Best 4-Year CD Rates in Texas, TX

You are viewing rates from banks across Texas

Below are four-year CD Rates from banks in Texas . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

TX - July 31, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
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
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
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 Reviews (2)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
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 Reviews (10)
The MINT National Bank The Mint National Bank Branch	4.00%	$10,000	-	Learn More
Rate History: 4.00% → 3.70% → 4.00%
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 Reviews (1)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Harmony Bank Uptown Branch	3.95%	$1,000	-	Learn More Add Review
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
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 Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
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 Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
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
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
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
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
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
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
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
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
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
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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
Capital One, National Association Forest & Greenville Branch	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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 Reviews (14)
Amerant Bank, Formerly Mercantil Bank Town & Country Bank Branch	3.50%	$500	-	Learn More
Rate History: 2.75% → 2.75% → 4.00% → 3.75% → 3.50%
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 Reviews (2)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
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
Beal Bank Beal Bank, Ssb Branch	3.45%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80% → 3.45%
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
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 Reviews (3)
Bank of Hope Fort Worth Branch	3.35% 0.35%	$250,000 $1,000	-	Learn More
Rate History: 3.55% → 3.45% → 3.65% → 3.35%
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 Reviews (1)
T Bank, National Association T Bank, National Association Branch	3.35% 3.30%	$100,000 $500	-	Learn More Add Review
NexBank Preston Center Branch	3.34%	$10,000	-	Learn More
Rate History: 4.45% → 3.34%
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 Reviews (2)
First Financial Bank, National Association Fm 1488 Branch	3.29%	$500	-	Learn More Add Review
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
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 Reviews (33)
Customers Bank	3.25%	$500	-	Learn More
Rate History: 3.75% → 4.00% → 3.25%
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 Reviews (3)
Texas Bank Rhones Quarter Rd. Branch	3.04%	$500	-	Learn More Add Review
Rate History: 4.07% → 3.71% → 3.51% → 3.35% → 3.04%
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Amarillo National Bank Medical Center Drive-Up Branch	3.00%	$1,000	-	Learn More Add Review
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
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
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Charter Bank Rockport Branch	2.75%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 2.75% → 2.65% → 2.75%
Zions Bank East Bernard Branch	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
New Millennium Bank	2.00%	$500	-	Learn More Add Review
Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00%
Citibank, National Association Las Colinas Employee Financial Cente Branch	2.00%	$0	-	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 Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Dripping Springs Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
BOKF, National Association Coppell Branch	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
Henderson Federal Savings Bank Henderson Federal Savings Bank Branch	1.51%	$100,000	-	Learn More Add Review
USAA Federal Savings Bank Usaa Federal Savings Bank Branch	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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 Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Henderson Federal Savings Bank Henderson Federal Savings Bank Branch	1.41%	$10,000	-	Learn More Add Review
Central National Bank Temple Branch	1.40%	$10,000	-	Learn More Add Review
The First National Bank of Moody The First National Bank Of Moody Branch	1.36%	$1,000	-	Learn More Add Review
Security Bank of Crawford Security Bank Of Crawford Branch	1.35%	$10,000	-	Learn More Add Review
Texana Bank, National Association Texana Bank, National Association Branch	1.35%	$10,000	-	Learn More
Steve \| Mar 19, 2021 ... Read More Reviews (2)
Crossroads Bank First State Bank Branch	1.31%	$100,000	-	Learn More Add Review
First State Bank of Bedias First State Bank Of Bedias Branch	1.31%	$100,000	-	Learn More Add Review
Woodforest National Bank 0360 Missouri City Texas Walmart Bra Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
First State Bank First State Bank Branch	1.26%	$1,000	-	Learn More Add Review
UBank Huntington State Bank Branch	1.26%	$10,000	-	Learn More Add Review
Greater State Bank 412 N Smith Branch	1.26%	$100,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
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
Fort Davis State Bank Alpine Branch	1.25%	$100,000	-	Learn More Add Review
Citizens State Bank Detached Facility Branch	1.24%	$1,000	-	Learn More Add Review
Sage Capital Bank, Lockhart Branch	1.21%	$90,000	-	Learn More Add Review
Ciera Bank Fort Worth Branch	1.21%	$10,000	-	Learn More Add Review
Cendera Bank, National Association Cendera Bank, National Association Branch	1.21%	$100,000	-	Learn More Add Review
First State Bank of Bedias First State Bank Of Bedias Branch	1.21%	$10,000	-	Learn More Add Review
Fort Davis State Bank Alpine Branch	1.20%	$1,000	-	Learn More Add Review
Crossroads Bank First State Bank Branch	1.20%	$10,000	-	Learn More Add Review
Fayette Savings Bank, SSB 87 North Kessler Branch	1.20%	$10,000	-	Learn More Add Review
Kleberg Bank, N.A. Kleberg National Bank - Heb Saratoga Branch	1.20%	$100,000	-	Learn More Add Review
Fayetteville Bank W. Travis Lagrange Branch	1.16%	$100,000	-	Learn More Add Review
Industry State Bank 2001 Hwy 71s Branch	1.16%	$100,000	-	Learn More
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 Reviews (1)
The First National Bank of Tom Bean Clarksville Branch	1.16%	$10,000	-	Learn More
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 Reviews (1)
Citizens State Bank First National Bank Branch	1.16%	$100,000	-	Learn More
mdubois77077@yahoo.com \| May 3, 2016 Branchs locations, Houston, Tx. Read More Reviews (1)
The First National Bank of Bellville Waller Branch	1.16%	$100,000	-	Learn More
Jon Davis \| Jun 25, 2016 Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More Reviews (2)
Bank of Brenham, National Association Bank Of Brenham, National Association Branch	1.16%	$100,000	-	Learn More
Bob Collier \| Dec 1, 2020 Worth the drive out to the country! Read More Reviews (4)
The First National Bank of Shiner Cuero Branch	1.16%	$100,000	-	Learn More Add Review
Cendera Bank, National Association Cendera Bank, National Association Branch	1.15%	$10,000	-	Learn More Add Review
First Guaranty Bank Mckinney Branch	1.15%	$10,000	-	Learn More Add Review
Farmers Bank & Trust Company New Boston Branch	1.15%	$10,000	-	Learn More Add Review
United Texas Bank United Texas Bank Branch	1.15%	$1,000	-	Learn More Add Review
Fannin Bank Honey Grove Branch	1.15%	$10,000	-	Learn More Add Review
First Federal Community Bank, SSB First Federal Community Bank, Ssb Branch	1.15%	$10,000	-	Learn More Add Review
SouthStar Bank, S.S.B. Brazoria Branch	1.15%	$100,000	-	Learn More Add Review
Round Top State Bank Lexington Texas Branch	1.15%	$10,000	-	Learn More Add Review
Kleberg Bank, N.A. Kleberg National Bank - Heb Saratoga Branch	1.15%	$10,000	-	Learn More Add Review
POINTWEST BANK Hewitt Branch	1.15%	$10,000	-	Learn More Add Review
State Bank of De Kalb Detached Drive-In Facility Branch	1.11%	$10,000	-	Learn More Add Review
Spring Hill State Bank Spring Hill State Bank Branch	1.11%	$100,000	-	Learn More Add Review
Bank 7 Dallas Branch	1.11%	$10,000	-	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More Reviews (1)
Interstate Bank Amarillo Branch	1.10%	$100,000	-	Learn More Add Review
First National Bank of Dublin First National Bank Of Dublin Branch	1.10%	$10,000	-	Learn More Add Review
Austin County State Bank Austin County State Bank Branch	1.10%	$100,000	-	Learn More Add Review
Schertz Bank & Trust Schertz Bank & Trust Branch	1.10%	$10,000	-	Learn More Add Review
TrustTexas Bank, SSB Kyle Branch	1.10%	$100,000	-	Learn More
CFO \| Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More Reviews (2)
Fayetteville Bank W. Travis Lagrange Branch	1.06%	$500	-	Learn More Add Review
Industry State Bank 2001 Hwy 71s Branch	1.06%	$10,000	-	Learn More
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 Reviews (1)
Citizens State Bank First National Bank Branch	1.06%	$10,000	-	Learn More
mdubois77077@yahoo.com \| May 3, 2016 Branchs locations, Houston, Tx. Read More Reviews (1)
The First National Bank of Bellville Waller Branch	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 Reviews (2)
Bank of Brenham, National Association Bank Of Brenham, National Association Branch	1.06%	$10,000	-	Learn More
Bob Collier \| Dec 1, 2020 Worth the drive out to the country! Read More Reviews (4)
The First National Bank of Shiner Cuero Branch	1.06%	$10,000	-	Learn More Add Review
The First National Bank of Hebbronville The First National Bank Of Hebbronvi Branch	1.06%	$100,000	-	Learn More Add Review
Commercial National Bank of Texarkana Commercial National Bank Of Texarkan Branch	1.05%	$10,000	-	Learn More Add Review
The Liberty National Bank in Paris West Paris Branch	1.05%	$10,000	-	Learn More Add Review
Mineola Community Bank, S.S.B. South Main Branch	1.05%	$10,000	-	Learn More
dwaters \| Feb 6, 2023 Lindale Community Bank with employees that care. Read More Reviews (1)
First National Bank of Bosque County Clifton Branch	1.05%	$10,000	-	Learn More Add Review
Austin County State Bank Austin County State Bank Branch	1.05%	$10,000	-	Learn More Add Review
TrustTexas Bank, SSB Kyle Branch	1.05%	$10,000	-	Learn More
CFO \| Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More Reviews (2)
The First National Bank of Anderson First National Bank Of Anderson Bran Branch	1.01%	$100,000	-	Learn More Add Review
Spring Hill State Bank Spring Hill State Bank Branch	1.01%	$10,000	-	Learn More Add Review
Texas State Bank College Hills Branch	1.00%	$100,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Western Bank Downtown Big Spring Branch	1.00%	$10,000	-	Learn More Add Review
Interstate Bank Amarillo Branch	1.00%	$10,000	-	Learn More Add Review
First National Bank First National Bank Branch	1.00%	$10,000	-	Learn More Add Review
Wallis Bank Wallis State Bank Branch	1.00%	$100,000	-	Learn More Add Review
Affiliated Bank, National Association Affiliated Bank Branch	1.00%	$10,000	-	Learn More
Rhepler \| Aug 4, 2022 Great CD rates & service Read More Reviews (1)
SouthStar Bank, S.S.B. Brazoria Branch	1.00%	$1,000	-	Learn More Add Review
BOM Bank	1.00%	$10,000	-	Learn More Add Review
Citizens State Bank Snook Branch	1.00%	$10,000	-	Learn More Add Review
Texas First Bank Fannett Branch	1.00%	$10,000	-	Learn More
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 Reviews (1)
Commerce Bank Texas Commerce Bank Texas Branch	1.00%	$10,000	-	Learn More Add Review
First State Bank of San Diego First State Bank Of San Diego Branch	1.00%	$100,000	-	Learn More Add Review
Greater State Bank 412 N Smith Branch	1.00%	$10,000	-	Learn More Add Review
Community Bank & Trust, Waco, Texas Chapel Road Branch	1.00%	$10,000	-	Learn More Add Review
Southwestern National Bank Southwestern National Bank Branch	0.98%	$100,000	-	Learn More Add Review
Sage Capital Bank, Lockhart Branch	0.95%	$500	-	Learn More Add Review
The Waggoner National Bank of Vernon Electra Branch	0.95%	$10,000	-	Learn More Add Review
The Bank and Trust, S.S.B. Bedell Avenue Branch	0.95%	$100,000	-	Learn More Add Review
First Security State Bank Meridain Branch	0.95%	$10,000	-	Learn More Add Review
Great Plains National Bank	0.95%	$1,000	-	Learn More Add Review
CapTex Bank, National Association Melissa Branch	0.95%	$10,000	-	Learn More Add Review
Wallis Bank Wallis State Bank Branch	0.95%	$10,000	-	Learn More Add Review
Citizens 1st Bank Jacksonville Branch	0.95%	$10,000	-	Learn More Add Review
First State Bank and Trust Company First State Bank And Trust Company Branch	0.95%	$100,000	-	Learn More Add Review
First Mid Bank & Trust, National Association	0.90%	$1,000	-	Learn More Add Review
The Bank and Trust, S.S.B. Bedell Avenue Branch	0.90%	$500	-	Learn More Add Review
Crowell State Bank Crowell State Bank Branch	0.90%	$10,000	-	Learn More Add Review
Extraco Banks, National Association Killeen Branch	0.90%	$10,000	-	Learn More Add Review
Peoples State Bank of Hallettsville Peoples State Bank Of Hallettsville Branch	0.90%	$100,000	-	Learn More Add Review
Rio Bank South Mcallen Branch	0.87%	$2,500	-	Learn More Add Review
Texas National Bank South Jackson Branch	0.87%	$100,000	-	Learn More Add Review
Bank of South Texas Detached Facility Branch	0.85%	$10,000	-	Learn More Add Review
American National Bank & Trust Downtown Wichita Falls Branch	0.85%	$10,000	-	Learn More Add Review
The Jacksboro National Bank The Jacksboro National Bank Branch	0.85%	$100,000	-	Learn More Add Review
The First National Bank in Cooper The First National Bank In Cooper Branch	0.85%	$10,000	-	Learn More Add Review
Farmers State Bank Wortham Branch	0.85%	$10,000	-	Learn More Add Review
Incommons Bank, N.A. Waco Branch	0.85%	$1,000	-	Learn More Add Review
Shelby Savings Bank, SSB San Augustine Office Branch	0.85%	$100,000	-	Learn More Add Review
First State Bank and Trust Company First State Bank And Trust Company Branch	0.85%	$10,000	-	Learn More Add Review
The First National Bank of Livingston Onalaska Branch	0.85%	$100,000	-	Learn More
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 Reviews (1)
The First National Bank of Hebbronville The First National Bank Of Hebbronvi Branch	0.85%	$10,000	-	Learn More Add Review
Southwestern National Bank Southwestern National Bank Branch	0.83%	$10,000	-	Learn More Add Review
FirstBank Southwest Sleepy Hollow Branch	0.80%	$100,000	-	Learn More Add Review
First United Bank Earth Branch	0.80%	$100,000	-	Learn More Add Review
HomeBank Texas Homebank Texas Branch	0.80%	$10,000	-	Learn More Add Review
Bank of DeSoto, National Association Bank Of Desoto, National Association Branch	0.80%	$10,000	-	Learn More
Splashgirl1961@gmail.com \| Jan 8, 2024 Awful, rude unprofessional! Beware Read More Reviews (1)
Texas Heritage National Bank Nbd Ore City Branch	0.80%	$10,000	-	Learn More Add Review
First Savings Bank El Paso Mesa Branch	0.80%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
Citizens National Bank at Brownwood Brownwood Branch	0.80%	$10,000	-	Learn More Add Review
First National Bank of Huntsville 617 East Houston Street Branch	0.80%	$100,000	-	Learn More Add Review
The First National Bank of Livingston Onalaska Branch	0.80%	$10,000	-	Learn More
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 Reviews (1)
Texas Regional Bank Mcallen Banking Center Branch	0.80%	$100,000	-	Learn More
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 Reviews (2)
The Buckholts State Bank Rogers Branch	0.80%	$100,000	-	Learn More Add Review
Peoples State Bank of Hallettsville Peoples State Bank Of Hallettsville Branch	0.80%	$10,000	-	Learn More Add Review
Texas National Bank South Jackson Branch	0.77%	$1,000	-	Learn More Add Review
Alliance Bank Greenville Branch	0.75%	$1,000	-	Learn More Add Review
Texas State Bank College Hills Branch	0.75%	$1,000	-	Learn More Add Review
Muenster State Bank Muenster State Bank Branch	0.75%	$1,000	-	Learn More Add Review
First State Bank North Texas Bank Branch	0.75%	$10,000	-	Learn More Add Review
Legend Bank, N.A. Bonham Branch	0.75%	$1,000	-	Learn More Add Review
The Jacksboro National Bank The Jacksboro National Bank Branch	0.75%	$10,000	-	Learn More Add Review
First Texoma National Bank Post Oak Crossing Branch	0.75%	$10,000	-	Learn More Add Review
International Bank of Commerce 3800 Maple Avenue Branch	0.75%	$100,000	-	Learn More Add Review
The City National Bank of Sulphur Springs Grand Saline Branch	0.75%	$10,000	-	Learn More Add Review
The First National Bank of Winnsboro The First National Bank Of Winnsboro Branch	0.75%	$10,000	-	Learn More Add Review
International Bank of Commerce Kelvin @ Nottingham (Motor Bank) Branch	0.75%	$100,000	-	Learn More Add Review
Texas Regional Bank Mcallen Banking Center Branch	0.75%	$10,000	-	Learn More
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 Reviews (2)
First State Bank of San Diego First State Bank Of San Diego Branch	0.75%	$10,000	-	Learn More Add Review
Commerce Bank South Laredo Branch	0.75%	$100,000	-	Learn More Add Review
International Bank of Commerce Ibc-Roma Branch	0.75%	$100,000	-	Learn More Add Review
International Bank of Commerce Alton Gloor Branch	0.75%	$100,000	-	Learn More Add Review
The First National Bank of Evant Oglesby State Bank Branch	0.70%	$10,000	-	Learn More Add Review
City Bank Mckinnon Street Branch	0.70%	$10,000	-	Learn More Add Review
First State Bank Lake Jackson Branch	0.70%	$5,000	-	Learn More Add Review
First United Bank Earth Branch	0.70%	$10,000	-	Learn More Add Review
Prosperity Bank Bellaire Branch	0.70%	$10,000	-	Learn More
Jettdawg \| Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More Reviews (6)
NBH Bank Dallas-Mckinney Branch	0.70%	$10,000	-	Learn More Add Review
The American National Bank of Mount Pleasant The American National Bank Of Mount Branch	0.70%	$10,000	-	Learn More Add Review
The Pecos County State Bank Sierra Blanca Bank - A Branch Of Pec	0.70%	$100,000	-	Learn More Add Review
Farmers State Bank Shelbyville Branch	0.70%	$10,000	-	Learn More Add Review
Guadalupe Bank Junction Highway Branch	0.70%	$10,000	-	Learn More
carfuss2000 \| Mar 10, 2021 when and what is cost Read More Reviews (2)
Allegiance Bank Memorial Village Branch	0.70%	$10,000	-	Learn More
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 Reviews (1)
First Community Bank Mobile Branch	0.65%	$1,000	-	Learn More Add Review
Bank of the West Belt Line Branch	0.65%	$10,000	-	Learn More Add Review
Texas Bank and Trust Company Richardson Branch	0.65%	$10,000	-	Learn More Add Review
Pegasus Bank Pegasus Bank Branch	0.65%	$100,000	-	Learn More
Peggy Sterioti \| Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More Reviews (1)
COMMONWEALTH BUSINESS BANK Dallas Branch	0.65%	$10,000	-	Learn More
RHG \| Jan 29, 2019 The Bank does not have this product. Read More Reviews (1)
First Command Bank First Command Bank Branch	0.65%	$10,000	-	Learn More Add Review
Cypress Bank, SSB 801 N Jefferson Branch	0.65%	$10,000	-	Learn More Add Review
Shelby Savings Bank, SSB San Augustine Office Branch	0.65%	$10,000	-	Learn More Add Review
The Buckholts State Bank Rogers Branch	0.65%	$10,000	-	Learn More Add Review
Lone Star Bank Copperfield Office Branch	0.61%	$1,000	-	Learn More
hi \| May 21, 2021 this bank is pooooooooooooooooooop Read More Reviews (1)
Liberty Capital Bank Liberty Capital Bank Branch	0.60%	$10,000	-	Learn More
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 Reviews (1)
Hanmi Bank Houston Gessner Branch	0.60%	$100,000	-	Learn More Add Review
FirstBank Southwest Sleepy Hollow Branch	0.60%	$10,000	-	Learn More Add Review
Peoples Bank Shallowater Branch	0.60%	$10,000	-	Learn More Add Review
Community National Bank & Trust of Texas White Settlement Branch	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Tom Bean Clarksville Branch	0.60%	$10,000	-	Learn More
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 Reviews (1)
Commercial Bank of Texas, National Association Alba Branch	0.60%	$10,000	-	Learn More Add Review
Great Southern Bank Great Southern Bank Branch	0.60%	$250	-	Learn More Add Review
Vantage Bank Texas Hondo Branch	0.60%	$10,000	-	Learn More
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 Reviews (1)
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
The Pecos County State Bank Sierra Blanca Bank - A Branch Of Pec	0.60%	$10,000	-	Learn More Add Review
Castroville State Bank Castroville State Bank Branch	0.60%	$100,000	-	Learn More Add Review
First-Lockhart National Bank Kyle Branch	0.60%	$100,000	-	Learn More Add Review
Texas Gulf Bank, National Association Houston Branch	0.60%	$10,000	-	Learn More Add Review
The First State Bank The First State Bank Branch	0.60%	$10,000	-	Learn More Add Review
Hanmi Bank Houston Gessner Branch	0.55%	$10,000	-	Learn More Add Review
Pilgrim Bank Mt Pleasant Branch South	0.55%	$1,000	-	Learn More Add Review
PlainsCapital Bank Arlington South Branch	0.55%	$10,000	-	Learn More Add Review
Guaranty Bank & Trust, N.A. Texas Leadership Bank Branch	0.55%	$10,000	-	Learn More Add Review
MCBank Early Branch	0.55%	$100,000	-	Learn More Add Review
First National Bank of Burleson First National Bank Of Burleson Branch	0.55%	$10,000	-	Learn More Add Review
Llano National Bank Lake Buchanan Branch	0.55%	$2,500	-	Learn More Add Review
Lone Star National Bank Art Village Branch	0.55%	$1,000	-	Learn More
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 Reviews (7)
Capital Bank West Pearland Branch	0.55%	$100,000	-	Learn More Add Review
The Hondo National Bank Uvalde Branch	0.50%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
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
First National Bank of Lake Jackson First National Bank Of Lake Jackson Branch	0.50%	$10,000	-	Learn More Add Review
First State Bank Malakoff Branch	0.50%	$10,000	-	Learn More Add Review
The First Bank of Celeste The First Bank Of Celeste Branch	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank Rhome Branch	0.50%	$10,000	-	Learn More Add Review
West Texas National Bank The Quicksilver Branch	0.50%	$1,000	-	Learn More Add Review
InterBank Interbank Branch	0.50%	$10,000	-	Learn More
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 Reviews (1)
First Capital Bank First Capital Bank Branch	0.50%	$10,000	-	Learn More Add Review
American Momentum Bank Corporate Headquarters Branch	0.50%	$10,000	-	Learn More Add Review
Texas Bank Bangs Banking Branch	0.50%	$100,000	-	Learn More Add Review
International Bank of Commerce 3800 Maple Avenue Branch	0.50%	$10,000	-	Learn More Add Review
MCBank Early Branch	0.50%	$10,000	-	Learn More Add Review
First National Bank of Huntsville 617 East Houston Street Branch	0.50%	$10,000	-	Learn More Add Review
International Bank of Commerce Kelvin @ Nottingham (Motor Bank) Branch	0.50%	$10,000	-	Learn More Add Review
First-Lockhart National Bank Kyle Branch	0.50%	$10,000	-	Learn More Add Review
Commerce Bank South Laredo Branch	0.50%	$10,000	-	Learn More Add Review
International Bank of Commerce Ibc-Roma Branch	0.50%	$10,000	-	Learn More Add Review
International Bank of Commerce Alton Gloor Branch	0.50%	$10,000	-	Learn More Add Review
Pegasus Bank Pegasus Bank Branch	0.49%	$10,000	-	Learn More
Peggy Sterioti \| Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More Reviews (1)
American State Bank Copeland Branch	0.45%	$10,000	-	Learn More Add Review
Castroville State Bank Castroville State Bank Branch	0.45%	$10,000	-	Learn More Add Review
Capital Bank West Pearland Branch	0.45%	$10,000	-	Learn More Add Review
Transpecos Banks, SSB Transpecos Banks, Ssb Branch	0.43%	$10,000	-	Learn More Add Review
Cathay Bank Houston Branch	0.40%	$50,000	-	Learn More Add Review
Capital Bank of Texas Crystal City Branch	0.40%	$1,000	-	Learn More Add Review
WestStar Bank Viscount/Golden Key Branch	0.40%	$100,000	-	Learn More Add Review
Titan Bank, N.A. Graford Branch	0.40%	$10,000	-	Learn More
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 Reviews (6)
Texas Bank Bangs Banking Branch	0.40%	$10,000	-	Learn More Add Review
The American National Bank of Texas Quinlan Branch	0.40%	$10,000	-	Learn More Add Review
Veritex Community Bank Houston Branch	0.40%	$10,000	-	Learn More Add Review
The Roscoe State Bank The Roscoe State Bank Branch	0.40%	$10,000	-	Learn More Add Review
First State Bank of Uvalde Utopia Branch	0.40%	$10,000	-	Learn More Add Review
NewFirst National Bank Needville Branch	0.40%	$10,000	-	Learn More Add Review
The First National Bank of Hughes Springs Troup Branch	0.35%	$10,000	-	Learn More Add Review
WestStar Bank Viscount/Golden Key Branch	0.35%	$2,500	-	Learn More Add Review
Metro City Bank Dallas Branch	0.33%	$1,000	-	Learn More
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 Reviews (1)
SNB Bank, National Association Snb Bank Na-Booker Branch	0.31%	$10,000	-	Learn More Add Review
UMB Bank, National Association Dallas Branch	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
The National Bank of Texas at Fort Worth Burleson Branch	0.30%	$10,000	-	Learn More Add Review
Broadway National Bank Austin Midtown Branch	0.30%	$10,000	-	Learn More
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 Reviews (1)
Washington Federal Bank Midtown Branch	0.25%	$1,000	-	Learn More
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 Reviews (2)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
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
First United Bank and Trust Company Frisco/Lebanon Branch	0.25%	$10,000	-	Learn More Add Review
Origin Bank Museum District Branch	0.25%	$10,000	-	Learn More
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 Reviews (1)
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
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
East West Bank Metrobank Na Branch	0.20%	$10,000	-	Learn More
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 Reviews (2)
First State Bank First State Bank Branch	0.20%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Dallas Lake Side Village Branch	0.15%	$500	-	Learn More
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 Reviews (3)
Comerica Bank Sugar Creek Branch	0.15%	$1	-	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 Reviews (1)
The Brenham National Bank Chappell Hill Branch	0.15%	$10,000	-	Learn More Add Review
U.S. Bank National Association Dallas Parkway Branch	0.15%	$500	-	Learn More
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 Reviews (2)
First Horizon Bank Houston Galleria Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Anthem Bank & Trust Granite Shoals Branch	0.10%	$10,000	-	Learn More Add Review
Citizens Bank Humble Branch	0.06%	$1,000	-	Learn More Add Review
Regions Bank Heights Houston Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
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 Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
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 Reviews (1)
Bank of America, National Association Slaughter And Manchaca Branch	0.03%	$100,000	-	Learn More
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 Reviews (7)
Citizens National Bank of Texas Citizens National Bank Of Texas Bran Branch	0.00%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
The MINT National Bank The Mint National Bank Branch	1213 Kingwood Drive	Kingwood	TX
Harmony Bank Uptown Branch	4161 McKinney Ave, Suite 101	Dallas	TX
Capital One, National Association Forest & Greenville Branch	9728 Greenville	Dallas	TX
Amerant Bank, Formerly Mercantil Bank Town & Country Bank Branch	750 Town And Country Boulevard, Suite 100	Houston	TX
Monet Bank Beal Bank, Ssb Branch	6000 Legacy Drive	Plano	TX
Bank of Hope Fort Worth Branch	7553 Boulevard 26	North Richland Hills	TX
T Bank, National Association T Bank, National Association Branch	16200 Dallas Parkway, Suite 190	Dallas	TX
NexBank Preston Center Branch	6121 Luther Lane	Dallas	TX
T Bank, National Association T Bank, National Association Branch	16200 Dallas Parkway, Suite 190	Dallas	TX
First Financial Bank Fm 1488 Branch	5424 Fm 1488	Magnolia	TX
Texas Bank Rhones Quarter Rd. Branch	5101 Rhones Quarter Rd.	Tyler	TX
Amarillo National Bank Medical Center Drive-Up Branch	7210 Interstate 40 West	Amarillo	TX
Charter Bank Rockport Branch	Highway 35 North And Orleans Street	Rockport	TX
Zions Bank East Bernard Branch	811 S. Dill Street	East Bernard	TX
Citibank, National Association Las Colinas Employee Financial Cente Branch	6460 Colinas Boulevard	Irving	TX
JPMorgan Chase Bank, National Association Dripping Springs Branch	Us 290 And Hwy 12	Dripping Springs	TX
BOKF, National Association Coppell Branch	851 N Macarthur Blvd.	Coppell	TX
Henderson Federal Savings Bank Henderson Federal Savings Bank Branch	130 North Marshall Street	Henderson	TX
USAA Federal Savings Bank Usaa Federal Savings Bank Branch	10750 Mcdermott Freeway	San Antonio	TX
Henderson Federal Savings Bank Henderson Federal Savings Bank Branch	130 North Marshall Street	Henderson	TX
Central National Bank Temple Branch	938 Canyon Creek	Temple	TX
The First National Bank of Moody The First National Bank Of Moody Branch	101 7th St	Moody	TX
Security Bank of Texas Security Bank Of Crawford Branch	6688 N Lone Star Parkway	Crawford	TX
Texana Bank, National Association Texana Bank, National Association Branch	E Rush Street	Linden	TX
Crossroads Bank First State Bank Branch	406 West Grand Avenue	Yoakum	TX
First State Bank of Bedias First State Bank Of Bedias Branch	Main And Highway 90	Bedias	TX
Woodforest National Bank 0360 Missouri City Texas Walmart Bra Branch	9929 State Highway 6	Missouri City	TX
First State Bank First State Bank Branch	1526 Fourth Street	Graham	TX
UBank Huntington State Bank Branch	Highway 103	Etoile	TX
Greater State Bank 412 N Smith Branch	412 N Smith	Hebbronville	TX
Maverick Bank Alpine Branch	1102 East Holland Avenue	Alpine	TX
Citizens State Bank Detached Facility Branch	Reid And West Bluff Streets	Woodville	TX
Sage Capital Bank, Lockhart Branch	501 Colorado	Lockhart	TX
Ciera Bank Fort Worth Branch	1501 Summit Avenue	Fort Worth	TX
Cendera Bank, National Association Cendera Bank, National Association Branch	615 E. Bells Blvd	Bells	TX
First State Bank of Bedias First State Bank Of Bedias Branch	Main And Highway 90	Bedias	TX
Maverick Bank Alpine Branch	1102 East Holland Avenue	Alpine	TX
Crossroads Bank First State Bank Branch	406 West Grand Avenue	Yoakum	TX
Fayette Savings Bank, SSB 87 North Kessler Branch	87 North Kessler	Schulenburg	TX
Kleberg Bank, N.A. Kleberg National Bank - Heb Saratoga Branch	5313 Saratoga	Corpus Christi	TX
Fayetteville Bank W. Travis Lagrange Branch	366 W. Travis	La Grange	TX
Industry State Bank 2001 Hwy 71s Branch	2001 Hwy 71 South	Columbus	TX
The First National Bank of Tom Bean Clarksville Branch	2203 West Main Street	Clarksville	TX
Citizens State Bank First National Bank Branch	409 South Ellis Street	Groesbeck	TX
The First National Bank of Bellville Waller Branch	31384 Fm 2920 Road, Suite A	Waller	TX
Bank of Brenham, National Association Bank Of Brenham, National Association Branch	501 South Austin Street	Brenham	TX
The First National Bank of Shiner Cuero Branch	1800 N Esplanade	Cuero	TX
Cendera Bank, National Association Cendera Bank, National Association Branch	615 E. Bells Blvd	Bells	TX
First Guaranty Bank Mckinney Branch	8951 Synergy Dr., Suite 100	Mckinney	TX
Farmers Bank & Trust Company New Boston Branch	416 North Mccoy Blvd	New Boston	TX
United Texas Bank United Texas Bank Branch	13101 Preston Road, Suite 100	Dallas	TX
Fannin Bank Honey Grove Branch	901 E. Main	Honey Grove	TX
First Federal Community Bank, SSB First Federal Community Bank, Ssb Branch	630 Clarksville St	Paris	TX
SouthStar Bank, S.S.B. Brazoria Branch	301 South Brooks Street	Brazoria	TX
Round Top State Bank Lexington Texas Branch	8681 State Highway 77	Lexington	TX
Kleberg Bank, N.A. Kleberg National Bank - Heb Saratoga Branch	5313 Saratoga	Corpus Christi	TX
POINTWEST BANK Hewitt Branch	420 Hewitt Drive	Hewitt	TX
State Bank of De Kalb Detached Drive-In Facility Branch	601 West Main Street	Clarksville	TX
Spring Hill State Bank Spring Hill State Bank Branch	3700 Gilmer Road	Longview	TX
Bank 7 Dallas Branch	5080 Spectrum Drive, Ste. 123w	Addison	TX
Interstate Bank Amarillo Branch	5085 S. Coulter Street	Amarillo	TX
First National Bank of Dublin First National Bank Of Dublin Branch	825 North Patrick Street	Dublin	TX
Austin County State Bank Austin County State Bank Branch	436 South Front Street	Bellville	TX
Schertz Bank & Trust Schertz Bank & Trust Branch	519 Main Street	Schertz	TX
TrustTexas Bank, SSB Kyle Branch	4625 Ratcliffe Drive	Kyle	TX
Fayetteville Bank W. Travis Lagrange Branch	366 W. Travis	La Grange	TX
Industry State Bank 2001 Hwy 71s Branch	2001 Hwy 71 South	Columbus	TX
Citizens State Bank First National Bank Branch	409 South Ellis Street	Groesbeck	TX
The First National Bank of Bellville Waller Branch	31384 Fm 2920 Road, Suite A	Waller	TX
Bank of Brenham, National Association Bank Of Brenham, National Association Branch	501 South Austin Street	Brenham	TX
The First National Bank of Shiner Cuero Branch	1800 N Esplanade	Cuero	TX
The First National Bank of Hebbronville The First National Bank Of Hebbronvi Branch	305 North Smith Street	Hebbronville	TX
Commercial National Bank of Texarkana Commercial National Bank Of Texarkan Branch	5515 Summerhill Road	Texarkana	TX
The Liberty National Bank in Paris West Paris Branch	1929 Bonham St	Paris	TX
Broadstreet Bank S S B South Main Branch	500 South Main	Winnsboro	TX
First National Bank of Bosque County Clifton Branch	Highway 6 And Riverside Drive	Clifton	TX
Austin County State Bank Austin County State Bank Branch	436 South Front Street	Bellville	TX
TrustTexas Bank, SSB Kyle Branch	4625 Ratcliffe Drive	Kyle	TX
The First National Bank of Anderson First National Bank Of Anderson Bran Branch	9501 State Hwy 6	Navasota	TX
Spring Hill State Bank Spring Hill State Bank Branch	3700 Gilmer Road	Longview	TX
Texas State Bank College Hills Branch	4206 College Hills Blvd	San Angelo	TX
Western Bank Downtown Big Spring Branch	607 S. Scurry	Big Spring	TX
Interstate Bank Amarillo Branch	5085 S. Coulter Street	Amarillo	TX
First National Bank First National Bank Branch	3801 Fairway Boulevard	Wichita Falls	TX
Wallis Bank Wallis State Bank Branch	6510 Railroad Street	Wallis	TX
Susser Bank Affiliated Bank Branch	500 Harwood Rd.	Bedford	TX
SouthStar Bank, S.S.B. Brazoria Branch	301 South Brooks Street	Brazoria	TX
Citizens State Bank Snook Branch	9850 Fm 60 East	Snook	TX
Texas First Bank Fannett Branch	Highway 124 And F.M. 365	Fannett	TX
Commerce Bank Texas Commerce Bank Texas Branch	112 West Fordtran Drive	Stockdale	TX
First State Bank of San Diego First State Bank Of San Diego Branch	209 E Gravis St	San Diego	TX
Greater State Bank 412 N Smith Branch	412 N Smith	Hebbronville	TX
Community Bank & Trust, Waco, Texas Chapel Road Branch	8820 Chapel Road	Waco	TX
Southwestern National Bank Southwestern National Bank Branch	6901 Corporate Drive	Houston	TX
Sage Capital Bank, Lockhart Branch	501 Colorado	Lockhart	TX
The Waggoner National Bank of Vernon Electra Branch	401 West Front Street	Electra	TX
The Bank and Trust, S.S.B. Bedell Avenue Branch	2399 Bedell Avenue	Del Rio	TX
First Security State Bank Meridain Branch	9353 Hwy 6	Meridian	TX
CapTex Bank Melissa Branch	Sam Rayburn Hwy	Melissa	TX
Wallis Bank Wallis State Bank Branch	6510 Railroad Street	Wallis	TX
Citizens 1st Bank Jacksonville Branch	825 South Jackson	Jacksonville	TX
First State Bank and Trust Company First State Bank And Trust Company Branch	110 West Panola Street	Carthage	TX
The Bank and Trust, S.S.B. Bedell Avenue Branch	2399 Bedell Avenue	Del Rio	TX
Crowell State Bank Crowell State Bank Branch	100 East Commerce St.	Crowell	TX
Extraco Banks, National Association Killeen Branch	1002 W. Central Texas Expwy.	Killeen	TX
Peoples State Bank of Hallettsville Peoples State Bank Of Hallettsville Branch	116 East Third Street	Hallettsville	TX
Rio Bank South Mcallen Branch	720 E. Jackson Ave.	Mcallen	TX
Texas National Bank South Jackson Branch	4908 South Jackson Street	Edinburg	TX
Bank of South Texas Detached Facility Branch	301 East King Street	Kingsville	TX
American National Bank & Trust Downtown Wichita Falls Branch	719 Scott Ave	Wichita Falls	TX
The Jacksboro National Bank The Jacksboro National Bank Branch	910 N Main Street	Jacksboro	TX
The First National Bank in Cooper The First National Bank In Cooper Branch	11 West Side Square	Cooper	TX
Farmers State Bank Wortham Branch	110 West Main Avenue	Wortham	TX
Incommons Bank, N.A. Waco Branch	5400 Crosslake Parkway	Waco	TX
Shelby Savings Bank, SSB San Augustine Office Branch	710 West Columbia	San Augustine	TX
First State Bank and Trust Company First State Bank And Trust Company Branch	110 West Panola Street	Carthage	TX
The First National Bank of Livingston Onalaska Branch	Highway 190 And Fm 3186	Onalaska	TX
The First National Bank of Hebbronville The First National Bank Of Hebbronvi Branch	305 North Smith Street	Hebbronville	TX
Southwestern National Bank Southwestern National Bank Branch	6901 Corporate Drive	Houston	TX
FirstBank Southwest Sleepy Hollow Branch	7420 Sw 45th Syreet	Amarillo	TX
First United Bank Earth Branch	Main And Cedar	Earth	TX
HomeBank Texas Homebank Texas Branch	601 North Highway 175	Seagoville	TX
Bank of DeSoto, National Association Bank Of Desoto, National Association Branch	2011 North Hampton Road	De Soto	TX
Texas Heritage National Bank Nbd Ore City Branch	Hwy 259	Ore City	TX
First Savings Bank El Paso Mesa Branch	909 North Mesa	El Paso	TX
Citizens National Bank at Brownwood Brownwood Branch	401 West Commerce	Brownwood	TX
First National Bank of Huntsville 617 East Houston Street Branch	617 East Houston Street	Crockett	TX
The First National Bank of Livingston Onalaska Branch	Highway 190 And Fm 3186	Onalaska	TX
Texas Regional Bank Mcallen Banking Center Branch	4501 N 10th St	Mcallen	TX
The Buckholts State Bank Rogers Branch	Elm And Mesquite Streets	Rogers	TX
Peoples State Bank of Hallettsville Peoples State Bank Of Hallettsville Branch	116 East Third Street	Hallettsville	TX
Texas National Bank South Jackson Branch	4908 South Jackson Street	Edinburg	TX
Alliance Bank Greenville Branch	9901 Wesley Street	Greenville	TX
Texas State Bank College Hills Branch	4206 College Hills Blvd	San Angelo	TX
Muenster State Bank Muenster State Bank Branch	201 North Main Street	Muenster	TX
First State Bank North Texas Bank Branch	661 W. Thompson St.	Decatur	TX
Legend Bank, N.A. Bonham Branch	502 North Center Street	Bonham	TX
The Jacksboro National Bank The Jacksboro National Bank Branch	910 N Main Street	Jacksboro	TX
First Texoma National Bank Post Oak Crossing Branch	3401 Highway 1417	Sherman	TX
International Bank of Commerce 3800 Maple Avenue Branch	3800 Maple Ave.	Dallas	TX
The City National Bank of Sulphur Springs Grand Saline Branch	300 West Frank Street	Grand Saline	TX
The First National Bank of Winnsboro The First National Bank Of Winnsboro Branch	315 North Main Street	Winnsboro	TX
International Bank of Commerce Kelvin @ Nottingham (Motor Bank) Branch	Kelvin Dr & Nottingham St	Houston	TX
Texas Regional Bank Mcallen Banking Center Branch	4501 N 10th St	Mcallen	TX
First State Bank of San Diego First State Bank Of San Diego Branch	209 E Gravis St	San Diego	TX
Commerce Bank South Laredo Branch	Zapata Highway And Blaine Street	Laredo	TX
International Bank of Commerce Ibc-Roma Branch	U.S. Highway 83 At Portaleza	Roma	TX
International Bank of Commerce Alton Gloor Branch	79 E. Alton Gloor	Brownsville	TX
The First National Bank of Evant Oglesby State Bank Branch	117 Texas 1996	Oglesby	TX
City Bank Mckinnon Street Branch	2525 Mckinnon Street, Suite 100	Dallas	TX
First State Bank Lake Jackson Branch	490 This Way Street	Lake Jackson	TX
First United Bank Earth Branch	Main And Cedar	Earth	TX
Prosperity Bank Bellaire Branch	5501 Bissonnet	Houston	TX
NBH Bank Dallas-Mckinney Branch	3102 Maple Ave	Dallas	TX
The American National Bank of Mount Pleasant The American National Bank Of Mount Branch	301 South Madison Avenue	Mount Pleasant	TX
The Pecos County State Bank Sierra Blanca Bank - A Branch Of Pec	Highway 80 And Fm 1111	Sierra Blanca	TX
Farmers State Bank Shelbyville Branch	5033 State Hwy 87 South	Shelbyville	TX
Guadalupe Bank Junction Highway Branch	1916 Junction Highway	Kerrville	TX
Stellar Bank Memorial Village Branch	8800 Katy Freeway, Suite 110	Houston	TX
First Community Bank Mobile Branch	1001 Wildcat Drive	Portland	TX
Bank of the West Belt Line Branch	950 North Belt Line Road	Irving	TX
Texas Bank and Trust Company Richardson Branch	401 W. George Bush Freeway, Suite 101	Richardson	TX
Pegasus Bank Pegasus Bank Branch	4515 W. Mockingbird Lane	Dallas	TX
Commonwealth Business Bank Dallas Branch	2164 Royal Lane	Dallas	TX
First Command Bank First Command Bank Branch	1 Firstcomm Plaza	Fort Worth	TX
Cypress Bank, SSB 801 N Jefferson Branch	801 N. Jefferson	Mount Pleasant	TX
Shelby Savings Bank, SSB San Augustine Office Branch	710 West Columbia	San Augustine	TX
The Buckholts State Bank Rogers Branch	Elm And Mesquite Streets	Rogers	TX
Lone Star Bank Copperfield Office Branch	7630 Highway 6 North	Houston	TX
Liberty Capital Bank Liberty Capital Bank Branch	5055 Keller Springs Road, Suite 120	Addison	TX
Hanmi Bank Houston Gessner Branch	8585 South Gessner Drive	Houston	TX
FirstBank Southwest Sleepy Hollow Branch	7420 Sw 45th Syreet	Amarillo	TX
Peoples Bank Shallowater Branch	7503 Highway 84	Shallowater	TX
Community National Bank & Trust of Texas White Settlement Branch	9636 White Settlement Road	Fort Worth	TX
The First National Bank of Tom Bean Clarksville Branch	2203 West Main Street	Clarksville	TX
Commercial Bank of Texas, National Association Alba Branch	Cooper Street And Highway 69	Emory	TX
Great Southern Bank Great Southern Bank Branch	8201 Preston Road, Suite 305	Dallas	TX
Vantage Bank Texas Hondo Branch	1401 19th Street	Hondo	TX
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	1611 Marshall Road	Fort Bliss	TX
The Pecos County State Bank Sierra Blanca Bank - A Branch Of Pec	Highway 80 And Fm 1111	Sierra Blanca	TX
Castroville State Bank Castroville State Bank Branch	Paris And Lorenzo	Castroville	TX
First-Lockhart National Bank Kyle Branch	800 West Farm To Market 150	Kyle	TX
Texas Gulf Bank, National Association Houston Branch	5600 Kirby Drive, Suite 1 & 2	West University Place	TX
The First State Bank The First State Bank Branch	206 North St.	Louise	TX
Hanmi Bank Houston Gessner Branch	8585 South Gessner Drive	Houston	TX
Pilgrim Bank Mt Pleasant Branch South	2401 S Jefferson	Mount Pleasant	TX
PlainsCapital Bank Arlington South Branch	4501 Matlock Suite 101	Arlington	TX
Guaranty Bank & Trust, N.A. Texas Leadership Bank Branch	121 W. Interstate Highway 30	Royse City	TX
MCBank Early Branch	411 Early Boulevard	Early	TX
First National Bank of Burleson First National Bank Of Burleson Branch	899 Northeast Alsbury And I-35	Burleson	TX
Llano National Bank Lake Buchanan Branch	8600 West Ranch Road 1431	Buchanan Dam	TX
Lone Star National Bank Art Village Branch	800 North Main Street	Mcallen	TX
Capital Bank West Pearland Branch	8703 West Broadway, Suite 131	Pearland	TX
TXN Bank Uvalde Branch	727 East Main Street	Uvalde	TX
First National Bank of Lake Jackson First National Bank Of Lake Jackson Branch	122 West Way	Lake Jackson	TX
First State Bank Malakoff Branch	102 W. Royall Blvd.	Malakoff	TX
The First Bank of Celeste The First Bank Of Celeste Branch	301 N. Hwy 69	Celeste	TX
Pinnacle Bank Rhome Branch	800 South Us Hwy 287, Suite A	Rhome	TX
West Texas National Bank The Quicksilver Branch	53610 Texas 118	Terlingua	TX
InterBank Interbank Branch	6829 Hillcrest	Dallas	TX
First Capital Bank First Capital Bank Branch	Third And Mercer Streets	Quanah	TX
American Momentum Bank Corporate Headquarters Branch	One Momentum Boulevard	College Station	TX
TexasBank Bangs Banking Branch	501 East Hall Street	Bangs	TX
International Bank of Commerce 3800 Maple Avenue Branch	3800 Maple Ave.	Dallas	TX
MCBank Early Branch	411 Early Boulevard	Early	TX
First National Bank of Huntsville 617 East Houston Street Branch	617 East Houston Street	Crockett	TX
International Bank of Commerce Kelvin @ Nottingham (Motor Bank) Branch	Kelvin Dr & Nottingham St	Houston	TX
First-Lockhart National Bank Kyle Branch	800 West Farm To Market 150	Kyle	TX
Commerce Bank South Laredo Branch	Zapata Highway And Blaine Street	Laredo	TX
International Bank of Commerce Ibc-Roma Branch	U.S. Highway 83 At Portaleza	Roma	TX
International Bank of Commerce Alton Gloor Branch	79 E. Alton Gloor	Brownsville	TX
Pegasus Bank Pegasus Bank Branch	4515 W. Mockingbird Lane	Dallas	TX
American State Bank Copeland Branch	907 East Southeast Loop 323	Tyler	TX
Castroville State Bank Castroville State Bank Branch	Paris And Lorenzo	Castroville	TX
Capital Bank West Pearland Branch	8703 West Broadway, Suite 131	Pearland	TX
Transpecos Banks, SSB Transpecos Banks, Ssb Branch	115 West 3rd Street	Pecos	TX
Cathay Bank Houston Branch	9440 Bellaire Boulevard, Suite 118	Houston	TX
PrimeBank of Texas Crystal City Branch	925 N. Veterans Blvd.	Crystal City	TX
WestStar Bank Viscount/Golden Key Branch	8865 Viscount Blvd	El Paso	TX
Titan Bank, N.A. Graford Branch	200 Main Street	Graford	TX
TexasBank Bangs Banking Branch	501 East Hall Street	Bangs	TX
The American National Bank of Texas Quinlan Branch	8908 Highway 34 South	Quinlan	TX
Veritex Community Bank Houston Branch	5111 San Felipe	Houston	TX
Cornerstone Capital Bank, SSB The Roscoe State Bank Branch	P O Box 317	Sweetwater	TX
First State Bank of Uvalde Utopia Branch	Highway 187 North	Utopia	TX
NewFirst National Bank Needville Branch	8914 Main St	Needville	TX
The First National Bank of Hughes Springs Troup Branch	303 West Calvert Street	Troup	TX
Bank of Hope Fort Worth Branch	7553 Boulevard 26	North Richland Hills	TX
WestStar Bank Viscount/Golden Key Branch	8865 Viscount Blvd	El Paso	TX
Metro City Bank Dallas Branch	9788 Walnut Street	Dallas	TX
SNB Bank, National Association Snb Bank Na-Booker Branch	010 South Main Ave	Booker	TX
UMB Bank, National Association Dallas Branch	4228 North Central Expressway, Suite 30	Dallas	TX
NBT Financial Bank Burleson Branch	400 E Renfro	Burleson	TX
Broadway National Bank Austin Midtown Branch	911 W 38th St	Austin	TX
Washington Federal Bank Midtown Branch	5430 Lbj Freeway	Dallas	TX
First United Bank and Trust Company Frisco/Lebanon Branch	Lebanon And Dallas Parkway	Frisco	TX
Origin Bank Museum District Branch	5115 Main Street	Houston	TX
East West Bank Metrobank Na Branch	9600 Bellaire Boulevard, Suite 101	Houston	TX
First State Bank First State Bank Branch	601 College	Junction	TX
First-Citizens Bank & Trust Company Dallas Lake Side Village Branch	9667 N. Central Expressway	Dallas	TX
Comerica Bank Sugar Creek Branch	One Sugar Creek Center Boulevard	Sugar Land	TX
The Brenham National Bank Chappell Hill Branch	9005 Highway 290 East	Chappell Hill	TX
U.S. Bank National Association Dallas Parkway Branch	14241 Dallas Parkway	Dallas	TX
First Horizon Bank Houston Galleria Branch	3009 Post Oak Blvd	Houston	TX
Anthem Bank & Trust Granite Shoals Branch	8110 West Fm 1431	Granite Shoals	TX
Citizens Bank Humble Branch	8811 Fm 1960 Bypass Road W	Humble	TX
Regions Bank Heights Houston Branch	301 W. 11th Street	Houston	TX
Bank of America, National Association Slaughter And Manchaca Branch	9912 Manchaca Road	Austin	TX
Regions Bank Heights Houston Branch	301 W. 11th Street	Houston	TX
Citizens National Bank of Texas Citizens National Bank Of Texas Bran Branch	500 East Ennis Avenue	Ennis	TX

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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.

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

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