Current Rates

Deposit & CD Rates

Competitive rates on checking, savings, money market, and Certificates of Deposit — backed by the strength of a Houston bank.

Updated July 3, 2026

Standard CD Rates & Terms

Minimum Balance to Open: $1,000

For balances of $1,000 – $249,999.99

Term Interest Rate Annual Percentage Yield
30 Days 4.05% 4.13%
60 Days 4.05% 4.13%
90 Days 4.05% 4.13%
6 Months 4.10% 4.18%
9 Months 4.10% 4.18%
12 Months 4.15% 4.23%
24 Months 4.25% 4.33%
36 Months 4.30% 4.39%

Jumbo Certificates of Deposit

For balances of $250,000 or more

Term Interest Rate Annual Percentage Yield
30 Days 4.10% 4.18%
60 Days 4.10% 4.18%
90 Days 4.10% 4.18%
6 Months 4.15% 4.23%
9 Months 4.15% 4.23%
12 Months 4.20% 4.28%
24 Months 4.30% 4.39%
36 Months 4.35% 4.44%

Interest Payment Options

Compound monthly into principal, credit to a GCB checking/savings account, or receive monthly by check.

Renewal Policy

Auto-renews at the rate in effect on the renewal date. 10-day grace period to make changes or withdraw without penalty.

How to Open

Visit any GCB branch or call a banker. Minimum $1,000 standard / $250,000 jumbo. Valid ID and funding account required.

Money Market Accounts

Minimum Balance to open: $2,500

Account Interest Rate Annual Percentage Yield
$2,500–$99,999.99 1.05% 1.06%
$100,000–$249,999.99 1.15% 1.16%
$250,000–$499,999.99 1.25% 1.26%
$500,000 and above 3.00% 3.04%

 

Personal Accounts

Checking and savings products for individuals and families

Account Minimum to Open Interest Rate Annual Percentage Yield
Checking with Interest $1,000 1.00% 1.00%
Savings Account $100 1.00% 1.00%

Business Accounts

Operating, savings, and trust accounts for organizations

Account Minimum to Open Interest Rate Annual Percentage Yield
Business Checking with Interest $1,000 1.00% 1.00%

Disclosures

  • The interest rate and annual percentage yield may change at any time without notice at our discretion.
  • Fees could reduce the earnings on your account.
  • Interest on all checking with interest, savings, and money market accounts, regardless of type, will be compounded and credited monthly.
  • Certificates of Deposit require a $1,000 minimum to open. A penalty will be imposed for any early withdrawal from a Certificate of Deposit and could reduce the earnings in the account. If the balance falls below $1,000 the Certificate of Deposit will be closed. Interest is compounded and credited monthly and can be disbursed or capitalized based upon the customer’s preference.
  • Early withdrawal penalties may reduce earnings. Closing a CD before maturity will result in forfeiture of the applicable penalty.
  • FDIC insurance applies up to the maximum allowed by law and per ownership category.

Ready to put your money to work?

Talk to a Houston banker today about which deposit account is right for you.