Greater State Bank of Texas CD Rates: A Complete Guide

August 19, 2025

Greater State Bank of Texas CD Rates: A Complete Guide

Saving doesn’t have to be complicated. With a Certificate of Deposit (CD) from Greater State Bank, you can grow your money with the security of a fixed rate and the confidence that comes from banking with a team that knows you by name.

Whether you’re putting away funds for a short-term goal or setting the groundwork for long-term plans, we offer CD options to help you get there.

Current CD Rates at Greater State Bank

Below is a handy reference table for current CD APYs offered at Greater State Bank, based on the latest information:

CD Term	APY
18‑Month CD	4.17% APY
24‑Month CD	4.17% APY

These rates are notably competitive for the Texas market, offering excellent opportunities for both short- and mid‑term savers.

CD Terms That Fit Your Timeline

A hand activating a button that reads 'Short Term Investment Strategy' in the context of Greater State Bank of Texas CD rates. We offer a variety of CD terms so you can choose the one that fits your needs best. Whether you’re looking to earn interest in just a few months or want to lock in a higher rate for a longer time, there’s a term for you:

6-Month CD – A short-term option that’s good for flexible savings goals
12-Month CD – A popular choice for balanced growth and access
24-Month to 60-Month CDs – Great for longer-term plans where you won’t need the funds right away

All of our CDs come with fixed rates and quarterly interest compounding, so your money grows steadily over time.

To view current CD rates, contact your nearest Greater State Bank branch or visit our CD page.

How Our CD Rates Work

With a CD, the interest rate is locked in for the full term, so you know exactly how much your investment will earn over the time you have it in the CD. Your funds earn interest every quarter, and you can plan ahead knowing exactly what your return will be at the end of the term.

We regularly offer some of the best CD rates in Texas, especially for customers here in the Rio Grande Valley. Our rates reward both new savers and long-term planners, giving you a range of options to match your savings style.

Benefits of Opening a CD with Greater State Bank in Texas

A table displays coins and arrows alongside a graph, representing the Greater State Bank of Texas CD rates guide. Opening a CD with us isn’t just about getting a good rate; it’s about working with people who care about your financial goals. Here’s what you can expect:

Steady Growth: Fixed interest gives you a clear, predictable return
Security: Your funds are FDIC insured
Local Support: Our team is here to help, in person or by phone
Simple Process: Opening a CD is quick and straightforward
Multiple Branches: Find us in McAllen, Weslaco, Donna, Edinburg, Falfurrias, or Hebbronville

When you bank locally, you know who you’re working with, and we take that trust seriously.

Choosing the Right CD for Your Goals

The best CD for you depends on how soon you’ll need the money and what you’re saving for. Here are a few common paths:

Short-Term Goals (6–12 Months)

If you’re saving for something shortly, like a vacation, small home project, or holiday expenses, a 6- or 12-month CD gives you interest without tying up your funds too long.

Long-Term Plans (24–60 Months)

For long-term goals, like building a college fund or preparing for retirement, longer-term CDs offer higher rates. If you know you won’t need access to the money for a while, this could be a smart choice.

Want Flexibility? Try CD Laddering

Guide on obtaining a loan for a deposit, featuring Greater State Bank of Texas CD rates and options. Not sure when you’ll need your savings? A CD ladder splits your money into several CDs with different term lengths. For example:

$2,000 in a 1-year CD
$2,000 in a 2-year CD
$2,000 in a 3-year CD

As each CD matures, you can decide to use the funds or re-invest them. It is a practical way to earn interest while keeping some flexibility.

Want to read more about how CDs work and what to consider before opening one? The Consumer Financial Protection Bureau offers a clear, helpful overview.

Texas Local Support You Can Count On

At Greater State Bank, we believe personal banking should be just that, personal. When you visit our branches, you’ll talk to people who live in your community and care about helping you make smart financial decisions.

We’re here to walk you through the process, answer your questions, and help you choose the CD that’s right for your plans.

If you’re ready to grow your savings with a CD, Greater State Bank is ready to help. Visit your nearest branch or give us a call to learn more about current rates and available terms.