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6-month, 1.16% CD at Fayetteville Bank

Fayetteville Bank has a competitive 6-month CD offering: 1.16% APY on a $500 minimum. Fayetteville Bank’s other shorter-term CDs also have favorable rates: 1.31% APY on 1-year CDs, and 1.51% APY on 18-month CDs.  Fayetteville Bank also has what seems to be a suspiciously high IRA Savings Account: 3.05% APY with a $50 minimum. With a rate that high (none of the other Fayetteville Bank savings accounts have a rate above 1%), I assume there’s some sort of catch, but there’s nothing on their website giving more information about the account. However, if you’re looking to open an IRA Savings Account, it may very well be worth a phone call or visit to see what the restrictions actually are.

Fayetteville Bank has two branches, both in Texas: Fayetteville and Schulenburg.

CDs up to 3% at Cal-Com Credit Union

Cal-Com Credit Union has a number of competitive CDs available:

  • 2-year certificate: 1.75% APY
  • 3-year certificate: 2.25% APY
  • 4-year certificate: 2.40% APY
  • 5-year certificate: 3.00% APY

The CDs are also available as IRA certificates. Both the regular CDs and the IRA CDs have a $500 minimum.

Cal-Com Credit Union is open to anyone who lives, works, worships, or attends school in Calhoun County, DeWitt County, Goliad County, Jackson County, Lavaca County, Refugio County and Victoria County. Cal-Com CU has two locations: 1401 North Virginia in Port Lavaca and 3802 North Navarro in Victoria.

5-year CDs up to 3.13% at Coastal Community and Teachers Credit Union

Coastal Community and Teachers Credit Union has a competitive long-term certificate available: Their 5-year CD is yielding 2.88% APY. This CD has a minimum deposit of $1000. However, if you’re willing to put more money into the certificate, the rates go even higher: 3.03% APY with a $50,000 minimum deposit, and 3.13% APY with a $95,000 minimum. Coastal Community and Teachers CU also has a high rate on their Traditional IRA Savings Account: 1.51% APY.

Coastal Community and Teachers Credit Union is open to anyone who lives or works in Aransas County, Duval County, Jim Wells County, Kleberg County, Nueces County, and San Patricio County. Coastal Community and Teachers CU has eight branches, all in Texas: four in Corpus Christi, and one each in Alice, Freer, Kingsville, and Portland.

Competitive CDs across terms at El Paso Employees Credit Union

El Paso Employees Credit Union has a number of competitive CDs available, ranging from short-term to long-term:

  • 6-month CD: 1.00% APY
  • 1-year CD: 1.36% APY
  • 2-year CD: 1.71% APY
  • 3-year CD: 2.52% APY
  • 4-year CD: 2.78% APY
  • 5-year CD: 3.29% APY

These CDs all have a minimum of $500 except for the 1-year CD, which has a minimum of $50. While El Paso Employees CU’s early withdrawal penalties on their CDs a year or longer are somewhat unusual: 25% of the interest that would have accrued in the remaining term of the CD. That is, if you terminate a 5 year CD after 4 years, you would owe 25% of 3.29% of the balance after four years, or about .83% of the balance. Since you would have actually gained over 2% in additional interest over the 4-year CD by getting the 5-year CD instead, if a 4-year CD is what you’re interested in, it might be worth it to consider getting a 5-year CD with the expectation to terminate it after 4 years.

El Paso Employees Federal Credit Union is open to anyone who lives, works, worships, or attends school in El Paso County. El Paso Employees CU has eight locations, all in the city of El Paso.

3.51% rewards checking and 33-month, 2.18% CD at NorthStar Bank

NorthStar Bank of Texas has a very competitive mid-term CD: a 33-month CD that’s returning 2.18% APY. The CD has a minimum deposit of $1000. NorthStar also has a 11-month “liquid CD” that’s yielding 1.15% APY. Their website doesn’t give more information about the “liquid CD,” however.

NorthStar Bank also has what they call “Velocity Checking,” which is returning an astronomical 3.51% on amounts under $50,000. But to get that amazing rate, you have to complete the following monthly: 10 debit card point of sale transactions, one or more direct deposit or ACH auto debits, log onto their online banking site, and receive statements online rather than through the mail. Despite the restrictions, it might very well be worth it for someone looking for an extremely high checking account rate.

NorthStar Bank of Texas has 10 locations in the northern Dallas-Forth Worth suburbs: two in Denton, and one each in Argyle, Colleyville, Corinth, Grapevine, Krum, Lake Dallas, Lewisville, and Pilot Point.

5-year, 2.52% CD at TransPecos Bank

TransPecos Bank has a competitive long-term CD available: Their 5-year CD is yielding 2.52% APY. This CD has a minimum deposit of $1000. TransPecos’ 4-year CD is also relatively competitive at 2.17% APY.

TransPecos Bank has four branches, all in western Texas: one each in Alpine, Marathon, Pecos, and Sierra Blanca.