Deposit Rates

Schertz Bank & Trust offers a variety of interest bearing accounts that includes Savings, Super Now, Money Market, CDs, Jumbo CDs, and IRAs.

Rates current as of 3/31/2025

Investment Plan^*

Savings - Minimum to open - $100

Account Type	Interest Rate	APY
Savings Account*	0.03%	0.03%

Checking Accounts

Money Market Checking - Minimum to open - $100

Account Type	Interest Rate	APY
Money Market Checking*
Balance of $0-$24,999.99	0.03%	0.03%
Balance of $25,000.00-$49,999.99	0.05%	0.05%
Balance of 50,000.00-$74,999.99	0.07%	0.07%
Balance of $75,000.00-$99,999.99	0.10%	0.10%
Balance of $100,000.00 or more	0.15%	0.15%

Certificates of Deposit^**

Regular CD - Minimum to open - $1,000

Account Type	Interest Rate	APY
90 Day CD	2.00%	2.01%
180 Day CD	4.00%	4.04%
1 Year CD	3.75%	3.80%
1 1/2 Year CD	3.50%	3.55%
2 Year CD	3.50%	3.55%
2 1/2 Year CD	3.25%	3.29%
3 Year CD	3.25%	3.29%
4 Year CD	3.10%	3.14%
5 Year CD	3.10%	3.14%

Jumbo CD - Minimum to open - $100,000

Jumbo CD - Minimum to open - $100,000

Account Type	Interest Rate	APY	APY (Quarterly)
90 Day Jumbo CD	2.00%	2.00%	2.01%
180 Day Jumbo CD	4.00%	4.00%	4.04%
1 Year Jumbo CD	3.75%	3.75%	3.80%
2 Year Jumbo CD	3.50%	3.50%	3.55%
3 Year Jumbo CD	3.25%	3.25%	3.29%
4 Year Jumbo CD	3.20%	3.20%	3.24%
5 Year Jumbo CD	3.20%	3.20%	3.24%

Individual Retirement Account^**

IRA - Minimum to Open $1,000 / Variable Rate IRA - Minimum to Open $100

Account Type	Interest Rate	APY
12 Month Fixed Rate	1.25%	1.26%
18 Month Fixed Rate	1.35%	1.36%
3 Year Fixed Rate	1.50%	1.51%
4 Year Fixed Rate	1.60%	1.61%
5 Year Fixed Rate	1.75%	1.76%
12 Month Variable Rate*	1.15%	1.15%
18 Month Variable Rate*	1.25%	1.26%
3 Year Variable Rate*	1.45%	1.46%
4 Year Variable Rate*	1.50%	1.51%
5 Year Variable Rate*	1.60%	1.61%

*Rate may change after account is opened. Rates are subject to change daily at our discretion.

**SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL

Fees could reduce earnings.

FDIC INSURED