Bank · FDIC insured
Texas Gulf Bank Savings Rates
Texas Gulf Bank’s best savings rate is 0.65% APY on $10,000, with its Personal Money Market Account. Rates checked October 16, 2026.
How Texas Gulf Bank’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Texas Gulf Bank has the most branches. $10,000, best rate first.
This bank’s best
Texas Gulf Bank
0.65%APY
- Minimum
- $500
- Earns on $10,000 a year
- $65
Personal Money Market Account
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
Texas Gulf Bank savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0000.95%
- QualifiedQualified0.65%
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 Texas Gulf 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.
Personal Money Market Account
0.65%APY
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. Non-time accounts closed within 30 days of opening will be assessed a $15.00 fee each.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $40,000 | 0.65% | $65 |
| $40,000 – $100,000 | 0.75% | — |
| $100,000 – $500,000 | 0.95% | — |
| $500,000 – $1,000,000 | 1.51% | — |
| $1,000,000 and up | 1.76% | — |
Sources (1)
- texasgulfbank.com/investment-r…me-and-non-time-accounts · captured Oct 16, 2026
Personal Savings
0.45%APY
Interest compounded and credited quarterly. Transfers to third parties by check, POS, or TGB online are prohibited. $5.00 Debit Fee charged for each debit in excess of 5 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$3 monthly service charge per month of the quarterly statement cycle if average daily balance falls below $200.00.$100 and up | 0.45% | $45 | $3 monthly service charge per month of the quarterly statement cycle if average daily balance falls below $200.00. |
Sources (1)
- texasgulfbank.com/investment-r…me-and-non-time-accounts · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account
3.39%APY · 1 term
Variable Rate: Opening Deposit $1,000; Fixed Rate: Opening Deposit $2,000. Interest compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable Rate option; 18-month term | 3.39% | $513 |
Sources (1)
- texasgulfbank.com/investment-r…me-and-non-time-accounts · captured Oct 16, 2026
Health Savings Account
0.45%APY
Must have a high-deductible health plan. Interest compounded and credited monthly. Tiered rates apply to the entire daily balance based on applicable deposit tier. $3.00 monthly service charge if average daily balance falls below $1,000.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000$3.00 monthly service charge if average daily balance falls below $1,000.00. Pays on entire daily balance in the account. | 0.40% | — | $3.00 monthly service charge if average daily balance falls below $1,000.00. Pays on entire daily balance in the account. |
| $5,000 and up$3.00 monthly service charge if average daily balance falls below $1,000.00. Pays on entire daily balance in the account. | 0.45% | $45 | $3.00 monthly service charge if average daily balance falls below $1,000.00. Pays on entire daily balance in the account. |
Sources (1)
- texasgulfbank.com/investment-r…me-and-non-time-accounts · captured Oct 16, 2026
Closed to new customers
Gulf Rewards Savings Account
0.50%APY
Only available to Gulf Rewards Checking customers. Interest compounded and credited monthly. Transfers to third parties by check, POS, or TGB online are prohibited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAvailable only to Gulf Rewards Checking customers. Minimum daily balance of $100.00 to earn disclosed APY.$100 and up | 0.50% | $50 | Available only to Gulf Rewards Checking customers. Minimum daily balance of $100.00 to earn disclosed APY. |
Sources (1)
- texasgulfbank.com/investment-r…me-and-non-time-accounts · captured Oct 16, 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.