Amegy personal Rates

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Personal Account Rates

» Certificates of Deposit (CDs)
» Checking Accounts
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Certificates of Deposit (CDs)

Amegy offers a variety of CDs terms that may be used for general investments, traditional IRAs, Roth IRAs and 401(k) rollovers. All CDs keep your principal balance safe from market fluctuations while paying a competitive rate of interest.

Relationship CD Rates –
Amegy Bank values the relationships that we have with our customers. To earn a relationship CD rate you must have an open and active Amegy checking account in good standing and two of the following account types or services: a savings account, money market account, loan, credit card, debit card and/or online banking. A minimum combined balance of $3,000 excluding CDs, is required. An account may only be enrolled in one Amegy relationship package at a time. All loans and credit cards must be current.

To get more information about earning a relationship CD rate, please contact your personal banker.

Earn competitive, fixed interest rates when safety and a guaranteed return are important.
Hide Rates..

Term	Interest Rate	APY
30 Days	.050%	.05%
60 Days	.050%	.05%
90 Days	.050%	.05%
180 Days	.100%	.10%
330 Days	.100%	.10%
1 Year	.100%	.10%
18 Month	.100%	.10%
2 Year	.200%	.20%
30 Month	.349%	.35%
3 Year	.399%	.40%
5 Year	.499%	.50%

Earn competitive, fixed interest rates when safety and a guaranteed return are important.
Hide Rates..

Term	Interest Rate	APY
30 Days	.050%	.05%
60 Days	.050%	.05%
90 Days	.050%	.05%
180 Days	.100%	.10%
330 Days	.100%	.10%
1 Year	.100%	.10%
18 Month	.100%	.10%
2 Year	.200%	.20%
30 Month	.349%	.35%
3 Year	.399%	.40%
5 Year	.499%	.50%

Jumbo Personal Internet CD

(Call an Internet Account Specialist at 888-319-4420 to open)
Hide Rates..

Term	Interest Rate	APY
90 Days	.050%	.05%
180 Days	.100%	.10%
1 Year	.100%	.10%

Jumbo Personal CD

Earn competitive, fixed interest rates when safety and a guaranteed return are important.
Hide Rates..

Term	Interest Rate	APY
30 Days	.050%	.05%
60 Days	.050%	.05%
90 Days	.050%	.05%
180 Days	.100%	.10%
330 Days	.100%	.10%
1 Year	.100%	.10%
18 Month	.100%	.10%
2 Year	.200%	.20%
30 Month	.349%	.35%
3 Year	.399%	.40%
5 Year	.499%	.50%

Earn competitive, fixed interest rates when safety and a guaranteed return are important.
Hide Rates..

Term	Interest Rate	APY
30 Days	.050%	.05%
60 Days	.050%	.05%
90 Days	.050%	.05%
180 Days	.100%	.10%
330 Days	.100%	.10%
1 Year	.100%	.10%
18 Month	.100%	.10%
2 Year	.200%	.20%
30 Month	.349%	.35%
3 Year	.399%	.40%
5 Year	.499%	.50%

Personal Internet CD

Earn a higher rate when you open a CD online. The best investment when safety and a guaranteed return are important.
Hide Rates..

Term	Interest Rate	APY
90 Days	.050%	.05%
180 Days	.100%	.10%
1 Year	.100%	.10%

Click here for Certificates of Deposit (CDs) disclosures.

*Rate Information: The interest rate for your fixed rate CD will be paid until the maturity date. The Annual Percentage Yield (APY) is accurate as of date viewed and assumes interest remains on deposit until maturity and a withdrawal will reduce earnings. Interest is compounded monthly and will be credited monthly.

Minimum Balance Requirements: You must deposit $1,000 to open a Certificate of Deposit - CD or $250 for IRA CDs. You must deposit $10,000 to open a Personal Internet CD and $100,000 to open a Jumbo Personal Internet CD.

Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual on Non-Cash Deposits: Interest begins to accrue no later than the business day you deposit noncash items (for example, checks.)

Transaction Limitations: After the account is opened, you may not make deposits into or withdrawals from this account until maturity.

Early Withdrawal Penalty: If the maturity of the time deposit is seven to 29 days or any portion thereof, the depositor will forfeit an amount equal to seven days simple interest on the amount withdrawn. Maturity of the deposit is at least 30 days but less than 1 year, or any portion thereof, the depositor will forfeit an amount equal to 30 days simple interest on the amount withdrawn. If the maturity of the time deposit is at least one year, but less than two years, or any portion thereof, the depositor will forfeit an amount equal to 90 days simple interest on the amount withdrawn. If the maturity is two years or more, the depositor will forfeit an amount equal to 180 days simple interest on the amount withdrawn. All bonus interest in excess of the stated rate of the time deposit earned or that could have been earned as a result of a promotional program will be forfeited. Penalty will be waived if depositor dies or is declared incompetent.

Renewal Policy: The grace period for the automatically renewing CD is 10 calendar days from the maturity date to withdraw your funds without being charged a penalty. For CDs with terms of less than 30 days, the grace period is 3 calendar days. Changes to the term may be made during the grace period.

RISING RATE: Option available on 1 year, 18 month, 2 years, and 3 years CDs, excluding CDs opened online. Once during the term of the CD, the customer has the option of presenting a certificate to raise the rate to the then current chart rate for a CD of similar term and will receive that rate for the remainder of the term.

Please refer to the Personal Banking Pricing Schedule available at any Amegy Bank Center for additional account and fee information.

Checking Accounts

Checking accounts that work for the way you live.

Amegy Platinum Checking

With three interest tiers, Amegy Platinum Checking offers you highly competitive interest rates for every tier and low fees.
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Balance	Interest Rate	APY
$0-$24,999.99	.200%	.20%
$25,000-$99,999.99	.300%	.30%
$100,000+	.349%	.35%

Free Checking With Interest

A real value for those who want to earn interest and enjoy the convenience of direct deposits.
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Balance	Interest Rate	APY
$0+	.050%	.05%

Interest Checking

The best checking account option for those who want to earn interest and balance requirements are not a problem.
Hide Rates..

Balance	Interest Rate	APY
$0-$2,499.99	.050%	.05%
$2,500+	.050%	.05%

Mylife Checking

Our MyLife Checking account is designed to help you manage your retirement distribution income. The contributions to this account will act as a payroll replacement and will function as a steady steram of income that replaces your "pre-retirement" paycheck. You determine how much to deposit based on your anticipated income needs or distribution.
Hide Rates..

Balance	Interest Rate	APY
$0-$4,999.99	.050%	.05%
$5,000+	.150%	.15%

Smart Yield Checking

A perfect account for people on the go who enjoy the convenience of electronic banking and want to earn the highest rate possible on their checking dollars. Rates shown below apply to qualified balances. A rate of .05% (.05% APY) is paid on non-qualified balances.
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Balance	Interest Rate	APY
Qualified Portion of the Balance Up to $25,000	.747%	.75%
Qualified Portion of the Balance > $25,000	.200%	.20%
Non-Qualified Balance	.050%	.05%

Click here for Checking Accounts disclosures.

Money Market & Savings Accounts

You work hard for your money. We help your money return the favor.

Internet Savings

A savings account available exclusively online.
Hide Rates..

Balance	Interest Rate	APY
$0 - $999	0%	0%
$1,000-$9,999.99	.100%	.10%
$10,000-$24,999.99	.100%	.10%
$25,000-$49,999.99	.100%	.10%
$50,000-$99,999.99	.150%	.15%
$100,000+	.200%	.20%

Personal Internet Money Market

A great money market account available exclusively online for those with higher balances who want to maximize earnings, while maintaining the ability to write checks from the account.
Hide Rates..

Balance	Interest Rate	APY
$1,000-$9,999.99	.100%	.10%
$10,000-$24,999.99	.100%	.10%
$25,000-$49,999.99	.100%	.10%
$50,000-$99,999.99	.150%	.15%
$100,000+	.200%	.20%

Personal Money Market

A great savings account for those with higher balances who want to maximize earnings.
Hide Rates..

Balance	Interest Rate	APY
$0-$9,999.99	.100%	.10%
$10,000-$24,999.99	.100%	.10%
$25,000+	.100%	.10%
$50,000-$99,999.99	.150%	.15%
$100,000-$249,999.99	.200%	.20%
$250,000+	.200%	.20%

Personal Money Market Plus

A money market account that pays a higher rate of interest than the Personal Money Market for those who maintain higher balances.
Hide Rates..

Balance	Interest Rate	APY
$0-$249,999.99	.150%	.15%
$250,000-$499,999.99	.200%	.20%
$500,000-$749,999.99	.200%	.20%
$750,000-$999,999.99	.250%	.25%
$1,000,000+	.250%	.25%

Personal Savings

A perfect savings account with a low monthly balance requirement for those who are just getting started building their fortune.
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Balance	Interest Rate	APY
$0+	.150%	.15%

Relationship Money Market

A money market account exclusive to Amegy checking customers. Earns higher rates when this account is linked to an Amegy personal checking account.
Hide Rates..

Balance	Interest Rate	APY
$0-$9,999.99	.200%	.20%
$10,000-$24,999.99	.200%	.20%
$25,000-$49,999.99	.200%	.20%
$50,000-$99,999.99	.250%	.25%
$100,000-$249,999.99	.300%	.30%
$250,000+	.300%	.30%

A free savings account that helps minors save.
Hide Rates..

Balance	Interest Rate	APY
$0+	.300%	.30%

Click here for Money Market & Savings Accounts disclosures.

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