*APY is Annual Percentage Yield
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Personal CD & IRA Rates
Term (Months)Minimum Balance*$1,000 to $9,999.99$10,000 to $249,999.99$250,000 +


Interest RateAPY*Interest RateAPY*Interest RateAPY* 
6 Months$1,0000.920%0.920%1.220%1.230%1.320%1.330%
12 Months
$1,0001.310%1.320%1.610%1.620%1.710%1.720%
18 Months$1,0001.460%1.470%1.760%1.770%1.860%1.870%
24 Months $1,0001.610%1.620%1.910%1.920%2.010%2.030%
36 Months$1,0001.710%1.720%2.010%2.030%2.110%2.130%
60 Months$1,0002.200%2.220%2.500%2.520%2.600%2.630%
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Account Minimum Balance* Interest Rate APY
Max/Max Sr Open Online $500 0.10% 0.10%
Elite Checking Open Online $5,000

$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%
Personal Checking Accounts Rates
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Account Minimum Deposit Interest Rate APY
Statement Savings Open Online $100 0.10% 0.10%
Money Market Savings Open Online $1,500** 0.10% 0.10%
Platinum Money Market Open Online $15,000

$0.01 - $24,999.99

0.150% 0.150%
$25,000 - $99,999.99

0.350% 0.350%
$100,000 - $249,999.99

0.500% 0.500%
$250,000 - $999,999.99

1.000% 1.000%
$1,000,000 and up

1.250% 1.260%
Personal Savings Accounts Rates


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 02-14-2019 and are subject to change without notice. 


*To avoid monthly service charge and to receive interest

**If balance in Money Market Savings falls below $1,500 it will receive interest at the same rate as Max Checking