Interest Bearing Products

Our banking professionals will work with you to provide excellent financial services customized to meet your specific needs. Locally owned and operated since 1890, First National Bank of Giddings is here for you.

Rest assured knowing deposits are insured up to $250,000 by the Federal Deposit Insurance Corporation.

Regular Savings Account

  • $50.00 minimum opening balance
  • Earns interest
  • No monthly service charge with a $50.00 minimum daily balance
  • If balance falls below $50.00, a service charge of $1.00 will be assessed
  • Withdrawals, transfers, or debits in excess of one per month will be assessed a $2.00 fee per item
  • You may make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per month to another account or to a third party by means of a pre-authorized, automatic, or telephone transfers
    (The restrictions do not apply to transfers to another account of yours or to withdrawals payable directly to you when such transfers or withdrawals are made by ATM, mail or in person)

Money Market Account

  • $2,500.00 minimum opening balance
  • Earns Interest
  • No monthly service charge with a $2,500.00 minimum daily balance
  • If balance falls below $2,500.00, a service charge of $10.00 will be assessed
  • Unlimited in-person deposits and withdrawals
  • Ability to make six pre-authorized or telephone transfers or withdrawals per month, with three by third-party check
  • Withdrawals or transfers in excess of three made by check, draft, or similar means payable to third parties will be assessed a $20.00 fee per item

Commercial Savings Accounts and Commercial Money Market Accounts

Certificates of Deposit

A Certificate of Deposit (CD) is a safe investment tool that offers great fixed or variable rates by securing your money for a predetermined term. We offer a variety of terms ranging from 30 days to 5 years. The interest rate will correspond to the length of time you choose. Rest assured that First National Bank of Giddings has some of the most competitive rates around.

Among the features of our CDs:

  • Minimum balance requirement of $1,000.00 to open
  • Guaranteed interest rate based on certificate term
  • Automatically renewable
  • Various interest payment plans

To get our current rates, please contact one of our New Accounts Representatives at 979-542-1200.

* Please note that there may be a penalty for early withdrawal.

CDARS® (Certificate of Deposit Account Registry Service)

Through the CDARS® service, First National Bank of Giddings can provide you with easy access to multi - million dollar FDIC protection on its CD investments.

How You Benefit from CDARS:

  • Full Insurance – Using the CDARS® service, you can access up to $50 million in FDIC protection on CD investments*
  • One Bank
  • One Statement
  • No Fees
  • No Collateralization
  • A wide variety of Maturities

To see a video of how the program works, click here to be directed to the CDARS® website. Once there, click on the video in the middle of the page.

For more information about CDARS® or to get started:

*Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us.


We all need to be prepared for retirement, so let First National Bank help secure your future. We offer Individual Retirement Accounts to help meet your savings needs. Your contributions may even be tax deductible, depending on eligibility. We offer Traditional IRAs and Roth IRAs, as well as SEPS accounts. IRAs are subject to all IRS rules and limitations.

Health Savings Accounts

Health Savings Accounts were created to help individuals and families save for current and future qualified medical expenses on a tax-free basis. Certain insurance plans as well other medical and non-medical benefit plans can exclude you from eligibility.

Multi-ethnic group of business persons talking in the office 

Have Questions?

For full details on these accounts, or any of our accounts, please call 979-542-1200.

Contact Us




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