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Choose Your Term. Grow Your Way.
Choose Your Term. Grow Your Way.
Earn 4.00% APY* on 12, 18, 24 & 30-Month CD options starting at just $1,000.
- Great for short term goals
- $1,000 minimum to open
- Competitive Rate
- Balanced growth and flexibility
- $1,000 minimum to open
- Competitive Rate
- Great for longer-term savings
- $1,000 minimum to open
- Competitive Rate
- Excellent for longer-term savings
- $1,000 minimum to open
- Competitive Rate
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.
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 & 30-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.
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Rates are accurate as of 8.27.2026