Rates & Fees 

All published rates are subject to change without notice; certain terms and conditions may apply. Only Texas residents qualify to join the Texas Consumer Council.

  • Earn-It Checking

    Earn-It Checking 1,2 Dividend Rate APY* Effective
    $.01 - $15,000.00 6.00% 6.17% 02/01/24
    $15,000.01 + 0.05% 0.05% 02/01/24

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  • Money Market Plus Checking

    Money Market Plus Checking *,1,2,8 Dividend Rate APY* Effective
    $.01 - $1,500.00 0.00% 0.00% 02/01/24
    $1,500.01 - $24,999.99 0.50% 0.50% 02/01/24
    $25,000.00 - $49,999.99 0.75% 0.75% 02/01/24
    $50,000.00 - $99,999.99 1.00% 1.00% 02/01/24
    $100,000.00 - $249,999.99 1.25% 1.26% 02/01/24
    $250,000.00 - $499,999.99 1.50% 1.51% 02/01/24
    $500,000.00+ 1.75% 1.76% 02/01/24

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  • Tiered Savings

    Tiered Savings Dividend Rate APY* Effective
    $5.00 - $99.99 0.00% 0.00% 02/01/24
    $100.00 - $4,999.99 0.07% 0.07% 02/01/24
    $5,000.00+ 0.10% 0.10% 02/01/24

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  • High Yield Savings (Performance Money Market)

    High Yield Savings3 Dividend Rate APY* Effective
    $100.00 - $2,499.99 0.00% 0.00% 02/01/24
    $2,500.00 - $9,999.99 4.50% 4.59% 02/01/24
    $10,000.00 - $24,999.99 4.55% 4.64% 02/01/24
    $25,000.00 - $49,999.99 4.60% 4.70% 02/01/24
    $50,000.00 - $99,999.99 4.65% 4.75% 02/01/24
    $100,000.00 - $249,999.99 4.70% 4.80% 02/01/24
    $250,000.00 - $499,999.99 4.75% 4.85% 02/01/24
    $500,000.00+ 4.90% 5.01% 02/01/24

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  • Certificate Accounts & IRA Certificates

    Certificate Accounts & IRA Certificates4,5,6 Dividend Rate APY* Effective
    12 Month Rate Climber Certificate
    $5,000+ 4.90% 5.01% 4/5/24
    18 Month Rate Climber Certificate
    $5,000+ 4.65% 4.75% 4/5/24
    24 Month Rate Climber Certificate
    $5,000+ 4.30% 4.39% 4/5/24
    3 Month Certificate
    $500.00+ 4.50% 4.59% 4/5/24
    6 Month Certificate
    $500.00+ 4.65% 4.75% 4/5/24
    9 Month Certificate
    $500.00+ 4.75% 4.85% 4/5/24
    12 Month Certificate
    $500.00+ 4.85% 4.96% 4/5/24
    18 Month Certificate
    $500.00+ 4.50% 4.59% 4/5/24
    24 Month Certificate
    $500.00+ 4.25% 4.33% 4/5/24

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    For rates on certificate terms longer than 24 months, call 1-214-574-2000 or 1-800-388-7889.

  • IRAs

    IRAs (Roth, Traditional & Coverdell)7 Dividend Rate APY* Effective
    $100.00+ 0.30% 0.30% 02/01/24

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    • Youth Accounts

      Youth Savings 1,2 Dividend Rate APY* Effective
      $.01 - $99.99 0.00% 0.00% 02/01/24
      $100.00 + 1.00% 1.00% 02/01/24
      Youth Checking 1 Dividend Rate APY* Effective
      $25+ 3.00% 3.04% 02/01/24

* APY = Annual Percentage Yield. Rates subject to change without notice. Qualifying criteria applies.
1) No minimum daily balance required.  
2) Dividends obtained with minimum daily balance of $100.00.
3) Dividends obtained with minimum daily balance of $2,500.00.
4) Minimum $500.00 purchase  
5) With regard to Certificates, an early withdrawal penalty may apply.
6) Minimum balance of $100.00 required to earn dividends 7) Minimum balance of $1,500.01 required to earn dividends. 8) Rate Climber Certificates have a minimum deposit amount of $5,000.00. Only one rate increase is allowed for the term of the CD. Rate climber feature does not apply to existing certificates.