AccessBank Texas Offers High Rate 24-Month IRA CD and 9-Month CD


Availability: Market area is Denton/Dallas/Fort Worth metropolitan area.

AccessBank Texas is offering an Accessible 9-month CD (0.90% APY) and a 17-month CD (1.30% APY). Both CDs require a $1K minimum deposit, with no balance cap.

The Accessible 9-month CD is so named because it allows for additional deposits after opening AND a one-time penalty free withdrawal per statement period. (AccessBank Texas defines statement period as equal to one earning cycle.)

In addition, there is a promotional 24-month IRA (1.50% APY) that is currently not listed on AccessBank Texas’ website. The IRA also requires a $1K minimum deposit.

0.20%$1k-AccessBank Texas9 Month Accessible CD
Rates as of October 25, 2021.

According to CSR, the Early Withdrawal Penalty on CDs with terms of less than 24 months is 90 days interest.

Many thanks to DA member, PearlBrown, for her Forum posting about AccessBank Texas.


Located in Denton, Texas, AccessBank Texas’ primary market area is the Denton/Fort Worth/Dallas triangle, with Denton being the apex.

Opening any account at AccessBank Texas requires an in-person visit to the sole branch located in Denton (40 miles northwest of Dallas).

While AccessBank Texas does have online banking capabilities, it is currently limited to account management and bill payment.

Bank Overview

AccessBank Texas has an overall health grade of "A+" at, with a Texas Ratio of 2.58% (excellent), based on December 31, 2014 data. In the past year, AccessBank Texas increased its total deposits by $14.47 Million, an excellent annual growth rate of 13.3%. Please refer to our financial overview of AccessBank Texas for more details.

AccessBank Texas (FDIC Certificate # 58562) is a relatively young bank, having been established in 2007 as the Access 1st Capital Bank; the name was changed to AccessBank Texas four years later. While AccessBank Texas has served the Denton community since its inception with a focus on local economic, business and retail banking needs, depositors from the Fort Worth/Dallas metropolitan area are welcome.

How the CDs Compare

When compared to other similar length-of-term CDs tracked by, that require a similar minimum deposit and are available to Texas residents, AccessBank Texas’ 9-month Accessible CD is currently ranked in the top three, and the one-time no penalty and additional deposit features only add to its competitiveness.

The 17-month CD is currently 6th in the list of similar length-of-term CDs available to Texas residents, that range from 1.65% APY (Quorum Federal Credit Union) to 1.30% APY (AccessBank Texas).

How the IRA Compares

When compared to other similar length-of-term IRAs tracked by, that require a similar minimum deposit and are available to Texas residents, AccessBank Texas’ 24-month IRA is competitive.

The above rates are accurate as of 3/9/2015.

To look for the best nationwide CD rates and the best CD rates in your state, please refer to our CD rates table.

To look for the best nationwide IRA rates and the best IRA rates in your state, please refer to our IRA CD rates table.

Related Pages: AccessBank Texas, Dallas


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.