FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Rates Effective as of: December 20, 2024
At Round Top State Bank, we believe saving should be simple, secure, and tailored to your needs.
Whether you're building your savings, seeking flexibility, or investing with a fixed return, we offer a range of interest-bearing options—all supported by the local service and personal guidance you can trust.
CDs are ideal for customers who want a guaranteed return over a set period of time. We offer competitive fixed rates with terms that fit your goals.
Term | Minimum Deposit to Open | Annual Percentage Yield (APY) | Interest Rate |
|---|---|---|---|
91 Day | $1,000 | 0.50% | 0.50% |
182 Day | $1,000 | 3.00% | 2.96% |
7 Month | $1,000 | 4.00% | 3.92% |
11 Month | $1,000 | 3.60% | 3.54% |
12 Month | $1,000 | 3.60% | 3.54% |
13 Month | $1,000 | 3.60% | 3.54% |
14 Month | $1,000 | 3.25% | 3.20% |
16 Month | $1,000 | 3.25% | 3.20% |
18 Month | $1,000 | 3.25% | 3.20% |
24 Month | $1,000 | 2.00% | 1.98% |
30 Month | $1,000 | 2.00% | 1.98% |
48 Month | $1,000 | 1.25% | 1.24% |
60 Month | $1,000 | 1.25% | 1.24% |
A penalty may be imposed for early withdrawal. Rates are subject to change. IRA CD rates are available upon request.
Term | Minimum Deposit to Open | Annual Percentage Yield (APY) | Interest Rate |
|---|---|---|---|
91 Day | $100,000 | 0.50% | 0.50% |
182 Day | $100,000 | 3.05% | 3.00% |
7 Month | $100,000 | 4.00% | 3.92% |
11 Month | $100,000 | 3.60% | 3.54% |
12 Month | $100,000 | 3.60% | 3.54% |
13 Month | $100,000 | 3.60% | 3.54% |
14 Month | $100,000 | 3.30% | 3.25% |
16 Month | $100,000 | 3.25% | 3.20% |
18 Month | $100,000 | 3.30% | 3.25% |
24 Month | $100,000 | 2.05% | 2.03% |
30 Month | $100,000 | 2.05% | 2.03% |
48 Month | $100,000 | 1.30% | 1.29% |
60 Month | $100,000 | 1.30% | 1.29% |
A penalty may be imposed for early withdrawal. Rates are subject to change. IRA CD rates are available upon request.
Account Type | Minimum Deposit to Open | Annual Percentage Yield (APY) | Interest Rate |
|---|---|---|---|
Savings | $100.00 | 0.40% | 0.40% |
Money Market Fund | $2,500.00 - $24,999.99 | 0.35% | 0.35% |
$25,000.00 - $49,999.99 | 0.45% | 0.45% | |
$50,000.00 - $99,999.99 | 0.50% | 0.50% | |
$100,000 and over | 0.55% | 0.55% | |
Checking Plus with Interest | $1,000 | 0.20% | 0.20% |
NOW Account | $1,000 | 0.20% | 0.20% |
**Rates may change after the account is opened.**
**Fees could reduce earnings on these interest-bearing accounts.**
Whether you're starting small or investing big, Round Top State Bank is here to help you earn more with personal service and competitive options.
