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Savings / CDs / IRAs
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 Sand Dollar Savings
This savings account keeps your funds accessible and pays a competitive interest rate, which is compounded and paid quarterly. You do not incur a service charge when you keep a minimum average daily balance of $200. You do not incur debit fees when you limit your withdrawals to two per month (excluding electronic funds transfers).
Gulf Rewards Savings
[Gulf Rewards checking customers only]
Combine all your personal accounts at Texas Gulf Bank, N.A. with your Gulf Rewards Checking and Savings accounts. You will not pay maintenance fees and will receive a slightly higher interest rate than the Sand Dollar Savings account provides. Gulf Rewards only requires $100 to open, and you receive a single, easy-to-read monthly statement that summarizes your activity in every account.
Certificate of Deposit
Earn a competitive interest rate for the duration of your time deposit with a Texas Gulf Bank Certificate of Deposit.
Individual Retirement Accounts (IRAs)
Save for your retirement years with a Texas Gulf Bank IRA. You and your spouse may annually invest up to $5,000 each, even if you already participate in an employer-sponsored plan. Individuals 50 and over may contribute an additional $1,000 each for tax year 2009. If you are interested in Trust Management, see here.
Health Savings Accounts (HSAs)
Health Savings Accounts help you and your family members save for future health expenses tax-free when you have a high-deductible health plan. How does it work? Begin by opening an HSA account at Texas Gulf Bank, deposit tax-deductible contributions and then pay your qualified medical expenses from this account. These expenses include most medical care and services, dental and vision care. Unused funds in your HSA roll over from year to year, so you never lose your tax-free investment.
Whether you're saving for college tuition, retirement, or something unexpected, there's no better time than now to save for the future. Visit any Texas Gulf Bank location or contact us via e-mail or telephone. A personal banker will visit with you to answer your questions and help you find the best savings plan(s) to meet your personal needs and financial goals. For a side-by-side look at your personal savings options, view our personal savings comparison chart.
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.
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