High-Yield CD Rate


Today's Annual Percentage Yield (APY) as of 12/08/2022.
$2,500 Minimum to Open and Earn Stated APY.

4.00% APY*

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Today's Annual Percentage Yield (APY) as of 12/08/2022.
$2,500 Minimum to Open and Earn Stated APY.

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Why bank with Extraco?

Let an award-winning Central Texas bank help turn your dreams into realityExtraco Banks makes managing personal finances easier and faster than ever with flexible products and services that support your goals. Whether you're saving for college or retirement, looking to finance a major purchase, or searching for the perfect insurance plan, we offer a banking experience that puts you in charge.

Certificate of Deposit

A 20-month, 4.00% fixed APY* Certificate of Deposit will help you maximize your earnings and grow your money faster, with interest compounded quarterly.

This rate is available to individuals and businesses.

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Get Started Today

Opening a CD account with Extraco is convenient & simple.
Click below to find your closest branch.

  • Member FDIC
  • The CD must have a minimum balance of $2,500, and cannot exceed $1,000,000.
  • You must have or open an Extraco Banks account.
  • Early withdrawal penalty is 12 months interest on the rate in effect at time of withdrawal.
  • This CD will automatically renew into an 18-month CD at the then current standard CD rate.
  • This CD is not eligible for Bump-Up CD Conversion.
  • * 4.00% Annual Percentage Yield rate for all money effective 12-08-22.

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The Extraco Advantage

Local Decisions.
Local Team.

Join 125,000 of your neighbors and experience a superior customer experience when you bank with us. We are committed to helping you protect and grow your assets.

Plan For Your Future

CDs, Money Markets, Trusts, Insurance or Investments - Extraco can help grow
your money.

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Open Accounts Online

 Open an account online in five minutes and enjoy streamlined navigation and optimized 
user interface.

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Customer Support

Chat with us and get answers in seconds, access 24/7, chat LIVE with a banker & much more.

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