In observance of Columbus Day, our La Porte, Baytown, Seabrook offices, and the Call Center will be CLOSED on Monday, October 14, 2024. 

HEB Deer Park location will be OPEN. 

Regular Hours will Resume Tuesday, October 15, 2024.

 

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Deposit Rates

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Deposit Rates

Savings Accounts

Savings Accounts
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
Regular Shares $100.00 0.05% 0.05%
Money Market $10,000 – $24,999.99 0.85% 0.85%
Money Market $25,000+ 0.95% 0.95%
Money Market < $10,000 0.80% 0.80%
Christmas Club $5.00 0.05% 0.05%
Vacation Club $5.00 0.05% 0.05%

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*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. All Rates & Terms are subject to change without notice.

Checking Accounts

Checking Accounts
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
Checking Account $0 0.00% 0.00%
Reward Checking – Qualified Accounts $0 – $20,000 1.00% 1.00%
Reward Checking – Qualified Accounts over $20,000.01 0.05% 0.05%
Reward Checking – Non-Qualified Accounts any 0.00% 0.00%
Club Checking $0 0.00% 0.00%
Fresh Start Checking $25.00 0.00% 0.00%
Youth Spending $0 0.00% 0.00%

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*APY = Annual Percentage Yield Minimum balance required to earn the advertised annual percentage yield. All Rates & Terms are subject to change without notice.

Vision Reward Checking Account – qualifications must be met. See account details for more information. Takes them to our vision rewards page where we have the following disclosures: Courtesy Pay and Overdraft privileges are only available on accounts in good standing. Rate quoted as of January 8,2024. Rates and monthly qualification cycle dates are subject to change without notice. Reward Rate of 1.00% APY will be paid during each monthly cycle when the minimum qualifications are met. ATM refunds credited when all qualifications are met; only US ATMs -International ATMs do not qualify. Maximum five dollars ($5.00) per transaction and twenty dollars ($20.00) monthly maximum. Base rate of 0.05% APY will still function as a checking account however it will not receive ATM fee refunds for that time period.

** Transactions must be cleared by the qualification end date.

IRA Savings Accounts

IRA Savings Accounts
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
IRA Savings $5.00 0.15% 0.15%
Roth IRA Savings $5.00 0.15% 0.15%

Open an Account

*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. A penalty will be charged for early withdrawal. All Rates & Terms are subject to change without notice.

Certificate

Certificate
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
6 mos. Cert $1,000.00 4.17% 4.25%
12 mos. Cert $1,000.00 4.17% 4.25%
18 mos. Cert $1,000.00 4.22% 4.30%
24 mos. Cert $1,000.00 3.69% 3.75%
36 mos. Cert $1,000.00 3.20% 3.25%
48 mos. Cert $1,000.00 3.11% 3.15%
60 mos. Cert $1,000.00 3.20% 3.25%

Open an Account

*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. A penalty will be charged for early withdrawal. All Rates & Terms are subject to change without notice

 

Jumbo Certificates: $90,000 minimum; rates vary.

 

Youth Certificates: minimum balance is $500.00.

IRA Certificate

IRA Certificate
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
6 mos. IRA Cert $1,000.00 4.26% 4.35%
12 mos. IRA Cert $1,000.00 4.17% 4.25%
18 mos. IRA Cert $1,000.00 3.74% 3.80%
24 mos. IRA Cert $1,000.00 3.69% 3.75%
36 mos. IRA Cert $1,000.00 3.30% 3.50%
48 mos. IRA Cert $1,000.00 3.20% 3.25%
60 mos. IRA Cert $1,000.00 3.20% 3.25%

Open an Account

*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. A penalty will be charged for early withdrawal. All Rates & Terms are subject to change without notice.

 

Jumbo Certificates: $90,000 minimum; rates vary.

 

Youth Certificates: minimum balance is $500.00.

 

Roth IRA Certificate

Roth IRA Certificate
Effective Date: Thursday, October 10th, 2024
DescriptionMinimum BalanceDividend RateAPY**
6 mos. Roth IRA Cert $1,000.00 4.17% 4.25%
12 mos. Roth IRA Cert $1,000.00 4.65% 4.75%
18 mos. Roth IRA Cert $1,000.00 4.70% 4.80%
24 mos. Roth IRA Cert $1,000.00 4.70% 4.80%
36 mos. Roth IRA Cert $1,000.00 3.20% 3.25%
48 mos. Roth IRA Cert $1,000.00 3.35% 3.40%
60 mos. Roth IRA Cert $1,000.00 3.44% 3.50%

Open an Account

*APY= Annual Percentage Yield. Minimum balance required to earn the advertised annual percentage yield. A penalty will be charged for early withdrawal. All Rates & Terms are subject to change without notice.

 

Jumbo Certificates: $90,000 minimum; rates vary.

 

Youth Certificates: minimum balance is $500.00.

My First Auto Loan

**$250 cash back on every Auto Loan! 

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Youth Spending Accounts

  • No monthly fees
  • Your own ATM/Debit Card
  • Online and mobile banking
  •  Scholarship opportunities
  • Ages 10-18

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Scholarships

You’ve got class. We’ve got cash! Apply today: One of three $2,000 scholarships or One of three $1,000 scholarships!

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