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Personal Interest Rates

CDs

Personal CD Rates
Term (Months) Minimum Balance* $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 2.250% 2.270% 2.500% 2.530% 2.750% 2.780%
12 Months $1,000 2.550% 2.570% 2.800% 2.830% 3.050% 3.090%
18 Months $1,000 2.600% 2.630% 2.850% 2.880% 3.100% 3.140%
24 Months $1,000 2.700% 2.730% 2.950% 2.980% 3.200% 3.240%
36 Months $1,000 2.400% 2.420% 2.650% 2.680% 2.900% 2.930%
60 Months $1,000 2.150% 2.170% 2.400% 2.420% 2.650% 2.680%

Checking Accounts

Elite Checking Open Online
Minimum Balance* Interest Rate APY**
$5,000-$9,999.99 0.050% 0.050%
$10,000 - $24,999.99 0.050% 0.050%
$25,000 - $49,999.99 0.050% 0.050%
$50,000 - $99,999.99 0.100% 0.100%
$100,000 and up 0.100% 0.100%

Money Market Accounts

Money Market Savings Open Online
Balance Tier Interest Rate APY**
Less than $1,500 0.05% 0.05%
Over $1,500 0.10% 0.10%
Platinum Money Market Open Online
Balance Tier Interest Rate APY**
$0.01 - $24,999.99 0.250% 0.250%
$25,000 - $99,999.99 0.750% 0.750%
$100,000 - $249,999.99 1.000% 1.000%
$250,000 - $999,999.99 1.250% 1.260%
$1,000,000 - $4,999,999.99 2.750% 2.780%
$5,000,000 - $14,999,999.99 3.250% 3.300%
$15,000,000 and Up 3.500% 3.560%

Savings Accounts

Launch Savings Open Online
Minimum Deposit Interest Rate APY**
$25 0.10% 0.10%
Statement Savings Open Online
Minimum Deposit Interest Rate APY**
$100 0.10% 0.10%

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 1/20/2023 and are subject to change without notice.

Other interest rates may be offered at higher deposit levels.

*To avoid monthly service charge and to receive interest

**APY is Annual Percentage Yield

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