Highest 1-Year CD Rates in Texas
74 Texas-specific 12-Month CD products
The Texas market
Texas accounts
74
Institutions
55
Top Texas APY
4.22% APY
Nationally: 4.75% APY
FDIC national average
1.73%
As of Sep 2026
74 12-month CDs are open only to Texas residents, from 55 institutions. The highest advertised APY among them is 4.22%.
The highest nationally available rate is 4.75% APY, 53 basis points above the Texas leader.
62 of the 74 Texas 12-month CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Texas-Specific 12-Month CD Rates
12-Month CD rates specifically available to Texas residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.22%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #2 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #3 | 4.10%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.10%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #5 | 4.06%APY Observed: Oct 7, 2026 | $1,000 | ||
| #6 | 4.00%APY Observed: Oct 7, 2026 | $1,000 | ||
| #7 | 4.00%APY Observed: Oct 7, 2026 | $1,000,000 | ||
| #8 | 4.00%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #9 | 4.00%APY Observed: Oct 7, 2026 | $100,000 | ||
| #10 | 4.00%APY Observed: Oct 13, 2026 | $10,000 | ||
| #11 | 3.95%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #12 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #13 | 3.82%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.80%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #15 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #16 | Up to3.75%APY Needs at least $2,000,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #17 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $99,000 | ||
| #18 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.70%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #20 | Up to3.66%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #21 | Up to3.65%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #22 | Up to3.60%APY On balances of $50,000 to $99,999.99 · 2.50% below Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #23 | 3.56%APY Observed: Oct 7, 2026 Branches: Yes | $50,000 | ||
| #24 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #25 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #26 | Up to3.55%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #27 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.53%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #29 | 3.51%APY Observed: Oct 3, 2026 Branches: Yes | $100,000 | ||
| #30 | 3.51%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #31 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #32 | 3.50%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #33 | 3.45%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #34 | 3.35%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #35 | 3.34%APY Observed: Oct 8, 2026 Branches: Yes | $500 | ||
| #36 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #37 | 3.25%APY Observed: Oct 7, 2026 | $1,000 | ||
| #38 | Up to3.25%APY Needs at least $2,000,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | 3.24%APY Observed: Oct 8, 2026 Branches: Yes | $500 | ||
| #41 | 3.20%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 3.19%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #43 | 3.16%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #44 | Up to3.08%APY Needs at least $250,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #45 | 3.05%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #46 | 3.04%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #47 | 3.04%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #48 | 3.04%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #49 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #50 | 3.03%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 |
$5,000
Yes
$2,500
Yes
$1,000
Yes
$100,000
Yes
$1,000
N/A
$1,000
N/A
$1,000,000
N/A
$1,000
Yes
$100,000
N/A
$10,000
N/A
$1,000
Yes
$500
Yes
$1,000
Yes
$100,000
Yes
$1,000
Yes
Needs at least $2,000,000
$1,000
Yes
$99,000
Yes
$1,000
Yes
$100,000
Yes
Needs at least $50,000
$1,000
Yes
Needs at least $100,000
$1,000
Yes
On balances of $50,000 to $99,999.99 · 2.50% below
$2,500
Yes
$50,000
Yes
$500
Yes
$100,000
Yes
Needs at least $100,000
$500
Yes
$1,000
Yes
$100,000
Yes
$100,000
Yes
$1,000
Yes
$1,000
Yes
$10,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
N/A
Needs at least $2,000,000
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $250,000
$500
Yes
$100,000
Yes
$1,000
Yes
$100,000
Yes
$1,000
Yes
N/A
Yes
$1,000
Yes
Nationally Available 12-Month CD Rates
The 8 highest 12-Month CD rates available nationwide, including in Texas.
| Institution | Product / Term | APY |
|---|---|---|
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Barclays | 12-Month CD12 months | 4.50% |
| Popular Direct | 12 Months12 months | 4.50% |
| Bread Savings | 1-Year CD12 months | 4.45% |
| Live Oak Bank | 1 Year Personal CD12 months | 4.40% |
| Marcus by Goldman Sachs | 12-Month CD12 months | 4.40% |
| Sallie Mae Bank | 12-Month Certificates of deposit CDs12 months | 4.40% |
| Bask Bank | 12-Month12 months | 4.35% |