xImportant Alerts

Jefferson Bank will never initiate contact with you and ask you for account numbers, passwords, PINs, or secure access codes. Should you ever feel like your information has been compromised, please contact our Fraud Department at (210) 736-7474.

Personal Interest Rates

(Annual Percentage Yields are accurate as of: April 22, 2026)

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Relationship Checking1
INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)% MINIMUM DAILY BALANCE TO OBTAIN APY MINIMUM DEPOSIT TO OPEN
0.03% 0.03% $50 $50
Personal Savings1
INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)% MINIMUM DAILY BALANCE TO OBTAIN APY MINIMUM DEPOSIT TO OPEN
0.50% 0.50% $25 $25
Money Market Account1
TierInterest RateAnnual Percentage Yield (APY)%Minimum Daily Balance to Obtain APYMinimum Deposit to Open
1,000 to 49,999.990.75%0.75%$1,000$200
50,000 to 99,999.990.75%0.75%$50,000$200
100,000 to 499,999.991.35%1.36%$100,000$200
500,000 to 999,999.991.65%1.66%$500,000$200
1,000,000 to 2,499,999.992.00%2.02%$1,000,000$200
2,500,000 to 4,999,999.992.25%2.27%$2,500,000$200
5,000,000 to 9,999,999.992.75%2.78%$5,000,000$200
10,000,000.00 to 19,999,999.993.00%3.04%$10,000,000$200
20,000,000 & over3.00%3.05%$20,000,000$200
Certificates of Deposit - Tier 1 $1,000.00-$99,999.992,3
TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)%MINIMUM DAILY BALANCE TO OBTAIN APYMINIMUM DEPOSIT TO OPEN
1 month1.24%1.25%$1,000$1,000
3 months1.85%1.86%$1,000$1,000
6 months1.85%1.86%$1,000$1,000
9 months1.75%1.75%$1,000$1,000
12 months2.00%2.00%$1,000$1,000
18 months1.00%1.00%$1,000$1,000
24 months1.00%1.00%$1,000$1,000
36 months1.00%1.00%$1,000$1,000
Certificates of Deposit - Tier 2 $100,000.00-$499,999.992,3
TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)%MINIMUM DAILY BALANCE TO OBTAIN APYMINIMUM DEPOSIT TO OPEN
1 month1.75%1.76%$100,000$100,000
3 months2.00%2.02%$100,000$100,000
6 months2.00%2.01%$100,000$100,000
9 months1.75%1.75%$100,000$100,000
12 months2.00%2.00%$100,000$100,000
18 months1.00%1.00%$100,000$100,000
24 months1.00%1.00%$100,000$100,000
36 months1.00%1.00%$100,000$100,000
Certificates of Deposit - Tier 3 $500,000.00-$1,999,999.992,3
TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)%MINIMUM DAILY BALANCE TO OBTAIN APYMINIMUM DEPOSIT TO OPEN
1 month2.00%2.02%$500,000$500,000
3 months2.50%2.52%$500,000$500,000
6 months2.50%2.52%$500,000$500,000
9 months2.25%2.26%$500,000$500,000
12 months2.25%2.25%$500,000$500,000
Certificates of Deposit - Tier 4 $2,000,000.00 & Over2,3
TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)%MINIMUM DAILY BALANCE TO OBTAIN APYMINIMUM DEPOSIT TO OPEN
1 month2.25%2.27%$2,000,000$2,000,000
3 months3.00%3.03%$2,000,000$2,000,000
6 months2.98%3.00%$2,000,000$2,000,000
9 months2.50%2.51%$2,000,000$2,000,000
12 months2.50%2.50%$2,000,000$2,000,000
IRAs (12 Months) Fixed Rate Less than $100,0004
INTEREST RATEANNUAL PERCENTAGE YIELD (APY)%MINIMUM DAILY BALANCE TO OBTAIN APYMINIMUM DEPOSIT TO OPEN
2.00%2.00%$500$500
IRAs (12 Months) Fixed Rate $100,000 or Over4
INTEREST RATEANNUAL PERCENTAGE YIELD (APY)%MINIMUM DAILY BALANCE TO OBTAIN APYMINIMUM DEPOSIT TO OPEN
2.00%2.00%$100,000$500
IRAs (18 Months) Variable Rate1,4
INTEREST RATEANNUAL PERCENTAGE YIELD (APY)%MINIMUM DAILY BALANCE TO OBTAIN APYMINIMUM DEPOSIT TO OPEN
1.00%1.00%$500$500

Notices & Disclosures

There is a limit to the number of transfers from a savings account to another account or to a third party by pre-authorized, automatic, telephone or computer transfer, or by check, draft, debit card or similar order, to six per month or statement cycle.

The Truth in Savings Act requires disclosures to be available on all consumer deposit accounts. Please inquire at any Jefferson Bank location for a Truth in Savings Act disclosure. Deposit rates are expressed as an Annual Percentage Yield (APY) and assume that interest is received at least annually.  Fees or other conditions may reduce the earnings on the account.

1The rates may change after the account is opened.
2Penalty may be imposed for early withdrawal.
3Fees may reduce earnings
4Penalty may be imposed for early withdrawal, which may include an IRA penalty.

Jefferson Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Jefferson Bank should contact the Texas Department of Banking through one of the means indicated below:

  • In Person or U.S. Mail : 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294
  • Telephone No: (877) 276-5554, Fax No.: (512) 475-1313
  • Email: [email protected]
  • (link sends e-mail)
  • Website: www.dob.texas.gov

Investment and Insurance Products are:

  • Not insured by the FDIC or any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Deposit products offered by Jefferson Bank. Member FDIC

NMLS# 597833