First Lockhart Bank CD rates
First Lockhart Bank advertises 3.65% APY on its 6-month CD. That is 2.24 percentage points above the national 6-month CD average of 1.41% (FDIC, Aug 2026).
First Lockhart Bank at a glance
| CDs | |
|---|---|
| Top CD APY | 3.65% · 6 months · 180 Day Certificate of Deposit |
| Minimum to open | $1,000 · 6 months CD |
| FDIC certificate | 13599 · Lockhart, TX |
|---|---|
| Website | www.firstlockhart.com |
| Branches | 6 branches in TX |
First Lockhart Bank CD rates
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.52%, and one account in ten advertises 4.01% or more. See the highest savings rates.
First Lockhart Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 3.25% | $1,000 | 90 Day Certificate of Deposit |
| 6 months | 3.65% | $1,000 | 180 Day Certificate of Deposit |
| 12 months | 3.35% | $1,000 | One Year Certificate of Deposit |
| 18 months | 2.65% | $1,000 | Eighteen Month Certificate of Deposit |
| 24 months | 2.65% | $1,000 | Two Year Certificate of Deposit |
| 36 months | 2.65% | $1,000 | Three Year Certificate of Deposit |
| 48 months | 2.65% | $1,000 | Four Year Certificate of Deposit |
What First Lockhart Bank pays on deposits
FDIC call report data
This section shows how the bank has priced the savings and money market deposits it already holds, over time. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
In Q2 2026, First Lockhart Bank paid a higher average rate on savings and money market deposits than 88% of banks that reported a figure (3,938 banks; FDIC call report). The all-bank median was 1.45%.
- First Lockhart Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the 3,938 banks that reported a figure for the quarter ending June 30, 2026.
So what is the catch?
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 90 Day Certificate of Deposit | 3 months | 3.25% | $1,000 | not stated | not stated |
| 180 Day Certificate of Deposit | 6 months | 3.65% | $1,000 | not stated | not stated |
| One Year Certificate of Deposit | 12 months | 3.35% | $1,000 | not stated | not stated |
| Eighteen Month Certificate of Deposit | 18 months | 2.65% | $1,000 | not stated | not stated |
| Two Year Certificate of Deposit | 24 months | 2.65% | $1,000 | not stated | not stated |
| Three Year Certificate of Deposit | 36 months | 2.65% | $1,000 | not stated | not stated |
| Four Year Certificate of Deposit | 48 months | 2.65% | $1,000 | not stated | not stated |
How First Lockhart Bank behaves over time
- 6 months CD
- The same as 7 days ago.
- Rate last changed
- Aug 30, 2026(effective date)
$10,000 at the 3.65% APY First Lockhart Bank advertises on 180 Day Certificate of Deposit grows to $10,365 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,024 does today. See how the federal funds rate shapes savings rates.
First Lockhart Bank CD rates over time
Who is First Lockhart Bank?
| Headquarters | Lockhart, TX |
|---|---|
| Founded | 1934 |
| Scale | $416M assets · $375M deposits, $290M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 13599 |
Financial detail is in What First Lockhart Bank pays on deposits above.
Common questions about First Lockhart Bank
Is First Lockhart Bank FDIC insured?
Yes. First Lockhart Bank is FDIC insured under certificate 13599, so deposits are covered up to $250,000 per depositor, per ownership category.
Does First Lockhart Bank have branches?
Yes. First Lockhart Bank operates 6 branches according to FDIC branch records, in addition to its website and mobile apps.
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