VeraBank CD Rates — October 2026
As of October 22, 2026, VeraBank's highest tracked CD rate is 2.47% APY on a 6-month CD ($250,000 minimum). That is 1.8 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.41% to 2.47% APY.
Tracking began .
With $10,000 and no relationship requirement: 2.21% on 6 months
VeraBank CD rates
CDs from 6 to 60 months with a $1,000 minimum; rates are tiered by balance ($1,000, $10,000 and $250,000). Early withdrawal penalties may apply.
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 VeraBank's best CD rates by term?
VeraBank's best rate is 2.47% APY on 6 months, verified October 22, 2026.
- 6 mo2.47%
- 12 mo2.42%
- 18 mo2.17%
- 24 mo1.91%
- 36 mo2.07%
- 60 mo2.27%
How much interest could a VeraBank 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.
$110.20 interest · $10,110.20 at maturity on $10,000.00.
2.21% APY · 6 months · Personal CD · 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 |
|---|---|---|---|---|
| 6 months | $48.901.96% APY · Personal CD · Standard | $110.202.21% APY · Personal CD · Standard | $275.502.21% APY · Personal CD · Standard | $550.992.21% APY · Personal CD · Standard |
| 12 months | $95.501.91% APY · Personal CD · Standard | $217.002.17% APY · Personal CD · Standard | $542.502.17% APY · Personal CD · Standard | $1,085.002.17% APY · Personal CD · Standard |
| 18 months | $125.131.66% APY · Personal CD · Standard | $288.131.91% APY · Personal CD · Standard | $720.331.91% APY · Personal CD · Standard | $1,440.651.91% APY · Personal CD · Standard |
| 24 months | $141.991.41% APY · Personal CD · Standard | $334.761.66% APY · Personal CD · Standard | $836.891.66% APY · Personal CD · Standard | $1,673.781.66% APY · Personal CD · Standard |
| 36 months | $237.671.56% APY · Personal CD · Standard | $552.891.81% APY · Personal CD · Standard | $1,382.221.81% APY · Personal CD · Standard | $2,764.441.81% APY · Personal CD · Standard |
| 60 months | $455.761.76% APY · Personal CD · Standard | $1,051.642.02% APY · Personal CD · Standard | $2,629.092.02% APY · Personal CD · Standard | $5,258.182.02% APY · Personal CD · Standard |
How VeraBank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 296 of 377 tracked institutions with fresh 183-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 |
|---|---|---|---|---|---|
| VeraBank (this institution)Personal CD · Standard | 6 months | $250,000 | Branches in TX | 2.47% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Membership required · branches in 9 states | 5.20% | October 22, 2026 |
| Popular DirectCD · Standard | 6 months | $10,000 | Available nationwide | 4.35% | October 22, 2026 |
| Neches Federal Credit UnionCertificate Rates ($100,000 minimum balance) · Standard | 6 months | $100,000 | Membership required · branches in TX | 4.30% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking VeraBank on October 22, 2026.
About VeraBank
- Legal name
- VeraBank, National Association
- Regulator ID
- FDIC 3250
- Headquarters
- Henderson, TX
- Available in
- TX
- Total assets
- $4.6 billion
- Also known as
- Website
- www.verabank.com
Source: rates read from https://www.verabank.com/Personal/Banking/Interest-Rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at VeraBank?
Among the rates we track, 2.47% APY on a 6-month CD, as of October 22, 2026.
What is the minimum deposit for a VeraBank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $250,000.
How does VeraBank's best CD rate compare with Treasury yields?
2.47% APY is −1.93% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 2.47% a good CD rate?
It is 1.8 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 VeraBank CDs insured?
VeraBank is an FDIC-insured bank (FDIC 3250). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check VeraBank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from VeraBank's website and may change at any time. Confirm terms, minimums and eligibility with VeraBank before opening an account. This page is not financial advice.