Savings & CDs

It’s Never too Late to Start Saving

It’s true; no matter what stage of life you are in, it’s never too late to begin saving.  Getting into the habit can be the hardest part.  Start by paying yourself first before you pay anyone else, no matter how small the amount.   The best investment you will ever make is in yourself!  We can help. Come in today and talk with one of our customer service managers to find out what type of account or investment program will help get you on the road to financial freedom.

Earn interest on your deposits while maintaining convenient access to your money.

  • $50 minimum opening deposit
  • Statement Provided Quarterly
  • Interest compounded and paid quarterly
  • Interest earned daily when collected balance is $400+
  • Link checking account for overdraft protection
  • $400 daily balance or make a monthly $25 automatic transfer from your checking account to avoid $7.50 minimum balance fee
  • Transaction limitations:  6 pre-authorized, telephone, computer or automatic transfers per quarter;
  • A per item fee of $3.00 will be assessed for each debit after 6 per statement cycle (“Debit” Any and all withdrawals made from this account, except for bank-associated fees and/or services charges)
  • FREE Transactions at ValueBank Texas ATM’s
  • FREE Internet Banking
  • FREE 24 hour telephone account inquiry
  • FREE Notary service
  • Free E-Statement

Interest:  We use the daily collected balance computation method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example: checks).  We reserve the right to at any time; require not less than 7 days in writing before each withdrawal from an interest bearing account.  Fees may reduce earnings on the account.

Annual percentage yield (APY) is variable and may change after the account is open.  Fees may reduce earnings on the account.

Platinum Money Market

A tiered, interest-bearing account for customers with larger balances and low transaction activity, designed to earn higher interest rates.

  • $2,500 minimum opening deposit
  • Earn interest daily when daily balance is $1500 or more
  • Variable rate with interest compounded and paid monthly
  • $15 minimum balance fee waived if daily balance in $2,500 or more
  • a per item fee of $10 will be assessed for each debit after 6 per statement cycle (Any and all withdrawals made from this account, except for bank-associated fees and/or services charges)
  • Monthly statement
  • FREE Transactions at ValueBank Texas ATM’s
  • FREE Internet Banking
  • FREE 24 hour telephone account inquiry
  • FREE Notary service
  • Free E-Statement with check images or checks images provided with mailed statement
  • Tiers for interest rate
    • $100,000 or more
    • $50,000 to $100,000
    • $25,000 to $50,000
    • $10,000 to $25,000
    • $2,500 to $10,000

Interest:  We use the daily collected balance computation method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example: checks).  We reserve the right to at any time; require not less than 7 days in writing before each withdrawal from an interest bearing account.  Fees may reduce earnings on the account.

Annual percentage yield (APY) is variable and may change after the account is open.  Fees may reduce earnings on the account.

Certificate of Deposit

A non-transaction account paying a guaranteed interest rate and APY for the term of the CD

  • $1,000 minimum opening deposit
  • Fixed rate for term of CD
  • Higher rates and APY available for deposits over $100,000
  • Flexible terms – 90 days to 2 years
  • 2 year step up with one time rate increase during the term is available
  • Interest may be compounded into the CD at maturity, credited to another account monthly or paid by check monthly
  • Penalty for early withdrawal
  • IRA’s available
  • Convenient automatic renewal
  • FREE Internet Banking

Interest:  We use the daily collected balance computation method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example: checks).   Fees may reduce earnings.

Valued Customer

We're Big on Small Business!  Check out what our customers are saying.   We’ve helped large and small businesses in Texas prosper for more than 30 years.  We are ready to extend our knowledge and lending expertise to you. Call or come by today!