Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Houston
Below are the best three-month CD Rates from banks in Houston, Texas . Three-month CD rates are generally the shortest term offered by banks and come with the lowest interest rates. You may want to consider opening a 3-month CD if they the rates are comparable to a savings and money market account, you don’t need the money for the time period, and you feel that savings rates will drop.
Houston, TX - October 29, 2025
CD National Average : 2.24% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.25% |
$25,000 |
- |
Learn More
|
|
|
3 Month CD. |
||||
|
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 |
||||
|
4.15% |
$2,500 |
21.44 |
Learn More
|
|
|
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 |
||||
|
4.05% |
$1,000 |
16.05 |
Learn More
|
|
|
Rate History: 1.00% → 4.60% → 4.25% → 4.05% |
||||
|
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 |
||||
|
4.00% |
$1,000 |
8.07 |
Learn More
|
|
|
Rate History: 5.00% → 4.50% → 4.25% → 4.00% |
||||
|
MLB | Aug 29, 2019 Since Hancock Bank merged with Whitney Bank, it’s no longer the local bank it once was. Fees, gotcha gimmicks, underhanded surprises... It’s nothing more than another big, ugly, corporate bank looking ... Read More |
||||
|
3.50% |
$1,000 |
19.34 |
Learn More
|
|
|
Rate History: 3.85% → 3.75% → 4.00% → 3.75% → 3.50% |
||||
|
Customer | Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More |
||||
|
3.30% 2.95% |
$100,000 $1,000 |
18.33 |
Learn More
|
|
|
3.00% |
$0 |
4.77 |
Learn More
|
|
|
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 |
||||
|
2.53% |
$1,000 |
21.26 |
Learn More
|
|
|
Rate History: 4.59% → 3.05% → 2.53% |
||||
|
2.50% |
$500 |
21.73 |
Learn More
|
|
|
Rate History: 3.00% → 2.75% → 2.50% |
||||
|
Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
||||
|
2.50% |
$0 |
6.00 |
Learn More
|
|
|
Rate History: 1.00% → 4.50% → 2.50% |
||||
|
2.32% |
$500 |
23.48 |
Learn More
|
|
|
Rate History: 1.00% → 2.32% |
||||
|
2.27% |
$50,000 |
13.61 |
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 |
||||
|
1.50% |
$500 |
21.46 |
Learn More
|
|
|
Rate History: 1.50% → 1.50% |
||||
|
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 |
||||
|
0.20% |
$1,000 |
- |
Learn More
|
|
|
Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
||||
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
3 Month Certificates of Deposit offered by local banks are often the shortest term offered. Three month certificates of deposit rates underperform the returns on savings and money market accounts and have for some time. As a result, savers may find savings and money market accounts to offer a higher yield and more flexibility than a three year CD.
Any certificate of deposit will bear substantial penalties for early withdrawal, if it is even allowed. As a result of the penalty, depositors who might need to withdraw from short term CDs early will ordinary lose some of their principal. Under no circumstances should depositors open a 3 month CD if they think that there is any chance that they will need to access the money in less than 3 months.
While online banks often offer better rates on short term CDs, local banks are provide the convenience of walking into a branch to open a CD, deposit funds, or withdraw the CD when it matures. In addition, a CD is often an entree into a broader relationship with a financial institution which may become important if the depositor wishes to borrow money.
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