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Savings Accounts

Basic Savings Account

Our Savings Account allows you to earn interest with a lower balance and have convenient access to funds. There is a $100 minimum opening balance and a $3.00 fee if the balance falls below $100 during a statement cycle. Customers are allowed 6 transactions per cycle by pre-authorized, automatic, or telephone transfers.

Benefits include:

 


Certificates of Deposit

A Certificate of Deposit will earn you a high rate of return on your money. There is a $1,000 minimum opening balance with terms ranging from 6-60 months and there is a penalty for early withdrawal. Opening a Certificate of Deposit at Spirit of Texas Bank is an excellent way to make your money work for you!

 


Investment Retirement Accounts

Save for your future by investing in an IRA. Our IRAs are ideal when investing your pre-tax earnings, which are tax deferred. There is a $1,000 minimum opening balance with terms from 12-60 month, and there is a penalty for early withdrawal. Your contributions may be tax-deductible if you meet certain eligibility requirements!