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Texas CD Rates 2016

Below are the best one year CD Rates from banks in Texas. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

TX - September 24, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Plains State Bank 1.26% $1,000 -
Capital Bank 1.26% $5,000 -
Triumph Savings Bank, Ssb 1.25% $1,000 -
Nexbank, Ssb 1.25% $10,000 -
Fayette Savings Bank, Ssb 1.25% $2,500 -
The First National Bank Of Bellville 1.24% $100,000 -
Fayetteville Bank 1.24% $100,000 -
The First National Bank Of Shiner 1.24% $100,000 -
Citizens State Bank 1.24% $100,000 -
Industry State Bank 1.24% $100,000 -
Bank Of Brenham, National Association 1.24% $100,000 -
Interstate Bank, Ssb 1.15% $100,000 -
The First National Bank Of Bellville 1.14% $1,000 -
Fayetteville Bank 1.14% $500 -
The First National Bank Of Shiner 1.14% $1,000 -
Citizens State Bank 1.14% $1,000 -
Industry State Bank 1.14% $1,000 -
Bank Of Brenham, National Association 1.14% $500 -
Bank Of South Texas 1.05% $1,000 -
Round Top State Bank 1.01% $100,000 -
Anthem Bank & Trust 1.01% $1,000 -
Bth Bank, National Association 1.00% $1,000 -
Golden Bank, National Association 1.00% $1,500 -
Texas Bank Financial 1.00% $100,000 -
Interstate Bank, Ssb 1.00% $500 -
Veritex Community Bank 1.00% $1,000 -
Pioneer Bank, Ssb 1.00% $1,000 -
The Mint National Bank 1.00% $10,000 -
First-lockhart National Bank 0.95% $100,000 -
Citizens State Bank 0.95% $100,000 -
Austin County State Bank 0.95% $100,000 -
Beal Bank, Ssb 0.91% $1,000 -
Farmers Bank & Trust Company 0.90% $100,000 -
Lone Star State Bank Of West Texas 0.90% $1,000 -
Westbound Bank 0.90% $1,000 -
Integrity Bank, Ssb 0.90% $1,000 -
Round Top State Bank 0.87% $1,000 -
Farmers Bank & Trust Company 0.85% $500 -
Lone Star State Bank Of West Texas 0.85% $1,000 -
The Yoakum National Bank 0.85% $100,000 -
First State Bank 0.85% $100,000 -
First-lockhart National Bank 0.85% $1,000 -
Citizens State Bank 0.85% $1,000 -
Henderson Federal Savings Bank 0.85% $90,000 -
Austin Capital Bank Ssb 0.85% $10,001 -
Austin County State Bank 0.85% $1,000 -
United Texas Bank 0.81% $1,000 -
Wellington State Bank 0.80% $100,000 -
Commercial State Bank 0.80% $100,000 -
Brush Country Bank 0.80% $100,000 -
Peoples Bank 0.80% $2,500 -
Wallis State Bank 0.80% $100,000 -
Spring Hill State Bank 0.80% $99,000 -
The Chasewood Bank 0.80% $1,000 -
Bbcn Bank 0.80% $1,000 -
Integrity Bank, Ssb 0.80% $100,000 -
Spirit Of Texas Bank, Ssb 0.76% $1,000 -
Usaa Federal Savings Bank 0.76% $95,000 -
Classic Bank, National Association 0.75% $100,000 -
Hamlin National Bank 0.75% $500 -
First Capital Bank 0.75% $1,000 -
Armed Forces Bank, National Association 0.75% $500 -
Cadence Bank, N.a. 0.75% $500 -
First State Bank 0.75% $10,000 -
Hill Bank & Trust Co. 0.75% $100,000 -
Southstar Bank, S.s.b. 0.75% $100,000 -
Commercial State Bank 0.75% $1,000 -
Brush Country Bank 0.75% $1,500 -
Sundown State Bank 0.75% $500 -
Wallis State Bank 0.75% $2,500 -
Spring Hill State Bank 0.75% $1,000 -
Henderson Federal Savings Bank 0.75% $500 -
Shelby Savings Bank, Ssb 0.75% $100,000 -
Firstcapital Bank Of Texas, National Association 0.75% $500 -
American Bank Of Commerce 0.71% $1,000 -
Usaa Federal Savings Bank 0.71% $1,000 -
Enloe State Bank 0.70% $1,000 -
Citizens Bank 0.70% $100,000 -
The Citizens National Bank Of Hillsboro 0.70% $1,000 -
First State Bank Of Burnet 0.70% $95,000 -
Southstar Bank, S.s.b. 0.70% $10,000 -
City Bank 0.70% $1,000 -
Trusttexas Bank, Ssb 0.70% $100,000 -
Synergy Bank, S.s.b. 0.70% $1,000 -
Providence Bank Of Texas, Ssb 0.70% $100,000 -
Accessbank Texas 0.70% $1,000 -
R Bank 0.70% $1,000 -
Guaranty Bank & Trust, N.a. 0.65% $1,000 -
Security State Bank 0.65% $90,000 -
The First National Bank Of Bastrop 0.65% $500 -
Cendera Bank, National Association 0.65% $100,000 -
Ciera Bank 0.65% $1,000 -
The First National Bank Of Mcgregor 0.65% $500 -
Normangee State Bank 0.65% $1,000 -
The State National Bank In West 0.65% $1,000 -
The First National Bank Of Winnsboro 0.65% $100,000 -
Peoples State Bank Of Hallettsville 0.65% $50,000 -
State Bank Of De Kalb 0.65% $500 -
Pilgrim Bank 0.65% $1,000 -
Capital Bank 0.65% $90,000 -
Valuebank Texas 0.65% $1,000 -
Hanmi Bank 0.65% $100,000 -
First State Bank 0.65% $1,000 -
State Bank Of Texas 0.65% $100,000 -
First Federal Community Bank, Ssb 0.65% $1,000 -
Cypress Bank, Ssb 0.65% $1,000 -
Preferred Bank 0.65% $1,000 -
Southwestern National Bank 0.65% $100,000 -
American First National Bank 0.65% $100,000 -
Texas Heritage National Bank 0.61% $1,000 -
Allegiance Bank Texas 0.60% $1,000 -
Wellington State Bank 0.60% $1,000 -
Classic Bank, National Association 0.60% $2,500 -
Aimbank 0.60% $1,000 -
First National Bank Of Central Texas 0.60% $1,000 -
The First National Bank Of Winnsboro 0.60% $1,000 -
Security State Bank 0.60% $100,000 -
Citizens State Bank 0.60% $1,000 -
Prosper Bank 0.60% $500 -
First State Bank 0.60% $500 -
Elsa State Bank And Trust Company 0.60% $1,000 -
First State Bank 0.60% $100,000 -
Castroville State Bank 0.60% $100,000 -
Bridge City State Bank 0.60% $1,000 -
Cathay Bank 0.60% $100,000 -
Charter Bank 0.60% $1,000 -
Capital Bank 0.60% $500 -
Texas Bank 0.60% $500 -
American National Bank & Trust 0.60% $1,000 -
Hanmi Bank 0.60% $1,000 -
Texas National Bank Of Jacksonville 0.60% $500 -
First National Bank 0.60% $100,000 -
Heritage Bank 0.60% $1,000 -
Mineola Community Bank, S.s.b. 0.60% $1,000 -
Southwestern National Bank 0.60% $1,000 -
American First National Bank 0.60% $10,000 -
First National Bank Of Hereford 0.60% $1,000 -
Green Bank, National Association 0.60% $1,000 -
Firstcapital Bank Of Texas, National Association 0.60% $500 -
United Bank Of El Paso Del Norte 0.60% $100,000 -
Lone Star Bank 0.60% $1,000 -
Frontier Bank Of Texas 0.60% $100,000 -
Providence Bank Of Texas, Ssb 0.60% $1,000 -
The Yoakum National Bank 0.58% $500 -
Farmers State Bank 0.57% $50,000 -
The First National Bank Of Beeville 0.55% $100,000 -
Cendera Bank, National Association 0.55% $500 -
Classic Bank, National Association 0.55% $2,500 -
Citizens Bank 0.55% $4,000 -
The Comanche National Bank 0.55% $100,000 -
Newfirst National Bank 0.55% $10,000 -
The First National Bank Of Hebbronville 0.55% $100,000 -
The First National Bank Of Moody 0.55% $100,000 -
The First National Bank Of Mount Vernon 0.55% $1,000 -
Vantage Bank Texas 0.55% $100,000 -
The City National Bank Of Sulphur Springs 0.55% $1,000 -
Citizens State Bank Of Luling 0.55% $100,000 -
Peoples State Bank Of Hallettsville 0.55% $10,000 -
The Donley County State Bank 0.55% $100,000 -
The Buckholts State Bank 0.55% $100,000 -
First United Bank 0.55% $100,000 -
Amarillo National Bank 0.55% $1,000 -
Marion State Bank 0.55% $10,000 -
Prosperity Bank 0.55% $100,000 -
First State Bank Of Bedias 0.55% $100,000 -
Community Bank & Trust, Waco, Texas 0.55% $500 -
Southside Bank 0.55% $25,000 -
The American National Bank Of Mount Pleasant 0.55% $1,000 -
Gladewater National Bank 0.55% $1,000 -
Heritage Bank 0.55% $1,000 -
Amistad Bank 0.55% $50,000 -
Texstar National Bank 0.55% $1,000 -
Platinum Bank 0.55% $1,000 -
Bank Of Commerce 0.53% $1,000 -
The First National Bank Of Beeville 0.52% $10,000 -
Rio Bank 0.52% $2,500 -
The First National Bank Of Albany 0.50% $1,000 -
Lone Star State Bank Of West Texas 0.50% $100,000 -
Citizens National Bank 0.50% $500 -
The First Bank Of Celeste 0.50% $100,000 -
The Comanche National Bank 0.50% $1,000 -
Texas Gulf Bank, National Association 0.50% $2,500 -
The Moody National Bank 0.50% $100,000 -
National Bank 0.50% $100,000 -
The State National Bank Of Groom 0.50% $5,000 -
First National Bank Of Huntsville 0.50% $100,000 -
The First National Bank Of Lipan 0.50% $1,000 -
Texas National Bank 0.50% $100,000 -
The First National Bank Of Moody 0.50% $1,000 -
The Morris County National Bank Of Naples 0.50% $1,000 -
The First National Bank Of Paducah 0.50% $100,000 -
The Liberty National Bank In Paris 0.50% $1,000 -
Vantage Bank Texas 0.50% $500 -
The First National Bank Of Tahoka 0.50% $1,000 -
First National Bank And Trust Company Of Weatherford 0.50% $1,000 -
The First National Bank Of Woodsboro 0.50% $1,000 -
First State Bank Of Uvalde 0.50% $100,000 -
Citizens State Bank Of Luling 0.50% $1,000 -
Schertz Bank & Trust 0.50% $100,000 -
Texas Champion Bank 0.50% $1,000 -
Alliance Bank 0.50% $1,000 -
Security State Bank 0.50% $500 -
Pointwest Bank 0.50% $1,000 -
Burton State Bank 0.50% $1 -
First Bank & Trust 0.50% $1,000 -
First National Bank 0.50% $100,000 -
Texas First State Bank 0.50% $1,000 -
The Hondo National Bank 0.50% $1,000 -
Coleman County State Bank 0.50% $100,000 -
Citizens State Bank 0.50% $100,000 -
First State Bank 0.50% $1,000 -
Prosperity Bank 0.50% $10,000 -
First State Bank Of San Diego 0.50% $100,000 -
Plainscapital Bank 0.50% $1,000 -
Central Bank 0.50% $1,000 -
Texas Bank And Trust Company 0.50% $1,000 -
First State Bank 0.50% $1,000 -
Southside Bank 0.50% $1,000 -
Cathay Bank 0.50% $2,500 -
Commercial National Bank Of Texarkana 0.50% $1,000 -
Carmine State Bank 0.50% $500 -
International Bank Of Commerce 0.50% $100,000 -
Lubbock National Bank 0.50% $1,000 -
First Community Bank, National Association 0.50% $1,000 -
Community National Bank 0.50% $1,000 -
Commerce Bank 0.50% $100,000 -
American Bank, National Association 0.50% $1,000 -
First Community Bank 0.50% $1,000 -
Woodhaven National Bank 0.50% $100,000 -
International Bank Of Commerce 0.50% $100,000 -
International Bank Of Commerce 0.50% $100,000 -
First National Bank 0.50% $10,000 -
Riverbend Bank 0.50% $100,000 -
Trusttexas Bank, Ssb 0.50% $1,000 -
First Federal Bank Littlefield, Texas 0.50% $95,000 -
Greater State Bank 0.50% $100,000 -
Lone Star Capital Bank, National Association 0.50% $100,000 -
Firstcapital Bank Of Texas, National Association 0.50% $500 -
United Bank Of El Paso Del Norte 0.50% $500 -
Post Oak Bank, N.a. 0.50% $1,000 -
The Bank Of River Oaks 0.50% $100,000 -
American Momentum Bank 0.50% $500 -
Texas Citizens Bank, National Association 0.50% $100 -
Frontier Bank Of Texas 0.50% $1,000 -
Texas Security Bank 0.50% $1,000 -
Farmers State Bank 0.47% $1,000 -
Mills County State Bank 0.47% $100,000 -
The First National Bank Of Gilmer 0.46% $95,000 -
Texas Regional Bank 0.46% $100,000 -
Capital Bank, Ssb 0.46% $100,000 -
The Bank And Trust, S.s.b. 0.45% $100,000 -
Vista Bank 0.45% $100,000 -
Western Bank 0.45% $500 -
Legend Bank, N.a. 0.45% $1,000 -
Classic Bank, National Association 0.45% $2,500 -
Firstbank Southwest 0.45% $100,000 -
Vantage Bank Texas 0.45% $500 -
First United Bank And Trust Company 0.45% $500 -
The Santa Anna National Bank 0.45% $1,000 -
First Bank & Trust 0.45% $1,000 -
The First National Bank Of Tom Bean 0.45% $500 -
Herring Bank 0.45% $1,000 -
Fannin Bank 0.45% $1,000 -
Sabine State Bank And Trust Company 0.45% $5,000 -
Happy State Bank 0.45% $100,000 -
First State Bank And Trust Company 0.45% $100,000 -
Northstar Bank Of Texas 0.45% $1,000 -
Hill Bank & Trust Co. 0.45% $1,000 -
The Buckholts State Bank 0.45% $1,000 -
First United Bank 0.45% $1,000 -
First National Bank In Dalhart 0.45% $1,000 -
Zavala County Bank 0.45% $95,000 -
First National Bank 0.45% $10,000 -
Commerce Bank Texas 0.45% $1,000 -
Citizens State Bank 0.45% $500 -
Citizens State Bank 0.45% $1,000 -
First State Bank Of Bedias 0.45% $1 -
Fort Davis State Bank 0.45% $100,000 -
The National Bank Of Andrews 0.45% $95,000 -
Castroville State Bank 0.45% $1,000 -
First National Bank Of Jasper 0.45% $1,000 -
Tejas Bank 0.45% $100,000 -
Kress National Bank 0.45% $50,000 -
Central National Bank 0.45% $1,000 -
West Texas National Bank 0.45% $100,000 -
Liberty Bank 0.45% $1,000 -
Amistad Bank 0.45% $1,000 -
Washington Federal, National Association 0.45% $90,000 -
East West Bank 0.45% $99,000 -
Capital Bank Of Texas 0.45% $95,000 -
Capital Bank, Ssb 0.43% $1,000 -
Mills County State Bank 0.42% $1,000 -
Weststar Bank 0.42% $100,000 -
The First National Bank Of Gilmer 0.41% $1,000 -
Texas Regional Bank 0.41% $1,000 -
Security State Bank 0.40% $10,000 -
The State National Bank Of Big Spring 0.40% $1,000 -
The First Bank Of Celeste 0.40% $1,000 -
The First National Bank In Cooper 0.40% $1,000 -
The Dublin National Bank 0.40% $1,000 -
The Moody National Bank 0.40% $500 -
National Bank 0.40% $1,000 -
The First National Bank Of Hebbronville 0.40% $1,000 -
Citizens National Bank 0.40% $500 -
First National Bank Of Huntsville 0.40% $1,000 -
The Jacksboro National Bank 0.40% $100,000 -
Austin Bank, Texas National Association 0.40% $1,000 -
Texas National Bank 0.40% $1,000 -
The First National Bank Of Paducah 0.40% $500 -
The First National Bank Of Quitaque 0.40% $1,000 -
Snb Bank, National Association 0.40% $500 -
The First National Bank Of Sonora 0.40% $1,000 -
The First National Bank Of Sterling City 0.40% $100,000 -
The First National Bank Of Tom Bean 0.40% $500 -
Texas Star Bank 0.40% $100,000 -
The Waggoner National Bank Of Vernon 0.40% $1,000 -
First State Bank Of Uvalde 0.40% $1,000 -
Schertz Bank & Trust 0.40% $1,000 -
Alliance Bank 0.40% $1,000 -
First Security State Bank 0.40% $1,000 -
Community Trust Bank 0.40% $500 -
The Pecos County State Bank 0.40% $100,000 -
Citizens National Bank At Brownwood 0.40% $1,000 -
Zavala County Bank 0.40% $1,000 -
Coleman County State Bank 0.40% $1,000 -
Security State Bank & Trust 0.40% $100,000 -
First State Bank Of Odem 0.40% $100,000 -
First State Bank Of San Diego 0.40% $10,000 -
Fort Davis State Bank 0.40% $1,000 -
Pearland State Bank 0.40% $100,000 -
Tejas Bank 0.40% $1,000 -
Kress National Bank 0.40% $1,000 -
Benchmark Bank 0.40% $10,001 -
Texas Bank 0.40% $1,000 -
American Bank Of Texas 0.40% $25,000 -
West Texas National Bank 0.40% $1,000 -
Woodhaven National Bank 0.40% $1,000 -
Panola National Bank 0.40% $100,000 -
Sage Capital Bank, National Association 0.40% $90,000 -
First National Bank Of Dublin 0.40% $1,000 -
Riverbend Bank 0.40% $1,000 -
Interbank 0.40% $1 -
Washington Federal, National Association 0.40% $1,000 -
First Federal Bank Littlefield, Texas 0.40% $1,000 -
Colonial Savings, F.a. 0.40% $1,000 -
Greater State Bank 0.40% $1,000 -
Lone Star Capital Bank, National Association 0.40% $500 -
Valliance Bank 0.40% $1,000 -
The Bank Of River Oaks 0.40% $2,000 -
Citizens 1st Bank 0.39% $100,000 -
Citizens 1st Bank 0.36% $1,000 -
The Bank And Trust, S.s.b. 0.35% $500 -
Vista Bank 0.35% $1,000 -
The First National Bank Of Anderson 0.35% $1,000 -
Independent Bank 0.35% $1,000 -
First Bank Texas, Ssb 0.35% $1,000 -
The Falls City National Bank 0.35% $100,000 -
The First National Bank Of Granbury 0.35% $1,000 -
The First National Bank Of Sterling City 0.35% $1,000 -
The First National Bank Of Trenton 0.35% $1,000 -
Citizens National Bank Of Texas 0.35% $1,000 -
Crowell State Bank 0.35% $500 -
Happy State Bank 0.35% $1,000 -
First State Bank Of Burnet 0.35% $10,000 -
First State Bank And Trust Company 0.35% $1,000 -
Union State Bank 0.35% $1,000 -
Stockmans Bank 0.35% $1,000 -
Texas State Bank 0.35% $1,000 -
The Pecos County State Bank 0.35% $1,000 -
Centennial Bank 0.35% $50,000 -
The Lytle State Bank Of Lytle, Texas 0.35% $100,000 -
First State Bank 0.35% $1,000 -
Muenster State Bank 0.35% $1,000 -
First State Bank Of Odem 0.35% $1,000 -
Citizens Bank 0.35% $1,000 -
First National Bank Of Fort Stockton 0.35% $100,000 -
First State Bank 0.35% $100,000 -
First National Bank Of Lake Jackson 0.35% $100,000 -
American Bank Of Texas 0.35% $10,000 -
First Commercial Bank, National Association 0.35% $2,500 -
Community National Bank 0.35% $100,000 -
Midsouth Bank, National Association 0.35% $1,000 -
Great Southern Bank 0.35% $250 -
Anthem Bank & Trust 0.35% $1,000 -
Shelby Savings Bank, Ssb 0.35% $1,000 -
First Savings Bank 0.35% $10,000 -
Worthington National Bank 0.35% $1,000 -
Capital Bank Of Texas 0.35% $1,000 -
Fidelity Bank 0.35% $1,000 -
Weststar Bank 0.31% $2,500 -
The Roscoe State Bank 0.30% $1,000 -
Wellington State Bank 0.30% $1,000 -
Commercial State Bank 0.30% $100,000 -
Lone Star State Bank Of West Texas 0.30% $1,000 -
The First National Bank Of Evant 0.30% $1,000 -
The Falls City National Bank 0.30% $1,500 -
The Jacksboro National Bank 0.30% $2,500 -
Texana Bank, National Association 0.30% $1,000 -
Incommons Bank, N.a. 0.30% $1,000 -
Communitybank Of Texas, N.a. 0.30% $1,000 -
The Ozona National Bank 0.30% $2,500 -
Texas Republic Bank, National Association 0.30% $1,000 -
Texas Star Bank 0.30% $1,000 -
Grapeland State Bank 0.30% $1,000 -
Security Bank 0.30% $50,000 -
West Texas State Bank 0.30% $2,500 -
The Lytle State Bank Of Lytle, Texas 0.30% $500 -
The Fort Sill National Bank 0.30% $500 -
The National Bank Of Andrews 0.30% $1,000 -
First National Bank Of Fort Stockton 0.30% $1,000 -
First State Bank 0.30% $5,000 -
Huntington State Bank 0.30% $100,000 -
First National Bank Of Lake Jackson 0.30% $1,000 -
Hometown Bank, National Association 0.30% $1,000 -
The National Bank Of Texas At Fort Worth 0.30% $100,000 -
Grand Bank Of Texas 0.30% $1,000 -
Lone Star National Bank 0.30% $100,000 -
Texas Community Bank 0.30% $100,000 -
Panola National Bank 0.30% $1,000 -
Community National Bank 0.30% $1,000 -
Sage Capital Bank, National Association 0.30% $500 -
Texas Bank Financial 0.30% $10,000 -
Pioneer Bank 0.30% $1,000 -
East West Bank 0.30% $10,000 -
The Bank & Trust Of Bryan/college Station 0.30% $2,500 -
Nbh Bank, National Association 0.30% $500 -
Lakeside National Bank 0.26% $2,500 -
The First National Bank Of Hughes Springs 0.25% $1,000 -
Arrowhead Bank 0.25% $100,000 -
Commercial State Bank 0.25% $1,000 -
The First National Bank Of Ballinger 0.25% $10,000 -
The Commercial National Bank Of Brady 0.25% $1,000 -
The First National Bank Of Emory 0.25% $1,000 -
Grandview Bank 0.25% $1,000 -
First National Bank Texas 0.25% $50,000 -
First Texas Bank 0.25% $500 -
Menard Bank 0.25% $100,000 -
Firstbank Southwest 0.25% $2,500 -
Landmark Bank, National Association 0.25% $5,000 -
First State Bank Central Texas 0.25% $100,000 -
Bancorpsouth Bank 0.25% $1,000 -
The Donley County State Bank 0.25% $1,000 -
First Texas Bank 0.25% $100,000 -
First Texoma National Bank 0.25% $1,000 -
Farmers State Bank 0.25% $1,000 -
Security State Bank & Trust 0.25% $500 -
Southwest Bank 0.25% $10,000 -
First Bank & Trust East Texas 0.25% $1,000 -
First Bank Of Muleshoe 0.25% $10,000 -
The First State Bank 0.25% $1,000 -
First National Bank In Port Lavaca 0.25% $1,000 -
Community National Bank & Trust Of Texas 0.25% $1,000 -
Huntington State Bank 0.25% $500 -
North Dallas Bank & Trust Co. 0.25% $1,000 -
Southwest Bank 0.25% $1,000 -
Inwood National Bank 0.25% $2,500 -
International Bank Of Commerce 0.25% $10,000 -
Pinnacle Bank 0.25% $1,000 -
First National Bank Of Burleson 0.25% $1,000 -
The American National Bank Of Texas 0.25% $100,000 -
Commerce Bank 0.25% $10,000 -
Texas Community Bank 0.25% $1,000 -
International Bank Of Commerce 0.25% $10,000 -
International Bank Of Commerce 0.25% $10,000 -
Bank Of The West 0.25% $1,000 -
Falcon International Bank 0.25% $1,000 -
State Bank Of Texas 0.25% $2,500 -
Interbank 0.25% $1,000 -
Texas Capital Bank, National Association 0.25% $1,000 -
Legacytexas Bank 0.25% $100 -
Pegasus Bank 0.25% $1,000 -
Arrowhead Bank 0.20% $500 -
Commercial Bank Of Texas, National Association 0.20% $1,000 -
First Bank 0.20% $1,000 -
Farmers And Merchants Bank 0.20% $2,500 -
The First National Bank Of Eagle Lake 0.20% $2,500 -
First National Bank Texas 0.20% $500 -
The First National Bank Of Mertzon 0.20% $1 -
Bokf, National Association 0.20% $100,000 -
The City National Bank Of San Saba 0.20% $1,000 -
First State Bank Central Texas 0.20% $1,000 -
Transpecos Banks 0.20% $1,000 -
Justin State Bank 0.20% $500 -
Citizens Bank, National Association 0.20% $100,000 -
Jefferson Bank 0.20% $1,000 -
Pearland State Bank 0.20% $10,000 -
Texas State Bank 0.20% $1,000 -
The National Bank Of Texas At Fort Worth 0.20% $1,000 -
Texas First Bank 0.20% $1,000 -
Llano National Bank 0.20% $500 -
Lone Star National Bank 0.20% $1,000 -
First National Bank 0.20% $500 -
Sovereign Bank 0.20% $1,000 -
Bank Of The Ozarks 0.18% $1,000 -
Southwest Bank 0.18% $10,000 -
The American National Bank Of Texas 0.17% $1,000 -
The Brenham National Bank 0.15% $1,000 -
Menard Bank 0.15% $1,000 -
Bank Snb 0.15% $1,000 -
Bokf, National Association 0.15% $1,000 -
Capital One, National Association 0.15% $1,000 -
Trustmark National Bank 0.15% $1,000 -
Umb Bank, National Association 0.15% $500 -
First State Bank 0.15% $500 -
First Texas Bank 0.15% $1,000 -
Bloomburg State Bank 0.15% $1,000 -
Haskell National Bank 0.15% $500 -
Centennial Bank 0.15% $1,000 -
Woodforest National Bank 0.15% $500 -
Atascosa National Bank 0.15% $10,000 -
Inter National Bank 0.15% $1,000 -
Texas Financial Bank 0.15% $100,000 -
The Brady National Bank 0.13% $10,000 -
Comerica Bank 0.10% $10,000 -
Zions First National Bank 0.10% $1,000 -
First Financial Bank, National Association 0.10% $500 -
Big Bend Banks, N.a. 0.10% $100,000 -
The First National Bank Of Stanton 0.10% $500 -
The City National Bank Of Taylor 0.10% $10,000 -
Extraco Banks, National Association 0.10% $1,000 -
Branch Banking And Trust Company 0.10% $10,000 -
First-citizens Bank & Trust Company 0.10% $10,000 -
Citizens Bank, National Association 0.10% $1,000 -
Security Bank 0.10% $3,000 -
Compass Bank 0.10% $1 -
American Bank, National Association 0.10% $1,000 -
Texas Financial Bank 0.10% $1,000 -
Bank Of America, National Association 0.07% $10,000 -
Big Bend Banks, N.a. 0.05% $2,500 -
Bank Of America, National Association 0.05% $10,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
Frost Bank 0.05% $1,000 -
Regions Bank 0.05% $500 -
Broadway National Bank 0.05% $1,000 -
Jpmorgan Chase Bank, National Association 0.01% $10,000 -

See rates for Online Banks →

See rates for Credit Unions →

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BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2016

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

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.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch 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 branch-based CDs are:

  • The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
  • One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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, you 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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SAVINGS & CD BOOSTER CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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  • Max

    June 07, 2016

    The Chase rates are not correct, in fact Chase never heard of these rates, if they are correct please inform Abilene and Dallas, I could use the rate as small as it may be, but better than most, if they exist. Thanks

  • joan

    June 06, 2016

    florida community bank 1.40% -9 months good all of june 2016

  • Tammie H.

    April 19, 2016

    Hello,

    I was just wondering if the rates posted on this site were current?

    I noticed at the top it does have todays date.

    Thank you.

  • boo

    April 13, 2016

    rates suck

  • Dan

    March 14, 2016

    The local offerings are there. Just put in your zip code. Click the link that says: Change zip.

  • F Jamees

    March 14, 2016

    Where are the local offerings of 71913. They use to be for local banks, we miss them. F James

  • Larry Triemer (ltriemer@yahoo.com)

    March 02, 2016

    I stopped receiving my weekly bank rates and wanted you to resume sending them. I registered today, again, using my work e-mail and would like for you to send them to the abovementioned e=mail address.

    Thank you,

    Larry Triemer+

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

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