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 Choose Your Term and 30 month Variable Rate Certificate of Deposit.

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)