Texas

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Houston, Texas CD Rates

You are viewing rates from banks across Houston

 

Below are the best one-year CD Rates from banks in Houston, 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.

Houston, TX - July 6, 2025

1 Year CD National Average : 0.55% ?

Banks APY MIN MILES ?

Rate History: 4.75% → 5.25%

| Aug 30, 2023

Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More

| Jun 22, 2023

I have been with The Mint Ntl Bank for going on the 3rd yr. They have always taken care of my CD investment and changes that come after the maturity (yearly) date. I highly recommend them! Read More

Rate History: 1.70% → 3.00% → 2.75% → 2.50% → 4.25%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 5.00% → 4.10%

| Aug 26, 2023

I have no issues with Bask Bank nor Texas Capital Bank. They provide good apy on savings and CD's, bank to keep funds secured so yes they do have strict security measures but if you don't like it than go ... Read More

| May 3, 2016

Houston, Tx. Branches Read More

Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05%

Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 4.70% → 4.65% → 4.50% → 4.20% → 3.79%

| Dec 3, 2019

Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More

Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75%

| Jul 28, 2022

Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More

| May 21, 2021

this bank is pooooooooooooooooooop Read More

Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

Rate History: 4.76% → 3.05%

Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 4.25% → 3.00%

| Oct 18, 2016

IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More

Rate History: 1.00% → 2.00%

0.90%

$10,000

19.07

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0.75%

$10,000

18.94

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0.70%

$100,000

10.97

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0.65%

$100,000

14.12

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0.65%

$100,000

17.22

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0.65%

$100,000

21.60

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0.63%

$100,000

17.76

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| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

0.60%

$10,000

17.22

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0.58%

$10,000

17.76

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0.55%

$10,000

21.60

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0.50%

$5,000

16.86

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0.50%

$10,000

13.46

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0.50%

$10,000

14.12

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0.50%

$100,000

18.44

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0.50%

$100,000

18.27

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0.50%

$10,000

10.97

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0.45%

$10,000

18.44

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0.45%

$1,000

20.31

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| Jan 23, 2021

This is the WORST bank ever!! We had a substantial amount of money taken from our accounts. When we first discovered it, we immediately met with Sue Hearn, VP in The Woodlands. Her first reaction was to ... Read More

0.40%

$10,000

6.43

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| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

0.40%

$100,000

9.46

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0.35%

$100,000

20.39

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| Sep 7, 2023

Went to Stellar bank off Bay Area yesterday 8/6/23. I was 1 minute late, but a gentleman let me in and instructed me to a lady to my left. Unfortunately, the ONLY words to me that she said was "just to let... Read More

| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

0.30%

$10,000

9.46

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0.25%

$10,000

17.07

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0.25%

$10,000

20.39

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| Nov 26, 2019

They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More

0.25%

$10,000

8.84

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0.25%

$10,000

18.27

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0.25%

$10,000

15.96

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0.25%

$10,000

11.89

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| May 29, 2020

Dua Read More

| Sep 12, 2023

Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More

| Mar 15, 2023

Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More

| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

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

Branches Info around Houston, TX - July 6, 2025


Branch Street City State
Amerant Bank, Formerly Mercantil Bank
Fm 1960 West Branch
12145 Fm 1960 Road West Houston TX
The MINT National Bank
The Mint National Bank Branch
1213 Kingwood Drive Kingwood TX
Frost Bank
Sugarland Banking Center Branch
620 Highway 6 Sugar Land TX
Woodforest National Bank
0409 Copperfield Wal-Mart Branch
15955 Fm 529 Houston TX
Texas Capital Bank
Houston Westway Ii Branch
4424 W Sam Houston Pkwy North, Suite 170 Houston TX
Frost Bank
Sugarland Banking Center Branch
620 Highway 6 Sugar Land TX
Plains State Bank
Plains State Bank Branch
3902 Fm 1960 West Houston TX
XD Bank
Houston Branch
2500 West Loop South, Suite 100 Houston TX
Capital One, National Association
Woodbridge Branch
11507 South Highway 6 Sugar Land TX
Bank of Hope
Houston Branch
10000 Harwin Drive Houston TX
Truist Bank
Sweetwater Boulevard Branch
4880 Sweetwater Blvd. Sugar Land TX
Lone Star Bank
Copperfield Office Branch
7630 Highway 6 North Houston TX
Bank of America, National Association
West Oaks Branch
2344 Highway 6 South Houston TX
First Financial Bank
Kingwood Branch
24080 Us Highway 50 North Kingwood TX
Zions Bank
Copperfield Branch
6611 Highway 6 North Houston TX
Citibank, National Association
Citibank, National Association Branch
333 Clay Street Suite 3750 Houston TX
Comerica Bank
Highway 6 Branch
6985 Highway 6 North Houston TX
Wells Fargo Bank South Central, National Association
Wells Fargo Bank South Central, National Association Branch
2005 Taylor Street Houston TX
Wells Fargo Bank South Central, National Association
Wells Fargo Bank South Central, National Association Branch
2005 Taylor Street Houston TX
UBank
Sugar Land Branch
16555 Southwest Freeway, Suite 100 Sugar Land TX
The Moody National Bank
Sugarland Banking Center Branch
7610 Highway 90a Sugar Land TX
HomeTown Bank, National Association
Pearland Branch
2651 Pearland Parkway Pearland TX
Hanmi Bank
Houston Spring Branch
1611 Gessner Drive Houston TX
American First National Bank
First Colony Branch
4915 Hwy 6 S Missouri City TX
Wallis Bank
Northwest Branch
12907 Fm 1960 Road W. Houston TX
Southwestern National Bank
Sugar Land Branch
3508 Highway 6 Sugar Land TX
Prosperity Bank
Highway 6 Branch
1070 Highway 6 South Houston TX
American First National Bank
First Colony Branch
4915 Hwy 6 S Missouri City TX
Southwestern National Bank
Sugar Land Branch
3508 Highway 6 Sugar Land TX
Wallis Bank
Northwest Branch
12907 Fm 1960 Road W. Houston TX
First State Bank
Manvel Branch
19323 Highway 6 Manvel TX
City Bank
Houston Branch
10080 Bellaire Blvd., Suite 101 Houston TX
Hanmi Bank
Houston Spring Branch
1611 Gessner Drive Houston TX
Golden Bank, National Association
Sugar Land Branch
2287 Highway 6 Sugar Land TX
International Bank of Commerce
Woodbridge - W. Bellfort Branch
10570 State Hwy. 6 Sugar Land TX
HomeTown Bank, National Association
Pearland Branch
2651 Pearland Parkway Pearland TX
Golden Bank, National Association
Sugar Land Branch
2287 Highway 6 Sugar Land TX
Citizens Bank
Humble Branch
8811 Fm 1960 Bypass Road W Humble TX
Texas First Bank
Houston Branch
1535 West Loop South, Suite 120 Houston TX
PlainsCapital Bank
Pcb Houston Mobile Branch
2525 Richmond Ave Houston TX
Prosperity Bank
Highway 6 Branch
1070 Highway 6 South Houston TX
Capital Bank
West Pearland Branch
8703 West Broadway, Suite 131 Pearland TX
First National Bank Texas
Heb - Bearcreek Banking Center - Rc Branch
4955 Hwy 6 N Houston TX
Stellar Bank
Eldridge Branch
2401 Eldridge Parkway, S Houston TX
Bank of Hope
Houston Branch
10000 Harwin Drive Houston TX
Cathay Bank
Houston Branch
9440 Bellaire Boulevard, Suite 118 Houston TX
Prosperity Bank
Highway 6 Branch
1070 Highway 6 South Houston TX
Capital Bank
West Pearland Branch
8703 West Broadway, Suite 131 Pearland TX
NewFirst National Bank
Sugar Land Branch
50 Sugar Creek Center Blvd. Ste. 100 Sugar Land TX
First National Bank Texas
Heb - Bearcreek Banking Center - Rc Branch
4955 Hwy 6 N Houston TX
Origin Bank
Memorial Branch
12600 Memorial Drive Houston TX
Veritex Community Bank
Houston Branch
5111 San Felipe Houston TX
International Bank of Commerce
Woodbridge - W. Bellfort Branch
10570 State Hwy. 6 Sugar Land TX
Central Bank
Central Bank Branch
11201 Clay Road Houston TX
Texas Gulf Bank, National Association
Citycentre Branch
900 Town & Country Lane Houston TX
BOKF, National Association
Sweetwater Branch
4555 Sweetwater Boulevard Sugar Land TX
Bank OZK
Westchase Branch
10565 Richmond Avenue Houston TX
Comerica Bank
Highway 6 Branch
6985 Highway 6 North Houston TX
East West Bank
William Trace Branch
15144 Southwest Freeway Sugar Land TX
Regions Bank
Cypress Branch
12100 Huffmeister Cypress TX
Regions Bank
Cypress Branch
12100 Huffmeister Cypress TX
First-Citizens Bank & Trust Company
Galleria Branch
5002-C Westheimer Road Houston TX


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 2025

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.

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