%
▼
Rate3.85%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$10,000 - $49,999.99
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Independent Retirement Accounts (IRA) 365 Day (1 Year)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 Month Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1 Year Boost Advantage CD Saver
$50
3.82%
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Limited time offer. Only available in our branches.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
12-Month Term Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $50,000
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 12 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
12 Month Certificate of Deposit
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
12-month IRA Certificates of Deposit
$0
3.67%
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1 Year Share Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Youth/Young Adult 12-Month Certificate*
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1 Year Share Certificates (CDs)
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1 Year CD Fixed Rate
$95,000
3.60%
▼
Rate3.55%
Min Deposit$95,000
Min Balance—
UpdatedApr 12, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Share Certificates 1 Year
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
12 Month Certificate
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
1-Year Certificates (INCLUDES IRA)
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 12 month
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA's 12 Month
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1 Year Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
As High As
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
12 Month Certificate
$1,000
3.44%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1 year Certificates
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
12 Month CD
$99,000
3.39%
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedApr 12, 2026
Details
Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
12 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 12 Month
$100
3.34%
▼
Rate3.29%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA Certificates 1 year
$1,000
3.30%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Month Jumbo Certificate
$50,000
3.26%
▼
Rate3.22%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 12-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balances of: $500 - $99,999.99
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
12-month Certificate
$10,000
3.20%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
First United Bank Dimmitt, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular Certificates of Deposit 1 Year
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
12 Month CDs
$0
3.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1 Year Share Certificates
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
12-Month Share/IRA Certificate
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
Super Jumbo Certificate 12-Month
$100,000
3.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000.00 & over
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 18 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
18 Month Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Regular Certificate 18 Month
$75,000
3.60%
▼
Rate3.54%
Min Deposit$75,000
Min Balance—
UpdatedApr 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
18 month Share Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 18 Month to 23 Month
$0
3.52%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18-month Regular Share Certificates
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
18 Month Certificate
$1,000
3.34%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 Month Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
CD - Term Share 18 month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 month Term Share Certificate
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
Share & IRA Certificates - 18 Month
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month CD
$99,000
3.19%
▼
Rate3.15%
Min Deposit$99,000
Min Balance—
UpdatedApr 12, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month Jumbo Certificate
$50,000
3.11%
▼
Rate3.07%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Regular and IRA Certificate 18-Month Term Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 18-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 18 Month
$225,000
2.98%
▼
Rate2.95%
Min Deposit$225,000
Min Balance—
UpdatedApr 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Share Certificate
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
18 Month CDs
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Month Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA Time Share Deposit Account 18 Month
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
18 Month CD
$1,000
2.43%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
18 Month - Fixed IRA
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
18-Month Share/IRA Certificate
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Certificate of Deposit
$2,500
2.25%
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 month CD
$0
2.16%
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pantex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA - 18 Month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 18 Month
$0
1.95%
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texas National Bank of Jacksonville
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Fixed Rate Certificates
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA 18 Month Fixed Rate
$1,000
1.36%
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
IRA CDs 18 Month Variable IRA
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
18 Month Term Share Certificates and IRA Term Share Certificates
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Month Share Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Brentwood Baptist Church Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 71.96%
18 month Share Certificate (CD)
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (2 year)
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2-YEAR CD
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 24 Month Certificate
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
2 YEAR CERTIFICATE
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 mo. Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
24-Month IRA Certificates of Deposit
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificates (Certificates of Deposit) 24 mo.
$1,000
3.71%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
24 Month IRA Share Certificate
$1,500
3.70%
▼
Rate3.65%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 24 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
24 Month Members Advantage Share Certificates & IRA Share Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
24 Month CD/Share Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
2-Year Certificates (INCLUDES IRA)
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
24 Month Jumbo CD Special
$100,000
3.53%
▼
Rate3.47%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month IRA Certificate
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
24 month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 Year Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
24 Month Certificate
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Special Certificate 24 Month
$5,000
3.42%
▼
Rate3.36%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Special Conditions: New Deposits Only - No Internal Transfers - Limited Time
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 24 Month Step-Up
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2 year Priority Plus IRA Term Share Certificate
$1,000
3.39%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 24-month Tier Jumbo
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
24 Month CD
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24 Month CD
$99,000
3.24%
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedApr 12, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
2 Year Certificate
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balances of: $100,000 and over
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24-Month Term Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $50,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
24 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
IRA Term Share Certificate 24 Month
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
24 month Certificates of Deposits
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 24-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
24 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 24 month
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
24 Month Term Share and IRA Certificates
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24 Month Share Certificate
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
State Bank of De Kalb
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
2 year CD and IRA
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (2 year) 3 year
$250,001
3.97%
▼
Rate3.90%
Min Deposit$250,001
Min Balance—
UpdatedApr 12, 2026
Details
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 YEAR CERTIFICATE
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 3 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
36-Month IRA Certificates of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 36-Month (Tier 3)
$0
3.71%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 36 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 Month Certificate
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
36 month term Certificates of Deposit and IRA** Certificates of Deposit
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Interest paid monthly
TrustTexas Bank
Institution Rating:
F1.0 ★Texas Ratio: 77.83%
36 Month Jumbo CD Special
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
36 Month IRA Share Certificate
$1,500
3.50%
▼
Rate3.45%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Year IRA Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
36 Month Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36-Month Bump IRA Certificates
$500
3.35%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Special Certificate 36 Month
$5,000
3.32%
▼
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Special Conditions: New Deposits Only - No Internal Transfers - Limited Time
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
3-Year Certificates (INCLUDES IRA)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36 Month CD
$99,000
3.24%
▼
Rate3.20%
Min Deposit$99,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Starting at $10,000+
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
36 Month Certificate
$1,000
3.08%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3 year Priority Plus IRA Term Share Certificate
$1,000
3.08%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Month Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
36 month Certificates of Deposits
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36 Month Jumbo Certificate
$50,000
2.85%
▼
Rate2.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 36-month Tier Mini Jumbo
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA Time Share Deposit Account 3 Year
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 month CD
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farmers State Bank Center, TX
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
3 Year CD
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
36 Month Certificate
$0
2.69%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
36 Month Term Share and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
3 Year Certificate
$100,000
2.52%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Daily Balances of: $100,000 and over
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA 36 month
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
36 Month CD
$1,000
2.47%
▼
Rate2.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 36 Month
$0
2.45%
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (4 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
4 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000.00 & over
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
48 Month Certificates
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
48 Month Certificate of Deposit
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
48 month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
4 Year IRA Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
48 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48 Month CD
$99,000
3.29%
▼
Rate3.25%
Min Deposit$99,000
Min Balance—
UpdatedApr 12, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Starting at $10,000+
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 48 Month
$100
3.10%
▼
Rate3.05%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
48 Month Certificate
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 48-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-Month Term Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $50,000
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4 year Priority Plus IRA Term Share Certificate
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
Certificates of Deposit 48-month Tier Jumbo
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 month CD
$0
2.79%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
48 Month CD Special
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
48 Month CD
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
48 Month Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 48 Month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
48 Month Term Share and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
CD - Term Share 4 year
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
4 Year Term IRA Certificates
$0
2.45%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month Share Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 48 Month CD
$250,000
2.27%
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedApr 12, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
IRA Education Certificate 48-Month
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
48 Month - Fixed IRA
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-month certificate
$10,000
1.88%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Balance Over $10,000
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
48 Month Certificate Account
$500
1.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
(Consumer or Business)
La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Month Share Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
4 Year Certificates of Deposit
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Germania Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month Certificate of Deposit
$500
1.31%
▼
Rate1.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Fayette Savings Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
48 Month Certificate
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Round Top State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificates of Deposit (CDs)
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and over
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
Business Savings Certificate 60 Month Value
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
5 Year Term Share Certificates
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
IRA Certificates (5 year)
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificate Accounts - IRA & Jumbo 60 Month
$0
3.77%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
IRA Share Certificates and Share Certificates 60-Month (Tier 3)
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Fixed Rate Certificates 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Mini-Jumbo Share Certificate/IRA 5 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
Consumer 60 Month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
5 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 88 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
60-Month HYC Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
60-Month IRA Certificates
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
60 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month CD
$99,000
3.34%
▼
Rate3.30%
Min Deposit$99,000
Min Balance—
UpdatedApr 12, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
5 Year IRA Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
Investment Certificate Account 60 Month
$100
3.23%
▼
Rate3.17%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Starting at $10,000+
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Priority Postal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.54%
60 Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
60-month IRA Special
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
60 Month Certificate
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
60-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
5 Year Fixed Rate CDS
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-Month Term Share Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Over $50,000
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 month CD
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Postel Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
5 Year Certificate of Deposit
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Citizens State Bank Somerville, TX
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
60 Month CD
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Citizens National Bank at Brownwood
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5 Year Term IRA Certificates
$0
2.55%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
60 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Basin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
60 month Certificate of Deposit (CD)
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Share Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Super Jumbo CDs 5 Year
$225,000
2.32%
▼
Rate2.30%
Min Deposit$225,000
Min Balance—
UpdatedApr 12, 2026
Details
NBT Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
JUMBO 60 Month CD
$250,000
2.27%
▼
Rate2.25%
Min Deposit$250,000
Min Balance—
UpdatedApr 12, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-month certificate
$10,000
2.13%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Balance Over $10,000
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Month Jumbo Certificate
$50,000
2.04%
▼
Rate2.02%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
60 Month - Fixed IRA
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
La Joya Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Month Share Certificate
$0
1.81%
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Powered by
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Waller, TX CD Rate Trends
Compare local Waller, TX CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — TX Avg
2.885%
Unchanged vs 7 days ago
Texas 12-month CD rates currently average 2.885% APY based on data from institutions in our monitoring network.
6-Month CD — TX Avg
2.689%
Unchanged vs 7 days ago
Texas 6-month CD rates currently average 2.689% APY based on data from institutions in our monitoring network.
As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TX CD Rate Forecast — Next 12 Months
Where are Texas CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TX 12-Month Avg APY
2.885%
6-Month Forecast
2.885%
Range: 2.69% – 3.04%
12-Month Forecast
2.635%
Range: 2.44% – 2.79%
Powered by
MonitorBankRates
What Your Savings Earn at TX CD Rates Today
Annual interest earnings at today’s Texas average APYs. State average used where available; national average as fallback.
| CD Term | TX Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.456% | $122.81 | $245.61 | $614.03 | $1,228.05 |
| 6-Month CD | 2.689% | $134.43 | $268.86 | $672.15 | $1,344.30 |
| 12-Month CD | 2.885% | $144.25 | $288.50 | $721.25 | $1,442.50 |
| 18-Month CD | 2.789% | $139.46 | $278.91 | $697.28 | $1,394.55 |
| 24-Month CD | 2.945% | $147.26 | $294.52 | $736.30 | $1,472.60 |
| 36-Month CD | 2.993% | $149.63 | $299.26 | $748.15 | $1,496.30 |
| 48-Month CD | 3.022% | $151.12 | $302.23 | $755.58 | $1,511.15 |
| 60-Month CD | 3.005% | $150.25 | $300.50 | $751.25 | $1,502.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Waller, Texas Savers
$25,000 split equally across 5 terms using today’s Texas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TX Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.456% | $122.81 |
| 2 | 6-Month CD | $5,000 | 2.689% | $134.43 |
| 3 | 12-Month CD | $5,000 | 2.885% | $144.25 |
| 4 | 24-Month CD | $5,000 | 2.945% | $147.26 |
| 5 | 36-Month CD | $5,000 | 2.993% | $149.63 |
| Total ($25,000 invested) | $25,000 | 2.794% blended | $698.38/yr | |
Ladder example uses equal $5,000 rungs and Texas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
156
Institutions
in Waller, Texas
in Waller, Texas
55 Banks
101 Credit Unions
About Our Waller, Texas CD Rate Database
MonitorBankRates tracks CD rates from 55 banks and 101 credit unions with locations in Waller, Texas, plus national online institutions available to Texas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: 5Point Credit Union offers a CD at 4.34% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Waller, Texas.
How to Find the Best CD Rates in Waller, Texas
What to compare when shopping for a CD in Waller, Texas
To find the best APYs in Waller, Texas, start with credit unions and online-only banks — Waller, Texas has 101 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Waller, Texas
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Waller, Texas — 156 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Waller, Texas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Waller, Texas money market rates
Waller, Texas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
7.4%
National avg: 17.3%
Median Individual Earnings
$35,079
National avg: $47,340
Poverty Rate
25.5%
National avg: 11.1%
Unemployment Rate
2.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$101/yr
At TX 12-mo avg 2.885% APY
7.4% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 2.0% reflects a strong local economy. At today’s TX 12-month CD average of 2.885%, saving 10% of the local median salary ($3,507/year) and putting it in a CD would earn an additional $101 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Waller, Texas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Waller, Texas
Are CD rates in Waller, Texas FDIC insured?
Yes, most established banks in Waller, 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 Waller, 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 Waller, 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 Waller, 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 Waller, Texas?
Here are recent top rates found for this area:
- 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)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- West Texas Credit Union: 4.10% APY (12 Month CD)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
- Freedom Bank Alamo, TX: 4.07% APY (6-Month IRA CD Account)
- FIRSTLIGHT: 4.05% APY (IRA/Share Certificates & Business Share Certificates 1 year)
- Alpine Community Credit Union: 4.05% APY (Business Savings Certificate 60 Month Value)
- Citizens National Bank of Texas: 4.04% APY (6 month CDs)
- Nizari Progressive Federal Credit Union: 4.02% APY (IRA Share Certificate 12 Month)
Rates reflect recent verified offers available in Waller, Texas. Last Updated: April 12, 2026
CD Calculators for Waller, Texas
Waller, Texas CD Calculator
At today’s TX top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Waller, Texas CD LadderTX CD rates currently range from 2.456% (3-month) to 2.993% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Waller, Texas CD at 4.34% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTexas’s average 12-month CD is 2.885% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Waller, 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 Waller, Texas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 12, 2026
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