Rates updated · 71 banks tracked
Texas Capital CD rates: 4.25% APY best term
Texas Capital’s best tracked CD pays 4.25% across 2 terms — ranking in the upper half of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 5.00%. (Updated October 29, 2026.)
Texas Capital CD rates today, by term
| Term | APY |
|---|---|
| 1 year | 4.20% |
| 18 months | 4.25%Best |
Is Texas Capital a good CD rate? Not really. At 4.25% its best CD trails the 5.00% best available tracked rate, leaving about $188 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 4.25%, $25,000 earns $1,063/yr here versus $1,250/yr at the field leader — a $188/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Frequently asked questions
What is Texas Capital's best CD rate?▾
Texas Capital's best tracked CD rate is 4.25% APY as of October 29, 2026, across 2 terms SwitchWize tracks for this bank.
Is Texas Capital's CD rate good?▾
Texas Capital's best CD rate ranks in the upper half of tracked banks. The best available tracked rate is 5.00% and the FDIC national savings average is 0.38%.
Which banks pay more than Texas Capital on CDs?▾
Higher-paying tracked options include bank5 connect, newtek, state employees. Compare rates at /cds to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.