Best CD Rates in Houston
Locally available certificate rates verified directly from official institution websites.
Compare more than the APY
The highest number is useful, but eligibility, deposit minimums, and the maturity process matter too.
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Check the minimum
A strong rate may require a larger opening balance than another offer.
Know the renewal window
Record the maturity date and grace period so the CD does not renew by surprise.
Current Rates in Houston
Last verified: September 9, 2026
| Institution | Account | Term | APY | Minimum | Source |
|---|---|---|---|---|---|
| Houston Federal Credit Union Eligible Houston Federal Credit Union members | 12–17 Month Share Certificate CD | 12 months | 3.85% | $500 | Official rate |
| TDECU Eligible TDECU members | 12-Month Certificate CD | 12 months | 3.75% | $100 | Official rate |
| PrimeWay Federal Credit Union Eligible PrimeWay members | 12-Month Certificate CD | 12 months | 3.65% | $1,000 | Official rate |
Rates may change without notice. Confirm all terms and eligibility directly with the financial institution.
Verified from official sources
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Rates may change without notice. Confirm all terms, eligibility, early-withdrawal penalties, and renewal policies directly with the institution before opening an account.