First United Bank (Texas) CD Rates — October 2026
As of October 22, 2026, First United Bank (Texas)'s highest tracked CD rate is 3.55% APY on a 12-month CD ($100,000 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.15% to 3.55% APY.
Tracking began .
First United Bank (Texas) CD rates
Published CD rates from 30 days to 5 years with separate $1,000 and $100,000 minimum-deposit tiers. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 30 days | Jumbo Certificate of Deposit | 2.25%Verified October 22, 2026 |
| 30 days | Regular Certificate of Deposit | 2.15%Verified October 22, 2026 |
| 90 days | Jumbo Certificate of Deposit | 2.85%Verified October 22, 2026 |
| 90 days | Regular Certificate of Deposit | 2.75%Verified October 22, 2026 |
| 180 days | Jumbo Certificate of Deposit | 3.25%Verified October 22, 2026 |
| 180 days | Regular Certificate of Deposit | 3.15%Verified October 22, 2026 |
| 12 months | Jumbo Certificate of Deposit | 3.55%Top 55% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Regular Certificate of Deposit | 3.45%Top 62% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Jumbo Certificate of Deposit | 3.45%Top 59% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Regular Certificate of Deposit | 3.35%Top 62% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Jumbo Certificate of Deposit | 3.25%Top 61% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Regular Certificate of Deposit | 3.15%Top 64% · $10k reference sampleVerified October 22, 2026 |
| 36 months | Jumbo Certificate of Deposit | 3.15%Top 55% · $10k reference sampleVerified October 22, 2026 |
| 36 months | Regular Certificate of Deposit | 3.05%Top 58% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Jumbo Certificate of Deposit | 3.10%Top 52% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Regular Certificate of Deposit | 3.00%Top 60% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Jumbo Certificate of Deposit | 3.00%Top 64% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Regular Certificate of Deposit | 2.90%Top 64% · $10k reference sampleVerified 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 First United Bank (Texas)'s best CD rates by term?
First United Bank (Texas)'s best rate is 3.55% APY on 12 months, verified October 22, 2026.
- 30 days2.25%
- 90 days2.85%
- 180 days3.25%
- 12 mo3.55%
- 18 mo3.45%
- 24 mo3.25%
- 36 mo3.15%
- 48 mo3.10%
- 60 mo3.00%
How much interest could a First United Bank (Texas) 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.
$345.00 interest · $10,345.00 at maturity on $10,000.00.
3.45% APY · 12 months · Regular 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 |
|---|---|---|---|---|
| 30 days | $8.752.15% APY · Regular Certificate of Deposit · Standard | $17.502.15% APY · Regular Certificate of Deposit · Standard | $43.752.15% APY · Regular Certificate of Deposit · Standard | $87.502.15% APY · Regular Certificate of Deposit · Standard |
| 90 days | $33.562.75% APY · Regular Certificate of Deposit · Standard | $67.122.75% APY · Regular Certificate of Deposit · Standard | $167.792.75% APY · Regular Certificate of Deposit · Standard | $335.582.75% APY · Regular Certificate of Deposit · Standard |
| 180 days | $77.063.15% APY · Regular Certificate of Deposit · Standard | $154.123.15% APY · Regular Certificate of Deposit · Standard | $385.303.15% APY · Regular Certificate of Deposit · Standard | $770.613.15% APY · Regular Certificate of Deposit · Standard |
| 12 months | $172.503.45% APY · Regular Certificate of Deposit · Standard | $345.003.45% APY · Regular Certificate of Deposit · Standard | $862.503.45% APY · Regular Certificate of Deposit · Standard | $1,725.003.45% APY · Regular Certificate of Deposit · Standard |
| 18 months | $253.583.35% APY · Regular Certificate of Deposit · Standard | $507.163.35% APY · Regular Certificate of Deposit · Standard | $1,267.903.35% APY · Regular Certificate of Deposit · Standard | $2,535.803.35% APY · Regular Certificate of Deposit · Standard |
| 24 months | $319.963.15% APY · Regular Certificate of Deposit · Standard | $639.923.15% APY · Regular Certificate of Deposit · Standard | $1,599.813.15% APY · Regular Certificate of Deposit · Standard | $3,199.613.15% APY · Regular Certificate of Deposit · Standard |
| 36 months | $471.603.05% APY · Regular Certificate of Deposit · Standard | $943.193.05% APY · Regular Certificate of Deposit · Standard | $2,357.983.05% APY · Regular Certificate of Deposit · Standard | $4,715.963.05% APY · Regular Certificate of Deposit · Standard |
| 48 months | $627.543.00% APY · Regular Certificate of Deposit · Standard | $1,255.093.00% APY · Regular Certificate of Deposit · Standard | $3,137.723.00% APY · Regular Certificate of Deposit · Standard | $6,275.443.00% APY · Regular Certificate of Deposit · Standard |
| 60 months | $768.292.90% APY · Regular Certificate of Deposit · Standard | $1,536.572.90% APY · Regular Certificate of Deposit · Standard | $3,841.442.90% APY · Regular Certificate of Deposit · Standard | $7,682.872.90% APY · Regular Certificate of Deposit · Standard |
How First United Bank (Texas) 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 133 of 233 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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| First United Bank (Texas) (this institution)Jumbo Certificate of Deposit · Standard | 12 months | $100,000 | Coverage: TX | 3.55% | October 22, 2026 |
| T Bank (Dallas)CD · Standard | 12 months | $1,000 | Coverage: TX | 4.70% | October 22, 2026 |
| Neches Federal Credit UnionCertificate Rates ($100,000 minimum balance) · Standard | 12 months | $100,000 | Coverage: TX | 4.65% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 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 | Coverage: 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 First United Bank (Texas) on October 22, 2026.
About First United Bank (Texas)
- Legal name
- First United Bank
- Regulator ID
- FDIC 12769
- Headquarters
- Dimmitt, TX
- Available in
- TX
- Total assets
- $2.4 billion
- Also known as
- Website
- www.firstunited.bank
Source: rates read from https://www.firstunited.bank/company/check-our-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at First United Bank (Texas)?
Among the rates we track, 3.55% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a First United Bank (Texas) CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
How does First United Bank (Texas)'s best CD rate compare with Treasury yields?
3.55% APY is −1.02% 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 3.55% a good CD rate?
It is 2.0 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 First United Bank (Texas) CDs insured?
First United Bank (Texas) is an FDIC-insured bank (FDIC 12769). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First United Bank (Texas)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First United Bank (Texas)'s website and may change at any time. Confirm terms, minimums and eligibility with First United Bank (Texas) before opening an account. This page is not financial advice.