# PlainsCapital Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/plainscapital-bank
Institution: PlainsCapital Bank (FDIC 17491)
Aliases: 
Status: live
Last verified: 2026-10-23T11:34:56.000Z (October 23, 2026)
Official source: https://plainscapital.com/current-rates/
Coverage: 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.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Personal Certificate of Deposit | standard | 30 days | $1,000 | 2.02% | Not ZIP-priced | −2.13% | 2026-10-23T11:34:56.000Z | [Snapshot 1019](https://apyledger.com/snapshots/1019) |
| Personal Certificate of Deposit | standard | 60 days | $1,000 | 2.78% | Not ZIP-priced | −1.42% | 2026-10-23T11:34:56.000Z | [Snapshot 1019](https://apyledger.com/snapshots/1019) |
| Personal Certificate of Deposit | standard | 90 days | $1,000 | 3.19% | Not ZIP-priced | −1.07% | 2026-10-23T11:34:56.000Z | [Snapshot 1019](https://apyledger.com/snapshots/1019) |
| Personal Certificate of Deposit | standard | 180 days | $1,000 | 3.33% | Not ZIP-priced | −1.01% | 2026-10-23T11:34:56.000Z | [Snapshot 1019](https://apyledger.com/snapshots/1019) |
| Personal Certificate of Deposit - 1 Year Fixed or Variable | standard | 12 months | $1,000 | 3.19% | Not ZIP-priced | −1.27% | 2026-10-23T11:34:56.000Z | [Snapshot 1019](https://apyledger.com/snapshots/1019) |
| Personal Certificate of Deposit | standard | 24 months | $1,000 | 3.03% | Not ZIP-priced | −1.67% | 2026-10-23T11:34:56.000Z | [Snapshot 1019](https://apyledger.com/snapshots/1019) |
| Personal Certificate of Deposit | standard | 36 months | $1,000 | 2.98% | Not ZIP-priced | −1.80% | 2026-10-23T11:34:56.000Z | [Snapshot 1019](https://apyledger.com/snapshots/1019) |
| Personal Certificate of Deposit | standard | 48 months | $1,000 | 2.88% | Not ZIP-priced | −1.93% | 2026-10-23T11:34:56.000Z | [Snapshot 1019](https://apyledger.com/snapshots/1019) |
| Personal Certificate of Deposit | standard | 60 months | $1,000 | 2.83% | Not ZIP-priced | −2.01% | 2026-10-23T11:34:56.000Z | [Snapshot 1019](https://apyledger.com/snapshots/1019) |

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.