Certificates of Deposit (CDs)

Savings accounts are great for the casual saver. But if you're serious about achieving a certain savings goal within a specific timeframe, a CD is for you. That's because with variable and fixed interest rates and pre-determined terms that you select, CDs provide a guaranteed return.


Be sure to ask your BankTexas representative about our new 30 month Variable Rate Certificate of Deposit with a rate indexed to the One-Year US Treasury Daily Yield and a floor of 1.00%. It is a worry-free CD that keeps the customer in mind.

Still have Questions? No problem we are here to help.
Summary
  • Variable and fixed interest rates, higher than regular savings
  • Worry-Free variable rate CDs available
  • Very low-risk investment
  • A wide range of terms to save for exact goals
  • Penalties imposed for early withdrawal
  • $1,000 minimum deposit to open for fixed-rate CDs
  • $10,000 minimum deposit for variable-rate CDs

View our current rates.

Choose Your Term CDS*

Be sure to ask your BankTexas representative about our Choose Your Term CDs* -- 13, 15 and 17-month CDs with a fixed interest rate. The Choose Your Term CD offers great flexibility for your savings.


  • Choose your term: 13 months, 15 months or 17 months
  • Earn 1% APY *
  • $10,000 Minimum Deposit

*Annual Percentage Yield – The minimum to open and obtain the APY is $10,000.00. APY assumes interest is compounded quarterly and remains on deposit until maturity; withdrawal of interest will reduce earnings. A penalty will be imposed for early withdrawal. Refer to Truth-in-Savings disclosure for complete details. Interest rate and APY are accurate as of August 20, 2013. Rates subject to change.

Worry-Free CD*

Be sure to ask your BankTexas representative about our Worry-Free CDs* — 30 and 60-month CDs with a rate indexed to the One-Year US Treasury Daily Yield. Rates can increase but will never go below the stated floor APY — so you can remain worry-free with your savings.


  • Worry-Free CDs* offer variable rates with a floor APY:
  • 30-month CDs with a floor of 1.00% APY*
  • 60-month CDs with a floor of 1.21% APY*
  • Rates indexed to the One-Year US Treasury Daily Yield

$10,000 minimum deposit to open a Worry-Free CD*


*Annual Percentage Yield – The minimum to open and obtain the APY is $10,000.00. APY assumes interest is compounded quarterly and remains on deposit until maturity; withdrawal of interest will reduce earnings. A penalty will be imposed for early withdrawal. Refer to Truth-in-Savings disclosure for complete details. Interest rate and APY are accurate as of August 20, 2013.

Certificates of Deposit (CDs)