Texas

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Texas CD Rates – 3-Year

You are viewing rates from banks across Texas

 

Below are three-year CD Rates from banks in Texas. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

TX - November 4, 2024

3 Year CD National Average : 0.75% ?

Banks APY MIN MILES ?

| Aug 20, 2019

Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More

Rate History: 4.25% → 4.00% → 4.25%

| 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: 4.00% → 4.10%

| Mar 25, 2020

I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More

Rate History: 2.75% → 2.75% → 4.00% → 4.75% → 4.00%

| 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

3.98%

$1,000

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3.90%

$1,000

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Rate History: 4.00% → 3.90% → 3.85%

Rate History: 4.07% → 3.71%

Rate History: 4.10% → 4.00% → 3.75% → 3.60%

| 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: 3.70% → 3.55% → 3.75% → 3.45%

| 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: 1.00% → 2.47% → 3.14%

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

| Mar 20, 2016

Good solid bank. Read More

Rate History: 3.60% → 3.00%

Rate History: 3.00% → 2.75%

Rate History: 2.75% → 2.55%

| 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

Rate History: 3.05% → 2.53%

Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

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

| 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: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 2.05% → 1.55%

| May 29, 2020

Dua Read More

1.50%

$10,000

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1.41%

$100,000

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Rate History: 1.00% → 1.40%

| Nov 17, 2020

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

1.38%

$100,000

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1.35%

$10,000

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1.31%

$10,000

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1.30%

$10,000

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1.26%

$10,000

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1.25%

$10,000

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| Mar 19, 2021

... Read More

1.25%

$100,000

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1.21%

$10,000

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1.21%

$100,000

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1.21%

$1,000

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1.21%

$100,000

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1.20%

$100,000

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1.20%

$10,000

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1.16%

$90,000

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1.16%

$100,000

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| Dec 1, 2020

This Bank and Bank of Brenham were great to deal with. Just a little drive out to the country and definitely worth it. Read More

1.16%

$10,000

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1.16%

$100,000

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1.16%

$10,000

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| May 3, 2016

Branchs locations, Houston, Tx. Read More

1.16%

$100,000

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| Jun 25, 2016

Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More

| Dec 1, 2020

Worth the drive out to the country! Read More

1.16%

$100,000

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1.15%

$100,000

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1.15%

$100,000

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1.15%

$10,000

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1.15%

$100,000

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1.15%

$10,000

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1.13%

$10,000

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1.12%

$10,000

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1.11%

$10,000

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| Mar 24, 2022

I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More

1.11%

$10,000

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1.10%

$10,000

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1.10%

$10,000

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1.10%

$10,000

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1.10%

$10,000

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1.10%

$10,000

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1.10%

$100,000

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1.10%

$10,000

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1.10%

$10,000

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1.10%

$10,000

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| Oct 22, 2021

TrustTexas Bank was founded in 1921. Read More

1.10%

$100,000

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1.10%

$10,000

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1.10%

$10,000

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1.07%

$100,000

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1.06%

$500

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| Dec 1, 2020

This Bank and Bank of Brenham were great to deal with. Just a little drive out to the country and definitely worth it. Read More

| May 3, 2016

Branchs locations, Houston, Tx. Read More

1.06%

$10,000

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| Jun 25, 2016

Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More

| Dec 1, 2020

Worth the drive out to the country! Read More

1.06%

$10,000

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1.05%

$1,000

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1.05%

$10,000

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1.05%

$10,000

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1.05%

$100,000

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1.05%

$10,000

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| Oct 22, 2021

TrustTexas Bank was founded in 1921. Read More

1.01%

$10,000

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1.01%

$100,000

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1.00%

$10,000

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1.00%

$1,000

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1.00%

$100,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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| Aug 4, 2022

Great CD rates & service Read More

1.00%

$10,000

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1.00%

$10,000

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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

1.00%

$10,000

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1.00%

$100,000

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1.00%

$10,000

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Rate History: 3.51% → 1.00% → 3.51% → 1.00%

| May 19, 2018

Experience Read More

1.00%

$1,000

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0.95%

$1,000

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0.95%

$10,000

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0.95%

$100,000

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0.95%

$10,000

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0.95%

$100,000

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0.95%

$10,000

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0.95%

$1,000

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0.95%

$1,000

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0.95%

$100,000

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0.95%

$10,000

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0.93%

$100,000

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0.91%

$100,000

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0.90%

$1,000

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0.90%

$100,000

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0.90%

$1,000

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0.90%

$500

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0.90%

$5,000

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0.90%

$500

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$100,000

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0.90%

$1,000

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0.90%

$100,000

-

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| Aug 12, 2021

Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More

0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.85%

$10,000

-

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0.85%

$10,000

-

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0.85%

$1,000

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0.85%

$10,000

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0.85%

$10,000

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0.85%

$10,000

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0.85%

$10,000

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0.85%

$100,000

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0.85%

$100,000

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0.85%

$10,000

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0.85%

$10,000

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0.83%

$100,000

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0.83%

$10,000

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0.81%

$100,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

-

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| Jan 8, 2024

Awful, rude unprofessional! Beware Read More

0.80%

$10,000

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0.80%

$10,000

-

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0.80%

$10,000

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0.80%

$10,000

-

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0.80%

$10,000

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0.80%

$100,000

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0.80%

$10,000

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0.77%

$2,500

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0.76%

$10,000

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0.75%

$10,000

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0.75%

$1,000

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| Feb 17, 2022

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

0.75%

$10,000

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0.75%

$10,000

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0.75%

$100,000

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0.75%

$10,000

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| Nov 7, 2018

now pays 1.46% Read More

0.75%

$100,000

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0.75%

$10,000

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| Feb 6, 2023

Lindale Community Bank with employees that care. Read More

0.75%

$10,000

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0.75%

$100,000

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0.75%

$100,000

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| Mar 6, 2021

You guys have four “ Lobby Open “ signs outside on each corner of the bank .I’m new and do not know your lobby hours yet so I depended on the four “ Lobby Open “signs . I was dropped off there i... Read More

0.75%

$100,000

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0.75%

$100,000

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0.75%

$10,000

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0.75%

$100,000

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0.75%

$100,000

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0.75%

$100,000

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0.73%

$1,000

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0.70%

$1,000

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0.70%

$10,000

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0.70%

$100,000

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0.70%

$10,000

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0.70%

$100,000

-

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| Jul 1, 2021

What day of the month do you report to the credit bureaus Read More

0.70%

$100,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

-

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0.70%

$10,000

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0.70%

$10,000

-

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| Mar 6, 2021

You guys have four “ Lobby Open “ signs outside on each corner of the bank .I’m new and do not know your lobby hours yet so I depended on the four “ Lobby Open “signs . I was dropped off there i... Read More

| 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

0.70%

$100,000

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0.70%

$10,000

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0.70%

$100,000

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0.70%

$100,000

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0.69%

$10,000

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0.65%

$100,000

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0.65%

$100,000

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0.65%

$100,000

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0.65%

$10,000

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0.65%

$1,000

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0.65%

$10,000

-

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| Feb 17, 2022

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

| Jan 26, 2022

You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More

| Jan 29, 2019

The Bank does not have this product. Read More

0.65%

$10,000

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0.65%

$10,000

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| Jun 28, 2017

showmefivethousanddollars Read More

| 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

| Mar 10, 2021

when and what is cost Read More

0.65%

$10,000

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0.60%

$10,000

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0.60%

$100,000

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0.60%

$1,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$5,000

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0.60%

$10,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$100,000

-

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| Aug 12, 2021

Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More

0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$100,000

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0.60%

$10,000

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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

0.60%

$100,000

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0.60%

$100,000

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0.60%

$10,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$1,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$10,000

-

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| 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

0.55%

$10,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$100,000

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0.55%

$100,000

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0.55%

$10,000

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0.54%

$10,000

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| May 21, 2021

this bank is pooooooooooooooooooop Read More

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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| Mar 6, 2021

My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More

0.50%

$1,000

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0.50%

$1,000

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0.50%

$1,000

-

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0.50%

$1,000

-

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| Sep 30, 2015

Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

-

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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$250

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0.50%

$10,000

-

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.50%

$10,000

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0.50%

$100,000

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$2,500

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| 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

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

-

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| Jan 26, 2022

You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More

0.45%

$100,000

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0.45%

$10,000

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| Feb 17, 2022

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

0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.40%

$10,000

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0.40%

$95,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.38%

$10,000

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0.35%

$10,000

-

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| 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

0.35%

$1,000

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0.35%

$2,500

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| Aug 7, 2021

Worst banking institution I have ever dealt with. Three months to provide payment coupons and return envelopes. Into second year of erroneously instituted property tax and insurance coverage escrow failur... Read More

| Mar 16, 2020

What is the current 30 year mortgage rate? Read More

0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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| Mar 29, 2020

have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More

0.30%

$10,000

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0.26%

$10,000

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| 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

| Jun 1, 2020

UMB does not honor the rate posted here! Read More

| 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

| Mar 10, 2021

I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More

0.25%

$10,000

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0.25%

$100,000

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| 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

0.25%

$100,000

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| Sep 28, 2016

After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More

0.20%

$10,000

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0.20%

$10,000

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| 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

| 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

0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

| Dec 30, 2018

Garden14 Read More

0.10%

$10,000

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0.06%

$1,000

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Rate History: 0.03% → 0.05%

| 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

Rate History: 0.02% → 0.05%

| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

0.05%

$10,000

-

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| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

| 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

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

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

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

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.

SAVINGS & CD CALCULATOR

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

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