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You are viewing rates from banks across Texas
Below are two-year Certificates of Deposit (CD) rates from banks in Texas. Two-year CDs generally offer a higher rate than 1-year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.
TX - July 30, 2025
2 Year CD National Average : 0.66% ?
Banks | APY | MIN | MILES ? | |
---|---|---|---|---|
5.25% |
$500 |
- |
Learn More
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Rate History: 1.00% → 2.75% → 2.75% → 5.25% |
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Molddave | Aug 30, 2023 Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More |
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4.50% |
$25,000 |
- |
Learn More
|
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Rate History: 4.50% → 4.50% → 4.50% |
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aprz | Jul 3, 2019 Just set up an account. Don't know long term yet, however they were (Kelsey) a dream to work with. Read More |
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4.50% |
$10,000 |
- |
Learn More
|
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Rate History: 5.00% → 4.50% |
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dennisphillipslee@gmail.com | Jun 22, 2023 I have been with The Mint Ntl Bank for going on the 3rd yr. They have always taken care of my CD investment and changes that come after the maturity (yearly) date. I highly recommend them! Read More |
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4.25% |
$500 |
- |
Learn More
|
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BW | Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More |
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4.15% |
$10,000 |
- |
Learn More
|
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Early Withdrawal Penalty is 270 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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4.11% |
$500 |
- |
Learn More
|
|
Early Withdrawal Penalty is 90 days interest. |
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JBaker65 | May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More |
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4.10% |
$25,000 |
- |
Learn More
|
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
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4.01% |
$1,000 |
- |
Learn More
|
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Rate History: 4.45% → 4.20% → 3.70% → 3.70% → 4.01% |
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ytr0171 | Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More |
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4.00% |
$5,000 |
- |
Learn More
|
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Early Withdrawal Penalty is 6 months Interest. |
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jp2 | Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More |
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4.00% |
$500 |
- |
Learn More
|
|
Rate History: 4.85% → 4.25% → 3.75% → 3.50% → 4.00% |
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Dudley | Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More |
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4.00% |
$500 |
- |
Learn More
|
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Early Withdrawal Penalty is 90 days interest. |
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Richard | Jul 1, 2022 Very easy opening process and wonderful staff. Read More |
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4.00% |
$2,500 |
- |
Learn More
|
|
Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00% |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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4.00% |
$1,500 |
- |
Learn More
|
|
Early withdrawal penalty is 180 days interest. |
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m abram | Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More |
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4.00% |
$25,000 |
- |
Learn More
|
|
Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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4.00% |
$1,000 |
- |
Learn More
|
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Early Withdrawal Penalty is 180 days interest. |
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Yat 1965 | Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More |
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4.00% |
$5,000 |
- |
Learn More
|
|
Rate History: 4.50% → 4.40% → 5.40% → 4.40% → 4.00% |
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A Terkowitz | Feb 15, 2024 I have always had great experiences with short-term CDs from this bank. No delays. Read More |
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4.00% 3.60% |
$100,000 $1,000 |
- |
Learn More
|
|
4.00% |
$1,000 |
- |
Learn More
|
|
Early Withdrawal Penalty is 180 days interest. |
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smithy1968 | Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More |
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3.95% |
$500 |
- |
Learn More
|
|
Rate History: 4.00% → 3.90% → 3.70% → 4.10% → 3.95% |
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A Terkowitz | Feb 15, 2024 best bank on the list but no longer the most competitive Read More |
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3.90% 3.25% |
$1,000 $100,000 |
- |
Learn More
|
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Early Withdrawal Penalty is 180 days interest. |
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Az1 | Aug 26, 2022 Too slow to raise rates. Read More |
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3.90% |
$1,000 |
- |
Learn More
|
|
Early Withdrawal Penalty is 180 days interest. |
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Rob H. | Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More |
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3.85% |
$0 |
- |
Learn More
|
|
Rate History: 4.75% → 4.00% → 3.50% → 3.85% |
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Chris | Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More |
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3.85% |
$1,000 |
- |
Learn More
|
|
3.82% |
$1,000 |
- |
Learn More
|
|
Early Withdrawal Penalty is 360 days interest. |
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Beenthere | Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More |
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3.80% |
$2,500 |
- |
Learn More
|
|
Rate History: 4.20% → 4.00% → 3.60% → 4.10% → 3.80% |
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AVOID_ READ_CAREFULLY | Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More |
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3.77% |
$10,000 |
- |
Learn More
|
|
Warning: Early Withdrawal Penalty is 2% of principal. |
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Hello VirtualBank? | Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More |
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3.75% |
$1,000 |
- |
Learn More
|
|
Rate History: 1.91% → 2.02% → 3.75% |
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rick | Nov 3, 2023 site does not update at all, totally wrong rates listed Read More |
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3.75% |
$500 |
- |
Learn More
|
|
Rate History: 4.35% → 4.15% → 4.00% → 3.75% |
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James A. Elder | Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More |
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3.75% |
$1,000 |
- |
Learn More
|
|
Rate History: 3.61% → 3.75% |
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6CellBattery | Aug 26, 2023 I have no issues with Bask Bank nor Texas Capital Bank. They provide good apy on savings and CD's, bank to keep funds secured so yes they do have strict security measures but if you don't like it than go ... Read More |
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3.65% |
$1,000 |
- |
Learn More
|
|
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. |
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smithy1968 | Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More |
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3.60% |
$500 |
- |
Learn More
|
|
Rate History: 3.35% → 3.60% |
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JohnC | Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More |
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3.60% |
$1,000 |
- |
Learn More
|
|
Warning: Early Withdrawal Penalty is 270 days interest. |
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Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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3.55% |
$10,000 |
- |
Learn More
|
|
Rate History: 4.80% → 3.55% |
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Ange | Aug 20, 2019 Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More |
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3.50% |
$500 |
- |
Learn More
|
|
Early Withdrawal Penalty is 12 months interest. |
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3.50% |
$0 |
- |
Learn More
|
|
Rate History: 4.20% → 4.50% → 4.00% → 3.70% → 3.50% |
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NS123 | Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More |
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3.50% |
$0 |
- |
Learn More
|
|
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50% |
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Rad | Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More |
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3.50% |
$0 |
- |
Learn More
|
|
Rate History: 4.40% → 4.20% → 4.00% → 3.90% → 3.50% |
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mcriss | Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More |
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3.50% |
$500 |
- |
Learn More
|
|
Warning: Early withdrawal penalty is 12 months of interest |
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Mike Brown | Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More |
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3.50% |
$2,500 |
- |
Learn More
|
|
Early Withdrawal Penalty is 180 days interest. |
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overdrawn | Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More |
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3.50% |
$2,500 |
- |
Learn More
|
|
Rate History: 1.50% → 3.50% |
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dbestway@gmail.com | Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More |
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3.50% |
$5,000 |
- |
Learn More
|
|
james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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3.50% |
$500 |
- |
Learn More
|
|
Rate History: 3.50% → 3.50% → 3.75% → 3.50% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.50% |
$0 |
- |
Learn More
|
|
Rate History: 4.20% → 4.00% → 3.70% → 3.60% → 3.50% |
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highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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3.50% |
$500 |
- |
Learn More
|
|
Rate History: 4.25% → 4.00% → 3.50% → 4.00% → 3.50% |
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3.50% |
$5,000 |
- |
Learn More
|
|
Rate History: 3.75% → 3.50% → 3.75% → 3.50% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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3.50% 2.95% |
$10,000 $500 |
- |
Learn More
|
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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LarryMass | Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More |
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3.49% 3.00% |
$100,000 $1,000 |
- |
Learn More
|
|
Rate History: 4.06% → 3.49% |
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3.45% |
$1,000 |
- |
Learn More
|
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Rate History: 4.30% → 4.20% → 4.15% → 3.45% |
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3.45% 0.30% |
$250,000 $1,000 |
- |
Learn More
|
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Rate History: 3.95% → 3.70% → 3.90% → 3.60% → 3.45% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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3.36% |
$1,000 |
- |
Learn More
|
|
3.35% |
$500 |
- |
Learn More
|
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Rate History: 4.07% → 3.71% → 3.51% → 3.35% |
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3.35% 3.30% |
$100,000 $500 |
- |
Learn More
|
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3.34% |
$500 |
- |
Learn More
|
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Gary Smith | Jan 28, 2025 4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More |
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3.29% |
$500 |
- |
Learn More
|
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3.25% |
$1,000 |
- |
Learn More
|
|
Rate History: 3.50% → 3.25% |
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3.24% 2.98%2.73% |
$250,000 $10,000$1,000 |
- |
Learn More
|
|
3.20% |
$50,000 |
- |
Learn More
|
|
Geoffrey Christopher 1 | Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More |
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3.00% |
$0 |
- |
Learn More
|
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Early Withdrawal Penalty is 180 days interest. |
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LenaL | May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More |
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3.00% |
$1,000 |
- |
Learn More
|
|
Rate History: 4.20% → 4.00% → 3.80% → 3.00% |
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2.75% |
$0 |
- |
Learn More
|
|
Early Withdrawal Penalty is 180 days interest. |
||||
Jenny Kingston | Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More |
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2.75% |
$1,000 |
- |
Learn More
|
|
Rate History: 3.50% → 3.25% → 2.80% → 2.70% → 2.75% |
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2.53% |
$1,000 |
- |
Learn More
|
|
Rate History: 3.05% → 2.53% |
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2.53% |
$1,000 |
- |
Learn More
|
|
Rate History: 1.00% → 2.53% |
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2.50% |
$1,000 |
- |
Learn More
|
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Early Withdrawal Penalty in 180 days interest. |
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J Dally | Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More |
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2.25% |
$1,000 |
- |
Learn More
|
|
Rate History: 3.00% → 2.50% → 2.25% |
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not perfect but | Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More |
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2.25% |
$500 |
- |
Learn More
|
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Rate History: 1.00% → 1.55% → 2.25% → 3.50% → 2.25% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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2.05% |
$100,000 |
- |
Learn More
|
|
Rate History: 3.05% → 1.55% → 2.30% → 2.05% |
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Aku | May 29, 2020 Dua Read More |
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2.00% |
$10,000 |
- |
Learn More
|
|
Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.75% |
$1,000 |
- |
Learn More
|
|
1.75% |
$1,000 |
- |
Learn More
|
|
1.65% |
$1,000 |
- |
Learn More
|
|
Rate History: 4.40% → 4.00% → 3.85% → 2.60% → 1.65% |
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RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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1.50% |
$1,000 |
- |
Learn More
|
|
Rate History: 0.05% → 1.50% |
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GAM | Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More |
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1.40% |
$1,000 |
- |
Learn More
|
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Rate History: 4.25% → 2.60% → 1.40% |
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Azblondie007 | Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More |
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1.40% |
$100,000 |
- |
Learn More
|
|
1.35% |
$1,000 |
- |
Learn More
|
|
Rate History: 0.90% → 1.35% |
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ruler009 | May 26, 2017 Before009 Read More |
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1.26% |
$1,000 |
- |
Learn More
|
|
Rate History: 1.26% → 1.50% → 1.26% |
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1.25% |
$0 |
- |
Learn More
|
|
Rate History: 1.00% → 2.00% → 1.25% → 2.00% → 1.25% |
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Stella | Apr 30, 2019 No issues. I feel confident using them. Read More |
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1.21% |
$10,000 |
- |
Learn More
|
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1.21% |
$100,000 |
- |
Learn More
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1.16% |
$100,000 |
- |
Learn More
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1.16% |
$100,000 |
- |
Learn More
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Mike Smith | Dec 1, 2020 This Bank and Bank of Brenham were great to deal with. Just a little drive out to the country and definitely worth it. Read More |
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1.16% |
$100,000 |
- |
Learn More
|
|
mdubois77077@yahoo.com | May 3, 2016 Branchs locations, Houston, Tx. Read More |
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1.16% |
$100,000 |
- |
Learn More
|
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Jon Davis | Jun 25, 2016 Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More |
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1.16% |
$100,000 |
- |
Learn More
|
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Bob Collier | Dec 1, 2020 Worth the drive out to the country! Read More |
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1.16% |
$100,000 |
- |
Learn More
|
|
1.15% |
$10,000 |
- |
Learn More
|
|
Steve | Mar 19, 2021 ... Read More |
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1.15% |
$10,000 |
- |
Learn More
|
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1.15% |
$10,000 |
- |
Learn More
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1.11% |
$10,000 |
- |
Learn More
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|
1.11% |
$100,000 |
- |
Learn More
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CFO | Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More |
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1.10% |
$90,000 |
- |
Learn More
|
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1.10% |
$100,000 |
- |
Learn More
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1.10% |
$100,000 |
- |
Learn More
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1.10% |
$10,000 |
- |
Learn More
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1.10% |
$100,000 |
- |
Learn More
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1.10% |
$100,000 |
- |
Learn More
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1.06% |
$500 |
- |
Learn More
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1.06% |
$10,000 |
- |
Learn More
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Mike Smith | Dec 1, 2020 This Bank and Bank of Brenham were great to deal with. Just a little drive out to the country and definitely worth it. Read More |
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1.06% |
$10,000 |
- |
Learn More
|
|
mdubois77077@yahoo.com | May 3, 2016 Branchs locations, Houston, Tx. Read More |
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1.06% |
$10,000 |
- |
Learn More
|
|
Jon Davis | Jun 25, 2016 Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More |
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1.06% |
$10,000 |
- |
Learn More
|
|
Bob Collier | Dec 1, 2020 Worth the drive out to the country! Read More |
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1.06% |
$10,000 |
- |
Learn More
|
|
1.05% |
$10,000 |
- |
Learn More
|
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1.05% |
$10,000 |
- |
Learn More
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1.05% |
$10,000 |
- |
Learn More
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1.05% |
$100,000 |
- |
Learn More
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1.05% |
$100,000 |
- |
Learn More
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1.01% |
$1,000 |
- |
Learn More
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|
1.01% |
$10,000 |
- |
Learn More
|
|
CFO | Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More |
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1.01% |
$10,000 |
- |
Learn More
|
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Randall Stewart | Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More |
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1.00% |
$10,000 |
- |
Learn More
|
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1.00% |
$100,000 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
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1.00% |
$10,000 |
- |
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Rate History: 4.00% → 1.00% → 4.00% → 1.00% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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1.00% |
$10,000 |
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1.00% |
$100,000 |
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1.00% |
$1,000 |
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1.00% |
$10,000 |
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1.00% |
$10,000 |
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1.00% |
$100,000 |
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1.00% |
$10,000 |
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|
Rhepler | Aug 4, 2022 Great CD rates & service Read More |
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1.00% |
$10,000 |
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1.00% |
$100,000 |
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1.00% |
$10,000 |
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1.00% |
$10,000 |
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Ann Wagner | May 1, 2016 I have had this bank for the past 10 years and I would not want to change banks due to friendly customer service over the phone as I live a hundred miles from this bank. I always get my questions answered ... Read More |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
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1.00% |
$10,000 |
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1.00% |
$10,000 |
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1.00% |
$100,000 |
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1.00% |
$10,000 |
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1.00% |
$10,000 |
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0.99% |
$10,000 |
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0.96% |
$10,000 |
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0.96% |
$100,000 |
- |
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0.95% |
$100,000 |
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0.95% |
$1,000 |
- |
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|
0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
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0.90% |
$500 |
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|
0.90% |
$100,000 |
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|
0.90% |
$10,000 |
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0.90% |
$100,000 |
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0.90% |
$10,000 |
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0.90% |
$100,000 |
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|
0.90% |
$10,000 |
- |
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|
0.90% |
$1,000 |
- |
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|
0.85% |
$10,000 |
- |
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0.85% |
$100,000 |
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0.85% |
$500 |
- |
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|
0.85% |
$10,000 |
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0.85% |
$100,000 |
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0.85% |
$10,000 |
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0.85% |
$10,000 |
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0.85% |
$10,000 |
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0.85% |
$10,000 |
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0.85% |
$100,000 |
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0.85% |
$1,000 |
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0.85% |
$10,000 |
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|
0.85% |
$10,000 |
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0.85% |
$10,000 |
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0.85% |
$10,000 |
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0.80% |
$10,000 |
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0.80% |
$10,000 |
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0.80% |
$100,000 |
- |
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0.80% |
$1,000 |
- |
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|
0.80% |
$100,000 |
- |
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|
0.80% |
$10,000 |
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|
Splashgirl1961@gmail.com | Jan 8, 2024 Awful, rude unprofessional! Beware Read More |
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0.80% |
$100,000 |
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0.80% |
$10,000 |
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0.80% |
$10,000 |
- |
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0.80% |
$10,000 |
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|
0.80% |
$100,000 |
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0.80% |
$10,000 |
- |
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0.80% |
$10,000 |
- |
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|
0.78% |
$100,000 |
- |
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|
0.76% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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|
0.75% |
$1,000 |
- |
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|
0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.75% |
$100,000 |
- |
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|
0.75% |
$10,000 |
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|
0.75% |
$5,000 |
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|
0.75% |
$10,000 |
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0.75% |
$1,000 |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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|
0.75% |
$10,000 |
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|
rhon1334 | Aug 12, 2021 Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More |
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0.75% |
$10,000 |
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|
0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.75% |
$1,000 |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.75% |
$10,000 |
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0.74% |
$100,000 |
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0.71% |
$100,000 |
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|
0.71% |
$2,500 |
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|
0.71% |
$100,000 |
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0.70% |
$10,000 |
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|
0.70% |
$50,000 |
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|
0.70% |
$100,000 |
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|
Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.70% |
$10,000 |
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0.70% |
$10,000 |
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0.70% |
$10,000 |
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0.70% |
$10,000 |
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0.70% |
$10,000 |
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0.70% |
$100,000 |
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0.70% |
$10,000 |
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|
0.70% |
$10,000 |
- |
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|
|
utpara4 | Jan 23, 2021 This is the WORST bank ever!! We had a substantial amount of money taken from our accounts. When we first discovered it, we immediately met with Sue Hearn, VP in The Woodlands. Her first reaction was to ... Read More |
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0.70% |
$100,000 |
- |
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|
|
0.68% |
$10,000 |
- |
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|
0.65% |
$1,000 |
- |
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|
0.65% |
$100,000 |
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0.65% |
$100,000 |
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0.65% |
$10,000 |
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0.65% |
$100,000 |
- |
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Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
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0.65% |
$10,000 |
- |
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|
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RHG | Jan 29, 2019 The Bank does not have this product. Read More |
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0.65% |
$100,000 |
- |
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0.65% |
$100,000 |
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0.65% |
$10,000 |
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|
0.65% |
$100,000 |
- |
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Cindy | Mar 6, 2021 You guys have four “ Lobby Open “ signs outside on each corner of the bank .I’m new and do not know your lobby hours yet so I depended on the four “ Lobby Open “signs . I was dropped off there i... Read More |
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0.65% |
$100,000 |
- |
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|
|
0.65% |
$10,000 |
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|
0.65% |
$10,000 |
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0.65% |
$100,000 |
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0.65% |
$100,000 |
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0.65% |
$100,000 |
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|
0.64% |
$1,000 |
- |
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|
0.61% |
$10,000 |
- |
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|
0.60% |
$100,000 |
- |
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|
0.60% |
$1,000 |
- |
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0.60% |
$100,000 |
- |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$100,000 |
- |
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0.60% |
$10,000 |
- |
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|
0.60% |
$10,000 |
- |
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0.60% |
$1,000 |
- |
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0.60% |
$100,000 |
- |
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|
0.60% |
$10,000 |
- |
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|
|
rhon1334 | Aug 12, 2021 Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More |
||||
0.60% |
$10,000 |
- |
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|
|
Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
||||
0.60% |
$10,000 |
- |
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|
0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$100,000 |
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0.60% |
$100,000 |
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|
0.60% |
$10,000 |
- |
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|
|
Cindy | Mar 6, 2021 You guys have four “ Lobby Open “ signs outside on each corner of the bank .I’m new and do not know your lobby hours yet so I depended on the four “ Lobby Open “signs . I was dropped off there i... Read More |
||||
0.60% |
$100,000 |
- |
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|
|
0.60% |
$100,000 |
- |
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|
0.60% |
$100,000 |
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0.60% |
$100,000 |
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0.60% |
$10,000 |
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0.55% |
$100,000 |
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0.55% |
$100,000 |
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0.55% |
$1,000 |
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0.55% |
$1,000 |
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0.55% |
$100,000 |
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0.55% |
$10,000 |
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0.55% |
$100,000 |
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0.55% |
$10,000 |
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0.55% |
$100,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$100,000 |
- |
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FEE free now | Sep 3, 2021 I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More |
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0.55% |
$10,000 |
- |
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|
carfuss2000 | Mar 10, 2021 when and what is cost Read More |
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0.55% |
$100,000 |
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0.55% |
$100,000 |
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0.55% |
$10,000 |
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0.50% |
$100,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$1,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$100,000 |
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0.50% |
$100,000 |
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0.50% |
$100,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$5,000 |
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0.50% |
$500 |
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0.50% |
$1,000 |
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0.50% |
$1,000 |
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0.50% |
$0 |
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|
Rate History: 2.00% → 0.50% |
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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0.50% |
$10,000 |
- |
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|
|
Ernie Bramlett | Sep 30, 2015 Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$100,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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|
charles gregory | Dec 14, 2018 I stayed with Vantage bank when they merged with DHanis bank because of the excellent service there . That remained excellent till you change the ability to deal locally. At the beginning of this review I ... Read More |
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0.50% |
$10,000 |
- |
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|
|
0.50% |
$10,000 |
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|
dionpayne | Jun 28, 2017 showmefivethousanddollars Read More |
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0.50% |
$100,000 |
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0.50% |
$100,000 |
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0.50% |
$10,000 |
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0.50% |
$100,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
- |
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|
FEE free now | Sep 3, 2021 I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More |
||||
0.50% |
$10,000 |
- |
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|
|
Looking | Sep 7, 2023 Went to Stellar bank off Bay Area yesterday 8/6/23. I was 1 minute late, but a gentleman let me in and instructed me to a lady to my left. Unfortunately, the ONLY words to me that she said was "just to let... Read More |
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0.50% |
$10,000 |
- |
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|
0.50% |
$10,000 |
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|
0.50% |
$100,000 |
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|
0.49% |
$10,000 |
- |
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|
Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
||||
0.45% |
$10,000 |
- |
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|
|
0.45% |
$10,000 |
- |
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|
elizabethcoker22@gmail.com | Mar 6, 2021 My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More |
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0.45% |
$10,000 |
- |
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|
|
wello50 | Jul 1, 2021 What day of the month do you report to the credit bureaus Read More |
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0.45% |
$10,000 |
- |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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|
BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.45% |
$10,000 |
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|
0.45% |
$100,000 |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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0.45% |
$100,000 |
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0.45% |
$2,500 |
- |
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|
0.45% |
$10,000 |
- |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
- |
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0.45% |
$100,000 |
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|
0.45% |
$10,000 |
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|
0.45% |
$10,000 |
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|
0.44% |
$10,000 |
- |
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|
0.42% |
$10,000 |
- |
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|
|
0.41% |
$1,000 |
- |
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|
|
hi | May 21, 2021 this bank is pooooooooooooooooooop Read More |
||||
0.40% |
$10,000 |
- |
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|
|
0.40% |
$1,000 |
- |
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|
|
RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
||||
0.40% |
$10,000 |
- |
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|
|
0.40% |
$50,000 |
- |
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0.40% |
$100,000 |
- |
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0.40% |
$10,000 |
- |
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0.40% |
$100,000 |
- |
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0.40% |
$10,000 |
- |
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|
0.40% |
$250 |
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|
0.40% |
$1,000 |
- |
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|
|
0.40% |
$1,000 |
- |
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|
|
0.40% |
$1,000 |
- |
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|
|
0.40% |
$10,000 |
- |
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|
0.40% |
$10,000 |
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.40% |
$10,000 |
- |
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|
0.40% |
$100,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
0.40% |
$100,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
0.40% |
$100,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
|
0.40% |
$10,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
|
0.40% |
$10,000 |
- |
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|
|
0.38% |
$10,000 |
- |
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|
0.38% |
$10,000 |
- |
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|
0.35% |
$10,000 |
- |
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|
0.35% |
$2,500 |
- |
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|
0.35% |
$10,000 |
- |
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|
0.35% |
$10,000 |
- |
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|
0.35% |
$10,000 |
- |
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|
0.35% |
$10,000 |
- |
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|
0.35% |
$10,000 |
- |
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|
0.35% |
$10,000 |
- |
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|
0.35% |
$10,000 |
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|
0.35% |
$1,000 |
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RICSHA | Sep 8, 2021 Just moved to south Texas from Oregon, and needed to open a local checking account. I liked the name, Lone Star National Bank so decided to give them a try; and am so glad that I did. Went to the lobby b... Read More |
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0.35% |
$10,000 |
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|
0.35% |
$10,000 |
- |
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|
0.35% |
$10,000 |
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|
0.35% |
$10,000 |
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0.33% |
$1,000 |
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.30% |
$95,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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|
0.30% |
$10,000 |
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|
0.30% |
$100,000 |
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|
0.30% |
$10,000 |
- |
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|
0.30% |
$100,000 |
- |
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|
0.30% |
$10,000 |
- |
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|
0.30% |
$10,000 |
- |
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Olin | Sep 27, 2023 They take excellent care of their customers. Wish they had more branches. I appreciate they are so involved in their respective communities. Read More |
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0.25% |
$10,000 |
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|
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UtahJazz1 | Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More |
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0.25% |
$1,000 |
- |
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|
|
0.25% |
$1,000 |
- |
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Ramiro Saucedo | Oct 7, 2019 Just recently had the pleasure of doing a finance of some rental units. Mr. Hale and his staff were very professional and efficient in this process. I highly recommend them to anyone in our community. Read More |
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0.25% |
$10,000 |
- |
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homegirl | Aug 7, 2021 Worst banking institution I have ever dealt with. Three months to provide payment coupons and return envelopes. Into second year of erroneously instituted property tax and insurance coverage escrow failur... Read More |
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0.25% |
$10,000 |
- |
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.25% |
$10,000 |
- |
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|
|
0.25% |
$10,000 |
- |
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Ralph | Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More |
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0.25% |
$10,000 |
- |
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|
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Lori Kroko | Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More |
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0.25% |
$10,000 |
- |
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|
0.25% |
$10,000 |
- |
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|
0.25% |
$100,000 |
- |
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|
0.24% |
$10,000 |
- |
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|
0.20% |
$1,000 |
- |
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wertlkgt | Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More |
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0.20% |
$1,000 |
- |
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jim | Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More |
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0.20% |
$1,000 |
- |
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HB | Sep 12, 2023 Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More |
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0.20% |
$10,000 |
- |
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|
0.20% |
$10,000 |
- |
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|
0.20% |
$10,000 |
- |
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|
0.20% |
$10,000 |
- |
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Traci Mitchell | Jul 3, 2024 have been a customer of Broadway National Bank's Wealth Management Division for over 30 years (since 1990), but my recent experiences have been deeply troubling. Following the retirement of my previous tru... Read More |
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0.20% |
$10,000 |
- |
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|
0.20% |
$10,000 |
- |
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|
0.20% |
$10,000 |
- |
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|
0.15% |
$10,000 |
- |
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Bauhinia C | Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More |
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0.15% |
$10,000 |
- |
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|
0.10% |
$1 |
- |
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Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
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0.10% |
$1,000 |
- |
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|
0.10% |
$1,000 |
- |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.10% |
$10,000 |
- |
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|
0.10% |
$10,000 |
- |
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|
0.10% |
$10,000 |
- |
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|
0.06% |
$10,000 |
- |
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|
0.06% |
$1,000 |
- |
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|
0.05% |
$500 |
- |
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|
0.05% |
$2,500 |
- |
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|
Rate History: 0.01% → 0.05% |
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Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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0.05% 0.01% |
$2,501 $2,500 |
- |
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|
Rate History: 0.03% → 0.05% |
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0.05% |
$500 |
- |
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|
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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0.05% |
$10,000 |
- |
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|
0.05% |
$500 |
- |
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|
|
Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.03% |
$25,000 |
- |
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GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
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0.03% |
$100,000 |
- |
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|
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.
While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.
In general, if rates are rising, it makes sense not to lock up money for an extended period of time.
If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.
Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates