CDs / Savings Accounts

What's the best way to save? The answer is, it depends. We can help you grow your money with a variety of accounts. Take a look, compare — and then open the one that's right for you, today.

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What's the Best Way to Save

What's "best" is what's right for you. And what's right for you depends on your financial goals. Choose one of the following goals that best fits your current needs, and you'll see some recommendations. Or for more options, simply compare and choose from the full list. Then, when you're ready to take the next step, we're here to help.

  • All
  • Savings
  • Money Markets
  • CDs
  • IRA
ACCOUNTS DESCRIPTION SPECIAL FEATURES MONTHLY FEE

Personal Savings

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Whether you are new to saving or been doing it for years, this is the perfect account for helping you reach your financial goals.

Simple Guide | Brochure | Rates
  • Only $50 minimum to open account
  • Competitive interest rate
  • Low balance requirement
  • Eligible for QuickSave

$5

Average collected balance or transfers required for $0 monthly fee

How to Waive
 

Personal Money Market

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This standard money market account offers competitive interest rates and a low minimum balance requirement.

Simple Guide | Brochure | Rates
  • Only $50 minimum to open account
  • Check writing privileges
  • Competitive interest rates
  • Free check images with your monthly statement
  • Access to Free Online Banking
  • Eligible for QuickSave

$7.95

Average collected balance required for $0 monthly fee

How to Waive

Premier Money Market

Open Now

Get premium interest rates for higher balances or with a Premier or Select Checking account.

Simple Guide | Brochure | Rates

Everything you get with the Personal Money Market account, plus:

  • Free incoming domestic wires
  • Free check writing privileges
  • Tiered-interest rates that increase based on the amount you have in savings
  • Get an extra .05% rate increase with Premier or Select Checking
  • Eligible for QuickSave

$15

Average collected balance required for $0 monthly fee

How to Waive

Certificates of Deposit (CD)

Schedule an Appointment

Whether you are looking for no penalty or flexibility, we offer a variety of CD options, ranging from one week to seven years.

Brochure | Rates

Interest can be credited to CD or Bank of Texas checking, savings or money market account.

  • Flexible options, ranging from seven days to seven years
  • Fixed rate with compounding interest
  • Higher interest rate with higher balances (>$100,000)
  • Get an extra .10% rate increase with Premier Checking
  • FDIC insured

$0

IRAs

Schedule an Appointment

If you are ready to start saving for the future, we offer a variety of IRA options, such as a Premier Money Market IRA, Traditional IRA and a Roth IRA.

Brochure | Rates
  • Competitive interest rates
  • Flexible terms
  • FDIC insured

$10 quarterly

Average collected balance required for $0 quarterly fee

How to Waive

Youth Savings

Schedule an Appointment

Great intro account for children.

Simple Guide | Brochure | Rates
  • Primary owner must be no older than 19 years of age and the account must be co-owned by a parent or guardian.

$0

Personal Savings

Open Now

Whether you are new to saving or been doing it for years, this is the perfect account for helping you reach your financial goals.

Simple Guide | Brochure | Rates
  • Only $50 minimum to open account
  • Competitive interest rate
  • Low balance requirement
  • Eligible for QuickSave

$5

Average collected balance or transfers required for $0 monthly fee

How to Waive
 

Youth Savings

Schedule an Appointment

Great intro account for children.

Simple Guide | Brochure | Rates
  • Primary owner must be no older than 19 years of age and the account must be co-owned by a parent or guardian.

$0

Personal Money Market

Open Now

This standard money market account offers competitive interest rates and a low minimum balance requirement.

Simple Guide | Brochure | Rates
  • Only $50 minimum to open account
  • Check writing privileges
  • Competitive interest rates
  • Free check images with your monthly statement
  • Access to Free Online Banking
  • Eligible for QuickSave

$7.95

Average collected balance required for $0 monthly fee

How to Waive

Premier Money Market

Open Now

Get premium interest rates for higher balances or with a Premier or Select Checking account.

Simple Guide | Brochure | Rates

Everything you get with the Personal Money Market account, plus:

  • Free incoming domestic wires
  • Free check writing privileges
  • Tiered-interest rates that increase based on the amount you have in savings
  • Get an extra .05% rate increase with Premier or Select Checking
  • Eligible for QuickSave

$15

Average collected balance required for $0 monthly fee

How to Waive

Certificates of Deposit (CD)

Schedule an Appointment

Whether you are looking for no penalty or flexibility, we offer a variety of CD options, ranging from one week to seven years.

Brochure | Rates

Interest can be credited to CD or Bank of Texas checking, savings or money market account.

  • Flexible options, ranging from seven days to seven years
  • Fixed rate with compounding interest
  • Higher interest rate with higher balances (>$100,000)
  • Get an extra .10% rate increase with Premier Checking
  • FDIC insured

$0

IRAs

Schedule an Appointment

If you are ready to start saving for the future, we offer a variety of IRA options, such as a Premier Money Market IRA, Traditional IRA and a Roth IRA.

Brochure | Rates
  • Competitive interest rates
  • Flexible terms
  • FDIC insured

$10 quarterly

Average collected balance required for $0 quarterly fee

How to Waive
Savings Accounts

Ready to Maximize Your Savings?

Consider an interest-bearing checking account so that all your money can work for you.

When Your Bank Means More to You Than Just Banking

We know that behind every savings account there's a goal, and at Bank of Texas we take those goals seriously. That's why we've put together some tips and tricks for reaching some of the most common goals out there.
Starting Out On Your Own

Graduating high school or college and starting out on your own can be an exciting — and sometimes scary — time. Here are a few ways you can achieve your goals — and make it on your own.
Changing Jobs

If you're changing jobs or careers, we're here for you. Learn about some ways to make your job switch easier.
Paying for College

Even if your kids are young, it's never too early to start saving for college. Learn the basics of college savings, starting with how much you'll need to save.
Buying a Home

Whether you're buying a starter house, a dream home or a vacation cottage, there are ways to make buying a home an easier and faster process. We'll show you how.
Planning for Retirement

It's never too early — or too late — to start saving for retirement. We've got some timeless tips for growing your nest egg.

What Makes Our Savings Accounts Stand Out?

Automated Savings

Using QuickSave and our automatic transfers, you can figure out how much you want to save each month, set it up once, and then "pay yourself" every month. It's the easiest way to save!

Competitive Interest Rates

All of our savings and money market accounts and our certificates of deposit offer very competitive interest rates so your money can work for you. Visit our deposit rates page for more information.

Your Financial Resources

Bank of Texas is with you on every step of your financial journey. Here are some tips and tricks that might help you along the way.

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