Interest–bearing Accounts


First Savings
Today is a great day to start saving!

  • No quarterly service charge will be generated for 25 years of age and under. If the balance falls under $100 on any day of the quarter, a service charge of $5.00 will be generated.
  • Interest will be compounded and credited to your account quarterly. The interest rate may change at any time.
  • Terms & Conditions must be acknowledged in online banking. A monthly paper statement fee of $5.00 will be assessed if you choose not to elect online statements. 62 years of age or older will receive a $2.00 paper statement fee in lieu of the $5.00 paper statement fee.
  • See new accounts for rates on interest bearing accounts.

First Money Market 
Let your money work hard for you!

  • No monthly service charge will be generated for balances of $2,500+. If the balance falls under $2,500 on any day of the statement cycle, a service charge of $10.00 will be imposed.
  • Interest will be compounded and credited to your account monthly. The interest rate may change at any time.
    *Tier Structure
    $2,500-$49,999
    $50,000-$99, 999
    $100,000-$149,999 $150,000-$999,999
    $1,000,000.00+
    * See new accounts for rates
  • Terms & Conditions must be acknowledged in online banking. A monthly paper statement fee of $5.00 will be assessed if you choose not to elect online statements. 62 years of age or older will receive a $2.00 paper statement fee in lieu of the $5.00 paper statement fee.
  • 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.
  • Compounding & Crediting – Interest will be compounded every statement cycle (approximately 30 day cycle). Interest will be credited to your account every statement cycle.
  • Accrual of Interest – Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
  • Interest Effect at Closing – If you close your account before the interest is credited, you will not receive the accrued interest.
  • See new accounts for rates on interest bearing accounts.

First Plus

  • No monthly service charge will be generated for balances of $2,500+. If the balance falls under $2,500 on any day of the statement cycle, a service charge of $10.00 will be imposed.
  • Interest will be compounded and credited to your account monthly. The interest rate may change at any time.
    *Tier Structure
    $2,500-$49,999
    $50,000-$99,999
    $100,000-$149,999
    $150,000-$999,999
    $1,000,000.00+
    * See new accounts for rates
  • Terms & Conditions must be acknowledged in online banking. A monthly paper statement fee of $5.00 will be assessed if you choose not to elect online statements. 62 years of age or older will receive a $2.00 paper statement fee in lieu of the $5.00 paper statement fee.

Certificate of Deposit – First Bank Texas has a wide variety of CD’s to meet your needs, ranging from three months to five years with fixed or variable rates. Terms and limitations vary by certificate type.


For current rates and Annual Percentage Yields (APY) please call your local First Bank Texas branch.

First Bank Texas is a member of the Federal Deposit Insurance Corporation (FDIC). Each Depositor is insured up to $250,000 by FDIC. For depositors requiring more coverage, FDIC provides convenient solutions.

Fees could reduce earning on the account.