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Business Interest Rates

CDs

Business CD Rates
Term (Months) Minimum Deposit $1,000 to $9,999.99 $10,000 to $249,999.99 $250,000 & Up
    Interest Rate APY** Interest Rate APY** Interest Rate APY**
6 Months $1,000 2.25% 2.27% 2.50% 2.53% 2.75% 2.78%
12 Months $1,000 2.55% 2.57% 2.80% 2.83% 3.05% 3.09%
18 Months $1,000 2.60% 2.63% 2.85% 2.88% 3.10% 3.14%
24 Months $1,000 2.70% 2.73% 2.95% 2.98% 3.20% 3.24%
36 Months $1,000 2.40% 2.42% 2.65% 2.68% 2.90% 2.93%
60 Months $1,000 2.15% 2.17% 2.40% 2.420 2.65% 2.68%

Checking Accounts

 
Basic Business Checking with Interest
Minimum Balance* Interest Rate APY**
$1,000 0.10% 0.10%

Savings Accounts

Business Savings
Minimum Deposit Interest Rate APY**
$100 0.10% 0.10%
Business Money Market Savings 
Balance Tier Interest Rate APY**
$0.01 - $24,999.99 0.25% 0.25%
$25,000 - $99,999.99 0.75% 0.75%
$100,000 - $249,999.99 1.00% 1.00%
$250,000 - $999,999.99 1.25% 1.26%
$1,000,000 - $4,999,999.99 3.75%  | Fed Funds Rate Minus 1.750% 3.82%
$5,000,000 - $14,999,999.99 4.25%  | Fed Funds Rate Minus 1.250% 4.33%
$15,000,000 and Up 4.50%  | Fed Funds Rate Minus 1.000% 4.59%

Rates Disclosures

Deposits are FDIC insured. Fees could reduce earnings. Please call 903-657-8521 or your local branch for further information on applicable fees and terms. Institutional or Brokered CDs are not eligible for the stated rates. A penalty may be imposed for early withdrawal on time deposits. Interest rates may change after account (except CDs) is opened.

All interest rates and annual percentage yields (APY) are effective as of 7/27/2023 and are subject to change without notice.

*To avoid monthly service charge and to receive interest

**APY is Annual Percentage Yield

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