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Competitive CD and Money Market Options for Savers
Grow your savings with competitive CD and money market offers from Plains State Bank. Houston customers enjoy flexible options and local support.
Smart Ways to Grow Your Savings in Houston
If you want a safe and steady way to grow your money, CDs and money market accounts are strong options. These accounts are designed for savers who want better returns than traditional savings while keeping risk low.
At Plains State Bank, we offer CD and money market options that help Houston customers earn more while maintaining confidence in where their money is held. Our team is available to explain rates, terms, and requirements in clear and simple language.
12 Month CD - 3.82% APY *
Call 713-559-6800 Or Stop By One of Our Branch Locations Today!
* Annual Percentage Yield (APY) is accurate as of August 28, 2025. Rates offered may change without notice. Minimum balance to obtain APY is $1,000. A penalty may be imposed for early withdrawal. Each depositor is FDIC-insured up to applicable limits.
Money Market Account - 0.85% APY **
Call 713-559-6800 Or Stop By One Of Our Branch Locations Today!
** Annual Percentage Yield (APY) is accurate as of August 28, 2025. Rates offered may change without notice. Minimum balance to obtain APY is $2,500. Fees may reduce yield. Each depositor is FDIC-insured up to applicable limits. For additional terms and conditions, contact Plains State Bank.
Certificate of Deposit Offers
Certificates of Deposit are ideal for customers who can set money aside for a fixed period of time. In return, you receive a competitive interest rate that does not change during the term. This makes CDs a reliable option for predictable growth.
Our current CD offers include popular terms like 12-month CDs, with competitive APYs available for qualifying balances. CDs require a minimum deposit and may include a penalty for early withdrawal. Our Houston staff can help you choose a term that fits your savings goals and timeline.
Money Market Account Options
Money market accounts offer a balance between earning interest and accessing your funds. These accounts are well-suited for customers who want to keep larger balances while still having the ability to make withdrawals when needed.
Plains State Bank money market accounts offer competitive APYs with clear balance requirements. While federal limits apply to certain transactions, these accounts remain a flexible option for Houston customers who want higher earning potential without locking funds into a long-term commitment.
Benefits of Banking With Plains State Bank
When you open a CD or money market account with Plains State Bank, you receive more than just a competitive rate. You benefit from local service, personal guidance, and a team that understands the Houston community.
All accounts are FDIC-insured up to applicable limits, providing peace of mind. You also gain access to online and mobile banking, making it easy to monitor balances and track growth at any time.
Frequently Asked Questions
What Is the Difference Between a CD and a Money Market Account?
A CD has a fixed term and rate, while a money market account offers ongoing access to funds with variable rates.
Is There a Minimum Deposit Required?
Yes. CDs typically require a minimum of $1,000, while money market accounts require higher minimum balances to earn the stated APY.
Can Rates Change Over Time?
CD rates are fixed for the term. Money market rates may change based on market conditions.
Are These Accounts FDIC-Insured?
Yes. All eligible deposits are FDIC-insured up to applicable limits.
How Do I Open an Account?
You can call, visit a Houston branch, or speak with our team to get started.
Explore Current CD and Money Market Offers
Take advantage of competitive CD and money market offers from Plains State Bank. Contact us or visit a Houston branch to learn more and start growing your savings with confidence.