Short term CD rates in Texas gained some yield for the week while the longer term CD yields lost a little ground.  The average yield for the best six month CD rates in Texas gained five basis points or 5/100 of a percent to end the week at 2.36%.  The one year CD rate average remained constant, holding at 2.52% for the week.  The best two year CD rates in Texas fell to 2.63%, off by three basis points from last week’s level.  The weekly survey of five year CD yields in Texas shows the average yield also falling by three basis points to close the week at 3.43%.

In the six month CD rate category, Texas CD rates are well ahead of the national rates and most all other state and regional CD rates.  At the present time, the lowest six month CD rate on the list has a yield above even the best national rate.  The leader in this group is a special promotion from American First National Bank.  American First National Bank offers an interest rate of 2.85% on a six to 12 month CD that is opened in their new bank branch in Houston only. 

The one year CD rates in Texas follow the lead of the six month rates.  The top bank rates in Texas with a one year term surpass all but the best national rate.  Once again, the leader in Texas with a one year term is American First National Bank with the same offer that applies for the six month CD.  The bank CD earns 2.85% and must be opened in their new Houston bank branch.  Fayetteville Bank has a one year CD rate lower by another ten basis points at 2.63%.  The low rate on the list is at 2.50% and is available at more than one Texas bank including United Central Bank.

Texas CD rates with a two year term fall within a more limited range than the shorter term CDs.  The highest two year CD rate can be found at Texas Security Bank with an interest rate of 2.75%.  Just two basis points below that rate is the two year CD of Collin Bank which yields 2.73%.

Longer term CDs in Texas are the least competitive of the available maturities.  The best five year CD rates fall behind the best national rates but remain competitive relative to other regional and state CD rate averages.  The highest five year CD rate in Texas is at 3.50% and is available at Green Bank, La Jolla Bank as well as First National Bank in Port Lavaca.  Access 1st Capital is close behind with a five year term CD with a rate of 3.45%.

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