Investment Rates – Time and Non-Time Accounts

Certificates of Deposit – Fixed Rate for December 16, 2024

	Interest Rate	Annual Percentage Yield
TERM		$2,500.00 and over
30 Days	1.25%	1.26%
90 Days	1.75%	1.76%
180 Days	3.80%	3.80%
1 Year	3.00%	3.04%
18 Months	3.40%	3.45%
2 Years	3.15%	3.20%
3 Years	2.25%	2.27%
4 Years	2.30%	2.32%
5 Years	2.37%	2.40%

Minimum Balance to open and minimum daily balance that must be maintained in the account to earn the stated APY is $2,500.00.
Compounding Frequency - Interest will be compounded monthly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Crediting Frequency - Interest will be credited to your account monthly. Other crediting options are available to depositors.
Early Withdrawal Penalty - Early withdrawal penalties may be imposed for withdrawal before maturity.

Individual Retirement Accounts — Fixed Rate

	Interest Rate	Annual Percentage Yield
TERM		$2,000.00 and over
1 Year	3.00%	3.03%
18 Month	3.40%	3.44%
2 Years	3.15%	3.19%
3 Years	2.25%	2.27%
4 Years	2.30%	2.32%
5 Years	2.37%	2.39%

Minimum Balance to open the account is $2,000.00.
Compounding and Crediting Frequency - Interest is compounded and credited to your account quarterly.
Early Withdrawal Penalty - Early withdrawal penalties may be imposed for withdrawal before maturity.
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Individual Retirement Accounts — Variable Rate

	Interest Rate	Annual Percentage Yield
TERM		$1,000 and over
18 Month	3.40%	3.44%

Minimum Balance to open the account is $1,000.00.
Compounding and Crediting Frequency - Interest is compounded and credited to your account quarterly.
Early Withdrawal Penalty - Early withdrawal penalties may be imposed for withdrawal before maturity.
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. The interest rates may change after the account is opened.

Investment Rate Index — Non-Time Accounts

Personal and Commercial Money Market Account

Account Balance	Interest Rate	Annual Percentage Yield
	Tiered Rate Applies
$00.01 to $39,999.99	0.90%	0.90%
$40,000.00 to $99,999.99	1.00%	1.00%
$100,000.00 to $499,999.99	1.20%	1.21%
$500,000.00 to $999,999.99	1.70%	1.71%
$1,000,000.00 and above	1.95%	1.97%

Minimum Balance to open a Personal Money Market Account-$500.00.
Minimum Balance to Open a Commercial Money Market Account - $1,000.00.
Pays on the entire daily balance in the account the stated interest rate and APY that corresponds to the applicable deposit tier. Fees may reduce earnings. The interest rates may change after the account is opened.

VIP High Yield Checking Account

Account Balance	Interest Rate	Annual Percentage Yield
	Tiered Rate Applies
$.01 to $74,999.99	0.70%	0.70%
$75,000.00 to $249,999.99	0.90%	0.90%
$250,000.00 to $499,999.99	1.00%	1.00%
$500,000.00 to $999,999.99	1.50%	1.51%
$1,000,000.00 and above	1.75%	1.76%

Minimum Balance to open account-$1,000.00
Pays on the entire daily balance in the account the stated interest rate and APY that corresponds to the applicable deposit tier. Fees may reduce earnings. The interest rates may change after the account is opened.

Commercial NOW

	Interest Rate	Annual Percentage Yield
*Sole Proprietorships and Non-Profit Organizations only.	0.70%	0.70%

Minimum Balance to open account - $500.00.
Minimum Daily Balance to earn the disclosed APY - $2,500.00.
Fees May Reduce Earnings. The interest rates may change after the account is opened.

Commercial Savings

Interest Rate	Annual Percentage Yield
0.70%	0.70%

Minimum Balance to open account-$100.00.
Minimum Daily Balance to earn disclosed APY-$100.00.
Fees May Reduce Earnings. The interest rates may change after the account is opened

Personal Savings

Interest Rate	Annual Percentage Yield
0.70%	0.70%

Minimum Balance to open account-$100.00.
Minimum Daily Balance to earn disclosed APY-$100.00.
Fees May Reduce Earnings. The interest rates may change after the account is opened

Gulf Rewards Savings Account

	Interest Rate	Annual Percentage Yield
*Only available to Gulf Rewards Checking Customers	0.75%	0.75%

Minimum Balance to open account-$100.00.
Minimum Daily Balance to earn disclosed APY-$100.00.
The interest rates may change after the account is opened.

Gulf Advantage Checking

	Interest Rate	Annual Percentage Yield
One account allowed per social security number	Tiered Rate Applies
$.01 to $24,999.99 (requirements met)	0.90%	0.90%
$25,000.00 to $50,000.00 (requirements met)	0.55%	0.90% - 0.73%
$.01 & above (requirements not met)	0.45%	0.45%

Minimum Balance to open account-$50.00.
Pays the stated interest rate and APY only on that portion of the daily balance within the specified tier. The interest rates may change after the account is opened.
To earn higher than 0.45% APY* and receive up to $35 in ATM fee refunds* perform the following each monthly qualification cycle**:
1. Make at least 12 Debit Card purchase transactions. (must post and clear during the monthly qualification cycle)
2. Receive a monthly electronic statement in lieu of a paper statement
3. Have at least one Direct Deposit or ACH Auto Debit (must post and clear during the monthly qualification cycle)
*.90% Annual Percentage Yield (APY) paid on daily balances between one penny and $24,999.99 each monthly qualification cycle the three minimum requirements are met. Daily balances between $25,000.00 and $50,000.00 will earn an APY ranging from 0.90% to 0.55% depending on the daily balance in the account. (The APY of 0.73% corresponds to an assumed daily balance of $50,000.00; the APY of 0.90% corresponds to an assumed daily balance of $25,000.00) If you do not meet the three requirements per cycle as stated above, your account will still function as a free checking account earning 0.45% APY; however, it will not receive ATM fee refunds for that time period. If all account requirements are met during the qualification cycle, ATM fees of $4.99 or less will be automatically reimbursed up to a maximum of $4.99 per individual transaction, while those of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. In no circumstance, however, will the maximum reimbursement exceed $35.00 per qualification cycle. APYs accurate as of 12/16/2024. The interest rates may change after the account is opened.
**The monthly qualification cycle is generally the statement cycle, but the specific cut-off date for transactions to qualify varies from month to month; customers are advised of the actual date ahead of time via a monthly email.
***Accounts closed within 30 days of opening will be assessed a $15 fee. NSF Return Item Fees &/or Overdraft Paid Item Fees may apply.

Health Savings NOW

Account Balance	Interest Rate	Annual Percentage Yield
	Tiered Rate Applies
$1,000.00 to $4,999.99	0.70%	0.70%
$5,000.00 & above	0.75%	0.75%

Minimum Balance to open account-$50.00.
Pays on the entire daily balance in the account the stated interest rate and APY that corresponds to the applicable deposit tier. Fees May Reduce Earnings. The interest rates may change after the account is opened.

The interest rates and annual percentage yields on this sheet are accurate as of December 16, 2024.

Please contact Texas Gulf Bank at 1.800.467.7216 to obtain a Truth-In-Savings/ Reg DD disclosure of terms, conditions, fees, early withdrawal penalties, and rate information for all accounts.

Non-time accounts closed within 30 days of opening will be assessed a $15.00 fee each.

The telephone numbers you may call for current interest rate and annual percentage yield information are:

Angleton 979.849.2372
Brazosport 979.233.3536
Clute 979.297.7211
CityCentre 281.888.3898
Friendswood 281.996.7481
Voss 713.595.7400
Lake Jackson 979.299.1308
River Oaks 979.595.7541
West Columbia 979.345.1666