Bank · FDIC insured
Gulf Capital Bank Savings Rates
Top CarrotGulf Capital Bank’s best savings rate is 1.06% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Gulf Capital Bank’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Gulf Capital Bank has the most branches. $10,000, best rate first.
This bank’s best
Gulf Capital Bank
1.06%APY
- Minimum
- $100
- Earns on $10,000 a year
- $106
Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Gulf Capital Bank savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.06%
- $100,000 balance$100,0001.16%
- QualifiedQualified1.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Gulf Capital Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market
1.06%APY
$15 monthly service charge if average daily balance falls below $2,500. Interest is compounded and credited monthly. Rates and APY may change at any time without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $100,000$15 monthly service charge if average daily balance falls below $2,500. Interest compounded and credited monthly. | 1.06% | $106 | $15 monthly service charge if average daily balance falls below $2,500. Interest compounded and credited monthly. |
| $100,000 – $250,000$15 monthly service charge if average daily balance falls below $2,500. Interest compounded and credited monthly. | 1.16% | — | $15 monthly service charge if average daily balance falls below $2,500. Interest compounded and credited monthly. |
| $250,000 – $500,000$15 monthly service charge if average daily balance falls below $2,500. Interest compounded and credited monthly. | 1.26% | — | $15 monthly service charge if average daily balance falls below $2,500. Interest compounded and credited monthly. |
| $500,000 and up$15 monthly service charge if average daily balance falls below $2,500. Interest compounded and credited monthly. | 3.04% | — | $15 monthly service charge if average daily balance falls below $2,500. Interest compounded and credited monthly. |
Sources (2)
All captured Sep 17, 2026
Savings Account
1.00%APY
Interest on all savings accounts will be compounded and credited monthly. The interest rate and annual percentage yield may change at any time without notice at bank discretion. $15 monthly service charge waived if average daily balance is $2,500 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$15 monthly service charge if average daily balance falls below $2,500.Any balance | 1.00% | $100 | $15 monthly service charge if average daily balance falls below $2,500. |
Sources (3)
- gulfcapitalbank.com/deposit-cd-rates
- gulfcapitalbank.com/tab/person…banking-personal-savings
- gulfcapitalbank.com/personal-banking
All captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.