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Higher Savings Rates. Delivered.

Earn more on your savings with industry-leading CD and Money Market rates — backed by the strength and security of a bank that has been in your corner and community for generations. 

Higher Savings Rates. Delivered.

Earn more on your savings with industry-leading CD and Money Market rates — backed by the strength and security of a bank that has been in your corner and community for generations. 
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12-MONTH CERTIFICATE OF DEPOSIT

TEXAS BUSINESS BANKING BUILT FOR YOU

Texas Business Banking - Local Decisions, Fast Approvals

TEXAS BUSINESS BANKING BY TEXANS

Texas Business Banking by Texans

Texas Business Banking Solutions

Local decisions, powerful tools, and personalized service designed specifically for Texas business owners who want banking that works as hard as they do.

Texas Business Banking Solutions

Looking for a financial partner that understands Texas business? Our local business services deliver the responsive support and modern tools you need to thrive right here in Texas!

Texas Business Banking That Works As Hard As You Do

Texas businesses deserve banking partners who understand their unique needs. Talk to our local business banking team today to discover solutions built specifically for your success.

Our Business Money Market accounts provide Texas business owners with local, accessible cash management solutions while earning competitive returns. Enjoy the flexibility of a savings account with higher earning potential for your business funds.
  • Competitive returns to maximize your business capital
  • No charge to open
  • Initial $100,000 maximum funding amount
  • Minimum $1,000 to open
  • Higher long-term returns for strategic business planning
  • No charge to open
  • Initial $100,000 maximum funding amount
  • Minimum $1,000 to open

Texas Business Banking, By Texans

Local decisions. Modern solutions. Real relationships. Partner with a Texas-based banking team that understands your business and puts you first—not corporate red tape.

Texas business banker meeting with local entrepreneur in modern Extraco Banks office
Texas business banker meeting with local business owner in modern Extraco Banks office

Texas Business Banking, By Texans

Partner with a Texas-based team that understands your local business needs. Get responsive service, modern banking tools, and decisions made right here at home. Talk to a business banker today.

Local Team. Local Decisions.

Our business bankers live and work in your community—so your business gets fast answers from people who know your market. Experience the difference of working with a team that’s invested in your success, ready to help with every step, and empowered to make decisions right here at home.

Texas business banker meeting with local entrepreneur in modern Extraco Banks office
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Treasury Management

Manage cash flow, protect against fraud and streamline operations—all with the support of our local experts. From secure Positive Pay to instant payments, we can help you earn higher returns on cash, manage your monthly cash flow, and optimize liquidity.

Local Decision Making

If your bank is changing, connect with our Texas-based Commercial Banking team for local decision-making and business solutions built for Texas operations.

Treasury Management 

Manage cash flow, protect against fraud and streamline operations—all with the support of our local experts. From secure Positive Pay to instant payments, we can help you earn higher returns on cash, manage your monthly cash flow, and optimize liquidity.

"Since we've started, Extraco and Southwest Contract's relationship has been pivotal. Needing those additional funds when we don't have the cash flow coming in really helps us with lines of credit and resources that they give us."
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Steven Thompson, Co-Owner & CFO, Southwest Contract

Texas Business Banking
Built for Texans

Local decision-makers, modern tools, and a relationship-driven approach—designed specifically for Texas business owners who expect more from their bank.

Texas business owner meeting with local Extraco Banks business banker in professional office setting

Certificate of Deposit

Earn up to 3.65% APY* with a $100,000 deposit in a 12‑Month Special CD. Lock in today’s competitive rate before the market shifts. With our Certificate of Deposit, your returns are guaranteed from day one — no fluctuations, no surprises. Just steady, reliable growth exactly as promised.
 

Money Market Account

Open a high‑yield Money Market Account that lets you grow your balance without giving up access. Enjoy top‑tier returns with the freedom to withdraw funds when you need them — no fixed term, no lock‑in. Just a strong, market‑leading rate working for you every day, with the flexibility your savings deserve.
 
CD Interest Rates
CD Type APY**
2.00%
2.00%
2.00%
3.40%
3.40%
3.35%
* 12-month special CD must have a minimum balance of $100,000. This CD is not eligible for Bump-up CD Conversion. This CD will automatically renew into a standard 12 Month CD at the then current standard CD rate.

 

Smart Rate Money Market Interest Rates
Balance Up To APY*
1-Mar-10-2026-11-05-48-4664-PM 0.01%
2-Mar-10-2026-11-05-48-4759-PM 1.00%
3-Mar-10-2026-11-05-48-4456-PM 2.00%
4-Mar-10-2026-11-05-48-4537-PM 2.25%
5-Mar-10-2026-11-05-48-4693-PM 3.00%
Premier Plus Money Market Interest Rates
Balance Up To APY*
1-Mar-10-2026-11-05-48-4664-PM 0.01%
2-Mar-10-2026-11-05-48-4759-PM 0.01%
3-Mar-10-2026-11-05-48-4456-PM 2.25%
4-Mar-10-2026-11-05-48-4537-PM 2.75%
5-Mar-10-2026-11-05-48-4693-PM 3.00%

Understand Your Rate Options

Certificate of Deposit (CD) Rates
 
CD Type APY**
Call now to open an account. 2.00%
Call now to open an account. 2.00%
Call now to open an account. 2.00%
Open this account online in just a few minutes. 3.40%
Call now to open an account. 3.65%*
Open this account online in just a few minutes. 3.40%
Open this account online in just a few minutes. 3.35%
 
* 12-month special CD must have a minimum balance of $100,000. This CD is not eligible for Bump-up CD Conversion. This CD will automatically renew into a standard 12 Month CD at the then current standard CD rate. 
Smart Rate Money Market Rates
Balance Up To APY**
Call now to open an account. 0.01%
Call now to open an account. 1.00%
Call now to open an account. 2.00%
Call now to open an account. 2.25%
3.00%

Not sure which is right for you? Here's the difference.

  Certificate of Deposit Money Market Account
Rate Type Fixed - locked in for your full-term Variable - moves with the market
Access to Funds At maturity (early withdrawal penalties apply) Anytime, transaction limitations and penalties may apply on certain MMA products 
Best For Savers who want guaranteed, predictable growth Those who want high yields without losing flexibility 
Term Fixed term No fixed term

 

Open Your Account with a Local Expert

Lock in one of the area’s most competitive CD rates by calling or visiting your nearest Extraco Banks location. Our team will walk you through the options and help you choose the term that fits your goals.

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Smarter Banking Starts With Digital Safety

For over 120 years, Extraco has helped Central Texans bank with confidence. That same trusted approach continues today through modern digital tools designed to help protect your information, spot potential scams and manage your money with ease.

 

Important Disclosures and Information

  • * 12-month special CD must have a minimum balance of $100,000. This CD is not eligible for Bump-up CD Conversion. This CD will automatically renew into a standard 12 Month CD at the then current standard CD rate. 
  • **Annual Percentage Yield (APY) and Annual Percentage Rate (APR) may change at the bank’s discretion.
  • Fees may reduce earnings. Rates are subject to change. Early withdrawal penalties will/may be imposed on all CD terms.
  • Rates are accurate as of 3.11.26

 

 

 

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