Spring Hill State Bank savings, CD and money market rates
Spring Hill State Bank's Savings Tier Account lists 0.35% APY on balances of $10,000 or more, and 0.25% below that. That is 0.03 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #1462 of 3150 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1232.
Estimate your earnings·What Spring Hill State Bank actually pays
Spring Hill State Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.35% · Savings Tier Account · needs at least $10,000 |
| Minimum to open | $100 · Savings Tier Account |
| Against the national average | 0.03 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.75% · 18 months · 18 Month Jumbo CD |
| Minimum to open | $99,000 · 18 months CD |
| Money market | |
| Top money market APY | Up to 2.84% · Money Market Tier Account · needs at least $2,000,000 |
| Minimum to open | $2,500 · Money Market Tier Account |
| Against the national average | 2.21 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 22526 · Longview, TX |
|---|---|
| Website | www.springhillbank.com |
| Branches | 2 branches in TX |
| Availability | Available in TX |
Spring Hill State Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
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 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Spring Hill State Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 6 months | 2.78% | $1,000 | 6 Month CD |
| 6 months | 3.60% | $99,000 | 6 Month Jumbo CD |
| 12 months | 2.88% | $1,000 | 12 Month CD |
| 12 months | 3.70% | $99,000 | 12 Month Jumbo CD |
| 18 months | 3.75% | $99,000 | 18 Month Jumbo CD |
| 24 months | 3.03% | $1,000 | 24 Month CD |
| 24 months | 3.44% | $99,000 | 24 Month Jumbo CD |
| 36 months | 3.03% | $1,000 | 36 Month CD |
| 36 months | 3.44% | $99,000 | 36 Month Jumbo CD |
| 48 months | 3.09% | $1,000 | 48 Month CD |
| 48 months | 3.49% | $99,000 | 48 Month Jumbo CD |
| 60 months | 3.09% | $1,000 | 60 Month CD |
| 60 months | 3.55% | $99,000 | 60 Month Jumbo CD |
| IRA CDs | |||
| 12 months | 2.94% | not stated | 12 Month Variable IRA CD |
| 30 months | 3.10% | not stated | 30 Month IRA CD |
| 60 months | 3.15% | not stated | 60 Month IRA CD |
Interactive Tool
Calculate Savings for Spring Hill State Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$111.90(0.8%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,111.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Spring Hill State 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 0.35% needs a balance of at least $10,000. Below that, the account advertises 0.25%.
In Q2 2026, Spring Hill State Bank paid a higher average rate on savings and money market deposits than 48% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Spring Hill State 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 Tier Account | 0.35% | $100 | $0 | None | A service charge fee of $5.00 will be charged to your account every quarter, if the balance in the account falls below $100.00 any day of the quarter., can be waived | not stated | Tiered | |
| Fine print: A $5.00 service charge applies each quarter the balance falls below $100 on any day. Six withdrawals a quarter are free, then $2.00 each. Accrued interest not yet credited is forfeited at closing. | ||||||||
| Money Market Tier Account | Up to 2.84% | $2,500 | $0 | None | not stated | not stated | Tiered | |
| Fine print: Up to six limited transfers per cycle, at most three by check or draft; each limited item over three costs $25.00. In-person withdrawals are unlimited. Uncredited interest is lost at closing. | ||||||||
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 | |||||
| 6 Month CD | 6 months | 2.78% | $1,000 | not stated | not stated |
| 6 Month Jumbo CD | 6 months | 3.60% | $99,000 | not stated | not stated |
| 12 Month CD | 12 months | 2.88% | $1,000 | not stated | not stated |
| 12 Month Jumbo CD | 12 months | 3.70% | $99,000 | not stated | not stated |
| 18 Month Jumbo CD | 18 months | 3.75% | $99,000 | not stated | not stated |
| 24 Month CD | 24 months | 3.03% | $1,000 | not stated | not stated |
| 24 Month Jumbo CD | 24 months | 3.44% | $99,000 | not stated | not stated |
| 36 Month CD | 36 months | 3.03% | $1,000 | not stated | not stated |
| 36 Month Jumbo CD | 36 months | 3.44% | $99,000 | not stated | not stated |
| 48 Month CD | 48 months | 3.09% | $1,000 | not stated | not stated |
| 48 Month Jumbo CD | 48 months | 3.49% | $99,000 | not stated | not stated |
| 60 Month CD | 60 months | 3.09% | $1,000 | not stated | not stated |
| 60 Month Jumbo CD | 60 months | 3.55% | $99,000 | not stated | not stated |
| IRA CDs | |||||
| 12 Month Variable IRA CD | 12 months | 2.94% | not stated | not stated | not stated |
| Fine print: The rate is variable. It can change during the term of the certificate. | |||||
| 30 Month IRA CD | 30 months | 3.10% | not stated | not stated | not stated |
| 60 Month IRA CD | 60 months | 3.15% | not stated | not stated | not stated |
Fine print for 7 CDs above: The bank caps the deposit at $250,000.00 without prior approval.
Opening and using the account
| Availability | Available in TX |
|---|---|
| Footprint | 2 branches in TX |
| Eligibility | not stated |
How Spring Hill State Bank behaves over time
Every observation of the advertised Savings Tier Account rate in the last 12 months was 0.35% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 8, 202618 Month Jumbo CDRaise:3.19%to3.75%
- Obs. Oct 7, 20266 Month CDRaise:2.63%to2.78%
- Obs. Oct 7, 202612 Month CDRaise:2.73%to2.88%
- Obs. Oct 7, 202624 Month CDRaise:2.83%to3.03%
- Obs. Oct 7, 202636 Month CDRaise:2.88%to3.03%
- Savings Tier Account
- The same as 30 days ago.
- 18 months CD
- Up 0.56 percentage points from 30 days ago.
$10,000 at the 0.35% APY Spring Hill State Bank advertises on Savings Tier Account grows to $10,035 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 $9,673 does today. See how the federal funds rate shapes savings rates.
Spring Hill State Bank CD rates over time
Who is Spring Hill State Bank?
| Headquarters | Longview, TX |
|---|---|
| Founded | 1977 |
| Scale | $238M assets · $187M deposits, $135M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 22526 |
| Charter state | Texas · one of 349 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,853rd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 3% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Spring Hill State Bank pays on deposits above.
Common questions about Spring Hill State Bank
Is Spring Hill State Bank FDIC insured?
Yes. Spring Hill State Bank is FDIC insured under certificate 22526, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Spring Hill State Bank?
Spring Hill State Bank requires a minimum deposit of $100 to open its Savings Tier Account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does the 0.35% apply to my whole balance?
The 0.35% needs a balance of at least $10,000. Below that, the account advertises 0.25%. Rates are as observed on Nov 2, 2026.
Does Spring Hill State Bank have branches?
Yes. Spring Hill State Bank operates 2 branches according to FDIC branch records, in addition to its website and mobile apps.
Spring Hill State Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Spring Hill State Bank | 0.35% | 1.40% | $100 | 2 branches in TX |
| Albany Bank and Trust Company National Association | 0.35% | 1.80% | $500 | 4 branches in IL |
| Century Bank of Florida | 0.35% | 1.30% | $25,000 | 1 branch in FL |
| Crossroads Bank | Up to0.35% | 0.35% | $50 | 2 branches in IL |
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 Spring Hill State 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 Spring Hill State Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Texas, money market rates in Texas, and banks in Texas.