Ciera Bank savings, CD and money market rates
Ciera Bank's Savings Account offers 1.55% APY on balances of $50,000 or more, and 1.05% below that. On a $10,000 balance the account earns 1.05% overall, about $105 in a year, which is 0.67 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #613 of 3052 tracked savings rates by advertised APY. For a $10,000 balance it would rank #512.
Ciera Bank at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 1.55% · Savings Account · needs at least $50,000 |
| Minimum to open | $100 · Savings Account |
| Against the national average | 1.17 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.20% · 24 months · 24 Month CD |
| Minimum to open | $1,000 · 24 months CD |
| Against the national average | 2.65 percentage points above the 1.55% FDIC 24-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 3.45% · Money Market Savings Account · needs at least $1,000,000 |
| Minimum to open | $2,500 · Money Market Savings Account |
| Against the national average | 2.82 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 3226 · Graham, TX |
|---|---|
| Website | www.cierabank.com |
| Branches | 8 branches in TX |
| Availability | Available in TX |
Ciera Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Ciera Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 3.90% | $1,000 | 90 Day CD |
| 3 months | 3.75% | $10,000 | IntraFi CDARS 13 Weeks CD |
| 6 months | 4.05% | $1,000 | 180 Day CD |
| 6 months | 4.05% | $50 | 180 Day EZ Saver CD |
| 6 months | 3.90% | $10,000 | IntraFi CDARS 26 Weeks CD |
| 12 months | 4.10% | $1,000 | 12 Month CD |
| 12 months | 4.10% | $50 | 12 Month EZ Saver CD |
| 12 months | 3.95% | $10,000 | IntraFi CDARS 52 Weeks CD |
| 18 months | 4.15% | $1,000 | 18 Month CD |
| 24 months | 4.20% | $1,000 | 24 Month CD |
| 24 months | 4.05% | $10,000 | IntraFi CDARS 2 Years CD |
| 36 months | 4.10% | $1,000 | 36 Month CD |
| 36 months | 4.00% | $10,000 | IntraFi CDARS 3 Years CD |
| 48 months | 4.15% | $1,000 | 48 Month CD |
| 60 months | 4.20% | $1,000 | 60 Month CD |
| IRA CDs | |||
| 6 months | 3.70% | $100 | 180 Day IRA CD |
| 12 months | 3.75% | $100 | 12 Month IRA CD |
| 18 months | 3.80% | $100 | 18 Month IRA CD |
| 24 months | 3.85% | $100 | 24 Month IRA CD |
| 36 months | 3.75% | $100 | 36 Month IRA CD |
| 48 months | 3.80% | $100 | 48 Month IRA CD |
| 60 months | 3.85% | $100 | 60 Month IRA CD |
Interactive Tool
Calculate Savings for Ciera Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$396.40(2.8%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,396.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Ciera Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 1.55% needs a balance of at least $50,000. Below that, the account advertises 1.05%.
In Q2 2026, Ciera Bank paid a higher average rate on savings and money market deposits than 58% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Ciera Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Savings Account | Up to 1.55% | $100 | $0 | None | not stated | not stated | Tiered | not enough history |
| Health Savings Account | 1.35% | $100 | $0 | None | not stated | not stated | Tiered | not enough history |
| Money Market Savings Account | Up to 3.45% | $2,500 | $0 | None | not stated | not stated | Tiered | not enough history |
| IntraFi ICS Money Market Deposit Account | Up to 3.05% | $0 | $10,000 | None | not stated | not stated | Tiered | not enough history |
| Money Market Account | 1.55% | $1,000 | $0 | None | not stated | not stated | Tiered | not enough history |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 90 Day CD | 3 months | 3.90% | $1,000 | not stated | not stated |
| IntraFi CDARS 13 Weeks CD | 3 months | 3.75% | $10,000 | not stated | not stated |
| 180 Day CD | 6 months | 4.05% | $1,000 | not stated | not stated |
| 180 Day EZ Saver CD | 6 months | 4.05% | $50 | not stated | not stated |
| IntraFi CDARS 26 Weeks CD | 6 months | 3.90% | $10,000 | not stated | not stated |
| 12 Month CD | 12 months | 4.10% | $1,000 | not stated | not stated |
| 12 Month EZ Saver CD | 12 months | 4.10% | $50 | not stated | not stated |
| IntraFi CDARS 52 Weeks CD | 12 months | 3.95% | $10,000 | not stated | not stated |
| 18 Month CD | 18 months | 4.15% | $1,000 | not stated | not stated |
| 24 Month CD | 24 months | 4.20% | $1,000 | not stated | not stated |
| IntraFi CDARS 2 Years CD | 24 months | 4.05% | $10,000 | not stated | not stated |
| 36 Month CD | 36 months | 4.10% | $1,000 | not stated | not stated |
| IntraFi CDARS 3 Years CD | 36 months | 4.00% | $10,000 | not stated | not stated |
| 48 Month CD | 48 months | 4.15% | $1,000 | not stated | not stated |
| 60 Month CD | 60 months | 4.20% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 180 Day IRA CD | 6 months | 3.70% | $100 | not stated | not stated |
| 12 Month IRA CD | 12 months | 3.75% | $100 | not stated | not stated |
| 18 Month IRA CD | 18 months | 3.80% | $100 | not stated | not stated |
| 24 Month IRA CD | 24 months | 3.85% | $100 | not stated | not stated |
| 36 Month IRA CD | 36 months | 3.75% | $100 | not stated | not stated |
| 48 Month IRA CD | 48 months | 3.80% | $100 | not stated | not stated |
| 60 Month IRA CD | 60 months | 3.85% | $100 | not stated | not stated |
Opening and using the account
| Availability | Available in TX |
|---|---|
| Footprint | 8 branches in TX |
| Eligibility | not stated |
How Ciera Bank behaves over time
- Rate last changed
- Oct 17, 2026(effective date)
$10,000 in Ciera Bank's Savings Account earns 1.05% overall at the advertised rates, so it grows to $10,105 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,741 does today. See how the federal funds rate shapes savings rates.
Ciera Bank CD rates over time
Who is Ciera Bank?
| Headquarters | Graham, TX |
|---|---|
| Founded | 1889 |
| Scale | $993M assets · $869M deposits, $642M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 3226 |
| Charter state | Texas · one of 349 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,004th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 54% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Ciera Bank pays on deposits above.
Common questions about Ciera Bank
Is Ciera Bank FDIC insured?
Yes. Ciera Bank is FDIC insured under certificate 3226, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Ciera Bank?
Ciera Bank requires a minimum deposit of $100 to open its Savings Account, as observed on Oct 17, 2026. Check the bank's current terms before you open an account.
Does the 1.55% apply to my whole balance?
The 1.55% needs a balance of at least $50,000. Below that, the account advertises 1.05%. Rates are as observed on Oct 17, 2026.
Does Ciera Bank have branches?
Yes. Ciera Bank operates 8 branches according to FDIC branch records, in addition to its website and mobile apps.
Ciera Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Ciera Bank | Up to1.55% | 1.64% | $100 | 8 branches in TX |
| FWBank | 1.55% | 1.51% | $100 | 1 branch in IL |
| Bank of Prague | 1.51% | 2.05% | $0 | 1 branch in NE |
| Cape Ann Savings Bank | 1.51% | 1.52% | $15,000 | 4 branches in MA |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Ciera Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Texas, nearest to Ciera Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Texas, CD rates in Texas, money market rates in Texas, and banks in Texas.