PlainsCapital Bank CD Rates — October 2026
As of October 23, 2026, PlainsCapital Bank's highest tracked CD rate is 3.33% APY on a 180-day CD ($1,000 minimum). That is 2.4 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 2.02% to 3.33% APY.
Tracking began .
PlainsCapital Bank CD rates
Personal certificate quotes require $1,000. The page lists a one-year fixed-or-variable option; confirm the selected rate type and terms when opening. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | Personal Certificate of Deposit | $1,000 | 2.02%Free rate alert | −2.13% | Verified October 23, 2026 |
| 60 days | Personal Certificate of Deposit | $1,000 | 2.78%Free rate alert | −1.42% | Verified October 23, 2026 |
| 90 days | Personal Certificate of Deposit | $1,000 | 3.19%Free rate alert | −1.07% | Verified October 23, 2026 |
| 180 days | Personal Certificate of Deposit | $1,000 | 3.33%Free rate alert | −1.01% | Verified October 23, 2026 |
| 12 months | Personal Certificate of Deposit - 1 Year Fixed or Variable | $1,000 | 3.19%Free rate alert | −1.27% | Top 65% of tracked 12-month CDs · Verified October 23, 2026 |
| 24 months | Personal Certificate of Deposit | $1,000 | 3.03%Free rate alert | −1.67% | Top 59% of tracked 24-month CDs · Verified October 23, 2026 |
| 36 months | Personal Certificate of Deposit | $1,000 | 2.98%Free rate alert | −1.80% | Top 60% of tracked 36-month CDs · Verified October 23, 2026 |
| 48 months | Personal Certificate of Deposit | $1,000 | 2.88%Free rate alert | −1.93% | Top 56% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | Personal Certificate of Deposit | $1,000 | 2.83%Free rate alert | −2.01% | Top 62% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are PlainsCapital Bank's best CD rates by term?
PlainsCapital Bank's best rate is 3.33% APY on 180 days, verified October 23, 2026.
- 30 days2.02%
- 60 days2.78%
- 90 days3.19%
- 180 days3.33%
- 12 mo3.19%
- 24 mo3.03%
- 36 mo2.98%
- 48 mo2.88%
- 60 mo2.83%
How much interest could a PlainsCapital 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.
$162.86 interest · $10,162.86 at maturity on $10,000.00.
3.33% APY · 180 days · Personal Certificate of Deposit · Standard · verified October 23, 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 | $8.232.02% APY · Personal Certificate of Deposit · Standard | $16.452.02% APY · Personal Certificate of Deposit · Standard | $41.132.02% APY · Personal Certificate of Deposit · Standard | $82.252.02% APY · Personal Certificate of Deposit · Standard |
| 60 days | $22.592.78% APY · Personal Certificate of Deposit · Standard | $45.182.78% APY · Personal Certificate of Deposit · Standard | $112.942.78% APY · Personal Certificate of Deposit · Standard | $225.882.78% APY · Personal Certificate of Deposit · Standard |
| 90 days | $38.863.19% APY · Personal Certificate of Deposit · Standard | $77.733.19% APY · Personal Certificate of Deposit · Standard | $194.323.19% APY · Personal Certificate of Deposit · Standard | $388.653.19% APY · Personal Certificate of Deposit · Standard |
| 180 days | $81.433.33% APY · Personal Certificate of Deposit · Standard | $162.863.33% APY · Personal Certificate of Deposit · Standard | $407.143.33% APY · Personal Certificate of Deposit · Standard | $814.283.33% APY · Personal Certificate of Deposit · Standard |
| 12 months | $159.503.19% APY · Personal Certificate of Deposit - 1 Year Fixed or Variable · Standard | $319.003.19% APY · Personal Certificate of Deposit - 1 Year Fixed or Variable · Standard | $797.503.19% APY · Personal Certificate of Deposit - 1 Year Fixed or Variable · Standard | $1,595.003.19% APY · Personal Certificate of Deposit - 1 Year Fixed or Variable · Standard |
| 24 months | $307.593.03% APY · Personal Certificate of Deposit · Standard | $615.183.03% APY · Personal Certificate of Deposit · Standard | $1,537.953.03% APY · Personal Certificate of Deposit · Standard | $3,075.903.03% APY · Personal Certificate of Deposit · Standard |
| 36 months | $460.452.98% APY · Personal Certificate of Deposit · Standard | $920.912.98% APY · Personal Certificate of Deposit · Standard | $2,302.262.98% APY · Personal Certificate of Deposit · Standard | $4,604.532.98% APY · Personal Certificate of Deposit · Standard |
| 48 months | $601.362.88% APY · Personal Certificate of Deposit · Standard | $1,202.732.88% APY · Personal Certificate of Deposit · Standard | $3,006.822.88% APY · Personal Certificate of Deposit · Standard | $6,013.642.88% APY · Personal Certificate of Deposit · Standard |
| 60 months | $748.692.83% APY · Personal Certificate of Deposit · Standard | $1,497.392.83% APY · Personal Certificate of Deposit · Standard | $3,743.472.83% APY · Personal Certificate of Deposit · Standard | $7,486.942.83% APY · Personal Certificate of Deposit · Standard |
How PlainsCapital Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 180-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 5 of 14 tracked institutions with fresh 180-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 |
|---|---|---|---|---|---|
| PlainsCapital Bank (this institution)Personal Certificate of Deposit · Standard | 180 days | $1,000 | Branches in TX | 3.33% | October 23, 2026 |
| Eastman Credit Union (highest tracked APY for this term)Investment Certificate (Jumbo) · Standard | 180 days | $100,000 | Membership required · branches in TN, TX, VA | 4.25% | October 22, 2026 |
| Open BankCertificate of Deposit · Standard | 180 days | $1,000 | Branches in CA, CO, GA, NV, TX, WA | 3.50% | October 22, 2026 |
| First United Bank (Texas)Jumbo Certificate of Deposit · Standard | 180 days | $100,000 | Branches in TX | 3.25% | October 22, 2026 |
| Treasury (APY-equivalent) | 180 days (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.34% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking PlainsCapital Bank on October 23, 2026.
About PlainsCapital Bank
- Legal name
- PlainsCapital Bank
- Regulator ID
- FDIC 17491
- Headquarters
- University Park, TX
- Available in
- TX
- Total assets
- $12.7 billion
- Also known as
- Website
- www.plainscapital.com
Source: rates read from https://plainscapital.com/current-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at PlainsCapital Bank?
Among the rates we track, 3.33% APY on a 180-day CD, as of October 23, 2026.
What is the minimum deposit for a PlainsCapital Bank CD?
The lowest minimum we found is $1,000.
How does PlainsCapital Bank's best CD rate compare with Treasury yields?
3.33% APY is −1.01% versus the 180-day Treasury yield of 4.34% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 3.33% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.39% 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 PlainsCapital Bank CDs insured?
PlainsCapital Bank is an FDIC-insured bank (FDIC 17491). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check PlainsCapital Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from PlainsCapital Bank's website and may change at any time. Confirm terms, minimums and eligibility with PlainsCapital Bank before opening an account. This page is not financial advice.