Savings & CDs

Saving money is a habit that pays, and ValueBank Texas can help you build it. 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.

VALUE SAVINGS

  • Perfect for those who are looking for a minimum beginning deposit.
  • Min Opening Deposit
    $50
  • Min Daily Balance
    $400 or $25 automatic transfer per month
  • Min Balance Fee
    $7.50 per quarter
  • Per Item Fee
    $3 after 6 withdrawals per quarter
  • Transaction Limits
    6 per quarter
  • Interest Paid
    yes
  • Tiered Interest
    no
  • Fixed Interest Rate
    yes

PLATINUM MONEY MARKET

  • Perfect for those who are looking for tiered interest rates with the ability to access funds "just in case."
  • Min Opening Deposit
    $2,500
  • Min Daily Balance
    $2,500
  • Min Balance Fee
    $15
  • Per Item Fee
    $10 after 6 withdrawals per month
  • Transaction Limits
    6 per month
  • Interest Paid
    yes tiered
  • Tiered Interest
    Interest Rate Tiers**
  • Fixed Interest Rate
    no

CDs

  • Perfect for those who are looking for a secure reliable return at competitive rates.
  • Min Opening Deposit
    $1,000
  • Min Daily Balance
    $1,000
  • Min Balance Fee
    no
  • Per Item Fee
    no
  • Transaction Limits
    penalties apply
  • Interest Paid
    yes – vary
  • Tiered Interest
    Vary rates
  • Fixed Interest Rate
    Term of CD

IRAs

  • Perfect for those who are planning for their future.
  • Min Opening Deposit
    $1,000
  • Min Daily Balance
    $1,000
  • Min Balance Fee
    no
  • Per Item Fee
    no
  • Transaction Limits
    penalties apply
  • Interest Paid
    yes
  • Tiered Interest
    Vary rates
  • Fixed Interest Rate
    no

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.

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 – $10,000
  • $25,000 – $50,000
  • $50,000 – $100,000
  • $100,000 or more