Your Money Has Been Patient Long Enough.

High-Yield Checking Built for the Hill Country

Earn up to 2.60%* APY on new checking deposits of $75,000 or more.

Note: Interest rates are adjusted quarterly.

Collected Balance	Interest Rate	APY
$0.00 – $74,999.99	0.00%	0.00%
$75,000 – $249,999.99	Federal Funds Rate minus 2.00%	Variable
$250,000 and above	Federal Funds Rate minus 1.00%	Variable

Account Requirements & Disclosures:

Minimum Opening Deposit: $75,000 required. New money only.
Minimum Balance to Earn Interest: $75,000.00. Balances below $75,000 will not earn interest.
Monthly Service Charge: $15.00. No monthly service charge will be assessed when the collected balance exceeds $75,000.

*Annual Percentage Yields (APY) are accurate as of 4/27/2026. A minimum deposit of $75,000 in new money (funds not currently on deposit at Guadalupe Bank) is required to open the account. No interest is paid on balances under $75,000. Earn 1.60% APY on balances of $75,000–$249,999 and 2.60% APY on balances greater than $249,999.99. Interest rates and APYs are subject to change at any time without notice before and after account is opened. Fees may reduce earnings.

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Your money might be sitting in a big bank earning almost nothing. There is a better home for it. Guadalupe Bank offers the competitive rates you deserve, backed by the community trust you expect. We provide faster, more personal service without the lock-in or hidden fees of national chains.

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Built Here. Banking Here. Growing Here.

Since 2008, Guadalupe Bank has been a cornerstone of the Hill Country. We are proud to offer the Patriot Cash Reserve Checking account as a testament to our enduring commitment to this community and its financial independence.

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Don't Leave Money on the Table

Move your idle cash to a high-yield account that rewards your success.

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