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Personal Interest Rates

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*APY is Annual Percentage Yield
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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 0.030% 0.030% 0.080% 0.080% 0.230% 0.230%
12 Months
$1,000 0.220% 0.220% 0.270% 0.270% 0.420% 0.420%
18 Months $1,000 0.260% 0.260% 0.310% 0.310% 0.460% 0.460%
24 Months $1,000 0.300% 0.300% 0.350% 0.350% 0.500% 0.500%
36 Months $1,000 0.340% 0.340% 0.390% 0.390% 0.540% 0.540%
60 Months $1,000 0.430% 0.430% 0.480% 0.480% 0.630% 0.630%
Personal CD and IRA RatesPersonal CD and IRA Rates
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Account Minimum Balance* Interest Rate APY
Open Online Elite Checking $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
Open Online Launch Savings $25 0.10% 0.10%
Open Online Statement Savings $100 0.10% 0.10%
Open Online Money Market Savings Less than $1,500 0.05% 0.05%


Over $1,500 0.10% 0.10%
Open Online Platinum Money Market $15,000

$0.01 - $24,999.99 0.100% 0.100%
$25,000 - $99,999.99 0.225% 0.230%
$100,000 - $249,999.99 0.350% 0.350%
$250,000 - $999,999.99 0.600% 0.600%
$1,000,000 and up 0.750% 0.750%
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 10-26-2020 and are subject to change without notice.

*To avoid monthly service charge and to receive interest

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