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Investment Rate Index - Time and Non-Time Accounts

INVESTMENT RATE INDEX - TIME AND NON-TIME ACCOUNTS
MEMBER FDIC

Certificates of Deposit - Fixed rate for April 21, 2014

Interest RateAnnual Percentage Yield
TERM$2,500 and over
Minimum Balance to open and minimum daily balance that must be maintained in the account is $2,500 to earn the stated APY.
Compounding Frequency - Interest will be compounded monthly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. 
Crediting Frequency - Interest will be credited to your account monthly. Other crediting options are available to depositors.
Early Withdrawal Penalty -
Early withdrawal penalties may be imposed for withdrawal before maturity.
 
30 Days.05%.05%
90 Days.10%.10%
180 Days.20%.20%
1 Years.30%.30%
18
month
.40%.40%
2 Years.50%.50%
3 Years.80%.80%
4 Years1.09%1.10%
5 Years1.29%1.30%

Individual Retirement Accounts - Fixed Rate

Interest RateAnnual Percentage Yield
TERM$2,000 And Over
Minimum Balance to open the account is $2,000.
Compounding and Crediting Frequency - Interest is compounded and credited to your account quarterly. 
Early Withdrawal Penalty -
Early withdrawal penalties may be imposed for withdrawal before maturity.
 
The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.
1 year.30%.30%
18 months.40%.40%
2 years.50%.50%
30 months.65%.65%
3 years.80%.80%
4 years1.10%1.10%
5 years1.29%1.30%

Individual Retirement Accounts - Variable Rate

Interest RateAnnual Percentage Yield
TERM$1,000 and Over
Minimum Balance to open the account is $1,000.
Compounding and Crediting Frequency - Interest is compounded and credited to your account quarterly.
Early Withdrawal Penalty -
Early withdrawal penalties may be imposed for withdrawal before maturity.
 
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. The interest rates may change after the account is opened.
18 months.50%.50%

Investment Rate Index - Non-Time Accounts

Interest RateAnnual Percentage Yield
Gulf Stream Money Market Account
Minimum Balance to open account-$300.
Minimum Daily Balance to earn disclosed APY-$2,500. Pays on the full balance in the account the stated interest rate and APY that corresponds to the applicable deposit tier. Fees may reduce earnings. The interest rates may change after the account is opened.
$2,500.00 to $19,999.990.05%0.05%
$20,000.00 to $39,999.990.15%0.15%
$40,000 and above0.20%0.20%
VIP High Yield Checking AccountMinimum Balance to open account-$1,000. Pays on the full balance in the account the stated interest rate and APY that corresponds to the applicable deposit tier. Fees may reduce earnings. The interest rates may change after the account is opened.
$.01 to $39,999.99.10%.10%
$40,000 to $74,999.99.15%.15%
$75,000 to $249,999.99.20%.20%
$250,000.00 and above.30%.30%
Commercial Gulf Star Now

*Sole Proprietorships and Non-Profit Organizations only. 
.05%.05%
Minimum Balance to open account - $300. 
Minimum Daily Balance to earn the disclosed APY - $2500. 
Fees May Reduce Earnings.  The interest rates may change after the account is opened.
Sand Dollar Savings.05%.05%
Minimum Balance to open account-$100.
Minimum  Daily Balance to earn disclosed APY-$100.
Fees May Reduce Earnings. The interest rates may change after the account is opened.
Gulf Rewards Savings Account

*Only available to Gulf Rewards Checking Customers.
0.10%0.10%
Minimum Balance to open account-$100.
Minimum Daily Balance to earn disclosed APY-$100. 
The interest rates may change after the account is opened.
Gulf Advantage Checking
Minimum Balance to open account-$50.
No Minimum Balance to earn disclosed APY. Pays the stated interest rate and APY only on that portion of the balance within the specified tier. The interest rates may change after the account is opened.

To earn higher than .05% APY* and receive up to $35 in ATM fee refunds* perform the following each monthly statement cycle:
1. Make at least 12 Debit Card purchase transactions.
2. Receive a monthly electronic statement in lieu of a paper statement
3. Have at least one Direct Deposit or ACH Auto Debit

*1.16% Annual Percentage Yield (APY) paid on daily balances between one penny and $25,000 each monthly statement cycle the minimum requirements are met. Daily balances greater than $25,000 will earn an APY ranging from 1.16% to .78% depending on the daily balance in the account. (The APY of .78% corresponds to an assumed daily balance of $50,000; the APY of 1.16% corresponds to an assumed daily balance of $25,000.01) If you do not meet the three requirements per cycle as stated above, your account will still function as a free checking account earning 0.05% APY; however, it will not receive ATM fee refunds for that time period. If all account requirements are met during the qualification cycle, ATM fees of $4.99 or less will be automatically reimbursed up to a maximum of $4.99 per individual transaction, while those of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches.  In no circumstance, however, will the maximum reimbursement exceed $35.00 per qualification cycle.  APYs accurate as of 4/21/2014. The interest rates may change after the account is opened.

$.01 to $25,000 (requirements met)1.15%1.16%
$25,000.01 to $50,000.00
(requirements met)
.40%1.16% - .78%
$.01 & above (requirements not met)0.05%0.05%
Health Savings AccountMinimum Balance to open account-$50. Minimum Daily Balance to earn the disclosed APY -$1,000. Fees May Reduce Earnings. The interest rates may change after the account is opened.
$1,000 to $4,999.990.05%0.05%
$5,000 & above0.10%0.10%

The interest rates and annual percentage yields on this sheet are accurate as of April 21, 2014. The interest rates may change after the account is opened.

Please contact Texas Gulf Bank at 1.800.467.7216 to obtain a Truth-In-Savings/ Reg DD disclosure of terms, conditions, fees, early withdrawal penalties, and rate information for all accounts.

The telephone numbers you may call for current interest rate and annual percentage yield information are:

Angleton 979.849.2372
Brazosport 979.233.3536
Clute 979.297.7211
Friendswood 281.996.7481
Freeport 979.299.1308
Houston 713.595.7400
Lake Jackson 979.299.1308
West Columbia 979.345.1666
West University 713.595.7451 

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Texas Gulf Bank, N.A.  1-800-467-7216   Contact Texas Gulf Bank