# Texas Exchange Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/texas-exchange-bank
Institution: Texas Exchange Bank (FDIC 20099)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:54.000Z (October 22, 2026)
Official source: https://www.txexbank.com/rates/
Coverage: New-money CDs from 90 days to 12 months with $1,000 and $10,000 minimums to open. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NEW MONEY Certificate of Deposit | standard | 90 days | $1,000 | 3.07% | Not ZIP-priced | −1.22% | 2026-10-23T03:02:54.000Z | [Snapshot 934](https://apyledger.com/snapshots/934) |
| NEW MONEY Certificate of Deposit | standard | 90 days | $10,000 | 3.07% | Not ZIP-priced | −1.22% | 2026-10-23T03:02:54.000Z | [Snapshot 934](https://apyledger.com/snapshots/934) |
| NEW MONEY Certificate of Deposit | standard | 180 days | $1,000 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-23T03:02:54.000Z | [Snapshot 934](https://apyledger.com/snapshots/934) |
| NEW MONEY Certificate of Deposit | standard | 180 days | $10,000 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-23T03:02:54.000Z | [Snapshot 934](https://apyledger.com/snapshots/934) |
| NEW MONEY Certificate of Deposit | standard | 12 months | $1,000 | 3.55% | Not ZIP-priced | −1.02% | 2026-10-23T03:02:54.000Z | [Snapshot 934](https://apyledger.com/snapshots/934) |
| NEW MONEY Certificate of Deposit | standard | 12 months | $10,000 | 3.55% | Not ZIP-priced | −1.02% | 2026-10-23T03:02:54.000Z | [Snapshot 934](https://apyledger.com/snapshots/934) |

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.