Texas Exchange Bank CD Rates — October 2026
As of October 22, 2026, Texas Exchange Bank's highest tracked CD rate is 3.55% APY on a 12-month CD ($1,000 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.07% to 3.55% APY.
Tracking began .
Texas Exchange Bank CD rates
New-money CDs from 90 days to 12 months with $1,000 and $10,000 minimums to open. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 90 days | NEW MONEY Certificate of Deposit | $1,000same APY in 2 balance tiers | 3.07% | −1.22% | Verified October 22, 2026 |
| 180 days | NEW MONEY Certificate of Deposit | $1,000same APY in 2 balance tiers | 3.25% | −1.15% | Verified October 22, 2026 |
| 12 months | NEW MONEY Certificate of Deposit | $1,000same APY in 2 balance tiers | 3.55% | −1.02% | Top 52% of tracked 12-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 Texas Exchange Bank's best CD rates by term?
Texas Exchange Bank's best rate is 3.55% APY on 12 months, verified October 22, 2026.
- 90 days3.07%
- 180 days3.25%
- 12 mo3.55%
How much interest could a Texas Exchange 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.
$355.00 interest · $10,355.00 at maturity on $10,000.00.
3.55% APY · 12 months · NEW MONEY 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 |
|---|---|---|---|---|
| 90 days | $37.403.07% APY · NEW MONEY Certificate of Deposit · Standard | $74.793.07% APY · NEW MONEY Certificate of Deposit · Standard | $186.983.07% APY · NEW MONEY Certificate of Deposit · Standard | $373.953.07% APY · NEW MONEY Certificate of Deposit · Standard |
| 180 days | $79.413.25% APY · NEW MONEY Certificate of Deposit · Standard | $158.833.25% APY · NEW MONEY Certificate of Deposit · Standard | $397.073.25% APY · NEW MONEY Certificate of Deposit · Standard | $794.153.25% APY · NEW MONEY Certificate of Deposit · Standard |
| 12 months | $177.503.55% APY · NEW MONEY Certificate of Deposit · Standard | $355.003.55% APY · NEW MONEY Certificate of Deposit · Standard | $887.503.55% APY · NEW MONEY Certificate of Deposit · Standard | $1,775.003.55% APY · NEW MONEY Certificate of Deposit · Standard |
How Texas Exchange 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 221 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 |
|---|---|---|---|---|---|
| Texas Exchange Bank (this institution)NEW MONEY Certificate of Deposit · Standard | 12 months | $1,000 | Branches in TX | 3.55% | 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 Texas Exchange Bank on October 22, 2026.
About Texas Exchange Bank
- Legal name
- Texas Exchange Bank
- Regulator ID
- FDIC 20099
- Headquarters
- Crowley, TX
- Available in
- TX
- Total assets
- $4.5 billion
- Also known as
- Website
- www.txexbank.com
Source: rates read from https://www.txexbank.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Texas Exchange Bank?
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 Texas Exchange Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $10,000.
How does Texas Exchange Bank'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 Texas Exchange Bank CDs insured?
Texas Exchange Bank is an FDIC-insured bank (FDIC 20099). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Texas Exchange Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Texas Exchange Bank's website and may change at any time. Confirm terms, minimums and eligibility with Texas Exchange Bank before opening an account. This page is not financial advice.