Personal Savings / CDs / IRAs

Health Savings Account

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. Consult your tax advisor for how an HSA might benefit you, depending on your particular situation.
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Personal Savings Account

This savings account keeps your funds accessible and pays a competitive interest rate, which is compounded and paid quarterly. You do not incur a monthly maintenance fee when you keep a minimum average daily balance of $200.00. We prohibit transfers to third parties by check, POS (Point of Sale) or TGB online. A $5.00 Debit Fee will be charged for each debit in excess of 5 per month. (NOTE: Fee not applicable to electronic payments, TGB Online Banking/Q-Line transfers between your TGB accounts, or ATM withdrawals.) No other transaction limitations apply to this account.
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Gulf Rewards Savings Accounts

[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 a monthly maintenance fee on the Gulf Rewards Savings Account and will receive a slightly higher interest rate than the Personal Savings account provides. Gulf Rewards Savings only requires $100.00 to open, and you receive a single, easy-to-read monthly statement that summarizes your activity in every account.
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Certificate Of Deposit

Earn a competitive interest rate, fixed for the duration of your time deposit with a Texas Gulf Bank Certificate of Deposit.
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Individual Retirement Account

Save for your retirement years with a Texas Gulf Bank IRA. You and your spouse may annually invest up to $7,000.00 each for individuals under 50, even if you already participate in an employer-sponsored plan. Individuals 50 and over may contribute up to 8,000.00 for tax year 2025. If you are interested in Wealth Management, see here.
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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 Branch Banking Specialist 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.