Best CD Rates in Dallas, Texas

Pros:

• Superior Choice Credit Union offers some of the highest interest rates on savings accounts and certificates of deposit (CDs) in the area.
• Superior Choice Credit Union has no monthly maintenance fees on checking accounts and low fees on other products and services.
• Superior Choice Credit Union employees are known for their friendly and helpful service. They are always willing to go the extra mile to help members with their financial needs.
• Superior Choice Credit Union is committed to giving back to the community. It supports a variety of local charities and organizations.
• Superior Choice Credit Union has branches located throughout the area. It also offers online and mobile banking services.

Rules:

• The minimum balance required to open a CD account at Superior Choice Credit Union is $500.
• The term of a CD account is the length of time that you agree to keep your money invested. Superior Choice Credit Union offers CD terms ranging from 7 months to 60 months.
• There is an early withdrawal penalty if you withdraw your money from your CD account before the term ends. The early withdrawal penalty is 6 months’ interest on the amount withdrawn.
• There are no other fees associated with CD accounts at Superior Choice Credit Union.

Pros:

• Membership Savings Account
• NASA FCU offers a variety of checking accounts to meet the needs of its members. These accounts offer features such as free ATM usage, online bill pay, and overdraft protection.
• NASA FCU offers a variety of CDs with terms ranging from 7 months to 60 months. These CDs offer competitive interest rates and no early withdrawal penalties.
• NASA FCU offers a variety of loans to its members, including personal loans, auto loans, and home loans. These loans offer competitive interest rates and flexible terms.
• NASA FCU offers a variety of credit cards to its members. These cards offer rewards such as cash back, travel rewards, and points that can be redeemed for merchandise.

Rules:

• You must be a member of NASA Federal Credit Union to open a CD account.
• There is an early withdrawal penalty if you withdraw your money from your CD account before the term ends.
• The minimum balance required to open a CD account at NASA Federal Credit Union varies depending on the term of the account. For example, the minimum balance to open a 6-month CD is $1,000, while the minimum balance to open a 60-month CD is $10,000.
• The term of a CD account is the length of time that you agree to keep your money invested. NASA Federal Credit Union offers CD terms ranging from 6 months to 60 months.
• Some CD accounts have special requirements, such as a minimum deposit amount or a requirement to make monthly deposits.

Pros:

• Bellco Credit Union members have access to a variety of discounts and services, such as discounts on car rentals, hotels, and other travel expenses.
• This account offers competitive interest rates and no monthly maintenance fees.
• Bellco Credit Union offers free financial counseling to its members. This can help members develop a budget, save money, and achieve their financial goals.
• Bellco Credit Union is owned by its members. This means that the profits from the credit union are returned to the members in the form of lower interest rates, higher dividends, and other benefits.

Rules:

• You must be a member of Bellco Credit Union to open a CD account. You can become a member by meeting one of the eligibility requirements listed on the Bellco Credit Union website.
• Some CD accounts have special requirements, such as a minimum deposit amount or a requirement to make monthly deposits. Be sure to read the terms and conditions carefully before opening a CD account.
• You must meet certain requirements to earn the advertised APY. For example, you must make 15 debit card purchase transactions that post and clear in the statement month to earn the advertised APY on the 12-month CD.

Pros:

• Mountain America Credit Union offers competitive interest rates on its CDs.
• There are no monthly maintenance fees for Mountain America Credit Union CDs.
• Easy to open: You can open a Mountain America Credit Union CD online in just a few minutes.
• Mountain America Credit Union CDs are FDIC insured up to $250,000.
• Wide range of terms: Mountain America Credit Union offers a wide range of CD terms, from 3 months to 60 months.
• You can choose to add a rate bump option to your CD, which allows you to increase the interest rate once during the term of the CD.

Rules:

• To earn the advertised interest rate, you must keep your money in the CD until maturity.
• If you withdraw your money early, you may be subject to an early withdrawal penalty.
• The early withdrawal penalty is typically 6 months of interest on the amount you withdraw.

Pros:

• As a not-for-profit institution, Garden Savings is able to pass on its savings to its members in the form of lower interest rates on loans. This can be a significant savings, especially on large loans such as mortgages or car loans.
• Higher deposit rates:
• Free checking and savings accounts
• Convenient access to your money
• Member perks

Rules:

• $5 fee for out-of-network ATM transactions
• Some restrictions on who can join

Pros:

• Low interest rates on loans
• High-yield savings accounts
• Free checking accounts
• Convenient online banking
• Personalized service

Rules:

• The account must be opened with new money
• The account must be opened for the full term.
• The account must be in good standing. This means that the account must be free of overdrafts and other fees.
• The minimum opening deposit for a CD is $1,000.
• The interest rates on CDs are based on the term of the CD. The longer the term, the higher the interest rate.
• CD rates are subject to change at any time.

Pros:

Rules:

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.
• The Bread Savings website makes it easy for you to open a CD online.
• You can set up automatic transfers from your checking account to your CD.

Rules:

• There is a 180-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• High interest rates: Purdue Fed’s CD rates are among the best in the industry.
• No monthly fees: There are no monthly fees for Purdue Fed CDs.
• Early withdrawal penalty: The early withdrawal penalty for Purdue Fed CDs is 6 months’ interest if the CD is withdrawn within the first 12 months.
• Member perks: Purdue Fed members can earn points through My Member Perks, which can be redeemed for discounts on fees, higher CD rates, and other benefits.

Rules:

• The interest rate you earn on your CD will depend on the term of the CD and your membership status.
• You must maintain the minimum balance in your CD account to earn the stated interest rate.
• If you withdraw your money from your CD before the maturity date, you will be subject to an early withdrawal penalty.

Pros:

• High interest rates on CDs
• No early withdrawal penalty on some CDs
• FDIC insured
• Wide range of terms
• Easy to open an account

Rules:

• The minimum deposit for a CD at Ally Bank is $25.
• The term of a CD at Ally Bank can range from 3 months to 60 months.
• There is an early withdrawal penalty for CDs at Ally Bank. The penalty is 6 months’ interest if the CD is withdrawn before maturity.

Pros:

• High interest rates: BOW offers competitive interest rates on CDs.
• No early withdrawal penalty: Some CDs at BOW have no early withdrawal penalty.
• FDIC insured: All CDs at BOW are insured by the Federal Deposit Insurance Corporation (FDIC), up to $250,000 per depositor.
• Wide range of terms: BOW offers a wide range of terms for CDs, so you can find one that fits your needs.
• Easy to open an account: You can open a CD account online or at any BOW branch.

Rules:

• Minimum deposit: The minimum deposit for a CD at BOW is $1,000.
• Term: The term of a CD at BOW can range from 7 months to 60 months.
• Early withdrawal penalty: There is an early withdrawal penalty for CDs at BOW. The penalty is 6 months’ interest if the CD is withdrawn before maturity.

Pros:

• High interest rates on CDs
• No early withdrawal penalty on some CDs
• FDIC insured
• Wide range of terms
• Easy to open an account

Rules:

• The minimum deposit for a CD at First IB is $1,000.
• The term of a CD at First IB can range from 3 months to 60 months.
• There is an early withdrawal penalty for CDs at First IB. The penalty is 6 months’ interest if the CD is withdrawn before maturity.

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.
• The Bread Savings website makes it easy for you to open a CD online.
• You can set up automatic transfers from your checking account to your CD.

Rules:

• There is a 180-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• A competitive APY of 5.25% is available from CFG Bank for deposits of $500 or more.
• The local bank provides individualized service along with a selection of financial goods and services.
• CFG Bank offers a variety of deposit products, including savings accounts, money market accounts, checking accounts, and certificates of deposit (CDs).

Rules:

• The 5.25% APY is only available for 12-month term deposits, and the minimum deposit needed to obtain the advertised APY is $500.
• Though early withdrawals from the account are permitted, there is a penalty of 180 days’ supply of interest on the amount taken out.

Pros:

• Competitive interest rates: Discover Bank’s CD rates are competitive with other online banks.
• No minimum balance requirement: There is no minimum balance requirement to open a CD with Discover Bank.
• Easy to open and manage: CDs can be opened and managed online or through the Discover Bank mobile app.
• FDIC insured: Your money is FDIC insured up to $250,000.

Rules:

• The minimum deposit for a CD is $2,500.
• There is a penalty for early withdrawal. The penalty is six months of simple interest if you withdraw your money within one year of opening the CD. The penalty is three months of simple interest if you withdraw your money within two years of opening the CD.
• You must maintain a qualifying direct deposit to earn the full advertised interest rate. The qualifying direct deposit must be for at least $1,500 each month.

Pros:

• FDIC insured
• No monthly maintenance fees
• The interest rate is compounded daily, so you earn interest on your interest.
• Quontic Bank offers online CD openings.
• You can set up automatic transfers from your checking account to your CD.

Rules:

• There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
• The interest rate is subject to change.

Pros:

• High interest rates on CDs
• No early withdrawal penalty on some CDs
• FDIC insured
• Wide range of terms
• Easy to open an account

Rules:

• The minimum deposit for a CD at First IB is $1,000.
• The term of a CD at First IB can range from 3 months to 60 months.
• There is an early withdrawal penalty for CDs at First IB. The penalty is 6 months’ interest if the CD is withdrawn before maturity.

Pros:

• High interest rates on CDs
• No early withdrawal penalty on some CDs
• FDIC insured
• Wide range of terms
• Easy to open an account

Rules:

• The minimum deposit for a CD at Ally Bank is $25.
• The term of a CD at Ally Bank can range from 3 months to 60 months.
• There is an early withdrawal penalty for CDs at Ally Bank. The penalty is 6 months’ interest if the CD is withdrawn before maturity.

Pros:

• High interest rates: BOW offers competitive interest rates on CDs.
• No early withdrawal penalty: Some CDs at BOW have no early withdrawal penalty.
• FDIC insured: All CDs at BOW are insured by the Federal Deposit Insurance Corporation (FDIC), up to $250,000 per depositor.
• Wide range of terms: BOW offers a wide range of terms for CDs, so you can find one that fits your needs.
• Easy to open an account: You can open a CD account online or at any BOW branch.

Rules:

• Minimum deposit: The minimum deposit for a CD at BOW is $1,000.
• Term: The term of a CD at BOW can range from 7 months to 60 months.
• Early withdrawal penalty: There is an early withdrawal penalty for CDs at BOW. The penalty is 6 months’ interest if the CD is withdrawn before maturity.

Pros:

• A competitive APY of 5.25% is available from CFG Bank for deposits of $500 or more.
• The local bank provides individualized service along with a selection of financial goods and services.
• CFG Bank offers a variety of deposit products, including savings accounts, money market accounts, checking accounts, and certificates of deposit (CDs).

Rules:

• The 5.25% APY is only available for 12-month term deposits, and the minimum deposit needed to obtain the advertised APY is $500.
• Though early withdrawals from the account are permitted, there is a penalty of 180 days’ supply of interest on the amount taken out.