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Texas CD Rates

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 - May 1, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
The First National Bank Of Bellville 1.36% $100,000 -
The First National Bank Of Bellville 1.31% $100,000 -
Fayetteville Bank 1.31% $100,000 -
Industry State Bank 1.31% $100,000 -
Bank Of Brenham, National Association 1.31% $100,000 -
Citizens State Bank 1.31% $100,000 -
The First National Bank Of Shiner 1.31% $100,000 -
Plains State Bank 1.26% $1,000 -
The First National Bank Of Bellville 1.26% $1 -
Triumph Savings Bank, Ssb 1.25% $1,000 -
Nexbank, Ssb 1.25% $10,000 -
Bank Of Brenham, National Association 1.21% $500 -
Fayetteville Bank 1.21% $500 -
The First National Bank Of Shiner 1.21% $1,000 -
Industry State Bank 1.21% $1,000 -
The First National Bank Of Bellville 1.21% $1,000 -
Citizens State Bank 1.21% $1,000 -
Compass Bank 1.15% $1 -
Spring Hill State Bank 1.10% $99,000 -
Bank Of South Texas 1.05% $1,000 -
Compass Bank 1.05% $500 -
Anthem Bank & Trust 1.01% $1,000 -
Round Top State Bank 1.01% $100,000 -
The Mint National Bank 1.00% $10,000 -
Lone Star Bank 1.00% $1,000 -
Spring Hill State Bank 1.00% $1,000 -
Pioneer Bank, Ssb 1.00% $1,000 -
Texas Bank Financial 1.00% $100,000 -
Bth Bank, National Association 1.00% $1,000 -
Interstate Bank, Ssb 1.00% $100,000 -
Golden Bank, National Association 1.00% $1,500 -
Citizens State Bank 0.95% $100,000 -
Austin County State Bank 0.95% $100,000 -
First-lockhart National Bank 0.95% $100,000 -
Austin County State Bank 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 -
Pioneer Bank, Ssb 0.85% $1,000 -
Lone Star State Bank Of West Texas 0.85% $1,000 -
Citizens State Bank 0.85% $1,000 -
Interstate Bank, Ssb 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 -
First-lockhart National Bank 0.85% $1,000 -
Farmers Bank & Trust Company 0.85% $500 -
United Texas Bank 0.81% $1,000 -
R Bank 0.81% $1,000 -
Wilshire Bank 0.80% $1,000 -
Wellington State Bank 0.80% $100,000 -
Brush Country Bank 0.80% $100,000 -
The Chasewood Bank 0.80% $1,000 -
Commercial State Bank 0.80% $100,000 -
Wallis State Bank 0.80% $100,000 -
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 -
Firstcapital Bank Of Texas, National Association 0.75% $500 -
First State Bank 0.75% $10,000 -
Veritex Community Bank 0.75% $1,000 -
Commercial State Bank 0.75% $1,000 -
Wallis State Bank 0.75% $2,500 -
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 -
American Bank Of Commerce 0.71% $1,000 -
Usaa Federal Savings Bank 0.71% $1,000 -
Enloe State Bank 0.70% $1,000 -
Security Bank Of Crawford 0.70% $1,000 -
First State Bank Of Burnet 0.70% $95,000 -
Trusttexas Bank, Ssb 0.70% $100,000 -
Henderson Federal Savings Bank 0.70% $90,000 -
Synergy Bank, S.s.b. 0.70% $1,000 -
Citizens Bank 0.70% $100,000 -
Westbound Bank 0.70% $1,000 -
The Citizens National Bank Of Hillsboro 0.70% $1,000 -
Heritage Bank 0.70% $1,000 -
City Bank 0.70% $1,000 -
Accessbank Texas 0.70% $1,000 -
Providence Bank Of Texas, Ssb 0.70% $100,000 -
Beal Bank, Ssb 0.66% $1,000 -
Preferred Bank 0.65% $1,000 -
The First National Bank Of Winnsboro 0.65% $100,000 -
State Bank Of Texas 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 -
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 -
Southstar Bank, S.s.b. 0.65% $100,000 -
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 -
Fayette Savings Bank, Ssb 0.65% $2,500 -
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 -
The First National Bank Of Mount Vernon 0.65% $1,000 -
Peoples Bank 0.64% $2,500 -
Texas Heritage National Bank 0.61% $1,000 -
Allegiance Bank Texas 0.60% $1,000 -
Security State Bank 0.60% $100,000 -
The First National Bank Of Winnsboro 0.60% $1,000 -
Southstar Bank, S.s.b. 0.60% $10,000 -
First State Bank 0.60% $100,000 -
American First National Bank 0.60% $10,000 -
Green Bank, National Association 0.60% $1,000 -
Cathay Bank 0.60% $100,000 -
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 -
Henderson Federal Savings Bank 0.60% $500 -
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 -
Peoples Bank 0.60% $2,500 -
Heritage Bank 0.60% $1,000 -
Frontier Bank Of Texas 0.60% $1,000 -
Community Bank & Trust, Waco, Texas 0.60% $500 -
Integrity Bank, Ssb 0.60% $1,000 -
Wellington State Bank 0.60% $1,000 -
Classic Bank, National Association 0.60% $100,000 -
First National Bank Of Hereford 0.60% $1,000 -
Firstcapital Bank Of Texas, National Association 0.60% $500 -
Bridge City State Bank 0.60% $1,000 -
Charter Bank 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 -
Rio Bank 0.57% $2,500 -
Vantage Bank Texas 0.55% $100,000 -
Platinum Bank 0.55% $1,000 -
Texstar National Bank 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 -
Cendera Bank, National Association 0.55% $500 -
Citizens Bank 0.55% $4,000 -
First United Bank 0.55% $100,000 -
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 -
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 -
Classic Bank, National Association 0.55% $2,500 -
The Buckholts State Bank 0.55% $100,000 -
Bank Of Commerce 0.53% $1,000 -
The First National Bank Of Beeville 0.52% $10,000 -
Security State Bank 0.50% $500 -
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 -
Texas Citizens Bank, National Association 0.50% $100 -
Lone Star Capital Bank, National Association 0.50% $100,000 -
Aimbank 0.50% $1,000 -
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 -
Texas Bank 0.50% $500 -
First National Bank Of Huntsville 0.50% $1,000 -
First State Bank 0.50% $1,000 -
First State Bank Of San Diego 0.50% $100,000 -
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 -
The Hondo National 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 -
Woodhaven National 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, National Association 0.50% $1,000 -
First Community Bank 0.50% $1,000 -
International Bank Of Commerce 0.50% $100,000 -
Texas Champion Bank 0.50% $1,000 -
First State Bank Of Uvalde 0.50% $100,000 -
Lone Star State Bank Of West Texas 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 -
Firstcapital Bank Of Texas, National Association 0.50% $500 -
Schertz Bank & Trust 0.50% $100,000 -
Prosper Bank 0.50% $1,000 -
Citizens State Bank 0.50% $100,000 -
Burton State Bank 0.50% $1 -
The Liberty National Bank In Paris 0.50% $1,000 -
The Comanche National Bank 0.50% $1,000 -
The First National Bank Of Paducah 0.50% $100,000 -
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 -
Happy State Bank 0.50% $100,000 -
Zavala County Bank 0.50% $95,000 -
Carmine State Bank 0.50% $500 -
Greater State Bank 0.50% $100,000 -
First Bank Texas, Ssb 0.50% $1,000 -
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 -
Texas Regional Bank 0.46% $100,000 -
Legend Bank, N.a. 0.45% $1,000 -
First National Bank In Dalhart 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 -
Classic Bank, National Association 0.45% $2,500 -
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 -
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 Texas, Ssb 0.45% $1,000 -
First Bank & Trust 0.45% $1,000 -
Western Bank 0.45% $500 -
First United Bank 0.45% $1,000 -
First National Bank 0.45% $100,000 -
First National Bank Of Jasper 0.45% $1,000 -
Hill Bank & Trust Co. 0.45% $1,000 -
Liberty Bank 0.45% $1,000 -
American State Bank 0.45% $1,000 -
The Buckholts State Bank 0.45% $1,000 -
Central National 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 -
Northstar Bank Of Texas 0.45% $1,000 -
The Santa Anna National Bank 0.45% $1,000 -
Tejas Bank 0.45% $100,000 -
Firstbank Southwest 0.45% $100,000 -
Citizens State Bank 0.45% $1,000 -
Washington Federal, National Association 0.45% $90,000 -
Herring Bank 0.45% $1,000 -
Weststar Bank 0.42% $100,000 -
Mills County State Bank 0.42% $1,000 -
Capital Bank, Ssb 0.42% $100,000 -
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 -
Fannin 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 -
Happy State Bank 0.40% $1,000 -
First State Bank Of San Diego 0.40% $10,000 -
Kilgore National Bank 0.40% $1,000 -
The First National Bank In Cooper 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 -
Sage Capital Bank, National Association 0.40% $90,000 -
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 -
American Bank Of Texas 0.40% $25,000 -
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 -
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 -
Woodhaven National 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 -
Community Trust Bank 0.40% $500 -
Schertz Bank & Trust 0.40% $1,000 -
Greater State Bank 0.40% $1,000 -
The Waggoner National Bank Of Vernon 0.40% $1,000 -
First State Bank And Trust Company 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 Gulf Bank, National Association 0.40% $2,500 -
Washington Federal, National Association 0.40% $1,000 -
The First National Bank Of Quitaque 0.40% $1,000 -
Tejas Bank 0.40% $1,000 -
The First National Bank Of Paducah 0.40% $500 -
Citizens 1st Bank 0.39% $100,000 -
Capital Bank, Ssb 0.39% $1,000 -
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 -
Citizens 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 -
First Savings Bank 0.35% $10,000 -
Worthington National Bank 0.35% $1,000 -
The First National Bank Of Trenton 0.35% $1,000 -
Crowell State Bank 0.35% $500 -
First Capital Bank 0.35% $1,000 -
First National Bank And Trust Company Of Weatherford 0.35% $1,000 -
American Bank Of Texas 0.35% $10,000 -
Hometown Bank, National Association 0.35% $1,000 -
Centennial Bank 0.35% $50,000 -
Security State Bank & Trust 0.35% $100,000 -
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 -
Capital Bank Of Texas 0.35% $1,000 -
Independent Bank 0.35% $1,000 -
Union State Bank 0.35% $1,000 -
First National Bank 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 -
First National Bank Texas 0.31% $50,000 -
Grand Bank Of Texas 0.30% $1,000 -
The Lytle State Bank Of Lytle, Texas 0.30% $500 -
First National Bank Of Lake Jackson 0.30% $1,000 -
Huntington State Bank 0.30% $100,000 -
First State Bank And Trust Company 0.30% $1,000 -
Preston National Bank 0.30% $1,000 -
Texas Community Bank 0.30% $100,000 -
Texas Star Bank 0.30% $1,000 -
Lone Star State Bank Of West Texas 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, National Association 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 -
The National Bank Of Andrews 0.30% $1,000 -
East West Bank 0.30% $10,000 -
Commercial State Bank 0.30% $100,000 -
First State Bank Central Texas 0.30% $100,000 -
The National Bank Of Texas At Fort Worth 0.30% $100,000 -
Grapeland State Bank 0.30% $1,000 -
Wellington State Bank 0.30% $1,000 -
The Roscoe State Bank 0.30% $1,000 -
The Fort Sill National Bank 0.30% $500 -
Security Bank 0.30% $50,000 -
Southside Bank 0.30% $1,000 -
Texas Bank Financial 0.30% $10,000 -
Lakeside National Bank 0.26% $2,500 -
First National Bank Texas 0.26% $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 National Bank Of Granbury 0.25% $1,000 -
First State Bank Central Texas 0.25% $1,000 -
The First State Bank 0.25% $1,000 -
The American National Bank Of Texas 0.25% $100,000 -
Firstbank Southwest 0.25% $2,500 -
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 -
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 -
The First National Bank Of Emory 0.25% $1,000 -
The Donley County State Bank 0.25% $1,000 -
North Dallas Bank & Trust Co. 0.25% $1,000 -
Fidelity Bank 0.25% $1,000 -
Texas Community Bank 0.25% $1,000 -
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 -
Pioneer Bank 0.25% $1,000 -
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 -
Bokf, National Association 0.20% $100,000 -
Sovereign Bank 0.20% $1,000 -
The First National Bank Of Eagle Lake 0.20% $2,500 -
Security State Bank & Trust 0.20% $500 -
Texas First Bank 0.20% $1,000 -
Transpecos Banks 0.20% $1,000 -
Jefferson Bank 0.20% $1,000 -
Cadence Bank, N.a. 0.20% $500 -
The National Bank Of Texas At Fort Worth 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 -
Justin State Bank 0.20% $500 -
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 0.20% $500 -
Southwest Bank 0.18% $10,000 -
Bank Of The Ozarks 0.18% $1,000 -
The American National Bank Of Texas 0.17% $1,000 -
Bokf, National Association 0.15% $1,000 -
Haskell National Bank 0.15% $500 -
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 -
The City National Bank Of Taylor 0.15% $10,000 -
Atascosa National Bank 0.15% $10,000 -
Umb Bank, National Association 0.15% $500 -
Capital One, National Association 0.15% $1,000 -
Bank Snb 0.15% $1,000 -
Woodforest National Bank 0.15% $500 -
The Brady National Bank 0.13% $10,000 -
Jourdanton State Bank 0.12% $1,000 -
American Bank, National Association 0.10% $1,000 -
First-citizens Bank & Trust Company 0.10% $10,000 -
Zions First National Bank 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 -
Extraco Banks, National Association 0.10% $1,000 -
Citizens Bank, National Association 0.10% $1,000 -
Security Bank 0.10% $3,000 -
Compass Bank 0.10% $1 -
Bank Of America, National Association 0.07% $10,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
Bank Of America, 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.

  • 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.

  • Brian

    December 30, 2015

    Where are the 60 month CD rates?

  • won't say

    November 05, 2015

    where are the local banks?

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Add Your Comment

 

Certificates of Deposit - Branch Banks

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.

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.

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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