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Investment Rates

Investment Rate Index - Time and Non-Time Accounts

Certificates of Deposit — Fixed Rate for January 18, 2020

  Interest Rate Annual
Percentage Yield
 
TERM     $2,500.00 and over

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.

30 Days 0.05% 0.05%
90 Days 0.15% 0.15%
180 Days 0.20% 0.20%
1 Year 0.25% 0.25%
18 month 0.30% 0.30%
2 Years 0.35% 0.35%
3 Years 0.50% 0.50%
4 Years 0.60% 0.60%
5 Years 0.75% 0.75%

Individual Retirement Accounts — Fixed Rate

  Interest Rate Annual
Percentage Yield
 
TERM     $2,000.00 and over

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.

1 Year 0.25% 0.25%
18 month 0.30% 0.30%
2 Years 0.35% 0.35%
30 months 0.43% 0.43%
3 Years 0.50% 0.50%
4 Years 0.60% 0.60%
5 Years 0.75% 0.75%

Individual Retirement Accounts — Variable Rate

  Interest Rate Annual Percentage Yield  
TERM     $1,000.00 and over

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.

18 month 0.35% 0.35%

Investment Rate Index — Non-Time Accounts

  Interest Rate Annual
Percentage Yield
 
Gulf Stream Money Market Account     Tiered Rate Applies

Minimum Balance to open account-$300.00.
 
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.

$00.01 to $39,999.99 0.05% 0.05%
$40,000.00 to $99,999.99 0.10% 0.10%
$100,000.00 to $499,999.99 0.15% 0.15%
$500,000.00 to $999,999.99 0.20% 0.20%  
$1,000,000.00 and above 0.30% 0.30%  
VIP High Yield Checking Account     Tiered Rate Applies

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.

$.01 to $74,999.99 0.05% 0.05%
$75,000.00 to $249,999.99 0.10% 0.10%
$250,000.00 to $499,999.99 0.15% 0.15%
$500,000.00 to $999,999.99 0.20% 0.20%
$1,000,000.00 and above 0.30% 0.30%  

Commercial Gulf Star NOW

*Sole Proprietorships and Non-Profit Organizations only. 

0.05% 0.05% Minimum Balance to open account - $300.00.
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 0.05% 0.05% 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

Sand Dollar Savings

0.05% 0.05% 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

*Only available to Gulf Rewards Checking Customers

0.10% 0.10% 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 
One account allowed per social security number

Tiered Rate Applies

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 0.05% 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)
*0.50% 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 0.50% to 0.33% depending on the daily balance in the account. (The APY of 0.33% corresponds to an assumed daily balance of $50,000.00; the APY of 0.50% 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 0.05% 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 1/18/2020. 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.

$.01 to $24,999.99 (requirements met) 0.50% 0.50%
$25,000.00 to $50,000.00
(requirements met)
0.15% 0.50% - 0.33%
$.01 & above (requirements not met) 0.05% 0.05%
Health Savings NOW     Tiered Rate Applies

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.

$1,000.00 to $4,999.99 0.05% 0.05%
$5,000.00 & above 0.10% 0.10%

The interest rates and annual percentage yields on this sheet are accurate as of January 18, 2020.

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
West Columbia 979.345.1666
West University 713.595.7451 

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About TGB

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Help & Support

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  • Privacy & Security
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  • What documentation do I need to apply for a loan or open an account?
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