Texas

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Willow Park, Texas CD Rates – 5-Year

You are viewing rates from banks across Willow Park





Below are 5-year CD Rates from banks that are located in Willow Park, { Texas}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Willow Park, TX - August 6, 2025

5 Year CD National Average : 0.92% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 730 days interest.
Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.20%

| 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

Rate History: 3.05% → 3.50% → 4.11% → 4.00%

| 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

4.00%

$1,000

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Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.15% → 4.10% → 3.95% → 4.05% → 3.95%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 4.00% → 3.85% → 3.75% → 3.80%

| 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

| 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

Rate History: 2.75% → 2.75% → 4.00% → 3.75% → 3.50%

| 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

Rate History: 4.00% → 3.90% → 3.75% → 3.50%

| 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

Rate History: 3.95% → 3.85% → 3.80% → 3.45%

Rate History: 3.45% → 3.65% → 3.35%

| 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

Rate History: 4.07% → 3.71% → 3.51% → 3.35%

Rate History: 4.25% → 3.29%

| 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

Rate History: 2.75% → 2.65% → 3.00%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 3.05% → 2.53%

Rate History: 1.00% → 2.42%

| 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

Rate History: 2.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.65%

$10,000

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1.61%

$100,000

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1.56%

$100,000

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| May 29, 2020

Dua Read More

1.55%

$100,000

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1.53%

$10,000

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1.51%

$10,000

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1.51%

$1,000

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1.51%

$10,000

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1.51%

$10,000

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1.51%

$10,000

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1.51%

$100,000

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1.51%

$10,000

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Rate History: 2.50% → 1.50%

| 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

1.50%

$100,000

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1.49%

$1,000

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| Mar 19, 2021

... Read More

1.41%

$100,000

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1.41%

$10,000

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1.41%

$100,000

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1.41%

$100,000

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1.41%

$100,000

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1.40%

$10,000

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1.40%

$100,000

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1.36%

$100,000

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1.35%

$100,000

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1.35%

$10,000

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Rate History: 1.00% → 1.35% → 1.30% → 1.35%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

1.31%

$10,000

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1.31%

$10,000

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1.31%

$10,000

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1.31%

$100,000

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1.31%

$10,000

-

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1.30%

$1,000

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1.30%

$10,000

-

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1.26%

$1,000

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1.26%

$90,000

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1.26%

$10,000

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1.26%

$10,000

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1.26%

$10,000

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1.26%

$10,000

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1.26%

$10,000

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1.25%

$10,000

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1.25%

$100,000

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1.25%

$10,000

-

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1.25%

$10,000

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1.25%

$10,000

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1.25%

$10,000

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1.21%

$10,000

-

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| 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

1.21%

$100,000

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1.21%

$10,000

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1.20%

$10,000

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1.20%

$10,000

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1.20%

$10,000

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1.16%

$100,000

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| 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

| Jun 25, 2016

Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More

| Dec 1, 2020

Worth the drive out to the country! Read More

| Oct 22, 2021

TrustTexas Bank was founded in 1921. Read More

1.16%

$100,000

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1.15%

$10,000

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1.15%

$10,000

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| 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

1.11%

$10,000

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1.11%

$10,000

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1.11%

$10,000

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1.11%

$100,000

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1.10%

$10,000

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1.10%

$10,000

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1.10%

$10,000

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1.10%

$10,000

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1.10%

$1,000

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1.10%

$100,000

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1.10%

$10,000

-

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1.06%

$500

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1.06%

$10,000

-

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1.06%

$10,000

-

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| 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

1.06%

$10,000

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| Jun 25, 2016

Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More

| Dec 1, 2020

Worth the drive out to the country! Read More

1.06%

$10,000

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1.05%

$10,000

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1.05%

$10,000

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1.05%

$100,000

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| Feb 6, 2023

Lindale Community Bank with employees that care. Read More

| Oct 22, 2021

TrustTexas Bank was founded in 1921. Read More

1.01%

$100,000

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1.00%

$10,000

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1.00%

$500

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1.00%

$1,000

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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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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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| Aug 4, 2022

Great CD rates & service Read More

1.00%

$10,000

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| Jun 28, 2017

showmefivethousanddollars Read More

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%

$100,000

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0.98%

$100,000

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0.97%

$2,500

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0.97%

$100,000

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0.95%

$100,000

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0.90%

$500

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$1,000

-

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0.90%

$10,000

-

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0.90%

$100,000

-

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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%

$10,000

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0.90%

$10,000

-

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0.90%

$10,000

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0.90%

$100,000

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0.90%

$100,000

-

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| 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

0.90%

$100,000

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0.90%

$10,000

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0.90%

$10,000

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0.88%

$10,000

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0.87%

$1,000

-

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0.85%

$10,000

-

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| Jul 1, 2021

What day of the month do you report to the credit bureaus Read More

| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

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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| 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

| 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

| Jan 8, 2024

Awful, rude unprofessional! Beware Read More

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%

$100,000

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0.80%

$10,000

-

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0.80%

$10,000

-

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| 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

| Mar 10, 2021

when and what is cost Read More

| 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

0.80%

$100,000

-

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0.80%

$100,000

-

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| 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

0.75%

$10,000

-

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0.75%

$1,000

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0.75%

$5,000

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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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| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

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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| May 21, 2021

this bank is pooooooooooooooooooop Read More

0.70%

$100,000

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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%

$10,000

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0.70%

$100,000

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0.65%

$250

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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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0.65%

$10,000

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0.65%

$100,000

-

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0.65%

$10,000

-

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| Jan 26, 2022

You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More

| Jan 29, 2019

The Bank does not have this product. Read More

| 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

0.65%

$10,000

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0.60%

$1,000

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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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| 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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| 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

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

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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0.55%

$10,000

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| 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

0.55%

$10,000

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0.50%

$10,000

-

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| 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

0.50%

$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%

$1,000

-

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| 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

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%

$10,000

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0.50%

$10,000

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| 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

0.50%

$100,000

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0.50%

$10,000

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0.50%

$10,000

-

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| Jan 26, 2022

You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More

0.45%

$1,000

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0.45%

$10,000

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0.45%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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| 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

| Mar 16, 2020

What is the current 30 year mortgage rate? Read More

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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0.36%

$10,000

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0.35%

$10,000

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0.35%

$2,500

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

| 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

| 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

| 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

| 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

| 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

| 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

0.25%

$10,000

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| 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

0.25%

$10,000

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| 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

| 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

0.15%

$10,000

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| 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

| Dec 30, 2018

Garden14 Read More

0.10%

$10,000

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0.06%

$1,000

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Rate History: 0.03% → 0.05%

| 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

| 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

0.00%

$10,000

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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 10116


Branch Street City State
Harmony Bank
Waxahachie Branch
104 Broadhead Road Waxahachie TX
The MINT National Bank
The Mint National Bank Branch
1213 Kingwood Drive Kingwood TX
Amerant Bank, Formerly Mercantil Bank
Town & Country Bank Branch
750 Town And Country Boulevard, Suite 100 Houston TX
Capital One, National Association
Marshall Main Office Branch
100 North Bolivar Street Marshall TX
Monet Bank
Beal Bank, Ssb Branch
6000 Legacy Drive Plano TX
Bank of Hope
Dallas Branch
2237 Royal Ln Dallas TX
Texas Bank
Prosper Branch
805 East 1st Street Prosper TX
T Bank, National Association
T Bank, National Association Branch
16200 Dallas Parkway, Suite 190 Dallas TX
T Bank, National Association
T Bank, National Association Branch
16200 Dallas Parkway, Suite 190 Dallas TX
First Financial Bank
First Financial Huntsville Branch
33 Highway 75 North Huntsville TX
NexBank
Nexbank, Ssb Branch
2515 Mckinney Ave, Suite 1100 Dallas TX
Amarillo National Bank
Amarillo National Bank Branch
410 S Taylor Amarillo TX
Charter Bank
Charter Bank Branch
10502 Leopard Street Corpus Christi TX
VeraBank, National Association
Corsicana Downtown Branch
100 North Main Street Corsicana TX
Zions Bank
Dickinson Termini Branch
3911 Hwy 3 Dickinson TX
Southside Bank
Cleveland Branch
200 East Crockett Street Cleveland TX
VeraBank, National Association
Corsicana Downtown Branch
100 North Main Street Corsicana TX
VeraBank, National Association
Corsicana Downtown Branch
100 North Main Street Corsicana TX
Southside Bank
Cleveland Branch
200 East Crockett Street Cleveland TX
Citibank, National Association
Las Colinas Employee Financial Cente Branch
6460 Colinas Boulevard Irving TX
JPMorgan Chase Bank, National Association
Richardson Branch
100 North Central Expressway Richardson TX
Security Bank of Texas
Security Bank Of Crawford Branch
6688 N Lone Star Parkway Crawford TX
Henderson Federal Savings Bank
Henderson Federal Savings Bank Branch
130 North Marshall Street Henderson TX
Cendera Bank, National Association
Cendera Bank, National Association Branch
615 E. Bells Blvd Bells TX
BOKF, National Association
Sherry Lane Corporate Offices Branch
5956 Sherry Ln., Ste 1100 Dallas TX
Cattlemens Bank
Addison Branch
16400 N. Dallas Pkwy Dallas TX
First National Bank of Bosque County
First National Bank Of Bosque County Branch
418 Avenue C Valley Mills TX
Central National Bank
Central National Bank Branch
8320 West Highway 84 Waco TX
The First National Bank of Moody
The First National Bank Of Moody Branch
101 7th St Moody TX
First National Bank of Central Texas
First National Bank Of Central Texas Branch
1835 North Valley Mills Drive Waco TX
UBank
Huntington State Bank Branch
208 Hwy 69 South Huntington TX
Henderson Federal Savings Bank
Henderson Federal Savings Bank Branch
130 North Marshall Street Henderson TX
Greater State Bank
Greater State Bank Branch
3300 North 10th Street Mcallen TX
The First National Bank of McGregor
The First National Bank Of Mcgregor Branch
401 South Main Street Mc Gregor TX
USAA Federal Savings Bank
Usaa Federal Savings Bank Branch
10750 Mcdermott Freeway San Antonio TX
Pavillion Bank
Pavillion Bank Branch
1200 W Campbell Road Richardson TX
Citizens State Bank
Marlin Branch
101 Live Oak Street Marlin 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
Cendera Bank, National Association
Cendera Bank, National Association Branch
615 E. Bells Blvd Bells TX
Fannin Bank
Fannin Bank Branch
230 East 3rd Street Bonham TX
First State Bank of Bedias
First State Bank Of Bedias Branch
Main And Highway 90 Bedias TX
Freedom Bank
Brush Country Bank Branch
902 E Riley St Freer TX
Fannin Bank
Fannin Bank Branch
230 East 3rd Street Bonham TX
Kleberg Bank, N.A.
Kleberg Bank, N.A. Branch
100 East Kleberg Avenue Kingsville TX
Spring Hill State Bank
Spring Hill State Bank Branch
3700 Gilmer Road Longview TX
Maverick Bank
Fort Davis State Bank Branch
100 North State Street Fort Davis TX
Cattlemens Bank
Addison Branch
16400 N. Dallas Pkwy Dallas TX
Woodforest National Bank
0108 Highlands Branch
420 South Main Street Highlands TX
Crossroads Bank
First State Bank Branch
406 West Grand Avenue Yoakum TX
Texas National Bank of Jacksonville
Texas National Bank Of Jacksonville Branch
300 Neches Street Jacksonville TX
First State Bank of Bedias
First State Bank Of Bedias Branch
Main And Highway 90 Bedias TX
Austin County State Bank
Austin County State Bank Branch
436 South Front Street Bellville TX
Community Bank & Trust, Waco, Texas
Community Bank & Trust, Waco, Texas Branch
1800 Washington Avenue Waco TX
Maverick Bank
Fort Davis State Bank Branch
100 North State Street Fort Davis TX
Kleberg Bank, N.A.
Kleberg Bank, N.A. Branch
100 East Kleberg Avenue Kingsville TX
First State Bank
First State Bank Branch
1526 Fourth Street Graham TX
Sage Capital Bank,
Sage Capital Bank, Branch
1606 North Sarah Dewitt Drive Gonzales TX
Ciera Bank
Ciera Bank Branch
623 Elm Street Graham TX
One World Bank
One World Bank Branch
2449 Walnut Hill Lane Dallas TX
Greater State Bank
Greater State Bank Branch
3300 North 10th Street Mcallen TX
Spring Hill State Bank
Spring Hill State Bank Branch
3700 Gilmer Road Longview TX
Freedom Bank
Brush Country Bank Branch
902 E Riley St Freer TX
The First National Bank of Evant
The First National Bank Of Evant Branch
115 N Memory Drive Evant TX
Texas State Bank
Texas State Bank Branch
2201 Sherwood Way San Angelo TX
Farmers Bank & Trust Company
Richmond Road Branch
3625 Richmond Road Texarkana TX
Pavillion Bank
Pavillion Bank Branch
1200 W Campbell Road Richardson TX
Fayette Savings Bank, SSB
Fayette Savings Bank, Ssb Branch
111 East Travis La Grange TX
Freedom Bank
Brush Country Bank Branch
902 E Riley St Freer TX
First National Bank of Dublin
First National Bank Of Dublin Branch
825 North Patrick Street Dublin TX
The First National Bank of Tom Bean
The First National Bank Of Tom Bean Branch
109 S Britton St Tom Bean TX
SouthStar Bank, S.S.B.
Bremond Branch
109 Commerce Street Bremond TX
Austin County State Bank
Austin County State Bank Branch
436 South Front Street Bellville TX
First Guaranty Bank
Mckinney Branch
8951 Synergy Dr., Suite 100 Mckinney TX
First Federal Community Bank, SSB
First Federal Community Bank, Ssb Branch
630 Clarksville St Paris TX
Schertz Bank & Trust
Schertz Bank & Trust Branch
519 Main Street Schertz TX
Fayetteville Bank
Fayetteville Bank Branch
107 West Fayette Street Fayetteville TX
Industry State Bank
New Ulm Branch
1210 Fm 109 New Ulm TX
The First National Bank of Bellville
The First National Bank Of Bellville Branch
100 East Main Street Bellville TX
Bank of Brenham, National Association
Bank Of Brenham, National Association Branch
501 South Austin Street Brenham TX
TrustTexas Bank, SSB
Trusttexas Bank, Ssb Branch
121 East Courthouse Cuero TX
The First National Bank of Shiner
The First National Bank Of Shiner Branch
103 West 7th Street Shiner TX
The Liberty National Bank in Paris
The Liberty National Bank In Paris Branch
305 Lamar Avenue Paris TX
Round Top State Bank
Eagle Bank Branch
121 N 5th Street Jarrell TX
Texas First Bank
Hull State Bank Branch
100 Walnut Ln Hull TX
First National Bank and Trust Company of Weatherford
First National Bank And Trust Compan Branch
220 Palo Pinto Street Weatherford TX
CapTex Bank
The First National Bank Of Trenton Branch
106 Hamilton Square Trenton TX
State Bank of De Kalb
State Bank Of De Kalb Branch
102 S.W. Runnels Street De Kalb TX
The First National Bank of Hebbronville
The First National Bank Of Hebbronvi Branch
305 North Smith Street Hebbronville TX
Frontier Bank of Texas
Frontier Bank Of Texas Branch
1213 Highway 290 Elgin TX
Western Bank
Loraine Branch
100 S Main Street Loraine TX
Texas Security Bank
Texas Security Bank Branch
1212 Turtle Creek Blvd. Dallas TX
Farmers State Bank
Wortham Branch
110 West Main Avenue Wortham TX
SouthStar Bank, S.S.B.
Bremond Branch
109 Commerce Street Bremond TX
First State Bank and Trust Company
First State Bank And Trust Company Branch
110 West Panola Street Carthage TX
Citizens State Bank
Citizens State Bank Branch
155 Eighth Street Somerville TX
Fayetteville Bank
Fayetteville Bank Branch
107 West Fayette Street Fayetteville TX
Gilmer National Bank, Gilmer, Texas
Gilmer National Bank, Gilmer, Texas Branch
713 Us Highway 271 N Gilmer TX
The Waggoner National Bank of Vernon
The Waggoner National Bank Of Vernon Branch
1818 Texas Street Vernon TX
Industry State Bank
New Ulm Branch
1210 Fm 109 New Ulm TX
First National Bank
First National Bank Branch
3801 Fairway Boulevard Wichita Falls TX
The First National Bank of Bellville
The First National Bank Of Bellville Branch
100 East Main Street Bellville TX
Bank of Brenham, National Association
Bank Of Brenham, National Association Branch
501 South Austin Street Brenham TX
The First National Bank of Shiner
The First National Bank Of Shiner Branch
103 West 7th Street Shiner TX
Commercial National Bank of Texarkana
Commercial National Bank Of Texarkan Branch
5515 Summerhill Road Texarkana TX
First Security State Bank
First Security State Bank Branch
303 Third Street Cranfills Gap TX
Wallis Bank
Wallis State Bank Branch
6510 Railroad Street Wallis TX
Broadstreet Bank S S B
Mineola Community Bank, S.S.b. Branch
215 West Broad Mineola TX
TrustTexas Bank, SSB
Trusttexas Bank, Ssb Branch
121 East Courthouse Cuero TX
The First National Bank of Anderson
The First National Bank Of Anderson Branch
1071 Hwy 90 South Anderson TX
West Texas State Bank
Edwards Street Branch
Edwards Street Rowena TX
Sage Capital Bank,
Sage Capital Bank, Branch
1606 North Sarah Dewitt Drive Gonzales TX
Texas State Bank
Texas State Bank Branch
2201 Sherwood Way San Angelo TX
First National Bank Texas
First National Bank Texas Branch
507 North Gray Street Killeen TX
The Donley County State Bank
The Donley County State Bank Branch
201 South Kearney Clarendon TX
Crowell State Bank
Crowell State Bank Branch
100 East Commerce St. Crowell TX
First Bank
First Bank Branch
300 East Third Burkburnett TX
TexasBank
Bangs Banking Branch
501 East Hall Street Bangs TX
First Texoma National Bank
Post Oak Crossing Branch
3401 Highway 1417 Sherman TX
Wallis Bank
Wallis State Bank Branch
6510 Railroad Street Wallis TX
Susser Bank
Affiliated Bank Branch
500 Harwood Rd. Bedford TX
Austin Bank, Texas National Association
Rusk Branch
401 North Main Street Rusk TX
First Savings Bank
El Paso Mesa Branch
909 North Mesa El Paso TX
Citizens 1st Bank
Citizens 1st Bank Branch
2001 East Southeast Loop 323 Tyler TX
First State Bank and Trust Company
First State Bank And Trust Company Branch
110 West Panola Street Carthage TX
Carmine State Bank
Carmine State Bank Branch
235 Centennial Street Carmine TX
Peoples State Bank of Hallettsville
Peoples State Bank Of Hallettsville Branch
116 East Third Street Hallettsville TX
First State Bank of San Diego
First State Bank Of San Diego Branch
209 E Gravis St San Diego TX
Southwestern National Bank
Southwestern National Bank Branch
6901 Corporate Drive Houston TX
Rio Bank
Rio Bank Branch
1655 North 23rd Street Mcallen TX
Texas National Bank
Texas National Bank Branch
201 S. Texas Mercedes TX
The Bank and Trust, S.S.B.
The Bank And Trust, S.S.b. Branch
1200 Avenue F Del Rio TX
The Bank and Trust, S.S.B.
The Bank And Trust, S.S.b. Branch
1200 Avenue F Del Rio TX
Transpecos Banks, SSB
Transpecos Banks, Ssb Branch
115 West 3rd Street Pecos TX
The Community Bank
The Community Bank Branch
507 U S Hwy 380 Bridgeport TX
Alliance Bank
Wolfe City Office Branch
101 East Main Wolfe City TX
First National Bank Texas
First National Bank Texas Branch
507 North Gray Street Killeen TX
FirstBank Southwest
Hereford Branch
300 North Main Street Hereford TX
First United Bank
First United Bank Lamesa Branch
601 North First Street Lamesa TX
American National Bank & Trust
The First National Bank Of Chillicot Branch
200 Avenue H Chillicothe TX
The Jacksboro National Bank
The Jacksboro National Bank Branch
910 N Main Street Jacksboro TX
Texas Bank and Trust Company
Texas Bank And Trust Company Branch
231 East Tyler Street Canton TX
The First National Bank in Cooper
The First National Bank In Cooper Branch
11 West Side Square Cooper TX
Citizens National Bank at Brownwood
Citizens National Bank At Brownwood Branch
1 Carnegie Brownwood TX
Extraco Banks, National Association
Gatesville Branch
800 East Main Street Gatesville TX
First National Bank of Huntsville
First National Bank Of Huntsville Branch
1300 Eleventh Street Huntsville TX
Shelby Savings Bank, SSB
Shelby Savings Bank, Ssb Branch
111 Selma Street Center TX
The First National Bank of Livingston
The First National Bank Of Livingsto Branch
2121 Highway 190 West Livingston TX
The Buckholts State Bank
The Buckholts State Bank Branch
100 North Fourth Street Buckholts TX
Peoples State Bank of Hallettsville
Peoples State Bank Of Hallettsville Branch
116 East Third Street Hallettsville 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
Texas National Bank
Texas National Bank Branch
201 S. Texas Mercedes TX
Bank of South Texas
Bank Of South Texas Kingsville Branc Branch
300 East King Street Kingsville TX
Herring Bank
123 South Kearney Branch
105 Kearney St Clarendon TX
Prosperity Bank
Mathis Branch
103 North Highway 359 Mathis TX
Commercial Bank of Texas, National Association
Commercial Bank Of Texas, National Association Branch
215 East Main Street Nacogdoches TX
NBH Bank
Dallas-Mckinney Branch
3102 Maple Ave Dallas TX
The City National Bank of Sulphur Springs
First National Bank Of Mineola Branc Branch
200 North Pacific Street Mineola TX
The First National Bank of Winnsboro
The First National Bank Of Winnsboro Branch
315 North Main Street Winnsboro TX
MCBank
Mills County State Bank Hico Branch
135 North Pecan Hico TX
The First National Bank of Livingston
The First National Bank Of Livingsto Branch
2121 Highway 190 West Livingston TX
Texas Regional Bank
Blanco Branch
416 4th Street Blanco TX
Bank of DeSoto, National Association
Bank Of Desoto, National Association Branch
2011 North Hampton Road De Soto TX
Benchmark Bank
Benchmark Bank Branch
5700 Legacy Drive Suite 10 Plano TX
First United Bank
First United Bank Lamesa Branch
601 North First Street Lamesa TX
The Jacksboro National Bank
The Jacksboro National Bank Branch
910 N Main Street Jacksboro TX
The First National Bank of East Texas
The First National Bank Of Gilmer Branch
206 Us Highway 271 N Gilmer TX
MCBank
Mills County State Bank Hico Branch
135 North Pecan Hico TX
Farmers State Bank
Carthage Branch
114 West Wellington Carthage TX
Texas Regional Bank
Blanco Branch
416 4th Street Blanco TX
Guadalupe Bank
Guadalupe National Bank Branch
1309 Bandera Hwy Kerrville TX
Stellar Bank
Gulf Freeway Branch
7125 Gulf Freeway Houston TX
Capital Bank
Capital Bank Branch
10304 East Freeway Jacinto City TX
HomeTown Bank, National Association
Hometown Bank, National Association Branch
1801 45th Street Galveston TX
Liberty Capital Bank
Liberty Capital Bank Branch
5055 Keller Springs Road, Suite 120 Addison TX
City Bank
Levelland Branch
600 College Avenue Levelland TX
Bank of Houston
The Dublin National Bank Branch
128 South Patrick Street Dublin TX
First State Bank
First State Bank Branch
200 N. Brazosport Blvd. Clute TX
Legend Bank, N.A.
Alvord Branch
110 Franklin Street Alvord TX
The State National Bank of Big Spring
The State National Bank Of Big Sprin Branch
901 Main Street Big Spring TX
Bank of the West
Bank Of The West Branch
108 West Northwest Highway Grapevine TX
TexasBank
Bangs Banking Branch
501 East Hall Street Bangs TX
Prosperity Bank
Mathis Branch
103 North Highway 359 Mathis TX
First Command Bank
First Command Bank Branch
1 Firstcomm Plaza Fort Worth TX
The American National Bank of Mount Pleasant
The American National Bank Of Mount Branch
301 South Madison Avenue Mount Pleasant TX
Incommons Bank, N.A.
Incommons Bank, N.A. Branch
301 East Commerce Street Mexia TX
Shelby Savings Bank, SSB
Shelby Savings Bank, Ssb Branch
111 Selma Street Center TX
The Buckholts State Bank
The Buckholts State Bank Branch
100 North Fourth Street Buckholts TX
Texas Gulf Bank, National Association
Texas Gulf Bank, National Association Branch
1626 South Voss Rd. Houston TX
First State Bank of San Diego
First State Bank Of San Diego Branch
209 E Gravis St San Diego TX
Lone Star Bank
Lone Star Bank Branch
2600 South Gessner Road Houston TX
The Brady National Bank
The Brady National Bank Branch
101-109 South Blackburn Street Brady TX
FirstBank Southwest
Hereford Branch
300 North Main Street Hereford TX
Community National Bank & Trust of Texas
First National Bank Branch
101 North Mount Fairfield TX
Cypress Bank, SSB
801 N Jefferson Branch
801 N. Jefferson Mount Pleasant TX
Capital Bank
Capital Bank Branch
10304 East Freeway Jacinto City TX
HomeTown Bank, National Association
Hometown Bank, National Association Branch
1801 45th Street Galveston TX
First State Bank of Odem
First State Bank Of Odem Branch
201 Main Street Odem TX
Great Southern Bank
Great Southern Bank Branch
8201 Preston Road, Suite 305 Dallas TX
Security State Bank & Trust
Harper Branch
23596 West Highway 290 Harper TX
The Brady National Bank
The Brady National Bank Branch
101-109 South Blackburn Street Brady TX
First Federal Bank Littlefield, Texas
First Federal Bank Littlefield, Texas Branch
2313 Phelps Ave. Littlefield TX
PlainsCapital Bank
First National Bank Branch - Edinbur
100 West Cano Street Edinburg TX
North Dallas Bank & Trust Co.
North Dallas Bank & Trust Co. Branch
12900 Preston Road Dallas TX
Guaranty Bank & Trust, N.A.
Guaranty Bank & Trust, N.A. Branch
100 West Arkansas Street Mount Pleasant TX
Pegasus Bank
Pegasus Bank Branch
4515 W. Mockingbird Lane Dallas TX
Commonwealth Business Bank
Dallas Branch
2164 Royal Lane Dallas TX
Vantage Bank Texas
Vantage Bank Texas Branch
45 Ne Loop 410 San Antonio TX
The First State Bank
Sweeny Branch
208 Second Street Sweeny TX
Security State Bank & Trust
Harper Branch
23596 West Highway 290 Harper TX
Hanmi Bank
Garland Branch
4555 West Walnut Garland TX
Pilgrim Bank
Iowa Park Branch
104 West Park Street Iowa Park TX
Wellington State Bank
Wellington State Bank Branch
1000 Eighth Street Wellington TX
Prosperity Bank
Mathis Branch
103 North Highway 359 Mathis TX
First Federal Bank Littlefield, Texas
First Federal Bank Littlefield, Texas Branch
2313 Phelps Ave. Littlefield TX
North Dallas Bank & Trust Co.
North Dallas Bank & Trust Co. Branch
12900 Preston Road Dallas TX
The First National Bank of Tom Bean
The First National Bank Of Tom Bean Branch
109 S Britton St Tom Bean TX
Armed Forces Bank, National Association
Armed Forces Bank, National Association Branch
1611 Marshall Road Fort Bliss TX
First National Bank of Burleson
First National Bank Of Burleson Branch
899 Northeast Alsbury And I-35 Burleson TX
First National Bank of Huntsville
First National Bank Of Huntsville Branch
1300 Eleventh Street Huntsville TX
Castroville State Bank
Castroville State Bank Branch
Paris And Lorenzo Castroville TX
First State Bank of Odem
First State Bank Of Odem Branch
201 Main Street Odem TX
Hanmi Bank
Garland Branch
4555 West Walnut Garland TX
Lone Star National Bank
Lone Star National Bank Branch
206 West Ferguson Street Pharr TX
Inwood National Bank
Commerce Branch
1312 Washington Street Commerce TX
TXN Bank
The Hondo National Bank Branch
1112 Eighteenth Street Hondo TX
The First Bank of Celeste
The First Bank Of Celeste Branch
301 N. Hwy 69 Celeste TX
First National Bank of Lake Jackson
First National Bank Of Lake Jackson Branch
122 West Way Lake Jackson TX
Benchmark Bank
Benchmark Bank Branch
5700 Legacy Drive Suite 10 Plano TX
Pinnacle Bank
Pinnacle Bank Branch
309 South Old Betsy Road Keene TX
West Texas National Bank
Pecos Branch
112 East Sixth Street Pecos TX
InterBank
Waxahachie Branch
300 Us 77 North Waxahachie TX
Wellington State Bank
Wellington State Bank Branch
1000 Eighth Street Wellington TX
First Capital Bank
First Capital Bank Branch
Third And Mercer Streets Quanah TX
American Momentum Bank
Graham Road Branch
4030 Highway 6 South College Station TX
FSNB, National Association
Fsnb - Sheppard Bx Branch
Building 239 Sheppard Afb TX
Clear Fork Bank, National Association
The First National Bank Of Albany Branch
100 South Main Street Albany TX
Titan Bank, N.A.
Titan Bank, N.A. Branch
1701 East Hubbard Avenue Mineral Wells TX
Coleman County State Bank
Coleman County State Bank Branch
118 West Pecan Street Coleman TX
American State Bank
American State Bank Branch
102 W Front Arp TX
First National Bank in Port Lavaca
First National Bank In Port Lavaca Branch
1101 Hwy 35 Bypass South Port Lavaca TX
Pegasus Bank
Pegasus Bank Branch
4515 W. Mockingbird Lane Dallas TX
PrimeBank of Texas
Crystal City Branch
925 N. Veterans Blvd. Crystal City TX
First State Bank of Uvalde
First State Bank Of Uvalde Branch
200 East Nopal Street Uvalde TX
Castroville State Bank
Castroville State Bank Branch
Paris And Lorenzo Castroville TX
NewFirst National Bank
Wharton Branch
101 East Milam Street Wharton TX
Cathay Bank
Houston Branch
9440 Bellaire Boulevard, Suite 118 Houston TX
WestStar Bank
Fabens Branch
1500 North Fabens Road Fabens TX
U.S. Bank National Association
Dallas Parkway Branch
14241 Dallas Parkway Dallas TX
Colonial Savings, F.A.
Mortgage Servicing Operations Branch
2600 West Freeway Fort Worth TX
The American National Bank of Texas
Allen Branch
720 South Greenville Avenue Allen TX
Veritex Community Bank
Hurst Branch
860 W. Airport Freeway, Suite 100 Hurst TX
NBT Financial Bank
The National Bank Of Texas At Fort W Branch
2535 N.E. 28th Street Fort Worth TX
Cornerstone Capital Bank, SSB
The Roscoe State Bank Branch
117 Cypress St Roscoe TX
Coleman County State Bank
Coleman County State Bank Branch
118 West Pecan Street Coleman TX
SNB Bank, National Association
Snb Bank Na-Booker Branch
010 South Main Ave Booker TX
The First National Bank of Hughes Springs
Atlanta Branch
220 North Louise Atlanta TX
Bank of Hope
Dallas Branch
2237 Royal Ln Dallas TX
WestStar Bank
Fabens Branch
1500 North Fabens Road Fabens TX
UMB Bank, National Association
Fort Worth Branch
100 Lexington Street, Suite 100 Fort Worth TX
Broadway National Bank
Broadway National Bank Branch
1177 N.E. Loop 410 San Antonio TX
Metro City Bank
Dallas Branch
9788 Walnut Street Dallas TX
East West Bank
Industrial Branch
6730 Capitol Avenue Houston TX
Washington Federal Bank
Midtown Branch
5430 Lbj Freeway Dallas TX
Falcon International Bank
Falcon International Bank Branch
7718 Mcpherson Rd. Bldg. F Laredo TX
First United Bank and Trust Company
Bonham Branch
120 West Sam Rayburn Drive Bonham TX
Origin Bank
Preston Banking Center Branch
8222 Douglas Avenue, One Preston Centre Dallas TX
First State Bank
First State Bank Branch
601 College Junction TX
U.S. Bank National Association
Dallas Parkway Branch
14241 Dallas Parkway Dallas TX
Comerica Bank
Comerica Bank Branch
1717 Main Street Dallas TX
The Brenham National Bank
The Brenham National Bank Branch
2211 South Day Street Brenham TX
First-Citizens Bank & Trust Company
Congress Avenue Branch
710 Congress Avenue Austin 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
Yorktown Branch
311 East Main Street Yorktown TX
Regions Bank
Atlanta Main Branch
307 North William Street Atlanta TX
Truist Bank
Caddo Mills Branch
2312 Main Street Caddo Mills TX
Bank of America, National Association
Forney Branch
100 West Highway 80 @ Fm 740 Forney TX
Regions Bank
Atlanta Main Branch
307 North William Street Atlanta TX
Citizens National Bank of Texas
Citizens National Bank Of Texas Branch
200 North Elm Street Waxahachie TX


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected 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.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% 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.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

  • 5 year CDs provide the highest rate of the common CD terms.
  • The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

  • The money is locked away for five years and cannot be withdrawn without a substantial 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.

SAVINGS & CD CALCULATOR

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