# First United Bank (Texas) CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-united-bank-texas
Institution: First United Bank (FDIC 12769)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:10.000Z (October 22, 2026)
Official source: https://www.firstunited.bank/company/check-our-rates/
Coverage: Published CD rates from 30 days to 5 years with separate $1,000 and $100,000 minimum-deposit tiers. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Certificate of Deposit | standard | 30 days | $100,000 | 2.25% | Not ZIP-priced | −1.88% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Regular Certificate of Deposit | standard | 30 days | $1,000 | 2.15% | Not ZIP-priced | −1.98% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Jumbo Certificate of Deposit | standard | 90 days | $100,000 | 2.85% | Not ZIP-priced | −1.44% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Regular Certificate of Deposit | standard | 90 days | $1,000 | 2.75% | Not ZIP-priced | −1.54% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Jumbo Certificate of Deposit | standard | 180 days | $100,000 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Regular Certificate of Deposit | standard | 180 days | $1,000 | 3.15% | Not ZIP-priced | −1.25% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Jumbo Certificate of Deposit | standard | 12 months | $100,000 | 3.55% | Not ZIP-priced | −1.02% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Regular Certificate of Deposit | standard | 12 months | $1,000 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Jumbo Certificate of Deposit | standard | 18 months | $100,000 | 3.45% | Not ZIP-priced | −1.27% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Regular Certificate of Deposit | standard | 18 months | $1,000 | 3.35% | Not ZIP-priced | −1.37% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Jumbo Certificate of Deposit | standard | 24 months | $100,000 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Regular Certificate of Deposit | standard | 24 months | $1,000 | 3.15% | Not ZIP-priced | −1.72% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Jumbo Certificate of Deposit | standard | 36 months | $100,000 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Regular Certificate of Deposit | standard | 36 months | $1,000 | 3.05% | Not ZIP-priced | −1.90% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Jumbo Certificate of Deposit | standard | 48 months | $100,000 | 3.10% | Not ZIP-priced | −1.88% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Regular Certificate of Deposit | standard | 48 months | $1,000 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Jumbo Certificate of Deposit | standard | 60 months | $100,000 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |
| Regular Certificate of Deposit | standard | 60 months | $1,000 | 2.90% | Not ZIP-priced | −2.11% | 2026-10-22T16:22:10.000Z | [Snapshot 346](https://apyledger.com/snapshots/346) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.