Personal Account Rates

Checking Accounts

Amegy Essential Checking with Interest Apply Now Learn More

A straight-forward checking account designed for the client who uses a credit card for everyday purchases to maximize rewards and cash management. See Checking Accounts Disclosure

BalanceInterest RateAPY*
$0-$2,499.990.010%0.01%
$2,500+0.010%0.01%

Amegy Platinum Checking

With three interest tiers, Amegy Platinum Checking offers you highly competitive interest rates for every tier and low fees. See Checking Accounts Disclosure

BalanceInterest RateAPY*
$0-$24,999.990.050%0.05%
$25,000-$99,999.990.050%0.05%
$100,000+0.100%0.10%

Smart Yield Checking Apply Now 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. See Checking Accounts Disclosure

Balance Interest Rate APY*
The portion of the balance less than or equal to $25,000.00 % 0%
The portion of the balance greater than $25,000 0.20% 0.200%
If account requirements are not met 0.05% 0.050%

Checking Accounts Disclosure

*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. 

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 for additional account and fee information.

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Money Market & Savings Accounts 

Personal Internet Savings 

A savings account available exclusively online. See Money Market & Savings Accounts Disclosure

BalanceInterest RateAPY*
$1,000-$9,999.990.010%0.01%
$10,000-$24,999.990.010%0.01%
$25,000-$49,999.990.010%0.01%
$50,000+0.050%0.05%
$100,000+0.050%0.05%

Personal Internet Money Market Apply Now Learn More 

A great money market account available exclusively online for those with higher balances who want to maximize earnings, while maintaining the ability to write checks from the account. See Money Market & Savings Accounts Disclosure

BalanceInterest RateAPY*
$1,000-$9,999.990.010%0.01%
$10,000-$24,999.990.010%0.01%
$25,000-$49,999.990.010%0.01%
$50,000-$99,999.990.050%0.05%
$100,000+0.100%0.10%

Personal Money Market

A great savings account for those with higher balances who want to maximize earnings. See Money Market & Savings Accounts Disclosure

BalanceInterest RateAPY*
$0-$9,999.990.010%0.01%
$10,000-$24,999.990.010%0.01%
$25,000-$49,999.990.010%0.01%
$50,000-$99,999.990.050%0.05%
$100,000-$249,999.990.050%0.05%
$250,000+0.050%0.05%

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. See Money Market & Savings Accounts Disclosure

BalanceInterest RateAPY*
$0-$249,999.990.050%0.05%
$250,000-$499,999.990.050%0.05%
$500,000-$749,999.990.050%0.05%
$750,000-$999,999.990.050%0.05%
$1,000,000+0.050%0.05%

Personal Savings Apply NowLearn More

A perfect savings account with a low monthly balance requirement for those who are just starting to build their fortune. See Money Market & Savings Accounts Disclosure

BalanceInterest RateAPY*
$0+0.050%0.05%

Relationship Money Market Learn More

A money market account exclusive to Amegy Checking clients. Earns higher rates when this account is linked to an Amegy Personal Checking account. See Money Market & Savings Accounts Disclosure

BalanceInterest RateAPY*
$0-$9,999.990.050%0.05%
$10,000-$24,999.990.050%0.05%
$25,000-$49,999.990.050%0.05%
$50,000-$99,999.990.050%0.05%
$100,000-$249,999.990.050%0.05%
$250,000+0.050%0.05%

Young Savers

A free savings account that helps minors save. See Money Market & Savings Accounts Disclosure

BalanceInterest RateAPY*
$0+0.150%0.15%

Money Market & Savings Accounts Disclosure

*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.

3 Eligible 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.

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Certificates of Deposit (CDs)

IRA CD

Earn competitive, fixed interest rates when safety and a guaranteed return are important. See CD Disclosure

TermInterest RateAPY*
BELOW 1 MONTH0.050%0.05%
1 MONTH +0.050%0.05%
2 MONTH +0.050%0.05%
3 MONTH +0.050%0.05%
4 MONTH +0.100%0.10%
6 MONTH +0.100%0.10%
7 MONTH +0.100%0.10%
9 MONTH +0.100%0.10%
11 MONTH +0.100%0.10%
1 YEAR +0.100%0.10%
18 MONTH +0.100%0.10%
2 YEAR +0.150%0.15%
30 MONTH +0.349%0.35%
3 YEAR +0.399%0.40%
5 YEAR +0.995%1.00%

Jumbo IRA CD

Earn competitive, fixed interest rates when safety and a guaranteed return are important. See CD Disclosure

TermInterest RateAPY*
BELOW 1 MONTH0.050%0.05%
1 MONTH +0.050%0.05%
2 MONTH +0.050%0.05%
3 MONTH +0.050%0.05%
4 MONTH +0.100%0.10%
6 MONTH +0.100%0.10%
7 MONTH +0.100%0.10%
9 MONTH +0.100%0.10%
11 MONTH +0.100%0.10%
1 YEAR +0.100%0.10%
18 MONTH +0.100%0.10%
2 YEAR +0.150%0.15%
30 MONTH +0.349%0.35%
3 YEAR +0.399%0.40%
5 YEAR +0.995%1.00%

Personal CD Learn More

Earn competitive, fixed interest rates when safety and a guaranteed return are important. See CD Disclosure

TermInterest RateAPY*
BELOW 1 MONTH0.050%0.05%
1 MONTH +0.050%0.05%
2 MONTH +0.050%0.05%
3 MONTH +0.050%0.05%
4 MONTH +0.100%0.10%
6 MONTH +0.100%0.10%
7 MONTH +0.100%0.10%
9 MONTH +0.100%0.10%
11 MONTH +0.100%0.10%
1 YEAR +0.100%0.10%
18 MONTH +0.100%0.10%
2 YEAR +0.150%0.15%
30 MONTH +0.349%0.35%
3 YEAR +0.399%0.40%
5 YEAR +0.995%1.00%

Personal Internet CD Apply Now Learn More

Earn a higher rate when you open a CD online. The best investment when safety and a guaranteed return are important. See CD Disclosure

TermInterest RateAPY*
3 MONTH +0.050%0.05%
6 MONTH +0.100%0.10%
1 YEAR +0.100%0.10%

Personal Internet Jumbo CD Apply Now Learn More

Available exclusively online for high balances, this CD is a good option to keep your principal balance safe from market fluctuations while receiving a competitive rate of interest. See CD Disclosure

TermInterest RateAPY*
3 MONTH +0.050%0.05%
6 MONTH +0.100%0.10%
1 YEAR +0.100%0.10%

CD Disclosure

*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 non-cash items (i.e. 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. 

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