Highest 6-Month CD Rates in Texas
69 Texas-specific 6-Month CD products
The Texas market
Texas accounts
69
Institutions
51
Top Texas APY
4.05% APY
Nationally: 4.35% APY
FDIC national average
1.41%
As of Sep 2026
69 6-month CDs are open only to Texas residents, from 51 institutions. The highest advertised APY among them is 4.05%.
The highest nationally available rate is 4.35% APY, 30 basis points above the Texas leader.
56 of the 69 Texas 6-month CDs advertise more than the FDIC national average of 1.41% for 6-month CDs as of Sep 2026.
Texas-Specific 6-Month CD Rates
6-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 | 4.05%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #2 | 4.00%APY Observed: Oct 7, 2026 | $1,000 | ||
| #3 | 4.00%APY Observed: Oct 7, 2026 | $1,000,000 | ||
| #4 | 3.96%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #5 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #6 | 3.79%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #7 | 3.78%APY Observed: Oct 7, 2026 | $1,000 | ||
| #8 | 3.78%APY Observed: Oct 7, 2026 | $100,000 | ||
| #9 | 3.76%APY Observed: Oct 7, 2026 Branches: Yes | $50,000 | ||
| #10 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #11 | Up to3.75%APY Needs at least $250,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #12 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #13 | 3.65%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #14 | 3.60%APY Observed: Oct 7, 2026 | $1,000 | ||
| #15 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #16 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $99,000 | ||
| #17 | Up to3.58%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #18 | Up to3.56%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.55%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.53%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #21 | 3.53%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #22 | Up to3.53%APY On balances of $50,000 to $99,999.99 · 2.01% below Observed: Oct 13, 2026 Branches: Yes | $2,500 | ||
| #23 | Up to3.50%APY Needs at least $100,000 Observed: Oct 7, 2026 | $1,000 | ||
| #24 | 3.50%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #25 | 3.46%APY Observed: Oct 3, 2026 Branches: Yes | $100,000 | ||
| #26 | 3.44%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #27 | 3.41%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.40%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.33%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.33%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #31 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #32 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #33 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #34 | 3.24%APY Observed: Oct 8, 2026 Branches: Yes | $500 | ||
| #35 | 3.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | 3.14%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #37 | 3.09%APY Observed: Oct 8, 2026 Branches: Yes | $500 | ||
| #38 | 3.05%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #39 | 3.02%APY Observed: Oct 7, 2026 Branches: Yes | $250,000.01 | ||
| #40 | 3.02%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #41 | Up to3.00%APY Needs at least $2,000,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #43 | 2.89%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #44 | 2.88%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #45 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 2.62%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #47 | 2.59%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #48 | 2.53%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #49 | 2.52%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #50 | 2.52%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 |
$2,500
Yes
$1,000
N/A
$1,000,000
N/A
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
N/A
$100,000
N/A
$50,000
Yes
$1,000
Yes
Needs at least $250,000
$500
Yes
$1,000
Yes
$100,000
Yes
$1,000
N/A
N/A
Yes
$99,000
Yes
Needs at least $100,000
$500
Yes
Needs at least $50,000
$1,000
Yes
$1,000
Yes
$2,500
Yes
$100,000
Yes
On balances of $50,000 to $99,999.99 · 2.01% below
$2,500
Yes
Needs at least $100,000
$1,000
N/A
$10,000
Yes
$100,000
Yes
$100,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$100,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$100,000
Yes
$250,000.01
Yes
$1,000
Yes
Needs at least $2,000,000
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$2,500
Yes
$1,000
Yes
Nationally Available 6-Month CD Rates
The 8 highest 6-Month CD rates available nationwide, including in Texas.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 6 Months6 months | 4.35% |
| Climate First Bank | 6-Month CD6 months | 4.33% |
| Happen Bank | 6-Month CD6 months | 4.30% |
| Newtek Bank | 6-Month CD6 months | 4.30% |
| Ivy Bank | 6-Month High-Yield Certificate of Deposit6 months | 4.25% |
| E*TRADE from Morgan Stanley | 6-Month Certificates of Deposit6 months | 4.20% |
| Live Oak Bank | 6-Month Personal CD6 months | 4.20% |
| Colorado Federal Savings Bank | 6-Month CD6 months | 4.15% |