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Deposit Interest Rates

Make your money work for you with an interest-bearing account.

APY accurate as of 9/19/2025

Penalties may be assessed for early CD & IRA withdrawals.

For complete product details and disclosures, please email us, call us, or contact one of our Woodforest Retail Bankers.

Select the button below to choose from all our products offered.

Choice Checking Learn More Account Overview
Platinum Plus Checking Learn More Account Overview
Sterling Advantage Learn More Account Overview
Annual Percentage Yield (APY)
0.25%
0.65%
0.10%
Balance Required to Earn APY
$1,000
$0.01
$1,000
Transaction Limits
Unlimited
Unlimited
Unlimited
Savings Account Under $10,000 Learn More Account Overview
Savings Account Over $10,000 Learn More Account Overview
Emerald Elite 1st Tier Learn More Account Overview
Emerald Elite 2nd Tier Learn More Account Overview
Emerald Elite 3rd Tier Learn More Account Overview
Emerald Elite 4th Tier Learn More Account Overview
Big Account Learn More Account Overview
Annual Percentage Yield (APY)
0.20%
0.35%
1.25%
1.75%
2.25%
3.25%
0.25%
Balance Required to Earn APY
$0.01
$10,000
$0.01
$100,000
$250,000
$500,000
$0.01
Transaction Limits
Limited
Limited
Limited
Limited
Limited
Limited
Limited
8 Month(1)
13 Month(2)
6 Month
1 Month
3 Month
1 Year
2 Year
3 Year
4 Year
5 Year
Annual Percentage Yield (APY)(3)
4.00%
3.00%
2.50%
0.25%
2.25%
2.25%
2.50%
1.50%
1.30%
1.35%
6 Month
1 Year
2 Year
3 Year
4 Year
5 Year
Annual Percentage Yield (APY)(4)
2.50%
2.25%
2.50%
1.50%
1.30%
1.35%
Deposit Interest Rates Deposit Interest Rates

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Managing Your Account

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Overdraft Services

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The annual percentage yields (APY) listed above are accurate as of the date posted above.

For Checking and Savings Accounts, the daily balance method is used to calculate interest. The interest rate is variable and may change after the account is opened. Fees could reduce earnings on the account. A $25 minimum opening deposit is required for our checking and savings products.

For Certificates of Deposit and IRAs, the daily balance method is used to calculate the interest. A $500 minimum deposit is required for Certificates of Deposit and IRAs. Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

For complete information regarding our products, services, fees, and terms, please speak with a Woodforest Retail Banker.

(1) Special Promotional APY is subject to change without notice. This offer is valid for consumers only. At maturity, the 8-month CD term will auto-renew to a 6-month CD term at the then-current rate. This is a limited time offer and may be withdrawn at any time without notice.

(2) Special Promotional APY is subject to change without notice. This offer is valid for consumers only. At maturity, the 13-month CD term will auto-renew to a 1-year CD term at the then-current rate. This is a limited time offer and may be withdrawn at any time without notice.

(3) The APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity.