Personal Savings Accounts

The decision to save can help you achieve your goals in life- whether it is buying a house or car; financing an education for yourself or your children; saving for a rainy day; preparing for a comfortable retirement; or taking a dream vacation. United Texas Bank offers a variety of ways to save so that we can help you achieve those goals, but better still, we also offer peace of mind. Let us assist you in determining the right mix of accounts to fit your day-to-day and long-term needs. Please select one of the following:

Personal Lone Star Money Market

Our high yield money market account maximizes your return while still making your funds available to you on a daily basis. Not only can you write checks on our money market account, but the Lone Star Money Market also has multiple deposit interest rate tiers to increase your earning power based upon the balance in your account. Flexible tiers, great interest rates, and convenience- all in one great Texas-sized account.

  • Requires minimum opening balance of $2,500.00
  • No monthly service charge if you maintain minimum daily balance requirement of $2,500.00
  • $15.00 monthly service charge for accounts with less than $2,500.00
  • Variable, tiered interest rates are paid based upon balances in the account

Click here to view our current interest rates.

Interest Rate Information, Frequency of Interest Rate Change and Determination of Interest Rate - Your interest rate and annual percentage yield may change at any time at our sole discretion.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open the account - $2,500.00 minimum balance to open this account.

Minimum balance to avoid imposition of fees - A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic interest rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Transaction limitations - Federal Law requires that an Account Holder may make no more than six (6) transfers and/or withdrawals during any one (1) calendar month or statement cycle (the period from one statement to the next) or similar period of at least four weeks, to another of your accounts with us or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction or by check, draft, debit card, or similar order made by you and payable to third parties. A "preauthorized transfer" includes any arrangement by us to pay a third party from your account upon written or oral instruction (including an order received through an automated clearing house (ACH) or any arrangement by us to pay a third party from your account at a predetermined time or on a fixed schedule. Excess Transactions. In accordance with federal law, if you have more than the allowable preauthorized transfers or preauthorized checks or drafts (for money market accounts) in any one period, your Account may be subject to closure by us and the funds placed in another account that you are eligible to maintain, or we may take away the transfer and draft capabilities of the account. In addition, to the above preauthorized transfers, you may make unlimited withdrawals (payments directly to you or transfers of funds from your Account to any of your other deposit accounts or loan accounts with us), either in person at our locations, by mail, messenger, telephone (via check mailed to you), or use of an ATM card (if applicable).

Fees and Charges
- The following fees and charges apply to this account: Excessive Withdrawal Fee: $25.00 for each withdrawal or transfer in excess of 6 limited transactions per month or statement cycle.

Personal Savings

Give your money a chance to grow with a United Texas Bank Savings Account. Set aside money for important purchases, college funds, holiday spending or anything else that requires extra cash.

  • $3.00 monthly service charge for accounts with less than $500.00
  • No minimum opening balance required

Click here to view our current interest rates.

Interest Rate Information, Frequency of Interest Rate Change and Determination of Interest Rate - Your interest rate and annual percentage yield may change at any time at our sole discretion.

Compounding and crediting frequency - Interest will be compounded quarterly and will be credited to the account quarterly.

Minimum balance to avoid imposition of fees - A service charge fee of $3.00 will be imposed every month if the balance in the account falls below $500.00 any day of the month.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic interest rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Transaction limitations - Federal Law requires that an Account Holder may make no more than six (6) transfers and/or withdrawals during any one (1) calendar month or statement cycle (the period from one statement to the next) or similar period of at least four weeks, to another of your accounts with us or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction or by check, draft, debit card, or similar order made by you and payable to third parties. A "preauthorized transfer" includes any arrangement by us to pay a third party from your account upon written or oral instruction (including an order received through an automated clearing house (ACH) or any arrangement by us to pay a third party from your account at a predetermined time or on a fixed schedule. Excess Transactions. In accordance with federal law, if you have more than the allowable preauthorized transfers or preauthorized checks or drafts (for money market accounts) in any one period, your Account may be subject to closure by us and the funds placed in another account that you are eligible to maintain, or we may take away the transfer and draft capabilities of the account. In addition, to the above preauthorized transfers, you may make unlimited withdrawals (payments directly to you or transfers of funds from your Account to any of your other deposit accounts or loan accounts with us), either in person at our locations, by mail, messenger, telephone (via check mailed to you), or use of an ATM card (if applicable).

Fees and Charges - The following fees and charges apply to this account: Excessive Withdrawal Fee: $25.00 for each withdrawal or transfer in excess of 6 limited transactions per month or statement cycle.

Certificates of Deposit

A certificate of deposit (CD) from United Texas Bank is an important element in your investment portfolio. A CD provides a low-risk investment with flexible terms and a guaranteed rate of return, while also offering a competitive interest rate for periods ranging from 7 days to years from now. By choosing a term as long or as short as you like, you can match the exact maturity date to correspond with your future cash needs. Some benefits of a United Texas Bank CD:

  • Competitive interest rate
  • Flexible deposits: open a CD with as little as $1,000.00
  • Flexible terms
  • Fixed interest rate for the term of the deposit
  • Automatically renewable for a like term at maturity

Click here to view our current interest rates.

Interest Rate Information - You will be paid the interest rate disclosed at account opening until the maturity date of the certificate. APY stated for maturities of less than one year assumes that interest compounds at maturity and is re-invested for same term and interest rate for a one year period.

Compounding and crediting frequency - For terms of one year or less, interest will be compounded at maturity, and interest will be credited at maturity. For terms greater than one year, interest will be compounded on an annual basis, and interest will be credited on an annual basis.

Minimum balance requirement - You must deposit $1,000.00 to open a certificate of deposit. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic interest rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Transaction limitations - You may not make any deposits into your account before maturity. You may not make withdrawals of principal from your account before maturity. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity)

  • If your account has an original maturity of one year or less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of more than one year: The fee we may impose will equal six months interest on the amount withdrawn subject to penalty

Withdrawal of interest prior to maturity- The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). If you prevent renewal, interest will continue to accrue after final maturity for up to ten calendar days. The interest rate will be the current interest rate in effect for new certificates which have the same term.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty.

IRA's (Individual Retirement Accounts)

A United Texas Bank IRA can help you look forward to your retirement years with comfort and confidence, while possibly reducing your tax liability today. With our competitive interest rates, you can be assured that your retirement dollars are growing.

We offer one year and two year certificates of deposit as your investment avenue. Some benefits of a United Texas Bank IRA:

  • Competitive interest rate
  • Flexible deposits: open an IRA with as little as $500.00
  • Fixed interest rate for the term of the deposit
  • Automatically renewable for a like term at maturity
  • Tax Deductible: annual contributions to an IRA may be tax deductible. Consult your tax advisor as to the deferred status of your IRA deposits and interest earned
  • FDIC Insurance: IRA accounts are insured up to $250,000.00 per depositor and are insured separately from your other United Texas Bank deposit accounts.

Click here to view our current interest rates.

Interest Rate Information - You will be paid the interest rate disclosed at account opening until the maturity date of the certificate.

Compounding and crediting frequency - For terms of one year, interest will be compounded on a daily basis; and interest will be credited at maturity. For terms greater than one year, interest will be compounded on a daily basis; and interest will be credited annually.

Minimum balance requirement - You must deposit $500.00 to open an Individual Retirement Account.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic interest rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Transaction limitations - You may make unlimited contributions into your account. The minimum amount you can deposit is $25.00 or more.

Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity)

  • If your account has an original maturity of one year or less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of more than one year: The fee we may impose will equal six months interest on the amount withdrawn subject to penalty

Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatically renewable time account- This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). If you prevent renewal, interest will continue to accrue after final maturity for up to ten calendar days. The interest rate will be the current interest rate in effect for new certificates which have the same term.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty.

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