Certificates of Deposit (CDs)

Certificate of Deposit (CDs) are ideal for those seeking to achieve a certain savings goal within a specific timeframe. BankTexas/BTH offers CDs with terms from 13 to 60 months and variable or fixed interest rates allowing for a guaranteed return.

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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*

Choose your term - 13, 15, or 17 months - and receive a fixed interest rate with BankTexas/BTH Choose Your Term CD. These short-term CDs offer 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*

The Worry Free CD, available in 30 or 60 month terms, has a rate indexed to the One-Year US Treasury Daily Yield. Rates can increase but will never fall below the stated floor APY - leaving you 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)