Texas

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Sulphur Springs, Texas CD Rates – 6-Month

You are viewing rates from banks across Sulphur Springs

 

Below are the best six-month CD Rates from banks with branches in Sulphur Springs, Texas . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Sulphur Springs, TX - July 5, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 3.00% → 2.00% → 1.50%

| Jan 2, 2023

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

0.50%

$10,000

16.57

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| Feb 17, 2022

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

0.35%

$10,000

20.55

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0.35%

$10,000

20.54

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| Feb 6, 2023

Lindale Community Bank with employees that care. Read More

0.35%

$10,000

21.10

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0.30%

$10,000

17.41

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| Feb 17, 2022

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

0.30%

$10,000

1.64

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0.25%

$1,000

0.36

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0.25%

$100,000

2.52

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| Feb 17, 2022

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

0.25%

$10,000

17.63

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0.20%

$10,000

2.52

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0.20%

$10,000

17.48

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0.20%

$10,000

21.85

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0.15%

$100,000

17.94

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0.10%

$1,000

3.01

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0.10%

$10,000

17.94

Learn More
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 Sulphur Springs, TX - July 5, 2025


Branch Street City State
JPMorgan Chase Bank, National Association
Commerce Branch
1305 Washington Street Commerce TX
The First National Bank in Cooper
The First National Bank In Cooper Branch
11 West Side Square Cooper TX
Prosperity Bank
Winnsboro Branch
101 North Main Winnsboro TX
Commercial Bank of Texas, National Association
Emory Branch
107 Quitman Street Emory TX
The City National Bank of Sulphur Springs
Emory Branch
700 East Lennon Drive Emory TX
Broadstreet Bank S S B
South Main Branch
500 South Main Winnsboro TX
The First National Bank of Winnsboro
South Town Branch
100 E Coke Road Winnsboro TX
Guaranty Bank & Trust, N.A.
Commerce Branch
1108 Park Commerce TX
Prosperity Bank
Winnsboro Branch
101 North Main Winnsboro TX
Texas Heritage National Bank
Sulphur Springs-Branch
215 N Hillcrest Sulphur Springs TX
Alliance Bank
Alliance Bank Branch
100 Jefferson Street Sulphur Springs TX
First National Bank Texas
Sulphur Springs Banking Center - Rc Branch
1750 South Broadway Sulphur Springs TX
Prosperity Bank
Winnsboro Branch
101 North Main Winnsboro TX
Cypress Bank, SSB
Live Oak At Washington Branch
1702 Live Oak Commerce TX
First National Bank Texas
Sulphur Springs Banking Center - Rc Branch
1750 South Broadway Sulphur Springs TX
Inwood National Bank
Commerce Branch
1312 Washington Street Commerce TX
Austin Bank, Texas National Association
Emory Branch
610 West Lennon Drive Emory TX
The First National Bank of East Texas
Lake Country Branch
1947 Fm 2946 Emory TX
Pilgrim Bank
Sulphur Springs Branch
1404 South Braodway Sulphur Springs TX
The First National Bank of East Texas
Lake Country Branch
1947 Fm 2946 Emory TX


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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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