Online Bank CD Rates TX (Texas)

So today we'll bring you some On-line CD Rates in TX. Texas is a big state, so does that mean huge interest rates. I've heard their cockroaches are as big as skateboards and their spiders are as large as cars.QQ0-100 My favorite are the Bus sized Jackolopes. But I digress. Let's check out the certificate rates.
USAA Federal Savings Bank - San Antonio, TX (FDIC# 32188)USAA was established on 1983. They are about $32.6 Billion and nicely profitable. Maybe it is a Texas thing. Big states, big profit. They are native to TX. Maybe a healthy heaping of good 'ol Texas pride will help the rates. USAA FSB has a 1-Year at 2.25% APY and a 2-year at 2.45% APY. So, So. A 4-year Jumbo IRA is paying 3.00% APY. With Fed funds at practically 0%, that is pretty good. Although USAA is not open to everyone. You have to be a part of the military or a family member of someone in the military.
Comerica Bank - Dallas, TX (FDIC# 983)First, check-out the FDIC#. established on March 5, 1849. That is old. They were originally The Detroit Bank and Trust company. They switched their name in 1982 to Comerica Bank-detroit (Yes, with a little "d"). They gulped down just about every bank in Michigan. In 1991, they removed "-detroit". They continued gobbling up banks in MI,CA, FL, and TX. Finally, in 2007 Comerica Bank moved to TX. They are big, about $67.6 Billion, but they aren't native to TX. They have 1.00% APY for up to 1Y and a 2.00$ APY for a 2-year CD to 10-year CD. They were profitable for the year though. That is rare these days.
The American National Bank of Texas - Terrell, TX (FDIC# 23474)I just loved the name of the bank. But hopefully, it HD0-100doesn't become an omen for nationalizing the banking system. ANB of TX is about $2 Billion in assets and also profitable. So from what I found, for the most part, TX has a solid set of banks. American National was established on 1981. With a name like, "The American National Bank", I thought for sure this would be an oldie. Rate data wasn't available on their website.
Guaranty Bank - Dallas, TX (FDIC# 32618)Guaranty Bank has an interesting product, the JumboUp CD. It is a set-up CD and only requires an initial deposit of $10,000. They have a 16-month and 24-month option. The rates step-up every 4-months and 6-months respectively. The interest rates average out to a respective 2.22% APY and 2.32% APY. One problem is, Guaranty Bank also has a 1-year and 16-month CD that are paying a better} yield. However, the step-up (or JumboUp) 24-month CD pays a higher yield than the fixed 2-year term. They were established on 1988. They are about $15 Billion in assets. They do have a loss of about $420 Million. Ouch! That is way down from an $89 Million dollar profit in 2007. Stay away from the QQ0-300Riverboats
Texas Capital Bank, NA - Dallas, TX (FDIC# 34383)Texas Capital is one of the babies of the bunch. They were established on 1997, but are already $5.1 Billion in assets. And another profitable Texas Bank. But unfortunately, the on-line rates are awful. Top rate is 1.21% APY. I'm really starting to worry here.