Amegy Bank CD Rates — October 2026
As of October 22, 2026, Amegy Bank's highest tracked CD rate is 4.15% APY on a 12-month CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.01% to 4.15% APY.
Tracking began .
Amegy Bank CD rates
Amegy Bank is a division of Zions Bancorporation, N.A. Standard CDs from 7 days to 60 months for balances from $1,000 up to $99,999; the rates shown are for Houston and other markets outside Dallas-Fort Worth and San Antonio-Austin, and a linked Gold account adds a relationship bonus to the interest rate. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 7 days | Standard Certificate of Deposit | $1,000 | 0.01% | −4.12% | Verified October 22, 2026 |
| 1 month | Standard Certificate of Deposit | $1,000 | 0.05% | −4.08% | Verified October 22, 2026 |
| 3 months | Standard Certificate of Deposit | $1,000 | 3.00% | −1.29% | Verified October 22, 2026 |
| 6 months | Standard Certificate of Deposit | $1,000 | 3.80% | −0.60% | Top 26% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Standard Certificate of Deposit | $1,000 | 4.00% | −0.48% | Top 25% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Standard Certificate of Deposit | $1,000 | 4.15% | −0.42% | Top 16% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Standard Certificate of Deposit | $1,000 | 3.75% | −0.97% | Verified October 22, 2026 |
| 24 months | Standard Certificate of Deposit | $1,000 | 3.25% | −1.62% | Top 56% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Standard Certificate of Deposit | $1,000 | 3.35% | −1.60% | Top 42% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Standard Certificate of Deposit | $1,000 | 3.40% | −1.58% | Top 38% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Standard Certificate of Deposit | $1,000 | 3.50% | −1.51% | Top 41% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Amegy Bank's best CD rates by term?
Amegy Bank's best rate is 4.15% APY on 12 months, verified October 22, 2026.
- 7 days0.01%
- 1 mo0.05%
- 3 mo3.00%
- 6 mo3.80%
- 9 mo4.00%
- 12 mo4.15%
- 18 mo3.75%
- 24 mo3.25%
- 36 mo3.35%
- 48 mo3.40%
- 60 mo3.50%
How much interest could a Amegy Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$415.00 interest · $10,415.00 at maturity on $10,000.00.
4.15% APY · 12 months · Standard Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | $0.010.01% APY · Standard Certificate of Deposit · Standard | $0.020.01% APY · Standard Certificate of Deposit · Standard | $0.050.01% APY · Standard Certificate of Deposit · Standard | $0.100.01% APY · Standard Certificate of Deposit · Standard |
| 1 month | $0.210.05% APY · Standard Certificate of Deposit · Standard | $0.410.05% APY · Standard Certificate of Deposit · Standard | $1.030.05% APY · Standard Certificate of Deposit · Standard | $2.050.05% APY · Standard Certificate of Deposit · Standard |
| 3 months | $36.983.00% APY · Standard Certificate of Deposit · Standard | $73.973.00% APY · Standard Certificate of Deposit · Standard | $184.923.00% APY · Standard Certificate of Deposit · Standard | $369.833.00% APY · Standard Certificate of Deposit · Standard |
| 6 months | $94.373.80% APY · Standard Certificate of Deposit · Standard | $188.753.80% APY · Standard Certificate of Deposit · Standard | $471.873.80% APY · Standard Certificate of Deposit · Standard | $943.753.80% APY · Standard Certificate of Deposit · Standard |
| 9 months | $149.404.00% APY · Standard Certificate of Deposit · Standard | $298.804.00% APY · Standard Certificate of Deposit · Standard | $747.004.00% APY · Standard Certificate of Deposit · Standard | $1,494.014.00% APY · Standard Certificate of Deposit · Standard |
| 12 months | $207.504.15% APY · Standard Certificate of Deposit · Standard | $415.004.15% APY · Standard Certificate of Deposit · Standard | $1,037.504.15% APY · Standard Certificate of Deposit · Standard | $2,075.004.15% APY · Standard Certificate of Deposit · Standard |
| 18 months | $284.143.75% APY · Standard Certificate of Deposit · Standard | $568.273.75% APY · Standard Certificate of Deposit · Standard | $1,420.683.75% APY · Standard Certificate of Deposit · Standard | $2,841.373.75% APY · Standard Certificate of Deposit · Standard |
| 24 months | $330.283.25% APY · Standard Certificate of Deposit · Standard | $660.563.25% APY · Standard Certificate of Deposit · Standard | $1,651.413.25% APY · Standard Certificate of Deposit · Standard | $3,302.813.25% APY · Standard Certificate of Deposit · Standard |
| 36 months | $519.523.35% APY · Standard Certificate of Deposit · Standard | $1,039.043.35% APY · Standard Certificate of Deposit · Standard | $2,597.613.35% APY · Standard Certificate of Deposit · Standard | $5,195.223.35% APY · Standard Certificate of Deposit · Standard |
| 48 months | $715.473.40% APY · Standard Certificate of Deposit · Standard | $1,430.953.40% APY · Standard Certificate of Deposit · Standard | $3,577.363.40% APY · Standard Certificate of Deposit · Standard | $7,154.733.40% APY · Standard Certificate of Deposit · Standard |
| 60 months | $938.433.50% APY · Standard Certificate of Deposit · Standard | $1,876.863.50% APY · Standard Certificate of Deposit · Standard | $4,692.163.50% APY · Standard Certificate of Deposit · Standard | $9,384.323.50% APY · Standard Certificate of Deposit · Standard |
How Amegy Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 53 of 413 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Amegy Bank (this institution)Standard Certificate of Deposit · Standard | 12 months | $1,000 | Branches in TX | 4.15% | October 22, 2026 |
| T Bank (Dallas)CD · Standard | 12 months | $1,000 | Branches in TX | 4.70% | October 22, 2026 |
| Neches Federal Credit UnionCertificate Rates ($100,000 minimum balance) · Standard | 12 months | $100,000 | Membership required · branches in TX | 4.65% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Amegy Bank on October 22, 2026.
About Amegy Bank
- Legal name
- Zions Bancorporation, N.A.
- Regulator ID
- FDIC 2270
- Headquarters
- Houston, TX
- Available in
- TX
- Total assets
- $89.0 billion
- Also known as
- Amegy
- Website
- www.amegybank.com
Source: rates read from https://www.amegybank.com/personal/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Amegy Bank?
Among the rates we track, 4.15% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a Amegy Bank CD?
The lowest minimum we found is $1,000.
How does Amegy Bank's best CD rate compare with Treasury yields?
4.15% APY is −0.42% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Amegy Bank CDs insured?
Amegy Bank is an FDIC-insured bank (FDIC 2270). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Amegy Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Amegy Bank's website and may change at any time. Confirm terms, minimums and eligibility with Amegy Bank before opening an account. This page is not financial advice.