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Savings

Let’s start filling your piggy bank.

Saving money is a habit that pays. At ValueBank Texas, we offer a variety of savings and CD accounts to help you prepare for any short or long-term goals you might have. It’s never too late to start saving. Come by today to open an account.

FIND A BRANCH

Value Savings
An Account That Pays Low Interest With A Low Minimum Opening Deposit		 RIsing Star Youth Savings
An AccountT To Inspire Smart Savings Habits 		Value Money Market
For Those Looking For Tiered Interest Rates With The Ability To Access Emergency Funds		CDS
For Those Looking For A Secure, Reliable Return At Competitive Rates		IRAS
For Those Planning For Their Future
Minimum Opening Deposit
Value Savings
An Account That Pays Low Interest With A Low Minimum Opening Deposit
$50
RIsing Star Youth Savings
An AccountT To Inspire Smart Savings Habits
$20
Value Money Market
For Those Looking For Tiered Interest Rates With The Ability To Access Emergency Funds
$2,500
CDS
For Those Looking For A Secure, Reliable Return At Competitive Rates
$1,0002
IRAS
For Those Planning For Their Future
$1,000
Minimum Daily Bal. to Avoid Fee & Earn Interest
Value Savings
An Account That Pays Low Interest With A Low Minimum Opening Deposit
$400
RIsing Star Youth Savings
An AccountT To Inspire Smart Savings Habits
$0
Value Money Market
For Those Looking For Tiered Interest Rates With The Ability To Access Emergency Funds
$2,500
CDS
For Those Looking For A Secure, Reliable Return At Competitive Rates
$1,000
IRAS
For Those Planning For Their Future
$1,000
Minimum Balance Fee
Value Savings
An Account That Pays Low Interest With A Low Minimum Opening Deposit
$12 per quarter
RIsing Star Youth Savings
An AccountT To Inspire Smart Savings Habits
$0
Value Money Market
For Those Looking For Tiered Interest Rates With The Ability To Access Emergency Funds
$15
CDS
For Those Looking For A Secure, Reliable Return At Competitive Rates
None
IRAS
For Those Planning For Their Future
None
Per Item Fee
Value Savings
An Account That Pays Low Interest With A Low Minimum Opening Deposit
$6 after six withdrawals per quarter
RIsing Star Youth Savings
An AccountT To Inspire Smart Savings Habits
$6 after six withdrawals per quarter
Value Money Market
For Those Looking For Tiered Interest Rates With The Ability To Access Emergency Funds
$10 after six withdrawals per month
CDS
For Those Looking For A Secure, Reliable Return At Competitive Rates
None
IRAS
For Those Planning For Their Future
None
Transaction Limits
Value Savings
An Account That Pays Low Interest With A Low Minimum Opening Deposit
Six per quarter
RIsing Star Youth Savings
An AccountT To Inspire Smart Savings Habits
Six per quarter
Value Money Market
For Those Looking For Tiered Interest Rates With The Ability To Access Emergency Funds
Six per month
CDS
For Those Looking For A Secure, Reliable Return At Competitive Rates
Penalties apply for early withdrawals
IRAS
For Those Planning For Their Future
Penalties apply for early withdrawals
Interest Paid Minimum Daily Balance to Earn Interest
Value Savings
An Account That Pays Low Interest With A Low Minimum Opening Deposit
Yes1
$400
RIsing Star Youth Savings
An AccountT To Inspire Smart Savings Habits
Yes1
$0
Value Money Market
For Those Looking For Tiered Interest Rates With The Ability To Access Emergency Funds
Yes1
$2,500
CDS
For Those Looking For A Secure, Reliable Return At Competitive Rates
Yes1
$1,000
IRAS
For Those Planning For Their Future
Yes1
$1,000
Tiered Interest
Value Savings
An Account That Pays Low Interest With A Low Minimum Opening Deposit
No
RIsing Star Youth Savings
An AccountT To Inspire Smart Savings Habits
No
Value Money Market
For Those Looking For Tiered Interest Rates With The Ability To Access Emergency Funds
Interest Rate Tiers**
CDS
For Those Looking For A Secure, Reliable Return At Competitive Rates
Rates vary
IRAS
For Those Planning For Their Future
Rates vary
Fixed Interest Rate
Value Savings
An Account That Pays Low Interest With A Low Minimum Opening Deposit
No
RIsing Star Youth Savings
An AccountT To Inspire Smart Savings Habits
No
Value Money Market
For Those Looking For Tiered Interest Rates With The Ability To Access Emergency Funds
No
CDS
For Those Looking For A Secure, Reliable Return At Competitive Rates
Term of CD
IRAS
For Those Planning For Their Future
Term of CD
Disclosures
  1. 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 at any time to require not less than 7 days in writing before each withdrawal from a savings account. Fees may reduce earnings on the account.
  2. The 2-Year Step Up CD requires a minimum opening deposit of $5,000.00.  If interest rates increase, this CD allows you to change to the new higher rate only one time during the 2-year term.

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

** Interest Rate Tiers: $2,500 – $9,999; $10,000 – $24,999; $25,000 – $49,999; $50,000 – $99,999; $100,000 or more