Highest CD Rates in Texas
533 Texas-specific CD products
The Texas market
Texas accounts
533
Institutions
60
Top Texas APY
4.47% APY
Nationally: 5.00% APY
FDIC national average
1.73%
As of Sep 2026
533 CDs are open only to Texas residents, from 60 institutions. The highest advertised APY among them is 4.47%.
The highest nationally available rate is 5.00% APY, 53 basis points above the Texas leader.
417 of the 533 Texas CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Texas-Specific CD Rates
CD rates specifically available to Texas residents. Business, youth and IRA CDs are not included.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.47%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #2 | 4.27%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #3 | 4.25%APY That 4.25% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #4 | 4.22%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #5 | 4.20%APY That 4.20% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #6 | 4.20%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #7 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #8 | 4.10%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #9 | 4.10%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #10 | 4.10%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #11 | 4.06%APY Observed: Oct 7, 2026 | $1,000 | ||
| #12 | 4.05%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #13 | 4.00%APY Observed: Oct 7, 2026 | $1,000 | ||
| #14 | 4.00%APY Observed: Oct 7, 2026 | $1,000,000 | ||
| #15 | Up to4.00%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #16 | 4.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #17 | 4.00%APY Observed: Oct 7, 2026 | $1,000 | ||
| #18 | 4.00%APY Observed: Oct 7, 2026 | $1,000,000 | ||
| #19 | 4.00%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #20 | 4.00%APY Observed: Oct 7, 2026 | $100,000 | ||
| #21 | 4.00%APY Observed: Oct 13, 2026 | $10,000 | ||
| #22 | 4.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #23 | 4.00%APY Observed: Oct 7, 2026 | $1,000 | ||
| #24 | 4.00%APY Observed: Oct 7, 2026 | $1,000,000 | ||
| #25 | 3.96%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #26 | First National Bank of Hereford 18 Month Raise Your Rate CD (With Transaction Account) Term: 18 months | 3.96%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | |
| #27 | 3.95%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.93%APY On balances of $1,000,000 to $5,000,000 · 3.68% below Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #29 | 3.90%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.85%APY That 3.85% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #31 | 3.85%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #32 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #33 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #34 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #35 | 3.83%APY Observed: Oct 7, 2026 | $500 | ||
| #36 | 3.82%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #37 | Up to3.80%APY Needs at least $250,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #38 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #41 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 3.80%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #43 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #44 | 3.80%APY Observed: Oct 3, 2026 Branches: Yes | $100,000 | ||
| #45 | 3.80%APY Observed: Oct 7, 2026 | $1,000 | ||
| #46 | 3.80%APY Observed: Oct 3, 2026 Branches: Yes | $100,000 | ||
| #47 | 3.79%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #48 | 3.78%APY Observed: Oct 7, 2026 | $1,000 | ||
| #49 | 3.78%APY Observed: Oct 7, 2026 | $100,000 | ||
| #50 | 3.76%APY Observed: Oct 7, 2026 Branches: Yes | $50,000 |
$5,000
Yes
$5,000
Yes
That 4.25% is a promotional rate.
$500
Yes
$5,000
Yes
That 4.20% is a promotional rate.
$500
Yes
N/A
Yes
$2,500
Yes
N/A
Yes
$1,000
Yes
$100,000
Yes
$1,000
N/A
$2,500
Yes
$1,000
N/A
$1,000,000
N/A
Needs at least $100,000
$1,000
Yes
$1,000
Yes
$1,000
N/A
$1,000,000
N/A
$1,000
Yes
$100,000
N/A
$10,000
N/A
$1,000
Yes
$1,000
N/A
$1,000,000
N/A
$1,000
Yes
18 Month Raise Your Rate CD (With Transaction Account)
Term: 18 months
$1,000
Yes
$1,000
Yes
On balances of $1,000,000 to $5,000,000 · 3.68% below
$100,000
Yes
$1,000
Yes
That 3.85% is a promotional rate.
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$500
N/A
$1,000
Yes
Needs at least $250,000
$500
Yes
$1,000
Yes
$1,000
Yes
$100,000
Yes
$1,000
Yes
$100,000
Yes
$1,000
Yes
$100,000
Yes
$1,000
N/A
$100,000
Yes
$1,000
Yes
$1,000
N/A
$100,000
N/A
$50,000
Yes
Nationally Available CD Rates
The 8 highest CD rates available nationwide, including in Texas.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 60 Months60 months | 5.00% |
| Popular Direct | 48 Months48 months | 4.95% |
| Popular Direct | 36 Months36 months | 4.85% |
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Bread Savings | 18-Month CD18 months | 4.75% |
| Barclays | 24-Month CD24 months | 4.75% |
| Barclays | 60-Month CD60 months | 4.75% |
| Popular Direct | 24 Months24 months | 4.70% |