Interest Rates

Interest rates effective as of October 31, 2014.

Deposit Accounts

Account TypeBalance requirementsAPY*Interest Rate
Advantage Money Market

Minimum to open is $2,500.00; Interest Rate is subject to change after account is opened.

$10,000.00 and Over0.40%0.40%
$2,500 to $9,999.990.20%0.20%
$0 to $2,499.990.20%0.20%
Now Checking

Minimum to open is $1,500.00; Interest Rate is subject to change after account is opened.

-0.20%0.20%
Regular Savings

Minimum to open is $100.00; Interest Rate is subject to change after account is opened.

-0.20%0.20%
Texas Reward Checking

Minimum to open is $100.00; Interest Rate is subject to change after account is opened.

Qualifying balances up to and including $25,0003.04%3.00%
Non-qualifying balances and balances over $25,0000.25%0.25%
Business Money Market

Minimum to open is $2,500.00; Interest Rate is subject to change after account is opened.

$10,000.00 and Over0.40%0.40%
$2,500 to $9,999.990.20%0.20%
$0 to $2,499.990.20%0.20%

Cerificates of Deposit (CDs)

CD AccountsMinimum to OpenAPY*Interest Rate
30 Day$5000.30%0.30%
90 Day$5000.35%0.35%
180 Day$5000.50%0.50%
1 Year$5000.40%0.40%
18 Month$5000.50%0.50%
2 Year$5000.75%0.75%
30 Month$5000.90%0.90%
3 Year$5001.00%1.00%
4 Year$5001.31%1.30%
5 Year$5001.61%1.60%

Individual Retirement Accounts (IRAs)

IRA AccountsMinimum to OpenAPY*Interest Rate
Advantage IRA - 24 Months$5000.75%0.75%
6 Month$5000.50%0.50%
1 Year$5000.40%0.40%
18 Month$5000.50%0.50%
2 Year$5000.75%0.75%
30 Month$5000.90%0.90%
3 Year$5001.00%1.00%
4 Year$5001.31%1.30%
5 Year$5001.61%1.60%

*Annual Percentage Yield. Interest rates subject to change at any time. Fees could reduce the earnings. A substantial penalty may be imposed for early withdrawal of Certificates of Deposit. A substantial penalty may be imposed for early withdrawal of Individual Retirement Accounts (IRAs). You may call 903-657-1466 to obtain the most current rate information.