Interest Rates

APY = Annual Percentage Yield. Interest rates effective as of December 29, 2017. You may call 903-657-1466 to obtain the most current interest rate information.

Texas Reward Checking

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Balance Requirements Minimum Required Opening Deposit Interest Rate APY
Qualifying balance less than and equal to $25,000 $100 2.50% 2.53%
Qualifying balance greater than $25,000 $100 0.20% 0.20%
Non-qualifying rate (all balances) if account requirements are not met $100 0.20% 0.20%

Interest Rate is subject to change after account is opened.

Interest Checking

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Balance Requirements Minimum Required Opening Deposit Interest Rate APY
$750* $100 0.25% 0.25%

Interest Rate is subject to change after account is opened.

*$750 minimum daily balance required to avoid the $7.50 monthly fee.

Savings Account

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Balance Requirements Minimum Required Opening Deposit Interest Rate APY
$100* $100 0.25% 0.25%

Interest Rate is subject to change after account is opened. 

*$100 minimum daily balance required to avoid the $5 monthly fee.

Student / Senior Savings

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Balance Requirements Minimum Required Opening Deposit Interest Rate APY
N/A $100 0.25% 0.25%

Interest Rate is subject to change after account is opened.

Advantage Money Market

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Balance Requirements Minimum Required Opening Deposit Interest Rate APY
$0 - $2,500 $2,500 0.25% 0.25%
$2,500 - $9,999.99 $2,500 0.30% 0.30%
$10,000+ $2,500 1.10% 1.11%

Interest Rate is subject to change after account is opened.

Business Interest Checking

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Balance Requirements Minimum Required Opening Deposit Interest Rate APY
$750* $100 0.25% 0.25%

Interest Rate is subject to change after account is opened.

*$750 minimum daily balance required to avoid the $7.50 monthly fee.

Business Money Market

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Balance Requirements Minimum Required Opening Deposit Interest Rate APY
$0 - $2,500 $2,500 0.25% 0.25%
$2,500 - $9,999.99 $2,500 0.30% 0.30%
$10,000+ $2,500 1.10% 1.11%

Interest Rate is subject to change after account is opened.

Certificates of Deposit (CDs)

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Term Minimum Required Opening Deposit APY Interest Rate
30 Day $500 0.50% 0.50%
90 Day $500 0.70% 0.70%
180 Day $500 0.90% 0.90%
1 Year $500 1.16% 1.15%
18 Months $500 1.26% 1.25%
2 Years $500 1.51% 1.50%
30 Months $500 1.51% 1.50%
3 Years $500 1.61% 1.60%
4 Years $500 1.76% 1.75%
5 Years $500 2.12% 2.10%

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.

Individual Retirement Accounts (IRAs)

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Term Minimum Required Opening Deposit APY Interest Rate
Advantage IRA - 24 Months $500 1.51% 1.50%
6 Months $500 0.90% 0.90%
1 Year $500 1.16% 1.15%
18 Months $500 1.26% 1.25%
2 Years $500 1.51% 1.50%
30 Months $500 1.51% 1.50%
3 Years $500 1.61% 1.60%
4 Years $500 1.76% 1.75%
5 Years $500 2.12% 2.10%

Interest rates subject to change at any time. A substantial penalty may be imposed for early withdrawal of Individual Retirement Accounts (IRAs).