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Certificates & Money Markets

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Get Your Return on Investment With Some of The Best Rates in Houston!


Certificates are term-length savings accounts that offer a guaranteed return on investment! People's Trust is offering one of the most competitive Certificate rates currently in the market. 

  • Terms available from 3 to 60 months
  • $1,000 minimum opening deposit
  • Competitive rates

Money Market

Want more accessibility and benefits than a Certificate? Our Money Market accounts are not only a great savings account that will earn you a higher interest rate, but you will also get rewarded for taking advantage of our additional products and services. The more points you have will earn you a higher APY.

Each product and service below is one (1) point:
  • A loan balance over $1,000
  • Five (5) signature based debit card transactions in the prior month 
  • Checking balance over $1,000
  • Direct Deposit or payroll deduction
  • Active user of Bill Pay
  • Receives e-Statements 
  • Membership with the credit union of 20 years or more 
  • A Membership Savings account
  • Certificate account over $1,000
  • Credit Card balance over $1,000
  • Line of Credit with a balance over $1,000

Depending on how many points you have in the current month, will determine your Money Market level:

  • Classic Money Market- 1-2 points
  • Gold Money Market - 3-5 points
  • Premier Money Market - More than 6 points

Check our rates based on your Money Market level and deposit amount.