You are viewing rates across Texas


Texas CD Rates 2017

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 - January 19, 2017

1 Year CD National Average : 0.40% ?

Bank APY MIN MILES ?
Tbk Bank, Ssb 1.42% $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 -
Industry State Bank 1.21% $100,000 -
Citizens State Bank 1.21% $100,000 -
Fayetteville Bank 1.21% $100,000 -
The First National Bank Of Shiner 1.21% $100,000 -
Bank Of Brenham, National Association 1.21% $100,000 -
The First National Bank Of Bellville 1.21% $100,000 -
Interstate Bank, Ssb 1.15% $100,000 -
Bank Of Brenham, National Association 1.14% $500 -
The First National Bank Of Shiner 1.11% $1,000 -
Citizens State Bank 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 -
Bank Of Brenham, National Association 1.11% $500 -
Bank Of South Texas 1.05% $1,000 -
Round Top State Bank 1.01% $100,000 -
The Mint National Bank 1.00% $10,000 -
The First National Bank Of Sonora 1.00% $1,000 -
Interstate Bank, Ssb 1.00% $500 -
Veritex Community Bank 1.00% $1,000 -
Integrity Bank, Ssb 1.00% $1,000 -
Spring Hill State Bank 1.00% $99,000 -
Texas Bank Financial 1.00% $100,000 -
Bth Bank, National Association 1.00% $1,000 -
Golden Bank, National Association 1.00% $1,500 -
The Donley County State Bank 1.00% $100,000 -
Titan Bank, N.a. 1.00% $1,000 -
Anthem Bank & Trust 1.00% $1,000 -
Crossfirst Bank 1.00% $1,000 -
Texas Bank 1.00% $500 -
Wallis State Bank 1.00% $100,000 -
Citizens State Bank 0.95% $100,000 -
Southside Bank 0.95% $25,000 -
Henderson Federal Savings Bank 0.95% $90,000 -
Austin County State Bank 0.95% $100,000 -
Spring Hill State Bank 0.95% $1,000 -
Peoples Bank 0.94% $2,500 -
Beal Bank, Ssb 0.91% $1,000 -
Pioneer Bank, Ssb 0.90% $1,000 -
Westbound Bank 0.90% $1,000 -
The Yoakum National Bank 0.90% $100,000 -
Wallis State Bank 0.90% $2,500 -
Lone Star State Bank Of West Texas 0.90% $1,000 -
Farmers Bank & Trust Company 0.90% $100,000 -
Southside Bank 0.90% $1,000 -
Sundown State Bank 0.90% $500 -
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 Capital Bank Ssb 0.85% $10,000 -
Austin County State Bank 0.85% $1,000 -
Henderson Federal Savings Bank 0.85% $500 -
First State Bank 0.85% $100,000 -
Citizens Bank 0.85% $100,000 -
Farmers Bank & Trust Company 0.85% $500 -
Jpmorgan Chase Bank, National Association 0.85% $75,000 -
Texana Bank, National Association 0.85% $1,000 -
Metro City Bank 0.84% $1,000 -
United Texas Bank 0.81% $1,000 -
Bbcn Bank 0.80% $1,000 -
First-lockhart National Bank 0.80% $100,000 -
Brush Country Bank 0.80% $100,000 -
The Chasewood Bank 0.80% $1,000 -
Aimbank 0.80% $1,000 -
The Donley County State Bank 0.80% $1,000 -
Commercial State Bank 0.80% $100,000 -
Amarillo National Bank 0.80% $1,000 -
Accessbank Texas 0.80% $1,000 -
Newfirst National Bank 0.80% $10,000 -
Spirit Of Texas Bank, Ssb 0.76% $1,000 -
Usaa Federal Savings Bank 0.76% $95,000 -
Brush Country Bank 0.75% $1,500 -
Hamlin National Bank 0.75% $500 -
First Capital Bank 0.75% $1,000 -
First State Bank 0.75% $10,000 -
Post Oak Bank, N.a. 0.75% $1,000 -
Cypress Bank, Ssb 0.75% $1,000 -
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 -
Hill Bank & Trust Co. 0.75% $100,000 -
The Waggoner National Bank Of Vernon 0.75% $1,000 -
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 -
Pilgrim 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% $4,000 -
The Citizens National Bank Of Hillsboro 0.70% $1,000 -
Southstar Bank, S.s.b. 0.70% $10,000 -
Jpmorgan Chase Bank, National Association 0.70% $1,000 -
First-lockhart National Bank 0.70% $1,000 -
The Yoakum National Bank 0.70% $500 -
City Bank 0.70% $1,000 -
Citizens State Bank 0.70% $1,000 -
Providence Bank Of Texas, Ssb 0.70% $100,000 -
The First National Bank Of Beeville 0.66% $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 -
First United 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 -
First National Bank Of Omaha 0.65% $500 -
Charter 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 Federal Community Bank, Ssb 0.65% $1,000 -
State Bank Of Texas 0.65% $100,000 -
Hanmi Bank 0.65% $100,000 -
First State Bank 0.65% $1,000 -
The First National Bank Of Beeville 0.62% $10,000 -
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 Of Uvalde 0.60% $100,000 -
Community Bank & Trust, Waco, Texas 0.60% $500 -
Snb Bank, National Association 0.60% $500 -
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 -
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 -
Heritage Bank 0.60% $1,000 -
Frontier Bank Of Texas 0.60% $100,000 -
Bridge City State Bank 0.60% $1,000 -
Valliance Bank 0.60% $1,000 -
Classic Bank, National Association 0.60% $2,500 -
First National Bank Of Hereford 0.60% $1,000 -
Texas Gulf Bank, National Association 0.60% $2,500 -
Providence Bank Of Texas, Ssb 0.60% $1,000 -
Farmers State Bank 0.57% $50,000 -
Vantage Bank Texas 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 -
Amistad Bank 0.55% $50,000 -
Classic Bank, National Association 0.55% $2,500 -
Cendera Bank, National Association 0.55% $500 -
First United Bank 0.55% $1,000 -
The American National Bank Of Mount Pleasant 0.55% $1,000 -
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 -
The Buckholts State Bank 0.55% $100,000 -
Bank Of Commerce 0.53% $1,000 -
Rio Bank 0.52% $2,500 -
The Hondo National Bank 0.50% $1,000 -
Security State Bank 0.50% $500 -
Pointbank 0.50% $10,000 -
International Bank Of Commerce 0.50% $100,000 -
Texas First State Bank 0.50% $1,000 -
Texas Bank And Trust Company 0.50% $1,000 -
Lubbock National Bank 0.50% $1,000 -
The First National Bank Of Paducah 0.50% $100,000 -
Texas Champion 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 -
Community Bank Of Snyder 0.50% $500 -
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 -
Trusttexas Bank, Ssb 0.50% $1,000 -
Citizens State Bank Of Luling 0.50% $1,000 -
Vantage Bank Texas 0.50% $500 -
The First National Bank Of Anderson 0.50% $1,000 -
West Texas State Bank 0.50% $1,000 -
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 -
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 Uvalde 0.50% $1,000 -
First State Bank Of San Diego 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 -
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 -
The First National Bank Of Albany 0.50% $1,000 -
Citizens National Bank 0.50% $500 -
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 -
First United Bank And Trust Company 0.45% $500 -
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 -
The First National Bank Of Tom Bean 0.45% $500 -
Vantage Bank Texas 0.45% $500 -
Castroville 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 National Bank Of Jasper 0.45% $1,000 -
The Santa Anna National Bank 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 -
The Pecos County State Bank 0.45% $100,000 -
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 -
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 -
Tejas Bank 0.45% $100,000 -
Fannin 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 -
The Pecos County State Bank 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 -
Texas Star Bank 0.40% $100,000 -
First State Bank Of Odem 0.40% $100,000 -
Pearland State Bank 0.40% $100,000 -
The First National Bank Of Paducah 0.40% $500 -
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 -
The Moody National Bank 0.40% $500 -
Austin Bank, Texas National Association 0.40% $1,000 -
First National Bank Of Alvin 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 -
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 -
Texas State Bank 0.35% $1,000 -
Southwest 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 -
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 -
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 -
The Blanco National Bank 0.35% $1,000 -
Centennial Bank 0.35% $50,000 -
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 -
Pioneer Bank 0.35% $1,000 -
Capital Bank Of Texas 0.35% $1,000 -
Independent Bank 0.35% $1,000 -
First State Bank 0.35% $100,000 -
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 -
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 -
Texas Star Bank 0.30% $1,000 -
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 -
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 -
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 -
First State Bank 0.30% $5,000 -
Texas Hill Country Bank 0.30% $1,000 -
Texas Bank Financial 0.30% $10,000 -
Farmers State Bank 0.30% $1,000 -
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 -
First Texas Bank 0.25% $500 -
Texas Capital Bank, National Association 0.25% $1,000 -
Inwood National Bank 0.25% $2,500 -
Landmark Bank, National Association 0.25% $5,000 -
Extraco Banks, National Association 0.25% $1,000 -
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 -
Menard Bank 0.25% $100,000 -
First Bank Of Muleshoe 0.25% $10,000 -
Arrowhead Bank 0.25% $100,000 -
Pegasus Bank 0.25% $1,000 -
Guadalupe National Bank 0.25% $2,500 -
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 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 -
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 -
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 0.20% $500 -
First National Bank Texas 0.20% $500 -
Texas Heritage Bank 0.20% $100,000 -
Jefferson Bank 0.20% $1,000 -
Justin State Bank 0.20% $500 -
Transpecos Banks 0.20% $1,000 -
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 -
The First National Bank Of Mertzon 0.20% $1 -
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 -
First National Bank Of Alvin 0.20% $10,000 -
The National Bank Of Texas At Fort Worth 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 -
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 -
The Brady National Bank 0.13% $10,000 -
American Bank, National Association 0.10% $1,000 -
First-citizens Bank & Trust Company 0.10% $10,000 -
Zb, National Association 0.10% $1,000 -
Big Bend Banks, N.a. 0.10% $100,000 -
First Financial Bank, National Association 0.10% $500 -
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 -
Texas Heritage Bank 0.10% $1,000 -
The City National Bank Of Taylor 0.10% $10,000 -
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 2017

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

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

Input the numbers

  • 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.

  • «
  • Page 1 of 3
  • 2
  • 3
  • »

Add Your Review

Rate it here →
 

Products by State