Texas CD Rates 2021

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 - July 26, 2021

1 Year CD National Average : 0.40% ^?

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Banks	APY	MIN	MILES ^?
Henderson Federal Savings Bank	1.11%	$100,000	-	Learn More Reviews
Providence Bank Of Texas, Ssb	1.10%	$100,000	-	Learn More Reviews
T Bank, National Association	1.10%	$10,000	-	Learn More Reviews
Texas National Bank Of Jacksonville	1.10%	$10,000	-	Learn More Reviews
Bank Of Brenham, National Association	1.06%	$100,000	-	Learn More Reviews (4)
Citizens State Bank	1.06%	$100,000	-	Learn More Reviews (1)
Fayetteville Bank	1.06%	$100,000	-	Learn More Reviews
Industry State Bank	1.06%	$100,000	-	Learn More Reviews (1)
The First National Bank Of Bellville	1.06%	$100,000	-	Learn More Reviews (2)
The First National Bank Of Shiner	1.06%	$100,000	-	Learn More Reviews
Fayette Savings Bank, Ssb	1.05%	$10,000	-	Learn More Reviews
Providence Bank Of Texas, Ssb	1.05%	$10,000	-	Learn More Reviews
Henderson Federal Savings Bank	1.01%	$10,000	-	Learn More Reviews
Trusttexas Bank, Ssb	1.01%	$100,000	-	Learn More Reviews
Affiliated Bank, National Association	1.00%	$10,000	-	Learn More Reviews
Bth Bank, National Association	1.00%	$10,000	-	Learn More Reviews
Citizens State Bank	1.00%	$100,000	-	Learn More Reviews
Crossroads Bank	1.00%	$100,000	-	Learn More Reviews
First State Bank Of Texas	1.00%	$100,000	-	Learn More Reviews
First State Bank	1.00%	$100,000	-	Learn More Reviews
Sage Capital Bank,	1.00%	$90,000	-	Learn More Reviews
Security Bank Of Crawford	1.00%	$100,000	-	Learn More Reviews
Stockmans Bank	1.00%	$100,000	-	Learn More Reviews
The Chasewood Bank	1.00%	$10,000	-	Learn More Reviews
Austin County State Bank	0.95%	$100,000	-	Learn More Reviews
Bank Of Brenham, National Association	0.95%	$10,000	-	Learn More Reviews (4)
Citizens State Bank	0.95%	$10,000	-	Learn More Reviews (1)
Industry State Bank	0.95%	$10,000	-	Learn More Reviews (1)
Round Top State Bank	0.95%	$10,000	-	Learn More Reviews
The First National Bank Of Bellville	0.95%	$10,000	-	Learn More Reviews (2)
The First National Bank Of Shiner	0.95%	$10,000	-	Learn More Reviews
Citizens State Bank	0.95%	$1,000	-	Learn More Reviews
Texstar National Bank	0.90%	$10,000	-	Learn More Reviews
Austin County State Bank	0.90%	$10,000	-	Learn More Reviews
Citizens State Bank	0.90%	$10,000	-	Learn More Reviews
Classic Bank, National Association	0.90%	$100,000	-	Learn More Reviews
Ennis State Bank	0.90%	$100,000	-	Learn More Reviews
Ciera Bank	0.90%	$10,000	-	Learn More Reviews
Crossroads Bank	0.90%	$10,000	-	Learn More Reviews
First State Bank	0.90%	$1,000	-	Learn More Reviews
Gilmer National Bank, Gilmer, Texas	0.90%	$10,000	-	Learn More Reviews
Ubank	0.90%	$10,000	-	Learn More Reviews
Southstar Bank, S.s.b.	0.90%	$100,000	-	Learn More Reviews
Marion State Bank	0.90%	$100,000	-	Learn More Reviews
Schertz Bank & Trust	0.90%	$10,000	-	Learn More Reviews
Stockmans Bank	0.90%	$10,000	-	Learn More Reviews
The Citizens National Bank Of Hillsboro	0.90%	$10,000	-	Learn More Reviews
The First National Bank Of Sonora	0.90%	$100,000	-	Learn More Reviews
Trusttexas Bank, Ssb	0.90%	$10,000	-	Learn More Reviews
R Bank	0.88%	$100,000	-	Learn More Reviews
Bank 7	0.85%	$1,000	-	Learn More Reviews
Freedom Bank	0.85%	$100,000	-	Learn More Reviews
Citizens State Bank	0.85%	$100,000	-	Learn More Reviews
Classic Bank, National Association	0.85%	$100,000	-	Learn More Reviews
First State Bank And Trust Company	0.85%	$100,000	-	Learn More Reviews
Pioneer Bank, Ssb	0.85%	$10,000	-	Learn More Reviews
Texana Bank, National Association	0.85%	$10,000	-	Learn More Reviews (2)
Accessbank Texas	0.80%	$10,000	-	Learn More Reviews
American Bank Of Commerce	0.80%	$10,000	-	Learn More Reviews
Carmine State Bank	0.80%	$10,000	-	Learn More Reviews
Classic Bank, National Association	0.80%	$10,000	-	Learn More Reviews
Southstar Bank, S.s.b.	0.80%	$1,000	-	Learn More Reviews
Security Bank Of Crawford	0.80%	$10,000	-	Learn More Reviews
First State Bank Of Bedias	0.78%	$100,000	-	Learn More Reviews
Dominion Bank	0.76%	$10,000	-	Learn More Reviews
West Texas State Bank	0.75%	$10,000	-	Learn More Reviews
Atascosa Bank	0.75%	$100,000	-	Learn More Reviews
Boc Bank	0.75%	$10,000	-	Learn More Reviews
Bank Of South Texas	0.75%	$10,000	-	Learn More Reviews
Citizens State Bank	0.75%	$10,000	-	Learn More Reviews
Crossfirst Bank	0.75%	$10,000	-	Learn More Reviews (1)
Ennis State Bank	0.75%	$10,000	-	Learn More Reviews
First Guaranty Bank	0.75%	$10,000	-	Learn More Reviews
First National Bank Of South Padre Island	0.75%	$10,000	-	Learn More Reviews
First State Bank Of Texas	0.75%	$10,000	-	Learn More Reviews
First State Bank	0.75%	$1,000	-	Learn More Reviews
First State Bank And Trust Company	0.75%	$10,000	-	Learn More Reviews
First State Bank Of San Diego	0.75%	$100,000	-	Learn More Reviews
Frontier Bank Of Texas	0.75%	$10,000	-	Learn More Reviews
Kleberg Bank, N.a.	0.75%	$100,000	-	Learn More Reviews
Nexbank, Ssb	0.75%	$10,000	-	Learn More Reviews (2)
Normangee State Bank	0.75%	$10,000	-	Learn More Reviews (1)
One World Bank	0.75%	$10,000	-	Learn More Reviews
R Bank	0.75%	$10,000	-	Learn More Reviews
Sage Capital Bank,	0.75%	$500	-	Learn More Reviews
Spirit Of Texas Bank, Ssb	0.75%	$10,000	-	Learn More Reviews (2)
Texas Bank	0.75%	$10,000	-	Learn More Reviews
The First National Bank Of Moody	0.75%	$100,000	-	Learn More Reviews
The First National Bank Of Sonora	0.75%	$10,000	-	Learn More Reviews
The First State Bank	0.75%	$10,000	-	Learn More Reviews
The Moody National Bank	0.75%	$10,000	-	Learn More Reviews
Oakwood Bank	0.75%	$10,000	-	Learn More Reviews
United Texas Bank	0.75%	$1,000	-	Learn More Reviews
Worthington National Bank	0.75%	$10,000	-	Learn More Reviews
Classic Bank, National Association	0.70%	$10,000	-	Learn More Reviews
Commerce Bank Texas	0.70%	$10,000	-	Learn More Reviews
First National Bank	0.70%	$10,000	-	Learn More Reviews
First National Bank And Trust Company Of Weatherford	0.70%	$10,000	-	Learn More Reviews
Great Plains National Bank	0.70%	$1,000	-	Learn More Reviews
Hometown Bank, National Association	0.70%	$100,000	-	Learn More Reviews
Interstate Bank	0.70%	$100,000	-	Learn More Reviews
Kleberg Bank, N.a.	0.70%	$10,000	-	Learn More Reviews
Lone Star Capital Bank, National Association	0.70%	$100,000	-	Learn More Reviews
Marion State Bank	0.70%	$10,000	-	Learn More Reviews
Peoples State Bank Of Hallettsville	0.70%	$100,000	-	Learn More Reviews
Shinhan Bank America	0.70%	$10,000	-	Learn More Reviews (1)
The Bank And Trust, S.s.b.	0.70%	$100,000	-	Learn More Reviews
The First National Bank Of Hebbronville	0.70%	$100,000	-	Learn More Reviews
The First National Bank Of Moody	0.70%	$1,000	-	Learn More Reviews
The Mint National Bank	0.70%	$10,000	-	Learn More Reviews
First State Bank Of Bedias	0.68%	$10,000	-	Learn More Reviews
Freedom Bank	0.65%	$10,000	-	Learn More Reviews
American First National Bank	0.65%	$100,000	-	Learn More Reviews
Freedom Bank	0.65%	$10,000	-	Learn More Reviews
Central National Bank	0.65%	$10,000	-	Learn More Reviews
First National Bank Of Central Texas	0.65%	$10,000	-	Learn More Reviews
Hanmi Bank	0.65%	$100,000	-	Learn More Reviews
Mineola Community Bank, S.s.b.	0.65%	$10,000	-	Learn More Reviews
Texas Brand Bank	0.65%	$10,000	-	Learn More Reviews
The First National Bank Of Bastrop	0.65%	$100,000	-	Learn More Reviews
The First National Bank Of Mcgregor	0.65%	$10,000	-	Learn More Reviews
Wallis Bank	0.65%	$100,000	-	Learn More Reviews
Centennial Bank	0.65%	$10,000	-	Learn More Reviews
Western Bank	0.65%	$10,000	-	Learn More Reviews
Rio Bank	0.63%	$2,500	-	Learn More Reviews
Southwestern National Bank	0.63%	$100,000	-	Learn More Reviews
Spring Hill State Bank	0.61%	$100,000	-	Learn More Reviews
American First National Bank	0.60%	$10,000	-	Learn More Reviews
Atascosa Bank	0.60%	$10,000	-	Learn More Reviews
Bank Of Desoto, National Association	0.60%	$10,000	-	Learn More Reviews
Burton State Bank	0.60%	$100,000	-	Learn More Reviews
Classic Bank, National Association	0.60%	$10,000	-	Learn More Reviews
Tbk Bank, Ssb	0.60%	$10,000	-	Learn More Reviews (2)
First Federal Community Bank, Ssb	0.60%	$10,000	-	Learn More Reviews
First National Bank Of Fort Stockton	0.60%	$100,000	-	Learn More Reviews
First National Bank Of Huntsville	0.60%	$100,000	-	Learn More Reviews
First National Bank Of Jasper	0.60%	$100,000	-	Learn More Reviews
First State Bank	0.60%	$100,000	-	Learn More Reviews
First State Bank Of San Diego	0.60%	$10,000	-	Learn More Reviews
First United Bank	0.60%	$100,000	-	Learn More Reviews
First-lockhart National Bank	0.60%	$100,000	-	Learn More Reviews
Fort Davis State Bank	0.60%	$100,000	-	Learn More Reviews
Homebank Texas	0.60%	$10,000	-	Learn More Reviews
Incommons Bank, N.a.	0.60%	$10,000	-	Learn More Reviews
Lone Star Capital Bank, National Association	0.60%	$10,000	-	Learn More Reviews
Panola National Bank	0.60%	$10,000	-	Learn More Reviews
Pointwest Bank	0.60%	$10,000	-	Learn More Reviews
Prosperity Bank	0.60%	$100,000	-	Learn More Reviews (4)
State Bank Of De Kalb	0.60%	$10,000	-	Learn More Reviews
Sundown State Bank	0.60%	$10,000	-	Learn More Reviews
Texas Bank Financial	0.60%	$100,000	-	Learn More Reviews
The Bank And Trust, S.s.b.	0.60%	$500	-	Learn More Reviews
The First National Bank In Cooper	0.60%	$10,000	-	Learn More Reviews
Cendera Bank, National Association	0.60%	$100,000	-	Learn More Reviews
The First National Bank Of Hebbronville	0.60%	$10,000	-	Learn More Reviews
The First National Bank Of Tom Bean	0.60%	$10,000	-	Learn More Reviews
The Liberty National Bank In Paris	0.60%	$10,000	-	Learn More Reviews
Southwestern National Bank	0.58%	$10,000	-	Learn More Reviews
Citizens 1st Bank	0.55%	$10,000	-	Learn More Reviews
Citizens 1st Bank	0.55%	$100,000	-	Learn More Reviews
Commonwealth Business Bank	0.55%	$10,000	-	Learn More Reviews (1)
Extraco Banks, National Association	0.55%	$10,000	-	Learn More Reviews
Texas Regional Bank	0.55%	$100,000	-	Learn More Reviews (1)
First Command Bank	0.55%	$10,000	-	Learn More Reviews
First National Bank Of Dublin	0.55%	$10,000	-	Learn More Reviews
First State Bank	0.55%	$10,000	-	Learn More Reviews
Grandview Bank	0.55%	$10,000	-	Learn More Reviews
Austin Capital Bank Ssb	0.55%	$10,000	-	Learn More Reviews
Amerant Bank, National Association	0.55%	$500	-	Learn More Reviews (1)
Pavillion Bank	0.55%	$100,000	-	Learn More Reviews
Peoples State Bank Of Hallettsville	0.55%	$10,000	-	Learn More Reviews
Security State Bank	0.55%	$100,000	-	Learn More Reviews (2)
Sunflower Bank, National Association	0.55%	$10,000	-	Learn More Reviews (1)
Cendera Bank, National Association	0.55%	$10,000	-	Learn More Reviews
The Santa Anna National Bank	0.55%	$10,000	-	Learn More Reviews
The Yoakum National Bank	0.55%	$100,000	-	Learn More Reviews
Wallis Bank	0.55%	$10,000	-	Learn More Reviews
Spring Hill State Bank	0.51%	$10,000	-	Learn More Reviews
First Financial Bank, National Association	0.50%	$10,000	-	Learn More Reviews
The Hondo National Bank	0.50%	$10,000	-	Learn More Reviews
Amarillo National Bank	0.50%	$10,000	-	Learn More Reviews
American National Bank & Trust	0.50%	$10,000	-	Learn More Reviews
Bom Bank	0.50%	$10,000	-	Learn More Reviews
Bank Ozk	0.50%	$100,000	-	Learn More Reviews (6)
Bank Of The West	0.50%	$10,000	-	Learn More Reviews
Benchmark Bank	0.50%	$100,000	-	Learn More Reviews
Bridge City State Bank	0.50%	$1,000	-	Learn More Reviews
Burton State Bank	0.50%	$10,000	-	Learn More Reviews
Cadence Bank, N.a.	0.50%	$10,000	-	Learn More Reviews
Castroville State Bank	0.50%	$100,000	-	Learn More Reviews
Bank Of Hope	0.50%	$100,000	-	Learn More Reviews (1)
Citizens Bank	0.50%	$10,000	-	Learn More Reviews
City Bank	0.50%	$10,000	-	Learn More Reviews
Coleman County State Bank	0.50%	$100,000	-	Learn More Reviews
Commerce Bank	0.50%	$100,000	-	Learn More Reviews
Commercial National Bank Of Texarkana	0.50%	$10,000	-	Learn More Reviews
Community Bank & Trust, Waco, Texas	0.50%	$10,000	-	Learn More Reviews
Crowell State Bank	0.50%	$10,000	-	Learn More Reviews
Cypress Bank, Ssb	0.50%	$10,000	-	Learn More Reviews
Texas Regional Bank	0.50%	$10,000	-	Learn More Reviews (1)
Fannin Bank	0.50%	$10,000	-	Learn More Reviews
Farmers Bank & Trust Company	0.50%	$10,000	-	Learn More Reviews
Farmers State Bank	0.50%	$10,000	-	Learn More Reviews
First Commercial Bank, National Association	0.50%	$10,000	-	Learn More Reviews
First Community Bank	0.50%	$10,000	-	Learn More Reviews
First Capital Bank	0.50%	$10,000	-	Learn More Reviews
First National Bank Of Hereford	0.50%	$10,000	-	Learn More Reviews
First National Bank Of Jasper	0.50%	$10,000	-	Learn More Reviews
First National Bank Of Lake Jackson	0.50%	$10,000	-	Learn More Reviews
Firstcapital Bank Of Texas, National Association	0.50%	$10,000	-	Learn More Reviews
First State Bank	0.50%	$5,000	-	Learn More Reviews
First State Bank Of Odem	0.50%	$100,000	-	Learn More Reviews
First Texas Bank	0.50%	$100,000	-	Learn More Reviews
First United Bank	0.50%	$10,000	-	Learn More Reviews
First-lockhart National Bank	0.50%	$10,000	-	Learn More Reviews
Fort Davis State Bank	0.50%	$1,000	-	Learn More Reviews
Golden Bank, National Association	0.50%	$100,000	-	Learn More Reviews
Hanmi Bank	0.50%	$10,000	-	Learn More Reviews
Hometown Bank, National Association	0.50%	$10,000	-	Learn More Reviews
Horizon Bank, Ssb	0.50%	$1,000	-	Learn More Reviews
International Bank Of Commerce	0.50%	$100,000	-	Learn More Reviews
International Bank Of Commerce	0.50%	$100,000	-	Learn More Reviews
International Bank Of Commerce	0.50%	$100,000	-	Learn More Reviews
Interstate Bank	0.50%	$10,000	-	Learn More Reviews
Kress National Bank	0.50%	$50,000	-	Learn More Reviews
Promiseone Bank	0.50%	$10,000	-	Learn More Reviews
Pegasus Bank	0.50%	$100,000	-	Learn More Reviews
Pinnacle Bank	0.50%	$10,000	-	Learn More Reviews
Plains State Bank	0.50%	$1,000	-	Learn More Reviews (1)
Security State Bank & Trust	0.50%	$100,000	-	Learn More Reviews
Simmons Bank	0.50%	$10,000	-	Learn More Reviews (4)
Spirit Of Texas Bank, Ssb	0.50%	$10,000	-	Learn More Reviews (2)
Texas Bank And Trust Company	0.50%	$10,000	-	Learn More Reviews
Texas Capital Bank, National Association	0.50%	$10,000	-	Learn More Reviews
Texas Champion Bank	0.50%	$10,000	-	Learn More Reviews
Texas Heritage National Bank	0.50%	$10,000	-	Learn More Reviews
Texas National Bank	0.50%	$100,000	-	Learn More Reviews
Texas Bank Financial	0.50%	$10,000	-	Learn More Reviews
The Buckholts State Bank	0.50%	$100,000	-	Learn More Reviews
The Commercial National Bank Of Brady	0.50%	$100,000	-	Learn More Reviews
The First National Bank Of Albany	0.50%	$10,000	-	Learn More Reviews
The First National Bank Of Anderson	0.50%	$1,000	-	Learn More Reviews
The First National Bank Of Bastrop	0.50%	$10,000	-	Learn More Reviews
The First National Bank Of Lipan	0.50%	$10,000	-	Learn More Reviews
The First National Bank Of Livingston	0.50%	$100,000	-	Learn More Reviews (1)
The First National Bank Of Winnsboro	0.50%	$10,000	-	Learn More Reviews
The Perryton National Bank	0.50%	$100,000	-	Learn More Reviews
The State National Bank Of Groom	0.50%	$5,000	-	Learn More Reviews
The Waggoner National Bank Of Vernon	0.50%	$10,000	-	Learn More Reviews
The Yoakum National Bank	0.50%	$10,000	-	Learn More Reviews
Wellington State Bank	0.50%	$100,000	-	Learn More Reviews
Western Heritage Bank	0.50%	$100,000	-	Learn More Reviews (1)
International Bank Of Commerce	0.50%	$100,000	-	Learn More Reviews
The National Bank Of Andrews	0.45%	$100,000	-	Learn More Reviews
American Bank, National Association	0.45%	$100,000	-	Learn More Reviews
Amistad Bank	0.45%	$100,000	-	Learn More Reviews
Arrowhead Bank	0.45%	$100,000	-	Learn More Reviews
Texan Bank, National Association	0.45%	$10,000	-	Learn More Reviews
Citizens Bank	0.45%	$1,000	-	Learn More Reviews
Commercial Bank Of Texas, National Association	0.45%	$10,000	-	Learn More Reviews
First National Bank Of Fort Stockton	0.45%	$10,000	-	Learn More Reviews
First State Bank Of Burnet	0.45%	$100,000	-	Learn More Reviews
Golden Bank, National Association	0.45%	$10,000	-	Learn More Reviews
Guaranty Bank & Trust, N.a.	0.45%	$10,000	-	Learn More Reviews
North Dallas Bank & Trust Co.	0.45%	$100,000	-	Learn More Reviews
Texas First Bank	0.45%	$10,000	-	Learn More Reviews (1)
The American National Bank Of Mount Pleasant	0.45%	$10,000	-	Learn More Reviews
The Brady National Bank	0.45%	$100,000	-	Learn More Reviews
The City National Bank Of Sulphur Springs	0.45%	$10,000	-	Learn More Reviews
Bank Of Houston, National Association	0.45%	$1,000	-	Learn More Reviews
The First National Bank Of East Texas	0.45%	$100,000	-	Learn More Reviews
The First National Bank Of Livingston	0.45%	$10,000	-	Learn More Reviews (1)
United Bank Of El Paso Del Norte	0.45%	$100,000	-	Learn More Reviews
Vista Bank	0.45%	$10,000	-	Learn More Reviews
Zapata National Bank	0.45%	$100,000	-	Learn More Reviews
Beal Bank	0.41%	$1,000	-	Learn More Reviews
Security State Bank	0.40%	$100,000	-	Learn More Reviews
Alliance Bank	0.40%	$1,000	-	Learn More Reviews
American Bank, National Association	0.40%	$10,000	-	Learn More Reviews
Amistad Bank	0.40%	$10,000	-	Learn More Reviews
Arrowhead Bank	0.40%	$10,000	-	Learn More Reviews
Weststar Bank	0.40%	$100,000	-	Learn More Reviews
Capital Bank	0.40%	$100,000	-	Learn More Reviews
Castroville State Bank	0.40%	$10,000	-	Learn More Reviews
Bank Of Hope	0.40%	$10,000	-	Learn More Reviews (1)
Charter Bank	0.40%	$10,000	-	Learn More Reviews
Citizens National Bank At Brownwood	0.40%	$10,000	-	Learn More Reviews
Citizens State Bank	0.40%	$100,000	-	Learn More Reviews
Citizens State Bank Of Luling	0.40%	$100,000	-	Learn More Reviews
Coleman County State Bank	0.40%	$10,000	-	Learn More Reviews
Commercial State Bank	0.40%	$10,000	-	Learn More Reviews
Bbva Usa	0.40%	$10,000	-	Learn More Reviews (4)
First Security State Bank	0.40%	$10,000	-	Learn More Reviews
First State Bank Of Odem	0.40%	$10,000	-	Learn More Reviews
First Texas Bank	0.40%	$500	-	Learn More Reviews
Firstbank Southwest	0.40%	$100,000	-	Learn More Reviews
Greater State Bank	0.40%	$10,000	-	Learn More Reviews
Herring Bank	0.40%	$10,000	-	Learn More Reviews (1)
Inwood National Bank	0.40%	$10,000	-	Learn More Reviews
Kress National Bank	0.40%	$1,000	-	Learn More Reviews
Liberty Capital Bank	0.40%	$10,000	-	Learn More Reviews (1)
Lone Star State Bank Of West Texas	0.40%	$10,000	-	Learn More Reviews (1)
Mcbank	0.40%	$100,000	-	Learn More Reviews
Muenster State Bank	0.40%	$1,000	-	Learn More Reviews
North Dallas Bank & Trust Co.	0.40%	$10,000	-	Learn More Reviews
Pavillion Bank	0.40%	$10,000	-	Learn More Reviews
Peoples Bank	0.40%	$10,000	-	Learn More Reviews
Plainscapital Bank	0.40%	$10,000	-	Learn More Reviews
Prosperity Bank	0.40%	$10,000	-	Learn More Reviews (4)
Vantage Bank Texas	0.40%	$10,000	-	Learn More Reviews (1)
Security State Bank & Trust	0.40%	$500	-	Learn More Reviews
Shelby Savings Bank, Ssb	0.40%	$100,000	-	Learn More Reviews
Texas National Bank	0.40%	$1,000	-	Learn More Reviews
The Brady National Bank	0.40%	$10,000	-	Learn More Reviews
The Donley County State Bank	0.40%	$10,000	-	Learn More Reviews
The First Bank Of Celeste	0.40%	$10,000	-	Learn More Reviews
The First National Bank Of East Texas	0.40%	$10,000	-	Learn More Reviews
The First National Bank Of Quitaque	0.40%	$10,000	-	Learn More Reviews
The First National Bank Of Sterling City	0.40%	$100,000	-	Learn More Reviews
The First State Bank	0.40%	$10,000	-	Learn More Reviews
The Jacksboro National Bank	0.40%	$100,000	-	Learn More Reviews
The Pecos County State Bank	0.40%	$100,000	-	Learn More Reviews
Washington Federal Bank, National Association	0.40%	$100,000	-	Learn More Reviews (2)
Wellington State Bank	0.40%	$1,000	-	Learn More Reviews
West Texas National Bank	0.40%	$1,000	-	Learn More Reviews
Verabank, National Association	0.38%	$10,000	-	Learn More Reviews
Pegasus Bank	0.38%	$10,000	-	Learn More Reviews
Happy State Bank	0.36%	$100,000	-	Learn More Reviews
Allegiance Bank	0.35%	$10,000	-	Learn More Reviews
Weststar Bank	0.35%	$2,500	-	Learn More Reviews
Citizens Bank, National Association	0.35%	$100,000	-	Learn More Reviews
Community National Bank	0.35%	$10,000	-	Learn More Reviews
Community National Bank	0.35%	$10,000	-	Learn More Reviews
Community National Bank & Trust Of Texas	0.35%	$10,000	-	Learn More Reviews
Farmers State Bank	0.35%	$10,000	-	Learn More Reviews
First Federal Bank Littlefield, Texas	0.35%	$100,000	-	Learn More Reviews
First National Bank Texas	0.35%	$100,000	-	Learn More Reviews
First Savings Bank	0.35%	$10,000	-	Learn More Reviews (1)
First Texas Bank	0.35%	$100,000	-	Learn More Reviews
Independent Bank	0.35%	$10,000	-	Learn More Reviews
Jefferson Bank	0.35%	$100,000	-	Learn More Reviews
Lone Star National Bank	0.35%	$1,000	-	Learn More Reviews (6)
Mcbank	0.35%	$10,000	-	Learn More Reviews
Pilgrim Bank	0.35%	$1,000	-	Learn More Reviews
Texas Bank	0.35%	$100,000	-	Learn More Reviews
Texas Security Bank	0.35%	$10,000	-	Learn More Reviews
The American National Bank Of Texas	0.35%	$100,000	-	Learn More Reviews
The Buckholts State Bank	0.35%	$10,000	-	Learn More Reviews
The Commercial National Bank Of Brady	0.35%	$10,000	-	Learn More Reviews
The Falls City National Bank	0.35%	$100,000	-	Learn More Reviews
The First National Bank Of Eldorado	0.35%	$100,000	-	Learn More Reviews
The First National Bank Of Sterling City	0.35%	$10,000	-	Learn More Reviews
Captex Bank, National Association	0.35%	$10,000	-	Learn More Reviews
The Lytle State Bank Of Lytle, Texas	0.35%	$100,000	-	Learn More Reviews
The Pecos County State Bank	0.35%	$10,000	-	Learn More Reviews
The Perryton National Bank	0.35%	$10,000	-	Learn More Reviews
Interbank	0.35%	$10,000	-	Learn More Reviews (1)
Mufg Union Bank, National Association	0.35%	$10,000	-	Learn More Reviews (3)
United Bank Of El Paso Del Norte	0.35%	$10,000	-	Learn More Reviews
Washington Federal Bank, National Association	0.35%	$10,000	-	Learn More Reviews (2)
Fort Hood National Bank	0.35%	$100,000	-	Learn More Reviews
Metro City Bank	0.33%	$10,000	-	Learn More Reviews (1)
First National Bank Of Bosque County	0.31%	$10,000	-	Learn More Reviews
Armed Forces Bank, National Association	0.30%	$10,000	-	Learn More Reviews (2)
Austin Bank, Texas National Association	0.30%	$10,000	-	Learn More Reviews
Benchmark Bank	0.30%	$10,000	-	Learn More Reviews
Big Bend Banks, N.a.	0.30%	$100,000	-	Learn More Reviews
Capital Bank	0.30%	$10,000	-	Learn More Reviews
Cathay Bank	0.30%	$10,000	-	Learn More Reviews
Citizens Bank, National Association	0.30%	$10,000	-	Learn More Reviews
Verabank, National Association	0.30%	$10,000	-	Learn More Reviews
Citizens State Bank Of Luling	0.30%	$1,000	-	Learn More Reviews
First Federal Bank Littlefield, Texas	0.30%	$10,000	-	Learn More Reviews
First National Bank Of Huntsville	0.30%	$10,000	-	Learn More Reviews
First State Bank	0.30%	$10,000	-	Learn More Reviews
Great Southern Bank	0.30%	$250	-	Learn More Reviews
Jefferson Bank	0.30%	$10,000	-	Learn More Reviews
Legend Bank, N.a.	0.30%	$1,000	-	Learn More Reviews
Llano National Bank	0.30%	$2,500	-	Learn More Reviews
Lone Star Bank	0.30%	$10,000	-	Learn More Reviews (1)
Prosperity Bank	0.30%	$10,000	-	Learn More Reviews (4)
Security State Bank	0.30%	$10,000	-	Learn More Reviews
Shelby Savings Bank, Ssb	0.30%	$10,000	-	Learn More Reviews
Texas Republic Bank, National Association	0.30%	$1,000	-	Learn More Reviews
The Falls City National Bank	0.30%	$10,000	-	Learn More Reviews
Maplemark Bank	0.30%	$25,000	-	Learn More Reviews (1)
The First National Bank Of Evant	0.30%	$10,000	-	Learn More Reviews
The First National Bank Of Granbury	0.30%	$10,000	-	Learn More Reviews
Fsnb, National Association	0.30%	$10,000	-	Learn More Reviews
The Jacksboro National Bank	0.30%	$10,000	-	Learn More Reviews
The Roscoe State Bank	0.30%	$10,000	-	Learn More Reviews
The State National Bank Of Big Spring	0.30%	$10,000	-	Learn More Reviews
Umb Bank, National Association	0.30%	$10,000	-	Learn More Reviews (2)
First Bank & Trust	0.30%	$10,000	-	Learn More Reviews
Nbh Bank	0.30%	$10,000	-	Learn More Reviews
American State Bank	0.25%	$10,000	-	Learn More Reviews
Bancorpsouth Bank	0.25%	$10,000	-	Learn More Reviews (2)
Big Bend Banks, N.a.	0.25%	$10,000	-	Learn More Reviews
Capital Bank Of Texas	0.25%	$95,000	-	Learn More Reviews
Central Bank	0.25%	$10,000	-	Learn More Reviews
Colonial Savings, F.a.	0.25%	$10,000	-	Learn More Reviews (1)
Commerce Bank	0.25%	$10,000	-	Learn More Reviews
Origin Bank	0.25%	$10,000	-	Learn More Reviews (1)
Farmers And Merchants Bank	0.25%	$10,000	-	Learn More Reviews
First Bank	0.25%	$10,000	-	Learn More Reviews
First Community Bank	0.25%	$1,000	-	Learn More Reviews
First National Bank Of Alvin	0.25%	$100,000	-	Learn More Reviews
First National Bank Of Burleson	0.25%	$10,000	-	Learn More Reviews
First National Bank Texas	0.25%	$10,000	-	Learn More Reviews
First State Bank	0.25%	$10,000	-	Learn More Reviews
First State Bank Of Burnet	0.25%	$10,000	-	Learn More Reviews
First State Bank Of Uvalde	0.25%	$10,000	-	Learn More Reviews
First Texas Bank	0.25%	$10,000	-	Learn More Reviews
First Texoma National Bank	0.25%	$10,000	-	Learn More Reviews
International Bank Of Commerce	0.25%	$10,000	-	Learn More Reviews
International Bank Of Commerce	0.25%	$10,000	-	Learn More Reviews
International Bank Of Commerce	0.25%	$10,000	-	Learn More Reviews
Junction National Bank	0.25%	$10,000	-	Learn More Reviews
Charis Bank	0.25%	$10,000	-	Learn More Reviews
Newfirst National Bank	0.25%	$10,000	-	Learn More Reviews
Veritex Community Bank	0.25%	$10,000	-	Learn More Reviews
Sabine State Bank And Trust Company	0.25%	$10,000	-	Learn More Reviews
Texas Bank	0.25%	$10,000	-	Learn More Reviews
Texas Gulf Bank, National Association	0.25%	$10,000	-	Learn More Reviews
Texas State Bank	0.25%	$100,000	-	Learn More Reviews
The American National Bank Of Texas	0.25%	$10,000	-	Learn More Reviews
The City National Bank Of San Saba	0.25%	$10,000	-	Learn More Reviews
The Community Bank	0.25%	$10,000	-	Learn More Reviews
Farmers & Merchants Bank	0.25%	$100,000	-	Learn More Reviews
The First National Bank Of Eagle Lake	0.25%	$100,000	-	Learn More Reviews
The First National Bank Of Eldorado	0.25%	$10,000	-	Learn More Reviews
The First National Bank Of Hughes Springs	0.25%	$10,000	-	Learn More Reviews
Frost Bank	0.25%	$100,000	-	Learn More Reviews
The Lytle State Bank Of Lytle, Texas	0.25%	$10,000	-	Learn More Reviews
The Ozona National Bank	0.25%	$10,000	-	Learn More Reviews
Titan Bank, N.a.	0.25%	$10,000	-	Learn More Reviews (5)
Zapata National Bank	0.25%	$10,000	-	Learn More Reviews
Zavala County Bank	0.25%	$100,000	-	Learn More Reviews
Fort Hood National Bank	0.25%	$10,000	-	Learn More Reviews
International Bank Of Commerce	0.25%	$10,000	-	Learn More Reviews
Happy State Bank	0.21%	$10,000	-	Learn More Reviews
Southside Bank	0.21%	$100,000	-	Learn More Reviews
American Momentum Bank	0.20%	$10,000	-	Learn More Reviews
Capital One, National Association	0.20%	$10,000	-	Learn More Reviews (12)
Citizens State Bank	0.20%	$10,000	-	Learn More Reviews
First National Bank Of Alvin	0.20%	$10,000	-	Learn More Reviews
Firstbank Southwest	0.20%	$10,000	-	Learn More Reviews
Guadalupe Bank	0.20%	$10,000	-	Learn More Reviews (2)
Security State Bank	0.20%	$10,000	-	Learn More Reviews (2)
Texas Financial Bank	0.20%	$100,000	-	Learn More Reviews
The First National Bank Of Eagle Lake	0.20%	$10,000	-	Learn More Reviews
The First National Bank Of Mertzon	0.20%	$10,000	-	Learn More Reviews
The First National Bank Of Stanton	0.20%	$10,000	-	Learn More Reviews
Frost Bank	0.20%	$10,000	-	Learn More Reviews
The National Bank Of Andrews	0.20%	$10,000	-	Learn More Reviews
Snb Bank, National Association	0.20%	$10,000	-	Learn More Reviews
Zavala County Bank	0.20%	$10,000	-	Learn More Reviews
The First National Bank Of Tahoka	0.20%	$1,000	-	Learn More Reviews
Southwest Bank	0.18%	$10,000	-	Learn More Reviews
Southside Bank	0.16%	$10,000	-	Learn More Reviews
Capital Bank Of Texas	0.15%	$1,000	-	Learn More Reviews
First Financial Bank, National Association	0.15%	$10,000	-	Learn More Reviews
First National Bank In Port Lavaca	0.15%	$10,000	-	Learn More Reviews
First National Bank Of Omaha	0.15%	$10,000	-	Learn More Reviews
First United Bank And Trust Company	0.15%	$10,000	-	Learn More Reviews
Lakeside Bank	0.15%	$100,000	-	Learn More Reviews
Tejas Bank	0.15%	$10,000	-	Learn More Reviews
Texas State Bank	0.15%	$1,000	-	Learn More Reviews
The Brenham National Bank	0.15%	$10,000	-	Learn More Reviews
Texas Financial Bank	0.15%	$10,000	-	Learn More Reviews
The National Bank Of Texas At Fort Worth	0.15%	$10,000	-	Learn More Reviews
Transpecos Banks, Ssb	0.15%	$10,000	-	Learn More Reviews
Valliance Bank	0.15%	$10,000	-	Learn More Reviews
Wells Fargo Bank, National Association	0.15%	$10,000	-	Learn More Reviews (4)
Western Heritage Bank	0.15%	$10,000	-	Learn More Reviews (1)
Woodforest National Bank	0.15%	$10,000	-	Learn More Reviews (2)
Bokf, National Association	0.10%	$100,000	-	Learn More Reviews (1)
Truist Bank	0.10%	$10,000	-	Learn More Reviews (4)
Broadway National Bank	0.10%	$10,000	-	Learn More Reviews
Comerica Bank	0.10%	$10,000	-	Learn More Reviews (1)
East West Bank	0.10%	$10,000	-	Learn More Reviews (1)
Falcon International Bank	0.10%	$1,000	-	Learn More Reviews (1)
Anthem Bank & Trust	0.10%	$10,000	-	Learn More Reviews
First State Bank	0.10%	$10,000	-	Learn More Reviews
Hancock Whitney Bank	0.10%	$10,000	-	Learn More Reviews (1)
Lakeside Bank	0.10%	$10,000	-	Learn More Reviews
Regions Bank	0.10%	$10,000	-	Learn More Reviews
The Northern Trust Company	0.10%	$10,000	-	Learn More Reviews
Valuebank Texas	0.10%	$10,000	-	Learn More Reviews
First State Bank	0.06%	$10,000	-	Learn More Reviews
Bokf, National Association	0.05%	$10,000	-	Learn More Reviews (1)
Communitybank Of Texas, N.a.	0.05%	$10,000	-	Learn More Reviews
Jpmorgan Chase Bank, National Association	0.05%	$10,000	-	Learn More Reviews (12)
Texas Community Bank	0.05%	$10,000	-	Learn More Reviews
Wells Fargo Bank, National Association	0.05%	$10,000	-	Learn More Reviews (4)
Zions Bancorporation, N.a.	0.04%	$100,000	-	Learn More Reviews
Zions Bancorporation, N.a.	0.03%	$10,000	-	Learn More Reviews
First-citizens Bank & Trust Company	0.01%	$10,000	-	Learn More Reviews (2)
Jpmorgan Chase Bank, National Association	0.01%	$10,000	-	Learn More Reviews (12)
Citizens National Bank Of Texas	0.00%	$10,000	-	Learn More Reviews

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2021

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, 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.