Keystone Bank (TX)

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.keystone.bank

512-982-9150

13715 East Ladera Blvd
Bee Cave, TX 78738

Keystone Bank (TX) is headquartered in AUSTIN and is the 90^th largest bank in the state of Texas. It is also the 1,014^th largest bank in the nation. It was established in 1997 and as of March of 2025, it had grown to 87 employees at 3 locations. Keystone Bank (TX)'s money market rates are 8X the national average, and it boasts an A+ health rating.

Reviews (2)

Write a Review

So Far, So Good !

Posted by: RLunder | Mar 25, 2024

I have had my Keystone Bank account for about 1 year and everything has gone flawlessly. I opened my account online with no problems or issues. I was able to capitalize my account with little delays, and now I easily move money in and out of my account instantly.
With a 6.00& APY and a $50K limit, it's hard to find any fault with Keystone Bank.

Comment

Outside Of Austin? Don't Waste Your Time.

Posted by: AFCGooner | Sep 13, 2023

This bank showed up as an option for Texas. They are headquartered in Austin and I'm in Dallas. Applied and was rejected because I don't live in Austin or San Angelo. This should be explicitly defined in the qualifications on depositaccounts and on the company's website. It is nowhere to be found on either.

Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	34456
Year Established	1997
Employees	87
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	9.64%
Annual Interest Income	$15MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.02B$917.1MM
Loans	Q1 2025vs Q1 2024	$777.3MM$714.2MM
Deposits	Q1 2025vs Q1 2024	$862.3MM$758MM
Equity Capital	Q1 2025vs Q1 2024	$97.9MM$88.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$7.3MM$6.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$179K$3.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not Keystone Bank (TX); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Keystone Bank (TX) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.75%^*	$0	$100k	Keystone Rewards Savings
OTHER TIERS: 0.50% → $100k+

Keystone Bank (TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.56%^*^†	$250k^*	-	Money Market
OTHER TIERS: 3.04% → $0 - $100k \| 3.30% → $100k - $250k

Keystone Bank (TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.50%^*	$0	$50k	Keystone Rewards Checking
OTHER TIERS: 0.50% → $50k+

Keystone Bank (TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.02%^†	$1k	-	6 Month CD
3.92%^†	$1k	-	12 Month CD
3.87%^†	$1k	-	18 Month CD
3.61%^†	$1k	-	24 Month CD
3.56%^†	$1k	-	3 Month CD
3.14%^†	$1k	-	36 Month CD
2.84%^†	$1k	-	48 Month CD
2.68%^†	$1k	-	60 Month CD

Locations

Keystone Bank (TX) Locations
Ballinger Branch	900 Hutchins Avenue	Ballinger, TX 76821
Downtown Austin - Pressler Branch	507 Pressler Street, Suite 400	Austin, TX 78703
Bee Cave Branch & HQ	13715 East Ladera Blvd	Bee Cave, TX 78738

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