Schertz Bank & Trust

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

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

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.schertzbank.com

210-945-7400

519 Main Street
Schertz, TX 78154-2144

Schertz Bank & Trust is headquartered in SCHERTZ and is the 118^th largest bank in the state of Texas. It is also the 1,230^th largest bank in the nation. It was established in 1913 and as of March of 2025, it had grown to 69 employees at 6 locations. Schertz Bank & Trust's CD rates are 4X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	10344
Year Established	1913
Employees	69
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.39%
Return on Equity - YTD	12.48%
Annual Interest Income	$13.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$813.6MM$872.9MM
Loans	Q1 2025vs Q1 2024	$660.2MM$700.9MM
Deposits	Q1 2025vs Q1 2024	$712.1MM$765MM
Equity Capital	Q1 2025vs Q1 2024	$95.7MM$86.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$9.2MM$8.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.2MM$231K
Real Estate Owned	Q1 2025vs Q1 2024	$694K$70K

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

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

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
CD
IRA

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

Schertz Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%	$100	-	Savings Account
0.03%	$100	-	Business Savings Account

Schertz Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$100k^*	-	Money Market Checking
OTHER TIERS: 0.03% → $0 - $25k \| 0.05% → $25k - $50k \| 0.07% → $50k - $75k \| 0.10% → $75k - $100k
0.15%^*	$100k^*	-	Business Money Market Checking
OTHER TIERS: 0.03% → $0 - $25k \| 0.05% → $25k - $50k \| 0.07% → $50k - $75k \| 0.10% → $75k - $100k

Schertz Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.04%	$1k	-	180 Day CD
4.04%	$100k	-	180 Day Jumbo CD
4.04%	$1k	-	Business 180 Day CD
4.04%	$100k	-	Business 180 Day Jumbo CD
3.80%	$1k	-	1 Year CD
3.80%	$100k	-	1 Year Jumbo CD
3.80%	$1k	-	Business 1 Year CD
3.80%	$100k	-	Business 1 Year Jumbo CD
3.55%	$1k	-	1 1/2 Year CD
3.55%	$1k	-	2 Year CD
3.55%	$100k	-	2 Year Jumbo CD
3.55%	$1k	-	Business 1 1/2 Year CD
3.55%	$1k	-	Business 2 Year CD
3.55%	$100k	-	Business 2 Year Jumbo CD
3.29%	$1k	-	2 1/2 Year CD
3.29%	$1k	-	3 Year CD
3.29%	$100k	-	3 Year Jumbo CD
3.29%	$1k	-	Business 2 1/2 Year CD
3.29%	$1k	-	Business 3 Year CD
3.29%	$100k	-	Business 3 Year Jumbo CD
3.24%	$100k	-	4 Year Jumbo CD
3.24%	$100k	-	5 Year Jumbo CD
3.24%	$100k	-	Business 4 Year Jumbo CD
3.24%	$100k	-	Business 5 Year Jumbo CD
3.14%	$1k	-	4 Year CD
3.14%	$1k	-	5 Year CD
3.14%	$1k	-	Business 4 Year CD
3.14%	$1k	-	Business 5 Year CD
2.01%	$1k	-	90 Day CD
2.01%	$100k	-	90 Day Jumbo CD
2.01%	$1k	-	Business 90 Day CD
2.01%	$100k	-	Business 90 Day Jumbo CD

Schertz Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	5 Year Fixed Rate IRA
1.61%	$1k	-	4 Year Fixed Rate IRA
1.61%	$100	-	5 Year Variable Rate IRA
1.51%	$1k	-	3 Year Fixed Rate IRA
1.51%	$100	-	4 Year Variable Rate IRA
1.46%	$100	-	3 Year Variable Rate IRA
1.36%	$1k	-	18 Month Fixed Rate IRA
1.26%	$1k	-	12 Month Fixed Rate IRA
1.26%	$100	-	18 Month Variable Rate IRA
1.15%	$100	-	12 Month Variable Rate IRA

Locations

Schertz Bank & Trust Locations
Ih 35 Branch	16852 Ih 35 North	Schertz, TX 78154
San Marcos Branch	2202 Hunter Road	San Marcos, TX 78666
Sequin Branch	203 Highway 123 Bypass North	Seguin, TX 78155
Kirby Branch	5020 F.m. 78	Kirby, TX 78233
Schertz Bank & Trust	519 Main St	Schertz, TX 78154
Schertz Bank & Trust New Braunfels B	1174 Loop 337	New Braunfels, TX 78130

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