Best Waco, TX CD Rates: 12-Month Term
If you’re not satisfied by the interest rates banks and credit unions are offering on 6-month CDs right now, lengthening the term a bit can help you get better offers. 12-month, or 1-year, certificates of deposit generally provide higher interest rates than shorter-term CDs. If you’re willing to keep your money on deposit for this long, a 12-month CD could be a great choice for you.
Today’s 1-Year CD Rates in Waco, TX
To get a better idea of what currently available, here’s a look at the highest, lowest and average 12-month CD rates in Waco right now:
Number of Accounts Available: 11
Highest Rate: 1.51% APY
Lowest Rate: 0.45% APY
Average Rate: 0.88% APY
Where the Highest 12-Month CD Rates are Located
The following are the local Waco banks and credit unions that are currently offering the highest 12-month CD interest rates:
- Mclennan County Employees Credit Union: 1.51%
- Citizens State Bank Buffalo, TX: 1.3%
- Educators Credit Union: 1.11%
- Texell Credit Union: 1%
- Central National Bank - Waco, Texas: 0.9%
These rates are accurate as of 5/10/11 but are subject to change at any time. To view up-to-date CD rates across all terms, visit our Waco CD Rates page.

