Savings Accounts

We offer a savings product to meet your needs.

Most leading financial experts recommend having an emergency fund for unexpected expenses, as well as saving for your future.  Have you opened up your savings account yet?  If not, stop by any of our convenient locations today!

Savings Account

Whether you are just starting to save, or have funds you want to invest, we’ve got a savings account that’s right for you. And with an automatic transfer from your checking account, you can watch your savings grow!

  • A minimum initial deposit of $100.00 is required.
  • A service charge of $5.00 will be imposed every statement cycle if the balance falls below $100.00 on any day of the cycle.
  • A per item fee of $2.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during the quarter.
  • Interest will be compounded and credited to your account every quarter.
  • Interest rates are variable and subject to change.

Money Market Fund Account (Tiered Account)

Transaction Limitations

Transfers from any Money Market Fund Account to another account or to third parties by pre-authorized, automatic, or telephone transfers are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties, additional withdrawals are $1.00 per item.

  • A minimum initial deposit of $2500.00 is required.
  • If your account balance falls below $2500.00, you will earn the Savings rate.
  • A per item fee of $1.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during the statement cycle.
  • Interest rates are variable and subject to change.
  • Interest earned varies depending on daily account balance.

Certificates of Deposit

Texas Bank offers a wide range of Certificates of Deposit (CDs) from 32 day to 5 year CDs. Plus we offer 30 day to 5 year Jumbo CDs. We also have 12 month to 5 year IRA CDs.

For current rates or more information, contact us at 325-949-3721 or 1-800-700-9603.

Regarding interest-earning accounts, interest begins to accrue the business day we receive credit for the deposit of noncash items (for example, checks). We reserve the right to require seven days advance notice to withdraw or transfer funds from any interest-earning account. We currently do not exercise this right and have not exercised it in the past.