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Personal Interest Rates

CDs

Personal 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%	2.26%	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%	2.42%	2.65%	2.68%

Personal CD Rates Specials

Term (Months)	Minimum Deposit	Interest Rate	APY**
7 Months	$25,000	4.00%	4.03%
13 Months	$25,000	4.20%	4.27%
19 Months	$25,000	4.35%	4.42%
25 Months	$25,000	4.45%	4.52%

Checking Accounts

Elite Checking Open Online

Minimum Balance^*	Interest Rate	APY**
$5,000-$9,999.99	0.05%	0.05%
$10,000 - $24,999.99	0.05%	0.05%
$25,000 - $49,999.99	0.05%	0.05%
$50,000 - $99,999.99	0.10%	0.10%
$100,000 and up	0.10%	0.10%

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	0.25%	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	3.50% \| Fed Funds Rate Minus 1.750%	3.56%
$5,000,000 - $14,999,999.99	4.00% \| Fed Funds Rate Minus 1.250%	4.07%
$15,000,000 and Up	4.25% \| Fed Funds Rate Minus 1.000%	4.33%

Minimum Deposit	Interest Rate	APY**
$25	0.10%	0.10%

Minimum Balance*	Interest Rate	APY**
$100	0.10%	0.10%

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 5/4/2023 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