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You are viewing rates from banks across Schertz
Below are the best one-year CD Rates from banks in Schertz, 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.
Schertz, TX - July 16, 2025
1 Year CD National Average : 0.55% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.55% 4.08% |
$100,000 $1,000 |
18.41 |
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4.10% |
$1,000 |
13.56 |
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Rate History: 5.00% → 4.10% |
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6CellBattery | 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 |
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4.00% |
$0 |
18.16 |
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Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00% |
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highstream | 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 |
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3.75% |
$1,000 |
15.41 |
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Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75% |
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Customer | 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 |
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3.25% |
$100,000 |
19.73 |
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Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25% |
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Treasure | 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 |
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3.05% |
$1,000 |
22.09 |
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Rate History: 4.76% → 3.05% |
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3.00% 0.10% |
$2,500 $1 |
12.49 |
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Rate History: 4.25% → 3.00% |
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Cory,Baldwin | 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 |
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2.50% |
$500 |
19.33 |
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Rate History: 3.00% → 2.75% → 2.50% → 4.25% → 2.50% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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2.05% |
$1,000 |
15.80 |
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Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05% |
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RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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2.00% |
$10,000 |
21.13 |
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Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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2.00% |
$25,000 |
21.07 |
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Rate History: 2.00% → 1.50% → 3.25% → 2.00% |
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Thy King | Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More |
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1.01% |
$100,000 |
14.76 |
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CFO | Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More |
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1.00% |
$90,000 |
11.49 |
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0.90% |
$10,000 |
4.69 |
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0.90% |
$100,000 |
7.17 |
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0.90% |
$10,000 |
14.76 |
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CFO | Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More |
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0.75% |
$500 |
11.49 |
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0.70% |
$10,000 |
10.36 |
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0.70% |
$10,000 |
7.17 |
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0.65% |
$100,000 |
11.33 |
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0.60% |
$100,000 |
10.63 |
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.55% |
$100,000 |
17.55 |
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FEE free now | Sep 3, 2021 I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More |
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0.55% |
$10,000 |
11.33 |
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0.50% |
$10,000 |
17.55 |
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FEE free now | Sep 3, 2021 I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More |
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0.50% |
$100,000 |
14.16 |
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0.50% |
$100,000 |
18.08 |
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0.50% |
$10,000 |
12.80 |
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0.50% |
$10,000 |
10.66 |
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0.40% |
$500 |
14.16 |
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0.40% |
$10,000 |
15.21 |
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0.40% |
$10,000 |
10.63 |
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.40% |
$10,000 |
11.45 |
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charles gregory | Dec 14, 2018 I stayed with Vantage bank when they merged with DHanis bank because of the excellent service there . That remained excellent till you change the ability to deal locally. At the beginning of this review I ... Read More |
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0.40% |
$100,000 |
14.76 |
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0.35% |
$100,000 |
21.48 |
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0.35% |
$100,000 |
16.58 |
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0.35% |
$100,000 |
19.21 |
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0.35% |
$1,000 |
16.01 |
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RICSHA | Sep 8, 2021 Just moved to south Texas from Oregon, and needed to open a local checking account. I liked the name, Lone Star National Bank so decided to give them a try; and am so glad that I did. Went to the lobby b... Read More |
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0.30% |
$10,000 |
21.48 |
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0.30% |
$10,000 |
10.63 |
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.30% |
$10,000 |
19.21 |
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0.30% |
$1,000 |
14.76 |
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0.25% |
$10,000 |
16.58 |
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0.25% |
$10,000 |
18.08 |
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0.25% |
$10,000 |
22.92 |
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Olin | Sep 27, 2023 They take excellent care of their customers. Wish they had more branches. I appreciate they are so involved in their respective communities. Read More |
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0.15% |
$10,000 |
17.56 |
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0.12% |
$1,000 |
11.77 |
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HB | 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 |
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0.10% |
$1,000 |
11.99 |
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Ramiro Saucedo | Oct 7, 2019 Just recently had the pleasure of doing a finance of some rental units. Mr. Hale and his staff were very professional and efficient in this process. I highly recommend them to anyone in our community. Read More |
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0.10% |
$10,000 |
20.74 |
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Traci Mitchell | Jul 3, 2024 have been a customer of Broadway National Bank's Wealth Management Division for over 30 years (since 1990), but my recent experiences have been deeply troubling. Following the retirement of my previous tru... Read More |
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0.05% |
$10,000 |
12.97 |
Learn More
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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.
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.
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.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates