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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 - December 8, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
The First State Bank 1.31% $100,000 -
Tbk Bank, Ssb 1.30% $1,000 -
Capital Bank 1.26% $5,000 -
Plains State Bank 1.26% $1,000 -
Bank Of South Texas 1.25% $1,000 -
Nexbank, Ssb 1.25% $10,000 -
Bank Of Brenham, National Association 1.24% $100,000 -
Citizens State Bank 1.24% $100,000 -
Industry State Bank 1.21% $100,000 -
Fayetteville Bank 1.21% $100,000 -
The First National Bank Of Shiner 1.21% $100,000 -
The First National Bank Of Bellville 1.21% $100,000 -
Citizens State Bank 1.21% $100,000 -
Texas Hill Country Bank 1.15% $1,000 -
Interstate Bank, Ssb 1.15% $100,000 -
Citizens State Bank 1.14% $1,000 -
Bank Of Brenham, National Association 1.14% $500 -
The First National Bank Of Shiner 1.11% $1,000 -
Fayetteville Bank 1.11% $500 -
The First National Bank Of Bellville 1.11% $1,000 -
Industry State Bank 1.11% $1,000 -
Citizens State Bank 1.11% $1,000 -
Crockett National Bank 1.10% $100,000 -
Anthem Bank & Trust 1.01% $1,000 -
Round Top State Bank 1.01% $100,000 -
The First State Bank 1.01% $100,000 -
The Mint National Bank 1.00% $10,000 -
The First National Bank Of Sonora 1.00% $1,000 -
State Bank Of Texas 1.00% $100,000 -
Interstate Bank, Ssb 1.00% $500 -
Veritex Community Bank 1.00% $1,000 -
Texas Bank Financial 1.00% $100,000 -
Bth Bank, National Association 1.00% $1,000 -
Pioneer Bank, Ssb 1.00% $1,000 -
Golden Bank, National Association 1.00% $1,500 -
Citizens State Bank 0.95% $100,000 -
Henderson Federal Savings Bank 0.95% $90,000 -
Austin County State Bank 0.95% $100,000 -
Beal Bank, Ssb 0.91% $1,000 -
Westbound Bank 0.90% $1,000 -
Integrity Bank, Ssb 0.90% $1,000 -
Lone Star State Bank Of West Texas 0.90% $1,000 -
Farmers Bank & Trust Company 0.90% $100,000 -
Round Top State Bank 0.87% $1,000 -
Lone Star State Bank Of West Texas 0.85% $1,000 -
Citizens State Bank 0.85% $1,000 -
Austin County State Bank 0.85% $1,000 -
Henderson Federal Savings Bank 0.85% $500 -
First State Bank 0.85% $100,000 -
The Yoakum National Bank 0.85% $100,000 -
Austin Capital Bank Ssb 0.85% $10,001 -
Jpmorgan Chase Bank, National Association 0.85% $75,000 -
Farmers Bank & Trust Company 0.85% $500 -
Metro City Bank 0.84% $1,000 -
First-lockhart National Bank 0.80% $100,000 -
Brush Country Bank 0.80% $100,000 -
Peoples Bank 0.80% $2,500 -
The Chasewood Bank 0.80% $1,000 -
Commercial State Bank 0.80% $100,000 -
Wallis State Bank 0.80% $100,000 -
Spring Hill State Bank 0.80% $99,000 -
Spirit Of Texas Bank, Ssb 0.76% $1,000 -
Usaa Federal Savings Bank 0.76% $95,000 -
Brush Country Bank 0.75% $1,500 -
Titan Bank, N.a. 0.75% $1,000 -
Hamlin National Bank 0.75% $500 -
First State Bank 0.75% $10,000 -
Commercial State Bank 0.75% $1,000 -
Southstar Bank, S.s.b. 0.75% $100,000 -
Firstcapital Bank Of Texas, National Association 0.75% $500 -
Wallis State Bank 0.75% $2,500 -
First Capital Bank 0.75% $1,000 -
Sundown State Bank 0.75% $500 -
Hill Bank & Trust Co. 0.75% $100,000 -
Classic Bank, National Association 0.75% $100,000 -
Shelby Savings Bank, Ssb 0.75% $100,000 -
Armed Forces Bank, National Association 0.75% $500 -
Cadence Bank, N.a. 0.75% $500 -
Spring Hill State Bank 0.75% $1,000 -
American Bank Of Commerce 0.71% $1,000 -
Usaa Federal Savings Bank 0.71% $1,000 -
Enloe State Bank 0.70% $1,000 -
First State Bank Of Burnet 0.70% $95,000 -
R Bank 0.70% $1,000 -
Trusttexas Bank, Ssb 0.70% $100,000 -
Synergy Bank, S.s.b. 0.70% $1,000 -
Citizens Bank 0.70% $100,000 -
The Citizens National Bank Of Hillsboro 0.70% $1,000 -
Jpmorgan Chase Bank, National Association 0.70% $1,000 -
Southstar Bank, S.s.b. 0.70% $10,000 -
First-lockhart National Bank 0.70% $1,000 -
City Bank 0.70% $1,000 -
Security Bank Of Crawford 0.70% $1,000 -
Accessbank Texas 0.70% $1,000 -
Providence Bank Of Texas, Ssb 0.70% $100,000 -
Citizens State Bank 0.65% $1,000 -
Preferred Bank 0.65% $1,000 -
The First National Bank Of Winnsboro 0.65% $100,000 -
The First National Bank Of Mcgregor 0.65% $500 -
The State National Bank In West 0.65% $1,000 -
Ciera Bank 0.65% $1,000 -
Capital Bank 0.65% $90,000 -
Normangee State Bank 0.65% $1,000 -
State Bank Of De Kalb 0.65% $500 -
Southwestern National Bank 0.65% $100,000 -
American First National Bank 0.65% $100,000 -
Fayette Savings Bank, Ssb 0.65% $2,500 -
Peoples State Bank Of Hallettsville 0.65% $50,000 -
Valuebank Texas 0.65% $1,000 -
Cendera Bank, National Association 0.65% $100,000 -
Charter Bank 0.65% $1,000 -
Pilgrim Bank 0.65% $1,000 -
Guaranty Bank & Trust, N.a. 0.65% $1,000 -
The First National Bank Of Bastrop 0.65% $500 -
Security State Bank 0.65% $90,000 -
First National Bank Of Omaha 0.65% $500 -
First Federal Community Bank, Ssb 0.65% $1,000 -
Cypress Bank, Ssb 0.65% $1,000 -
Hanmi Bank 0.65% $100,000 -
First State Bank 0.65% $1,000 -
Marion State Bank 0.65% $100,000 -
Texas Heritage National Bank 0.61% $1,000 -
Allegiance Bank 0.60% $1,000 -
Security State Bank 0.60% $100,000 -
The First National Bank Of Winnsboro 0.60% $1,000 -
First State Bank 0.60% $100,000 -
Firstcapital Bank Of Texas, National Association 0.60% $500 -
Lone Star Bank 0.60% $1,000 -
Green Bank, National Association 0.60% $1,000 -
Cathay Bank 0.60% $100,000 -
Wellington State Bank 0.60% $1,000 -
Citizens State Bank 0.60% $1,000 -
First State Bank 0.60% $500 -
Elsa State Bank And Trust Company 0.60% $1,000 -
Capital Bank 0.60% $500 -
Aimbank 0.60% $1,000 -
Castroville State Bank 0.60% $100,000 -
Hanmi Bank 0.60% $1,000 -
Texas National Bank Of Jacksonville 0.60% $500 -
First National Bank Of Central Texas 0.60% $1,000 -
American National Bank & Trust 0.60% $1,000 -
United Bank Of El Paso Del Norte 0.60% $100,000 -
Mineola Community Bank, S.s.b. 0.60% $1,000 -
Southwestern National Bank 0.60% $1,000 -
First National Bank 0.60% $100,000 -
American First National Bank 0.60% $1,500 -
Texas Gulf Bank, National Association 0.60% $2,500 -
Prosper Bank 0.60% $500 -
The First State Bank 0.60% $500 -
Heritage Bank 0.60% $1,000 -
Frontier Bank Of Texas 0.60% $100,000 -
Texas Bank 0.60% $500 -
Classic Bank, National Association 0.60% $2,500 -
First National Bank Of Hereford 0.60% $1,000 -
Providence Bank Of Texas, Ssb 0.60% $1,000 -
The Yoakum National Bank 0.58% $500 -
Farmers State Bank 0.57% $50,000 -
Vantage Bank Texas 0.55% $100,000 -
First United Bank 0.55% $100,000 -
Platinum Bank 0.55% $1,000 -
Texstar National Bank 0.55% $1,000 -
The First National Bank Of Mount Vernon 0.55% $1,000 -
The City National Bank Of Sulphur Springs 0.55% $1,000 -
The First National Bank Of Moody 0.55% $100,000 -
Citizens State Bank Of Luling 0.55% $100,000 -
The First National Bank Of Hebbronville 0.55% $100,000 -
Marion State Bank 0.55% $10,000 -
First State Bank Of Bedias 0.55% $100,000 -
Newfirst National Bank 0.55% $10,000 -
Amistad Bank 0.55% $50,000 -
The Donley County State Bank 0.55% $100,000 -
Classic Bank, National Association 0.55% $2,500 -
Cendera Bank, National Association 0.55% $500 -
Citizens Bank 0.55% $4,000 -
The American National Bank Of Mount Pleasant 0.55% $1,000 -
Community Bank & Trust, Waco, Texas 0.55% $500 -
Heritage Bank 0.55% $1,000 -
Prosperity Bank 0.55% $100,000 -
Peoples State Bank Of Hallettsville 0.55% $10,000 -
Gladewater National Bank 0.55% $1,000 -
Firstbank Southwest 0.55% $100,000 -
The Comanche National Bank 0.55% $100,000 -
Southside Bank 0.55% $25,000 -
Amarillo National Bank 0.55% $1,000 -
The First National Bank Of Beeville 0.55% $100,000 -
The Buckholts State Bank 0.55% $100,000 -
Bank Of Commerce 0.53% $1,000 -
Rio Bank 0.52% $2,500 -
The First National Bank Of Beeville 0.52% $10,000 -
The Hondo National Bank 0.50% $1,000 -
Security State Bank 0.50% $500 -
Texas Champion Bank 0.50% $1,000 -
International Bank Of Commerce 0.50% $100,000 -
Texas First State Bank 0.50% $1,000 -
First Community Bank, National Association 0.50% $1,000 -
Texas Bank And Trust Company 0.50% $1,000 -
Lubbock National Bank 0.50% $1,000 -
Texas Citizens Bank, National Association 0.50% $100 -
Lone Star Capital Bank, National Association 0.50% $100,000 -
Firstcapital Bank Of Texas, National Association 0.50% $500 -
Lone Star State Bank Of West Texas 0.50% $100,000 -
Plainscapital Bank 0.50% $1,000 -
Pointwest Bank 0.50% $1,000 -
National Bank 0.50% $100,000 -
The First National Bank Of Lipan 0.50% $1,000 -
Texas Security Bank 0.50% $1,000 -
First Federal Bank Littlefield, Texas 0.50% $95,000 -
Frontier Bank Of Texas 0.50% $1,000 -
First State Bank 0.50% $1,000 -
The First National Bank Of Woodsboro 0.50% $1,000 -
Central Bank 0.50% $1,000 -
Post Oak Bank, N.a. 0.50% $1,000 -
Trusttexas Bank, Ssb 0.50% $1,000 -
Citizens State Bank Of Luling 0.50% $1,000 -
Vantage Bank Texas 0.50% $500 -
First National Bank 0.50% $100,000 -
Coleman County State Bank 0.50% $100,000 -
United Bank Of El Paso Del Norte 0.50% $500 -
The Morris County National Bank Of Naples 0.50% $1,000 -
Alliance Bank 0.50% $1,000 -
Cathay Bank 0.50% $2,500 -
Woodhaven Bank 0.50% $100,000 -
The First Bank Of Celeste 0.50% $100,000 -
Prosperity Bank 0.50% $10,000 -
The State National Bank Of Groom 0.50% $5,000 -
First National Bank 0.50% $10,000 -
First Community Bank 0.50% $1,000 -
International Bank Of Commerce 0.50% $100,000 -
First State Bank Of San Diego 0.50% $100,000 -
First State Bank Of Uvalde 0.50% $100,000 -
The Bank Of River Oaks 0.50% $100,000 -
The First National Bank Of Tahoka 0.50% $1,000 -
The Moody National Bank 0.50% $100,000 -
Texas National Bank 0.50% $100,000 -
Commerce Bank 0.50% $100,000 -
First Bank & Trust 0.50% $1,000 -
Schertz Bank & Trust 0.50% $100,000 -
Citizens State Bank 0.50% $100,000 -
First National Bank And Trust Company Of Weatherford 0.50% $1,000 -
Burton State Bank 0.50% $1 -
Community Bank Of Snyder 0.50% $500 -
The Liberty National Bank In Paris 0.50% $1,000 -
Carmine State Bank 0.50% $500 -
The Comanche National Bank 0.50% $1,000 -
Community National Bank 0.50% $1,000 -
Riverbend Bank 0.50% $100,000 -
The First National Bank Of Moody 0.50% $1,000 -
International Bank Of Commerce 0.50% $100,000 -
American Bank, National Association 0.50% $1,000 -
First State Bank 0.50% $1,000 -
Commercial National Bank Of Texarkana 0.50% $1,000 -
American Momentum Bank 0.50% $500 -
Southside Bank 0.50% $1,000 -
The First National Bank Of Albany 0.50% $1,000 -
Citizens National Bank 0.50% $500 -
West Texas State Bank 0.50% $1,000 -
Greater State Bank 0.50% $100,000 -
Mills County State Bank 0.47% $100,000 -
Farmers State Bank 0.47% $1,000 -
The First National Bank Of Gilmer 0.46% $95,000 -
Capital Bank, Ssb 0.46% $100,000 -
Texas Regional Bank 0.46% $100,000 -
Legend Bank, N.a. 0.45% $1,000 -
Vista Bank 0.45% $100,000 -
Commerce Bank Texas 0.45% $1,000 -
First State Bank Of Bedias 0.45% $1 -
Texas First Bank 0.45% $1,000 -
Happy State Bank 0.45% $100,000 -
American State Bank 0.45% $1,000 -
First United Bank And Trust Company 0.45% $500 -
The First National Bank Of Tom Bean 0.45% $500 -
Vantage Bank Texas 0.45% $500 -
Castroville State Bank 0.45% $1,000 -
Citizens State Bank 0.45% $1,000 -
Amistad Bank 0.45% $1,000 -
East West Bank 0.45% $99,000 -
Northstar Bank Of Texas 0.45% $1,000 -
The Bank And Trust, S.s.b. 0.45% $100,000 -
Citizens State Bank 0.45% $500 -
The National Bank Of Andrews 0.45% $95,000 -
West Texas National Bank 0.45% $100,000 -
First Bank & Trust 0.45% $1,000 -
Western Bank 0.45% $500 -
First United Bank 0.45% $1,000 -
First National Bank Of Jasper 0.45% $1,000 -
Hill Bank & Trust Co. 0.45% $1,000 -
The Buckholts State Bank 0.45% $1,000 -
Central National Bank 0.45% $1,000 -
Classic Bank, National Association 0.45% $2,500 -
First State Bank And Trust Company 0.45% $100,000 -
Zavala County Bank 0.45% $95,000 -
Liberty Bank 0.45% $1,000 -
Kress National Bank 0.45% $50,000 -
The Santa Anna National Bank 0.45% $1,000 -
First National Bank 0.45% $10,000 -
Fort Davis State Bank 0.45% $100,000 -
Capital Bank Of Texas 0.45% $95,000 -
Sabine State Bank And Trust Company 0.45% $5,000 -
State Bank Of Texas 0.45% $100,000 -
Tejas Bank 0.45% $100,000 -
Fannin Bank 0.45% $1,000 -
Citizens State Bank 0.45% $1,000 -
Washington Federal, National Association 0.45% $90,000 -
Herring Bank 0.45% $1,000 -
Capital Bank, Ssb 0.43% $1,000 -
Weststar Bank 0.42% $100,000 -
Mills County State Bank 0.42% $1,000 -
Texas Regional Bank 0.41% $1,000 -
The First National Bank Of Gilmer 0.41% $1,000 -
Coleman County State Bank 0.40% $1,000 -
The State National Bank Of Big Spring 0.40% $1,000 -
First Security State Bank 0.40% $1,000 -
Alliance Bank 0.40% $1,000 -
The First National Bank Of Hebbronville 0.40% $1,000 -
Panola National Bank 0.40% $100,000 -
Fort Davis State Bank 0.40% $1,000 -
The Bank Of River Oaks 0.40% $2,000 -
Citizens National Bank 0.40% $500 -
The First National Bank Of Sterling City 0.40% $100,000 -
The Dublin National Bank 0.40% $1,000 -
West Texas National Bank 0.40% $1,000 -
The First National Bank In Cooper 0.40% $1,000 -
The First National Bank Of Livingston 0.40% $1,000 -
Snb Bank, National Association 0.40% $500 -
Texas Star Bank 0.40% $100,000 -
First State Bank Of Odem 0.40% $100,000 -
Pearland State Bank 0.40% $100,000 -
The Waggoner National Bank Of Vernon 0.40% $1,000 -
Sage Capital Bank, National Association 0.40% $90,000 -
Bokf, National Association 0.40% $100,000 -
First National Bank Of Huntsville 0.40% $1,000 -
National Bank 0.40% $1,000 -
Citizens National Bank At Brownwood 0.40% $1,000 -
The First National Bank Of Sonora 0.40% $1,000 -
Benchmark Bank 0.40% $10,001 -
Colonial Savings, F.a. 0.40% $1,000 -
The First National Bank Of Tom Bean 0.40% $500 -
Texas Bank 0.40% $1,000 -
First National Bank Of Dublin 0.40% $1,000 -
Interbank 0.40% $1 -
Zavala County Bank 0.40% $1,000 -
Security State Bank & Trust 0.40% $100,000 -
Kress National Bank 0.40% $1,000 -
The Jacksboro National Bank 0.40% $100,000 -
First United Bank And Trust Company 0.40% $25,000 -
The Moody National Bank 0.40% $500 -
Austin Bank, Texas National Association 0.40% $1,000 -
Woodhaven Bank 0.40% $1,000 -
First State Bank Of Uvalde 0.40% $1,000 -
The Pecos County State Bank 0.40% $100,000 -
The First Bank Of Celeste 0.40% $1,000 -
Lone Star Capital Bank, National Association 0.40% $500 -
Security State Bank 0.40% $10,000 -
Schertz Bank & Trust 0.40% $1,000 -
Greater State Bank 0.40% $1,000 -
First State Bank Of San Diego 0.40% $10,000 -
First National Bank Of Alvin 0.40% $100,000 -
Riverbend Bank 0.40% $1,000 -
Texas National Bank 0.40% $1,000 -
First Federal Bank Littlefield, Texas 0.40% $1,000 -
Texas Hill Country Bank 0.40% $100,000 -
Washington Federal, National Association 0.40% $1,000 -
Origin Bank 0.40% $500 -
The First National Bank Of Quitaque 0.40% $1,000 -
Tejas Bank 0.40% $1,000 -
Citizens 1st Bank 0.39% $100,000 -
Citizens 1st Bank 0.36% $1,000 -
First State Bank 0.35% $1,000 -
The Pecos County State Bank 0.35% $1,000 -
Texas State Bank 0.35% $1,000 -
First State Bank Of Burnet 0.35% $10,000 -
First Bank Texas, Ssb 0.35% $1,000 -
Citizens Bank 0.35% $1,000 -
First State Bank And Trust Company 0.35% $1,000 -
Bokf, National Association 0.35% $1,000 -
Happy State Bank 0.35% $1,000 -
Ballinger National Bank 0.35% $1,000 -
Muenster State Bank 0.35% $1,000 -
Shelby Savings Bank, Ssb 0.35% $1,000 -
Citizens National Bank Of Texas 0.35% $1,000 -
First State Bank Of Odem 0.35% $1,000 -
First National Bank Of Lake Jackson 0.35% $100,000 -
The Falls City National Bank 0.35% $100,000 -
First State Bank 0.35% $100,000 -
The First National Bank Of Anderson 0.35% $1,000 -
The Bank And Trust, S.s.b. 0.35% $500 -
Community National Bank 0.35% $100,000 -
First National Bank Of Fort Stockton 0.35% $100,000 -
Worthington National Bank 0.35% $1,000 -
The First National Bank Of Trenton 0.35% $1,000 -
First Savings Bank 0.35% $10,000 -
Fidelity Bank 0.35% $1,000 -
Crowell State Bank 0.35% $500 -
Centennial Bank 0.35% $50,000 -
First United Bank And Trust Company 0.35% $10,000 -
Vista Bank 0.35% $1,000 -
The Lytle State Bank Of Lytle, Texas 0.35% $100,000 -
The First National Bank Of Sterling City 0.35% $1,000 -
Firstbank Southwest 0.35% $2,500 -
Capital Bank Of Texas 0.35% $1,000 -
Independent Bank 0.35% $1,000 -
Union State Bank 0.35% $1,000 -
The First National Bank Of Granbury 0.35% $1,000 -
First Commercial Bank, National Association 0.35% $2,500 -
Stockmans Bank 0.35% $1,000 -
Midsouth Bank, National Association 0.35% $1,000 -
Great Southern Bank 0.35% $250 -
Anthem Bank & Trust 0.35% $1,000 -
Crockett National Bank 0.35% $500 -
Weststar Bank 0.31% $2,500 -
Grand Bank Of Texas 0.30% $1,000 -
The Lytle State Bank Of Lytle, Texas 0.30% $500 -
The National Bank Of Texas At Fort Worth 0.30% $100,000 -
First National Bank Of Lake Jackson 0.30% $1,000 -
Huntington State Bank 0.30% $100,000 -
Texas Community Bank 0.30% $100,000 -
Liberty Capital Bank 0.30% $1,000 -
Texas Star Bank 0.30% $1,000 -
First State Bank 0.30% $5,000 -
The Falls City National Bank 0.30% $1,500 -
Lone Star National Bank 0.30% $100,000 -
Nbh Bank 0.30% $500 -
The Ozona National Bank 0.30% $2,500 -
Panola National Bank 0.30% $1,000 -
Texana Bank, National Association 0.30% $1,000 -
Incommons Bank, N.a. 0.30% $1,000 -
The First National Bank Of Evant 0.30% $1,000 -
Community National Bank 0.30% $1,000 -
First National Bank Of Fort Stockton 0.30% $1,000 -
West Texas State Bank 0.30% $2,500 -
The Jacksboro National Bank 0.30% $2,500 -
Texas Republic Bank, National Association 0.30% $1,000 -
The Bank & Trust Of Bryan/college Station 0.30% $2,500 -
Sage Capital Bank, National Association 0.30% $500 -
Hometown Bank, National Association 0.30% $1,000 -
Lone Star State Bank Of West Texas 0.30% $1,000 -
The National Bank Of Andrews 0.30% $1,000 -
East West Bank 0.30% $10,000 -
Commercial State Bank 0.30% $100,000 -
Pioneer Bank 0.30% $1,000 -
Grapeland State Bank 0.30% $1,000 -
Communitybank Of Texas, N.a. 0.30% $1,000 -
The Roscoe State Bank 0.30% $1,000 -
Fsnb, National Association 0.30% $500 -
Security Bank 0.30% $50,000 -
Texas Hill Country Bank 0.30% $1,000 -
Texas Bank Financial 0.30% $10,000 -
Lakeside National Bank 0.26% $2,500 -
The First National Bank Of Hughes Springs 0.25% $1,000 -
Community National Bank & Trust Of Texas 0.25% $1,000 -
Falcon International Bank 0.25% $1,000 -
The First State Bank 0.25% $1,000 -
The American National Bank Of Texas 0.25% $100,000 -
Security State Bank & Trust 0.25% $500 -
Huntington State Bank 0.25% $500 -
Southwest Bank 0.25% $1,000 -
First Texas Bank 0.25% $500 -
Texas Capital Bank, National Association 0.25% $1,000 -
First Bank & Trust East Texas 0.25% $1,000 -
Inwood National Bank 0.25% $2,500 -
Landmark Bank, National Association 0.25% $5,000 -
The First National Bank Of Ballinger 0.25% $10,000 -
First Texoma National Bank 0.25% $1,000 -
First National Bank Texas 0.25% $50,000 -
First Bank Of Muleshoe 0.25% $10,000 -
Menard Bank 0.25% $100,000 -
Farmers State Bank 0.25% $1,000 -
Arrowhead Bank 0.25% $100,000 -
Pegasus Bank 0.25% $1,000 -
Guadalupe National Bank 0.25% $2,500 -
The Donley County State Bank 0.25% $1,000 -
North Dallas Bank & Trust Co. 0.25% $1,000 -
Texas Community Bank 0.25% $1,000 -
First State Bank Central Texas 0.25% $100,000 -
Bank Of The West 0.25% $1,000 -
The Commercial National Bank Of Brady 0.25% $1,000 -
Grandview Bank 0.25% $1,000 -
International Bank Of Commerce 0.25% $10,000 -
First National Bank Of Burleson 0.25% $1,000 -
Southwest Bank 0.25% $10,000 -
First State Bank 0.25% $1,500 -
First Texas Bank 0.25% $100,000 -
Commercial State Bank 0.25% $1,000 -
Interbank 0.25% $1,000 -
First National Bank In Port Lavaca 0.25% $1,000 -
International Bank Of Commerce 0.25% $10,000 -
State Bank Of Texas 0.25% $2,500 -
The First National Bank Of Eldorado 0.25% $1,000 -
Legacytexas Bank 0.25% $100 -
Commerce Bank 0.25% $10,000 -
International Bank Of Commerce 0.25% $10,000 -
Pinnacle Bank 0.25% $1,000 -
Junction National Bank 0.25% $1,000 -
Bancorpsouth Bank 0.25% $1,000 -
Texas State Bank 0.20% $1,000 -
Commercial Bank Of Texas, National Association 0.20% $1,000 -
Sovereign Bank 0.20% $1,000 -
The First National Bank Of Eagle Lake 0.20% $2,500 -
First State Bank Central Texas 0.20% $1,000 -
First National Bank Texas 0.20% $500 -
Transpecos Banks 0.20% $1,000 -
Jefferson Bank 0.20% $1,000 -
Justin State Bank 0.20% $500 -
Lone Star National Bank 0.20% $1,000 -
Arrowhead Bank 0.20% $500 -
The City National Bank Of San Saba 0.20% $1,000 -
Citizens Bank, National Association 0.20% $100,000 -
First National Bank Of Alvin 0.20% $10,000 -
The First National Bank Of Mertzon 0.20% $1 -
Texas Heritage Bank 0.20% $100,000 -
Pearland State Bank 0.20% $10,000 -
First Bank 0.20% $1,000 -
Farmers And Merchants Bank 0.20% $2,500 -
Llano National Bank 0.20% $500 -
Kleberg Bank, N.a. 0.20% $100,000 -
First National Bank 0.20% $500 -
The National Bank Of Texas At Fort Worth 0.20% $1,000 -
Robert Lee State Bank 0.20% $1,000 -
Southwest Bank 0.18% $10,000 -
Bank Of The Ozarks 0.18% $1,000 -
The American National Bank Of Texas 0.17% $1,000 -
Haskell National Bank 0.15% $500 -
Kleberg Bank, N.a. 0.15% $3,000 -
Bank Snb 0.15% $1,000 -
Menard Bank 0.15% $1,000 -
Texas Financial Bank 0.15% $100,000 -
Inter National Bank 0.15% $1,000 -
The Brenham National Bank 0.15% $1,000 -
First State Bank 0.15% $500 -
Trustmark National Bank 0.15% $1,000 -
Centennial Bank 0.15% $1,000 -
First Texas Bank 0.15% $1,000 -
Atascosa National Bank 0.15% $10,000 -
Umb Bank, National Association 0.15% $500 -
Capital One, National Association 0.15% $1,000 -
Woodforest National Bank 0.15% $500 -
American Bank, National Association 0.10% $1,000 -
First-citizens Bank & Trust Company 0.10% $10,000 -
Extraco Banks, National Association 0.10% $1,000 -
First Financial Bank, National Association 0.10% $500 -
Zb, National Association 0.10% $1,000 -
Big Bend Banks, N.a. 0.10% $100,000 -
The First National Bank Of Stanton 0.10% $500 -
Comerica Bank 0.10% $10,000 -
Branch Banking And Trust Company 0.10% $10,000 -
Texas Financial Bank 0.10% $1,000 -
Citizens Bank, National Association 0.10% $1,000 -
The City National Bank Of Taylor 0.10% $10,000 -
Texas Heritage Bank 0.10% $1,000 -
Security Bank 0.10% $3,000 -
Compass Bank 0.10% $1 -
Bank Of America, National Association 0.07% $10,000 -
Bank Of America, National Association 0.05% $10,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
Big Bend Banks, N.a. 0.05% $2,500 -
Broadway National Bank 0.05% $1,000 -
Frost Bank 0.05% $1,000 -
Regions Bank 0.05% $500 -
Jpmorgan Chase Bank, National Association 0.01% $10,000 -

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.

SAVINGS & CD BOOSTER CALCULATOR

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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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