Whether you’re building an emergency fund, saving for a major purchase, or planning ahead, choose from a variety of savings options with competitive rates designed to make your savings work harder for you.
You have goals and plans for your future. And we have options to fit your needs. Whether you’re saving for retirement or for a rainy day, save smarter with Moody Bank. Check out our various savings accounts, or contact one of our banking centers for our Certificate of Deposit and IRA interest rates. Apply today for a Moody Savings Account. Click the button below to start the process now.
| Feature |
Moody Savings
|
Moody Minor Savings*
|
Moody Money Market
|
Moody Premier Money Market
|
Moody Platinum Money Market
|
|---|---|---|---|---|---|
| Minimum Opening Balance | $100 | $25 | $2,500 | $50,000 | $250,000 |
| Minimum Balance Required | $100 | $0 | $2,500 | $50,000 | $250,000 |
| Monthly Service Fee | $5¹ | $0 | $15¹ | $25¹ | $0 |
| Interest Bearing Account | ✓ | ✓ | ✓ | ✓ | ✓ |
| e-Statements | ✓ | ✓ | ✓ | ✓ | ✓ |
| Online Banking | ✓ | ✓ | ✓ | ✓ | ✓ |
| Mobile Banking² | ✓ | ✓ | ✓ | ✓ | ✓ |
| Transaction Limitations Per Statement Cycle³ | 6 | 6 | 6 | 6 | 6 |
| Check Writing Ability | ✓ | ✓ |
Guarantee your returns with this low-risk investment option. A Moody Bank CD offers fixed-rate earnings on your choice of flexible terms.
Moody Bank offers several personal savings options, including a traditional Moody Savings account, Moody Minor Savings, Money Market accounts, Premier Money Market accounts, Platinum Money Market accounts, and Certificates of Deposit (CDs). These options allow customers to choose an account based on their savings goals, balance, and liquidity needs.
A traditional Moody Savings account is a great choice for building an emergency fund because it earns interest while keeping your money accessible for unexpected expenses. If you maintain larger balances and want to earn a higher rate, a Money Market account may also be worth considering. Learn more: How to Save More and Spend Less Each Month
Minimum opening deposits vary by account type. A Moody Savings account requires a $100 opening deposit, a Moody Minor Savings account requires only $25, while Money Market accounts have higher minimum opening balances depending on the account selected.
Yes. Moody Bank offers a Moody Minor Savings account designed to help children begin developing healthy saving habits. The account features a low minimum opening deposit and earns interest, making it a great way to introduce young savers to banking. Learn more: Teaching Kids About Banking: Age-By-Age Money Lessons
Yes. Moody Bank savings accounts include access to Online Banking and Mobile Banking, allowing you to view balances, transfer funds, enroll in eStatements, and manage your savings account from virtually anywhere. Learn more: Exciting Announcement: New Online & Mobile Banking Experience
Both account types earn interest, but Money Market accounts generally require higher minimum balances and may offer higher interest rates. Certain Moody Money Market accounts also include check-writing privileges, making them a good option for customers who want greater flexibility while earning interest.
Yes. Moody Bank offers Certificates of Deposit (CDs) with fixed interest rates and terms ranging from 6 to 36 months. CDs are FDIC-insured up to applicable limits and can be a good option for customers seeking predictable returns over a set period.
Yes. Moody Bank serves customers throughout Greater Houston, Galveston, and Central Texas with local banking centers and online account opening options. Whether you're saving for retirement, a major purchase, or future financial goals, Moody Bank offers savings solutions backed by personalized local service. Learn more: Fun Financial Challenges to Try (30-Day Savings Challenge)
Yes. Moody Bank savings accounts, money market accounts, and Certificates of Deposit are FDIC insured up to the maximum limits allowed by law, helping protect your deposits while your savings continue to grow.
In addition to personal savings accounts, Moody Bank offers personal checking accounts, personal loans, credit cards, online and mobile banking, and other financial products to help customers achieve their financial goals. Learn more: How to Use Digital Wallets Safely & Effectively
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