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Choose Your Term. Grow With Confidence.
Choose your term. Grow with confidence.
Earn 4.00% APY* on 12, 18 & 24-month CD options starting at just $1,000.
TEXAS BUSINESS BANKING BUILT FOR YOU
TEXAS BUSINESS BANKING BY TEXANS
Texas Business Banking by Texans
Texas Business Banking Solutions
Local decisions, powerful tools, and personalized service designed specifically for Texas business owners who want banking that works as hard as they do.
Texas Business Banking Solutions
Looking for a financial partner that understands Texas business? Our local business services deliver the responsive support and modern tools you need to thrive right here in Texas!
Texas Business Banking That Works As Hard As You Do
- Competitive returns to maximize your business capital
- No charge to open
- Initial $100,000 maximum funding amount
- Minimum $1,000 to open
- Higher long-term returns for strategic business planning
- No charge to open
- Initial $100,000 maximum funding amount
- Minimum $1,000 to open
Texas Business Banking, By Texans
Local decisions. Modern solutions. Real relationships. Partner with a Texas-based banking team that understands your business and puts you first—not corporate red tape.
Texas Business Banking, By Texans
Partner with a Texas-based team that understands your local business needs. Get responsive service, modern banking tools, and decisions made right here at home. Talk to a business banker today.
Local Team. Local Decisions.
Our business bankers live and work in your community—so your business gets fast answers from people who know your market. Experience the difference of working with a team that’s invested in your success, ready to help with every step, and empowered to make decisions right here at home.
Treasury Management
Manage cash flow, protect against fraud and streamline operations—all with the support of our local experts. From secure Positive Pay to instant payments, we can help you earn higher returns on cash, manage your monthly cash flow, and optimize liquidity.
Local Decision Making
If your bank is changing, connect with our Texas-based Commercial Banking team for local decision-making and business solutions built for Texas operations.
Treasury Management
Manage cash flow, protect against fraud and streamline operations—all with the support of our local experts. From secure Positive Pay to instant payments, we can help you earn higher returns on cash, manage your monthly cash flow, and optimize liquidity.
"Since we've started, Extraco and Southwest Contract's relationship has been pivotal. Needing those additional funds when we don't have the cash flow coming in really helps us with lines of credit and resources that they give us."
Texas Business Banking
Built for Texans
Local decision-makers, modern tools, and a relationship-driven approach—designed specifically for Texas business owners who expect more from their bank.
Why Choose a CD With Extraco?
Local Bank. Local Focus.
Get personal support from a community bank that understands your financial goals.
Backed by the FDIC
Your deposits are FDIC-insured up to applicable limits for added peace of mind.
Local Branch Access
Stop by a local branch for help opening your CD or choosing the right term.
CD Questions? We've Got Answers.
What happens when my CD reaches maturity?
When your CD reaches maturity, the term ends and you’ll have the opportunity to withdraw your funds, renew the CD, or choose another savings option. Some CDs may automatically renew if no action is taken, so review your account disclosures or contact Extraco before your maturity date to understand your options.
Can I withdraw money from my CD before it matures?
Yes, but CDs are designed for funds you can leave on deposit for the full term. If you withdraw funds before maturity, an early withdrawal penalty will/may be imposed on all CD terms.
How can I open up a CD with Extraco?
You can open a CD online, call 1.866.EXTRACO or visit your local Extraco branch to pick the best CD option for you. With the help of a relationship banker, you can also open an account and review your maturity options.
Are Extraco CDs FDIC insured?
Extraco Banks is Member FDIC, and CDs are deposit accounts covered by FDIC insurance up to applicable limits. The FDIC states that deposits are automatically insured to at least $250,000 per depositor, per FDIC-insured bank, per ownership category, and its coverage includes certificates of deposit.
CD Interest Rates
| CD Type | APY** |
 |
2.00% |
 |
2.00% |
 |
2.00% |
 |
3.40% |
 |
3.40% |
 |
3.35% |
| * 12-month special CD must have a minimum balance of $100,000. This CD is not eligible for Bump-up CD Conversion. This CD will automatically renew into a standard 12 Month CD at the then current standard CD rate. |
|
Smart Rate Money Market Interest Rates
| Balance Up To | APY* |
 |
0.01% |
 |
1.00% |
 |
2.00% |
 |
2.25% |
 |
3.00% |
Premier Plus Money Market Interest Rates
| Balance Up To | APY* |
|
0.01% |
|
0.01% |
|
2.25% |
|
2.75% |
|
3.00% |
Save for What’s Next. Spend on What Matters.
Pair your CD with an Easy Checking Account so your savings can keep growing while you stay ready for summer plans, family trips, everyday purchases and the moments that matter most.
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Smarter Banking Starts With Digital Safety
For over 120 years, Extraco has helped Central Texans bank with confidence. That same trusted approach continues today through modern digital tools designed to help protect your information, spot potential scams and manage your money with ease.
Important Disclosures and Information
*Annual Percentage Yield (APY) may change at the bank’s discretion.- 4.00% APY available on a 12, 18, & 24-month Certificates of Deposit with $1,000 minimum deposit. Open to new and existing customers.
- Fees may reduce earnings. Rates are subject to change. Early withdrawal penalties will/may be imposed on all CD terms.
-
Rates are accurate as of 5.21.26
