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Services That are Right for You

We can help you gain the confidence you need to make important financial decisions for you, your family or your business.

Certificate of Deposit

If you're looking for a reliable way to save, a Certificate of Deposit (CD) is an excellent choice. Grow your savings with a fixed interest rate CD that meets your needs.

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Certificate of Deposit Features and Benefits

A CD is the simplest way to save if you don't need immediate access to your money. You’ll get a higher interest rate than a traditional savings or money market account. Plus a longer term will pay you a higher interest rate. Interested in CDs from Bank of South Texas? We can help you choose the option that's right for you.

Featured Offer

Earn a competitive rate of return on your money with our 6 month, 12 month and 24 month CD offer.
With a fixed term and guaranteed rate of return, this is a secure investment option for your savings.

6 Month CD Offer
INTEREST RATE 3.95% APY1 4.02%

12 Month CD Offer
INTEREST RATE 3.70% APY1 3.75%

24 Month CD Offer
INTEREST RATE 3.05% APY1 3.09%

1APY is effective as of 01/23/2025 and is subject to change without notice. $1,000.00 minimum opening deposit required to earn the annual percentage yield (APY).
CDs may be subject to early withdrawal penalty. Fees could reduce earnings on accounts.

Frequently Asked Questions

Learn more about the convenient services at Bank of South Texas.

  • Minimum balance requirement

    You must make a minimum deposit of $1,000.00 to open this account.

  • Early Withdrawal Penalty

    If we consent to a request for withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will be an amount equal to: On CDs up to 1 year term- 90 days interest penalty. On CDs over 1 year term- 183 days interest penalty.

  • Renewal Policy

    All Certificates of Deposit will Automatically Renew. You will have 10 days after the maturity date to withdraw funds without penalty.

  • 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.

Features

All of our products and services come with the latest features and benefits.

Mobile Banking

Mobile Banking

Our free Mobile Banking service makes it easy to track your spending, pay bills, send money, deposit checks, and more.

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Online Banking

Online Banking

Our user-friendly interface allows you to see bill payment activity, view balances, monitor transactions, and more.

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Instant Debit Card

Instant Debit Card

No more waiting! Walk in to any branch to open an account and walk out with your new debit card in hand - instantly!

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ATM Services

ATM Services

Bank of South Texas customers can access thousands of surcharge-free ATMs worldwide thanks to our partnership with Allpoint.

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CardValet

CardValet

The CardValet app gives you real-time alerts about your card usage with the ability to control your cards with your mobile device.

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Overdraft Program

Overdraft Program

We offer a variety of overdraft protection options that can help protect you and give you financial peace of mind.

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