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	:              :  :  »Treasury Gateway Portal »e-FX Home »  About Us »  Correspondent Banking »  Escrows Online Personal Account Rates » Certificates of Deposit (CDs) » Checking Accounts » Money Market & Savings Accounts Certificates of Deposit (CDs) Amegy offers a variety of CDs terms that may be used for general investments, traditional IRAs, Roth IRAs and 401(k) rollovers. All CDs keep your principal balance safe from market fluctuations while paying a competitive rate of interest. IRA CD Earn competitive, fixed interest rates when safety and a guaranteed return are important. Hide Rates.. Term Interest Rate APY 30 Days .250% .25% 60 Days .349% .35% 90 Days .499% .50% 180 Days .747% .75% 330 Days .946% .95% 1 Year 1.094% 1.10% 18 Month 1.342% 1.35% 2 Year 1.440% 1.45% 30 Month 1.490% 1.50% 3 Year 1.539% 1.55% 5 Year 1.933% 1.95% Go to Top Jumbo IRA CD Earn competitive, fixed interest rates when safety and a guaranteed return are important. Hide Rates.. Term Interest Rate APY 30 Days .250% .25% 60 Days .349% .35% 90 Days .499% .50% 180 Days .747% .75% 330 Days .946% .95% 1 Year 1.094% 1.10% 18 Month 1.342% 1.35% 2 Year 1.440% 1.45% 30 Month 1.490% 1.50% 3 Year 1.539% 1.55% 5 Year 1.933% 1.95% Go to Top Jumbo Personal Internet CD Apply Online Learn More Earn a higher rate when you open a CD online. The best investment when safety and a guaranteed return are important. Hide Rates.. Term Interest Rate APY 90 Days .698% .70% 180 Days .946% .95% 1 Year 1.292% 1.30% Go to Top Jumbo Personal CD Earn competitive, fixed interest rates when safety and a guaranteed return are important. Hide Rates.. Term Interest Rate APY 30 Days .250% .25% 60 Days .349% .35% 90 Days .499% .50% 180 Days .747% .75% 330 Days .946% .95% 1 Year 1.094% 1.10% 18 Month 1.342% 1.35% 2 Year 1.440% 1.45% 30 Month 1.490% 1.50% 3 Year 1.539% 1.55% 5 Year 1.933% 1.95% Go to Top Personal CD Earn competitive, fixed interest rates when safety and a guaranteed return are important. Hide Rates.. Term Interest Rate APY 30 Days .250% .25% 60 Days .349% .35% 90 Days .499% .50% 180 Days .747% .75% 330 Days .946% .95% 1 Year 1.094% 1.10% 18 Month 1.342% 1.35% 2 Year 1.440% 1.45% 30 Month 1.490% 1.50% 3 Year 1.539% 1.55% 5 Year 1.933% 1.95% Go to Top Personal Internet CD Apply Online Learn More Earn a higher rate when you open a CD online. The best investment when safety and a guaranteed return are important. Hide Rates.. Term Interest Rate APY 90 Days .698% .70% 180 Days .946% .95% 1 Year 1.292% 1.30% Go to Top Click here for Certificates of Deposit (CDs) disclosures. *Rate Information: The interest rate for your fixed rate CD will be paid until the maturity date. The Annual Percentage Yield (APY) is accurate as of date viewed and assumes interest remains on deposit until maturity and a withdrawal will reduce earnings. Interest is compounded monthly and will be credited monthly. Minimum Balance Requirements: You must deposit $1,000 to open a Certificate of Deposit - CD or $250 for IRA CDs. You must deposit $10,000 to open a Personal Internet CD and $100,000 to open a Jumbo Personal Internet CD. Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual on Non-Cash Deposits: Interest begins to accrue no later than the business day you deposit noncash items (for example, checks.) Transaction Limitations: After the account is opened, you may not make deposits into or withdrawals from this account until maturity. Early Withdrawal Penalty: If the maturity of the time deposit is seven to 29 days or any portion thereof, the depositor will forfeit an amount equal to seven days simple interest on the amount withdrawn. Maturity of the deposit is at least 30 days but less than 1 year, or any portion thereof, the depositor will forfeit an amount equal to 30 days simple interest on the amount withdrawn. If the maturity of the time deposit is at least one year, but less than two years, or any portion thereof, the depositor will forfeit an amount equal to 90 days simple interest on the amount withdrawn. If the maturity is two years or more, the depositor will forfeit an amount equal to 180 days simple interest on the amount withdrawn. All bonus interest in excess of the stated rate of the time deposit earned or that could have been earned as a result of a promotional program will be forfeited. Penalty will be waived if depositor dies or is declared incompetent. Renewal Policy: The grace period for the automatically renewing CD is 10 calendar days from the maturity date to withdraw your funds without being charged a penalty. For CDs with terms of less than 30 days, the grace period is 3 calendar days. Changes to the term may be made during the grace period. RISING RATE: Option available on 1 year, 18 month, 2 years, and 3 years CDs, excluding CDs opened online. Once during the term of the CD, the customer has the option of presenting a certificate to raise the rate to the then current chart rate for a CD of similar term and will receive that rate for the remainder of the term. Please refer to the Personal Banking Pricing Schedule available at any Amegy Bank Center for additional account and fee information. Checking Accounts Checking accounts that work for the way you live. Amegy Platinum Checking With three interest tiers, Amegy Platinum Checking offers you highly competitive interest rates for every tier and low fees. Hide Rates.. Balance Interest Rate APY $0-$24,999.99 .300% .30% $25,000+ .399% .40% $100,000+ .837% .84% Go to Top Free Checking With Interest A real value for those who want to earn interest and enjoy the convenience of direct deposits. Hide Rates.. Balance Interest Rate APY $0+ .050% .05% Go to Top Interest Checking The best checking account option for those who want to earn interest and balance requirements are not a problem. Hide Rates.. Balance Interest Rate APY $0-$2,499.99 .050% .05% $2,500+ .050% .05% Go to Top Smart Yield Checking Apply Online Learn More A perfect account for people on the go who enjoy the convenience of electronic banking and want to earn the highest rate possible on their checking dollars. Rates shown below apply to qualified balances. A rate of .05% (.05% APY) is paid on non-qualified balances. Hide Rates.. Balance Interest Rate APY Qualified Portion of the Balance Up to $25,000 1.982% 2.00% Qualified Portion of the Balance > $25,000 .499% .50% Non-Qualified Balance .050% .05% Go to Top Click here for Checking Accounts disclosures. *Rate Information: The Annual Percentage Yield (APY) and Interest Rate for your account are variable, may change at any time at the Bank's discretion and are accurate as of date viewed. Interest is compounded monthly and will be credited monthly. Fees may reduce earnings on your account. Minimum Balance Requirements: The minimum deposit required to open a checking account is $50 with the exception of Smart Yield Checking. The minimum deposit required to open a Smart Yield Checking account is $50 at an Amegy Banking Center; $1,000 if opened online. Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual on Non-Cash Deposits: Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items. 1 To earn the advertised APY, the following product requirements must be met each month the day before the statement cycle ends: One (1) direct deposit of payroll, Social Security check or retirement benefits or two (2) ACH debits; have an Amegy Bank Visa Debit Card and have at least 10 net signature based transactions posted to your account (Net signature based transactions posted equals signature based debits minus signature based credits. Does not include ATM transactions or purchases made using your PIN); receive monthly eStatements which are automatically provided, a fee of $10 per month will be charged for paper statements; enroll in Bank-at-Home Online Banking and log in at least one time per month; and have a valid email address. If any of the requirements are not met, a lower APY will be paid on the entire balance for the statement cycle. Please refer to the Personal Banking Pricing Schedule available at any Amegy Bank Center for additional account and fee information. Money Market & Savings Accounts You work hard for your money. We help your money return the favor. Personal Internet MMSavings Apply Online Learn More A high-yield money market account available exclusively online. The right account when it’s more important to earn a high rate than writing checks. Hide Rates.. Balance Interest Rate APY $0 - $999 0% 0% $1,000-$9,999.99 .896% .90% $10,000-$24,999.99 .946% .95% $25,000-$49,999.99 .995% 1.00% $50,000-$99,999.99 1.045% 1.05% $100,000+ 1.094% 1.10% Go to Top Personal Money Market A great savings account for those with higher balances who want to maximize earnings. Hide Rates.. Balance Interest Rate APY $0-$9,999.99 .150% .15% $10,000-$24,999.99 .150% .15% $25,000-$49,999.99 .200% .20% $50,000-$99,999.99 .300% .30% $100,000-$249,999.99 .598% .60% $250,000+ .747% .75% Go to Top Personal Money Market Plus A money market account that pays a higher rate of interest than the Personal Money Market for those who maintain higher balances. Hide Rates.. Balance Interest Rate APY $0-$249,999.99 .300% .30% $250,000-$499,999.99 .747% .75% $500,000-$749,999.99 .797% .80% $750,000-$999,999.99 .896% .90% $1,000,000+ .946% .95% Go to Top Personal Savings A perfect savings account with a low monthly balance requirement for those who are just getting started building their fortune. Hide Rates.. Balance Interest Rate APY $0+ .250% .25% Go to Top Relationship Money Market A money market account exclusive to Amegy checking customers. Earns higher rates when this account is linked to an Amegy personal checking account. Hide Rates.. Balance Interest Rate APY $0-$9,999.99 .250% .25% $10,000+ .250% .25% $25,000-$49,999.99 .300% .30% $50,000-$99,999.99 .399% .40% $100,000-$249,999.99 .698% .70% $250,000+ .847% .85% Go to Top Young Savers A free savings account that helps minors save. Hide Rates.. Balance Interest Rate APY $0+ .499% .50% Go to Top Click here for Money Market & Savings Accounts disclosures. *Rate Information: The Annual Percentage Yield (APY) and Interest Rate for your account are variable, may change at any time at the Bank's discretion and are accurate as of date viewed. Interest is compounded monthly and will be credited monthly. Fees may reduce earnings on your account. Minimum Balance Requirements: The minimum deposit required to open a savings and/or money market account is $100. The minimum deposit required to open a Personal Internet Money Market Savings Account is $1,000 Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual on Non-Cash Deposits: Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items. Transaction Limitations: For Savings and Money Market Accounts, Federal Regulation D limits the transactions on your account to a maximum of six transfers and/or withdrawals by pre-authorized, automatic or Telephone/Internet transfers, check, draft, or debit card during each monthly statement cycle. Checks are counted as of the date they post to your account, not the date they are written. There are no regulatory restrictions on transactions at the ATM or teller window. Additional surcharges may be assessed by other ATM owners. 2 This product requires at least one (1) linked personal checking account. Minimum combined balance when linked is $5,000 or account will be assessed a $12.00 monthly maintenance fee. Not eligible for enrollment in the Credit Card Relationship or Amegy Premier Business Relationship packages 3Eliglble for persons 18 or younger Please refer to the Personal Banking Pricing Schedule available at any Amegy Bank Center for additional account and fee information. Check Today's Interest Rates » Business Accounts Personal Deposit Accounts » Open An Account Online Personal Loans » Apply for a Loan
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