Page 3 - Personal Banking 2017

SAVINGS

Sand Dollar Savings Home Improvement Loans
This savings account keeps your funds accessible and pays a competitive If you are thinking of an addition or renovation, our home improvement
interest rate, which is compounded and paid quarterly. You do not incur a loan will help you get started and see you through the entire project.
monthly maintenance fee when you keep a minimum average daily balance Our flexible terms and competitive rates help you turn your house into
of $200. You do not incur debit fees when you limit your debit transactions “home sweet home.”
to 2 per month (excluding electronic funds transfers). Further, Regulation D Home Mortgage Loans
transaction limits of 6 per month apply to certain transfers from this account.
When it’s time to buy a home, turn to Texas Gulf Bank for an array of
Gulf Rewards Savings (Gulf Rewards checking customers only) fixed- rate mortgages with a variety of terms. We also provide a full line of
Combine all your personal accounts at Texas Gulf Bank, N.A. with your conventional mortgage services, including comparative analysis of mortgage
Gulf Rewards Checking and Savings accounts. You will not pay a monthly options and refinancing of existing mortgages.
maintenance fee on the Gulf Rewards Savings Account and will receive a Interim Construction Mortgage Loans
slightly higher interest rate than the Sand Dollar Savings account provides. When you build your dream home, get your interim construction and home
You receive a single, easy-to-read monthly statement that summarizes your mortgage loans under the same roof. Attractive rates and flexible terms let
activity in every account. Regulation D transaction limits of 6 per statement you rest easy about your financing and get down to the business of building
cycle apply to certain transfers from this account.
your home.
Health Savings Account (HSA) Home Equity Loans
Health Savings Accounts help you and your family members save for future Use the equity in your home to borrow for less. Unlike a home improvement
health expenses tax-free when you have a high-deductible health plan. How loan, you choose the purpose – to buy a car, for personal expenses, or even
does it work? Begin by opening an HSA at Texas Gulf Bank, deposit tax- to refinance an existing debt. You get affordable terms and in most cases, the
deductible contributions and then pay your qualified medical expenses from interest is tax deductible. It’s the only way to borrow that lets you decide how
this account. These expenses include most medical care and services, dental to use the money and offers the potential for tax savings.*
and vision care. Unused funds in your HSA roll over from year to year, so you
never lose your tax-free investment. Consult your tax advisor on how an HSA * Consult your tax advisor regarding your individual tax situation.
might benefit you depending on your particular situation.
WEALTH MANAGEMENT SERVICES
INVESTMENTS
From estate planning and administration to purchasing an IRA, we will
Certificate of Deposit customize an investment strategy that meets your needs and objectives.
Earn a competitive interest rate for the duration of your time deposit with a Texas Gulf Bank offers:
Texas Gulf Bank Certificate of Deposit.
• Estate Planning • Estate Settlement
Individual Retirement Account (IRA) • Estate Administration • Trustee Services
Save for your retirement years with a Texas Gulf Bank IRA. By contributing • Investment Agent Services • Custody Services
annually, you and your spouse may qualify for tax savings, even if you already
participate in an employer-sponsored plan. Consult your tax advisor on how an Call us to schedule a personal meeting for a complimentary consultation. Our
IRA might benefit you, depending on your particular situation. experienced Wealth Management Officers will explain our service offerings
and advise you regarding what fits your financial needs
For more information on these deposit accounts, contact us at and goals.
800-467-7216 to obtain a Truth-In-Savings disclosure of terms,
conditions, fees, early withdrawal penalties and rate information. Wealth Management Department Investments include non-deposit
investments which are:
PERSONAL LOANS • Not bank deposits
• Not FDIC insured
Automobile, Recreational Vehicle or Boat Loans • Not insured by any federal government agency
Looking to buy a new car, recreational vehicle or watercraft? Consider a Texas • Not guaranteed by the bank
Gulf Bank installment loan for its competitive rates and payment schedules • May decrease in value
devised specifically with your budget in mind.