Interest Rates

Interest rates effective as of May 17, 2013.

Deposit Accounts

Account Type	Balance requirements	APY*	Interest Rate

Advantage Money Market	$10,000.00 and Over	0.40%	0.40%
	$2,500 to $9,999.99	0.20%	0.20%
	$0 to $2,499.99	0.20%	0.20%
Advantage Checking	-	0.20%	0.20%
Now Checking	-	0.20%	0.20%
Regular Savings	-	0.20%	0.20%
Texas Reward Checking	Qualifying balances up to and including $25,000	3.04%	3.00%
	Non-qualifying balances and balances over $25,000	0.25%	0.25%

Cerificates of Deposit (CDs)

CD Accounts	Minimum to Open	APY*	Interest Rate

30 Day	$500	0.30%	0.30%
90 Day	$500	0.35%	0.35%
6 Month	$500	0.40%	0.40%
1 Year	$500	0.40%	0.40%
18 Month	$500	0.50%	0.50%
2 Year	$500	0.75%	0.75%
30 Month	$500	0.90%	0.90%
3 Year	$500	1.00%	1.00%
4 Year	$500	1.26%	1.25%
5 Year	$500	1.51%	1.50%

Individual Retirement Accounts (IRAs)

IRA Accounts	Minimum to Open	APY*	Interest Rate

Advantage IRA - 24 Months	$500	0.75%	0.75%
6 Month	$500	0.40%	0.40%
1 Year	$500	0.40%	0.40%
18 Month	$500	0.50%	0.50%
2 Year	$500	0.75%	0.75%
30 Month	$500	0.90%	0.90%
3 Year	$500	1.00%	1.00%
4 Year	$500	1.26%	1.25%
5 Year	$500	1.51%	1.50%

*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.