Essential Savings 
  • Save for any plan, need, or goal
  • Earn competitive interest on entire balance
    • Interest credited and compounded quarterly
  • No monthly service charge
  • Watch Your Grow by connecting this account with RoundUp!

Kids Savings 
  • Exclusive savings for customers age 18 and under
  • Earn competitive interest on entire balance
  • No monthly service charge or minimum balance requirements
  • High interest rate encouraging young Texans to save
  • Watch Your Grow by connecting this account with RoundUp!

Empower Money Market 
  • Grow your savings with competitive, tiered rates
  • The higher your balance, the higher your rate
  • Enjoy flexibility with enhanced access to funds, including direct check writing




Certificates of Deposit (CDs)
  • Get a guaranteed return with fixed rates that beat regular savings
  • The longer your term, the higher your rate
  • Choose from a wide range of terms, from 1 week to 60 months

Health Savings Account (HSA)
  • Save for qualified medical expenses with ease
  • Take the savings even further with tax advantages
  • Unused funds remain in account year after year; no "use it or lose it" policy

Individual Retirement Accounts (IRAs)
  • Reach your retirement goals with tax-advantages*
  • Earn competitive interest above standard savings rates
  • Traditional, Roth IRA, and Coverdell ESA options available















































































Compare Savings Accounts


Account Personal Savings Account Kids Savings Account Money Market Account Investment Fund Certificates of Deposit (CDs) Health Savings Account (HSA) Individual Retirement Accounts (IRAs)
Minimum Balance xmark no icon xmark no icon $1,000 $1,000 $1,000 xmark no icon xmark no icon
Monthly Service Charge xmark no icon xmark no icon $10 monthly service charge
(No charge if daily minimum balance is met)
 $10 monthly service charge
(No charge if daily minimum balance is met)		 xmark no icon $5 Quarterly Charge xmark no icon
FDIC Insured checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon
Competitive Rates checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon
Early Access to Funds checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon xmark no icon checkmark yes icon xmark no icon
Digital Services Available checkmark yes icon checkmark yes icon checkmark yes icon checkmark yes icon xmark no icon xmark no icon xmark no icon
Terms xmark no icon xmark no icon xmark no icon xmark no icon checkmark yes icon
1 month to 60 months		 xmark no icon xmark no icon











Two men holding hands and smiling

We believe in the power of community.