Best Special Rates and Terms in Waco, Texas, TX

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Below are special Certificate of Deposit special rates and terms from banks in Waco, Texas. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.

Waco, TX - November 4, 2026

What is the best special CD rate in Waco, TX?

As of November 4, 2026, the highest special CD rate from a bank in Waco, TX is 3.80% APY from Bank of America, National Association (minimum deposit $100,000). The best rate with a $1,000 minimum or less is 3.25% APY from CIT Bank, a division of First-Citizens Bank and Trust (minimum deposit $1,000). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.

Bank	APY	MIN	PERIOD
Bank of America, National Association Midway Branch	3.80% 3.51% 3.51%	$100,000 $10,000	7 months	Learn More Reviews (7)
Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80%
Wells Fargo Bank, National Association Hewitt-Woodway Branch	3.74%	$2,500	7 months	Learn More Reviews (7)
Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74%
Wells Fargo Bank, National Association Hewitt-Woodway Branch	3.64%	$2,500	15 months	Learn More Reviews (7)
Rate History: 3.74% → 3.64%
Wells Fargo Bank, National Association Hewitt-Woodway Branch	3.59%	$2,500	11 months	Learn More Reviews (7)
Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59%
CIT Bank, a division of First-Citizens Bank and Trust	3.25%	$1,000	13 months	Learn More Reviews (33)
Rate History: 3.50% → 3.35% → 3.25%
Bank of America, National Association Midway Branch	2.95%	$10,000	10 months	Learn More Reviews (7)
Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95%
JPMorgan Chase Bank, National Association Midway Banking Center Branch	2.25%	$100,000	6 months	Learn More Reviews (18)
Rate History: 1.50% → 1.01% → 0.75% → 0.50% → 2.25%
Bank of America, National Association Midway Branch	2.00%	$10,000	13 months	Learn More Reviews (7)
Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00%
Bank of America, National Association Midway Branch	1.75%	$10,000	25 months	Learn More Reviews (7)
The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. Rate History: 3.20% → 3.00% → 2.00% → 1.75% → 1.75%

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 Waco, TX - November 4, 2026

Branch	Street	City	State
Bank of America, National Association Midway Branch	401 Hewitt Drive	Waco	TX
Wells Fargo Bank, National Association Hewitt-Woodway Branch	8900 Us Hwy 84	Waco	TX
Wells Fargo Bank, National Association Hewitt-Woodway Branch	8900 Us Hwy 84	Waco	TX
Wells Fargo Bank, National Association Hewitt-Woodway Branch	8900 Us Hwy 84	Waco	TX
Bank of America, National Association Midway Branch	401 Hewitt Drive	Waco	TX
Bank of America, National Association Midway Branch	401 Hewitt Drive	Waco	TX
JPMorgan Chase Bank, National Association Midway Banking Center Branch	800 Hewitt Drive	Waco	TX
Bank of America, National Association Midway Branch	401 Hewitt Drive	Waco	TX
Bank of America, National Association Midway Branch	401 Hewitt Drive	Waco	TX