Bank · FDIC insured
Schertz Bank & Trust Savings Rates
Schertz Bank & Trust’s best savings rate is 0.03% APY on $10,000, with its Money Market Checking. Rates checked October 16, 2026.
How Schertz Bank & Trust’s savings rates compare
Compared with banks and credit unions near San Antonio, TX, where Schertz Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Schertz Bank & Trust
0.03%APY
- Minimum
- $100
- Earns on $10,000 a year
- $3
Savings Account
Top rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
MidFirst Bank
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Schertz Bank & Trust savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.03%
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 Schertz Bank & Trust 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 Checking
0.03%APY
Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during the monthly statement cycle. Transfers/debits limited to 6 per calendar month ($5.00 excessive debit fee per debit thereafter).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. | 0.03% | $3 | Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. |
| $25,000 – $50,000Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. | 0.05% | — | Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. |
| $50,000 – $75,000Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. | 0.07% | — | Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. |
| $75,000 – $100,000Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. | 0.10% | — | Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. |
| $100,000 and upMonthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. | 0.15% | — | Monthly service charge of $8.00 with E-Statements or $10.00 with paper statements; waived with a minimum daily balance of $2,500.00 during monthly statement cycle. |
Sources (2)
- schertzbank.com/personal/consumer-products/deposit-rates
- schertzbank.com/personal/consu…oducts/personal-checking
All captured Oct 6, 2026
Savings Account
0.03%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly service charge of $5.00 is waived if a minimum daily balance of $100.00 is maintained during a calendar month.Any balance | 0.03% | $3 | Monthly service charge of $5.00 is waived if a minimum daily balance of $100.00 is maintained during a calendar month. |
Sources (2)
- schertzbank.com/personal/consumer-products/deposit-rates
- schertzbank.com/personal/consu…roducts/personal-savings
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Account
Up to 1.26%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed Rate. Substantial penalty for early withdrawal. Fees could reduce earnings | 1.26% | $126 |
| 12 monthsVariable Rate. Rate may change after account is opened. Rates are subject to change daily at our discretion. Substantial penalty for early withdrawal. Fees could reduce earnings | 1.15% | $115 |
Sources (2)
- schertzbank.com/personal/consumer-products/deposit-rates
- schertzbank.com/personal/consu…roducts/personal-savings
All captured Oct 6, 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.