Below are the highest yielding CD (certificate of deposit) rates available to the residents of Houston, Texas. These come in the form of 6 month CDs, 12 month CDs and 24 month CDs. After sorting through dozens of rate pages by local community banks and credit unions serving the city of Houston as well as the state of Texas, we found that for the most part, you will be able to receive slightly better rates with local institutions than with national ones.

Keep in mind interest rates are time-sensitive in nature, so you will want to refer to the date of this article for accuracy. To get the most CD current rates from national banks, compare CD rates nationwide. 

How did we compile this list? As you are probably aware, higher CD rates tend to accompany longer maturities and since we did not want to strictly list long maturity CD’s we decided to list the deposit rates which beat the national average by the highest margins.

Best 6 month CD rates in Houston, Texas:

• People’s Trust Federal Credit Union has a promotional 5 month CD yielding a whopping 5.0% APY with a minimum (and maximum) deposit of $500. They have locations throughout Texas with branch locations serving the Houston area.
• Bank of Texas, National Association has a 6 month CD and a 10 month CD yielding 1.75% APY with a minimum deposit of $1000 required. They have branch locations in Houston.
• Gulf Coast Educators Federal Credit Union has a 6 month CD yielding 1.66% APY with a minimum deposit of $1000 required. They have locations in Houston as well as Pasadena, TX.

Best 12 month CD rates in Houston, Texas:

• People’s Trust Federal Credit Union has a 12 month CD yielding 2.06% APY with a minimum deposit of $10,000 required. 
• First National Bank (Houston location) has a 13 month CD yielding 2.0% APY with a minimum deposit of $1,000 required.
• You will find better rates for 12 month CD’s from national institutions rather than local ones.

Best 24 month CD rates in Houston, Texas:

• First National Bank (Houston location) has a 24 month CD yielding 2.68% APY with a minimum deposit of $1,000 required.
• Texas Citizens Bank (out of Pasadena, TX) has a 24 month CD yielding 2.50% APY with a minimum deposit of $1,000 required.
• Capital One, National Association (Houston location) has a 24 month CD yielding 2.25% APY with a minimum deposit of $1000 required.

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