Save with a Certificate of Deposit

A PlainsCapital Certificate of Deposit (CD) is a great way to plan for a secure future. You'll earn competitive interest rates and enjoy FDIC protection for the period of time that matches your goal. Whether you want to build money over several days or several years, PlainsCapital offers a CD to meet your financial needs.


  • $1,000 minimum opening deposit
  • Flexible terms from seven days to five years available at varying market rates
  • Fixed and variable rates available
  • At the end of the CD’s term, you can automatically renew it, or cash it in

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Step Right Up with a Step-Up CD

With a PlainsCapital Bank Step-Up CD, you have the option to step up your rate any time during the term of your CD. Choose the term that’s right for you. You’ll get a great rate plus the flexibility to step up your rate one, two, or even three times. So no matter where rates go, you’re in control.

  • Get one step up with our 18-Month Step-Up Extendable CD. At the time of your step up, you can extend the term of your CD for another 18 months and get another step up

  • Get two step ups with our 30-Month Two-Time Step-Up CD. Step up two times of your choosing during the 30-month term

  • Get three step ups with our 40-Month Three-Time Step-Up CD. You choose when to step up, up to three times during the 40-month term

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