Proud To Serve Central Texas

You Don’t Have to Choose Between Local and Convenient Banking. Extraco is proud to have served local Central Texans for over 120 years. When you choose to bank with Extraco, you get the personalized service of a local bank along with the technology and convenience of a national bank.

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Lock In Your CD Rate Today

Lock in your CD rate today to make sure you earn the most for your money! Call us at 1.866.EXTRACO to open your CD today.

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Buy Your Dream Home

Our Extraco Mortgage Consultants are here to help you reach your homeownership goals. We have home loan options to fit your needs and budget!

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Extraco Insurance

Our team can help you get the best coverage for the best price on your home insurance, auto insurance, and more.

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Banking Resources

Blog Article

Maximizing Your Finances: The Power of Combining Checking and Savings Accounts

November 1, 2023

At Extraco Banks, we're committed to empowering your financial journey by providing robust solutions that cater to your banking needs. Join us as we dive deeper into the specifics of both the checking and savings accounts we offer, and the unparalleled benefits of bundling them together.

Blog Article

The Rule of Thumb for Emergency Savings: How Much is Enough?

May 11, 2023

Life is unpredictable, and emergencies happen when you least expect them. Having an emergency fund is essential to your financial planning.

Blog Article

How Can You Save Money With Home Insurance?

December 19, 2022

Need home insurance but could use some help figuring out where to start? We can help! Homeowner's insurance is essential to protecting your home and property. Your home is your biggest investment. So, you'll want to ensure it is well-protected should something happen that causes damage or liability concerns. And homeowner's insurance protects your home against loss or damage.

Blog Article

401K for Millennials: Planning Retirement with Confidence

September 25, 2023

Millennials, take control of your financial future and learn how 401K planning can maximize your savings and secure a comfortable retirement later.

Blog Article

Fifteen Smart Strategies to Grow Your Emergency Fund Faster

September 22, 2023

Need a boost to your emergency fund? Follow our 15 smart strategies to save more money and build a financial safety net faster.

Blog Article

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How to Use Student Checking Accounts to Teach Financial Literacy

April 1, 2025

Need a practical way to teach financial literacy? Read our blog and learn the benefits of student checking accounts, and how they help educate children about managing money.

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Important Disclosures and Information

Certificate of Deposit

A minimum of $1,000 required to open a CD and earn the Annual Percentage Yield (APY)
Minimum Balance of $1,000
A penalty for early withdrawal may be imposed
Fees may reduce earnings

Smart Rate Money Market Account

Annual Percentage Yield (APY)
Rates for accounts starting at $500,000.00 and above
Transfers to another account, or to a third party via any means are limited to 6 per statement cycle. A $5 fee will apply to each debit/check transactions exceeding the limitations with a maximum fee of $25 per month
APY and Annual Percentage Rate (APR) may change at the bank’s discretion. Fees may reduce earnings. Rates are subject to change