Personal Banking
Ciera Bank provides a variety of checking, savings and loan options to fit virtually any individual or lifestyle need. If you don’t see the premiere solution that you’re looking for, let’s talk about it. We have branches all over North Texas ready to serve.
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Ciera Checking
Ciera Bank offers multiple non-interest-bearing checking account options to suit your personal needs. Our suite of checking accounts offer debit cards, bill payments, online banking, mobile banking, e-Statements, and more.
| Product | Minimum to Open | Service Fees |
e-Statements¹
| Paper Statement |
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CIERA ADVANTAGE
This account offers paper or paperless statements, check writing, unlimited withdrawals, and low monthly fees. |
$100 |
$3.00 per month, if daily balances less than $100 |
Yes |
$3.00 per month |
CIERA DEBIT
This is an unlimited withdrawal, debit card only account created especially for the active consumer. |
$100 |
$0 |
Yes |
No |
CIERA GOLD
Enjoy paper or paperless statements, unlimited withdrawals, plus membership benefits². |
$100 |
$10 |
Yes |
Optional |
CIERA SENIOR
Enjoy paper or paperless statements, unlimited withdrawals, membership benefits² and low monthly fees. |
$100 |
$7.00 per month, if daily balance falls below $500 |
Yes |
Optional |
CIERA STUDENT
Enjoy paperless statements and no monthly service fee until age 25. |
$25 |
$0 until age 25, then $3 per month if balance falls below $100. |
Yes |
No |
1 Requires enrollment in online banking. Monthly statements will be sent electronically via E-Statements.
2. Contact bank for details of membership
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Ciera Personal Savings
Want to earn interest on your money? Open a savings account with us.
• Competitive interest rates: interest is compounded daily and credited monthly.
• $100 minimum deposit to open.
• $3 monthly service fee, if daily balance falls below $200.
• Up to six withdrawals per statement cycle ($5 fee for each withdrawal over six).
Visit your local branch or call us for additional details and current rates.
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Ciera Student
A great first step in your child's financial planning. A perfect starter account for teens and young adults with the added comfort of parental oversight.
- $25 minimum deposit to open.
- $0 until age primary account holder reaches 25, then $3 per month if balance falls below $100.
- e-Statements.
Visit your local branch, or call us for additional details and current rates.
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Money Market Accounts
Our money market accounts have characteristics similar to checking and savings accounts, but they typically earn a higher rate of interest. Talk to one of our bankers to determine which account will work best for you.
Ciera Money Market Checking
- Competitive interest rates: interest is compounded daily and credited monthly.
- $1,000.00 minimum deposit to open.
- $10 monthly service fee, if daily balance falls below $1,000.
- Unlimited Withdrawals.
- Includes both check writing and debit card privileges.
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Ciera Money Market Savings
- Competitive interest rates: interest is compounded daily and credited monthly.
- $2,500.00 minimum deposit to open.
- $10 monthly service fee, if daily balance falls below $2,500.
- Up to six withdrawals per statement cycle ($5 fee for each withdrawal over six).
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Individual Retirement Account (IRA)
An Individual Retirement Accounts (IRA) provides a means of savings for retirement no matter what stage of life you’re in. Not only do IRA participants not have to pay taxes on earnings—gains, interest, or dividends—but these untouched compounded savings can really add up over time.
Traditional and Roth IRAs are available. A $100.00 minimum is required regardless of which you choose. Call us to discuss your retirement goals, and which IRA is right for you.
Call 940-549-2040
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Certificate of Deposit (CD)
CDs are an FDIC insured, low risk savings option that will allow you to earn interest over a particular timespan. Achieving maturity anywhere from 90 days to 5 years, and with low minimums to get started, CDs provide a flexible, safe and secure savings option that fits virtually any individual need.
- Competitive interest rates: interest is compounded daily and credited at maturity for CDs 180 days or less, and is compounded daily and credited quarterly for maturities over 180 days).
- Available for both short- or long-term options (90 days – 60 months).
- $50 minimum deposit to open EZ Saver CDs; $1,000 minimum deposit to open all other CDs.
Visit your local branch or call us for additional details and current rates.
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Health Savings Account (HSA)
An HSA helps those with HSA-qualified health plans shoulder the burden of many out-of-pocket medical expenses like office visits, prescription, vision and dental. Contributions are excluded from gross income, interest on the balance is tax deferred, and distributions for qualified medical expenses are tax-free. Please speak with a Ciera Bank representative for more information or visit the Department of the Treasury for more details.
- Contributions remain in your account – year to year.
- Stays with you even if you leave your employer or work force.
- Converts to a taxable "savings" account at 65 freeing the balance to be used for any purpose.
- Can be transferred to a spousal beneficiary upon death.
- Minimum balance of $100.00 to open.
- Includes automatic monthly transfers from your checking/savings.
- Monitored via Online Banking and/or monthly statement.
- FDIC insured.
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Mortgage Loan
Buying a home, building one, updating your existing residence, or borrowing against your home to get what you want, are all very important decisions that can decide the quality of your financial future for years. Ciera Bank has a highly experienced staff ready to help guide and assist you with the information you need to make well informed decisions. Ciera Bank offers many loan options designed to assist you specifically, such as:
- Bank retained mortgages.
- USDA, FHA, VA, and Conventional Loans.
- Primary or Secondary Homes.
- Jumbo Loans.
- Residential Lot purchases.
Your Ciera Bank expert can guide you through the entire loan process and assist you in choosing the right mortgage product for your specific needs and circumstances. Please check out the mortgage calculator and call 940-549-2040 to speak with your Ciera Bank Home Loan Expert.
Ciera Bank is an Equal Housing Lender.
NMLS# 456951
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Interim Construction
A construction loan provides you with the money necessary to build your new home from start to finish. With a construction loan from Ciera Bank, you will be able to pay your builder in stages based on the progress of construction.
- Loans may include the purchase price of the lot.
- Only pay interest on the amount you draw.
- No prepayment penalties.
- Good for making home improvements as well.
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Home Equity -
Term and Lines of Credit
Use the equity in your home to pay for home improvements or other major expenses by getting a Ciera Bank Home Equity Loan or Home Equity Line of Credit (HELOC).
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Home Equity Term Loan
- Installment loan in which all funds are advanced in one lump sum.
- Secured by first or second lien on your home.
Visit your local branch or call us today at 940-549-2040.
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Home Equity Line of Credit (HELOC)
- Have revolving access to funds during the draw period.
- Make interest-only payments during the draw period.
- After the initial draw period ends, the outstanding balance will be paid based on the remaining amortization period using monthly payments of principal and interest.
- Secured by a first or second lien on your home.
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Personal Lines of Credit (PLOC)
A personal line of credit is very similar to a credit card, without actually being one. Rather, it’s an unsecured revolving account (variable interest rate) giving you short term freedom to cover your bills/obligations, or even pursue any number of consumer interests like buying new furniture for your home or taking a vacation. The money is yours to use as you please.
Speak to one of our credit specialist to learn more.
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Auto / Boat / RV Loans
Ciera Bank handles new and used vehicle financing with competitive rates and agreeable terms. Application process and qualifications may vary.
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