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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 Checking1,2 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $.01 - $15,000.00 | 10/1/24 | ||
| $15,000.01+ | 10/1/24 |
MONEY MARKET PLUS CHECKING
| Money Market Plus Checking*,1,2,8 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $.01 - $1,500.00 | 10/1/24 | ||
| $1,500.01 - $24,999.99 | 10/1/24 | ||
| $25,000.00 - $49,999.99 | 10/1/24 | ||
| $50,000.00 - $99,999.99 | 10/1/24 | ||
| $100,000.00 - $249,999.99 | 10/1/24 | ||
| $250,000.00 - $499,999.99 | 10/1/24 | ||
| $500,000.00+ | 10/1/24 |
TIERED SAVINGS
| Tiered Savings | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $5.00 - $99.99 | 10/1/24 | ||
| $100.00 - $4,999.99 | 10/1/24 | ||
| $5,000.00+ | 10/1/24 |
HIGH YIELD SAVINGS
| High Yield Savings3 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $100.00 - $2,499.99 | 12/1/24 | ||
| $2,500.00 - $9,999.99 | 12/1/24 | ||
| $10,000.00 - $24,999.99 | 12/1/24 | ||
| $25,000.00 - $49,999.99 | 12/1/24 | ||
| $50,000.00 - $99,999.99 | 12/1/24 | ||
| $100,000.00 - $249,999.99 | 12/1/24 | ||
| $250,000.00 - $499,999.99 | 12/1/24 | ||
| $500,000.00 - $999,999.99 | 12/1/24 | ||
| $1,000,000.00+ | 12/1/24 |
CERTIFICATE ACCOUNTS & IRA CERTIFICATES
Certificate Accounts & IRA Certificates⁴,⁵,⁶
| Account | Minimum | Dividend Rate | APY* | Effective |
|---|---|---|---|---|
| 12-Month Rate Climber Certificate | $5,000+ | 12/13/24 | ||
| 18-Month Rate Climber Certificate | $5,000+ | 12/13/24 | ||
| 24-Month Rate Climber Certificate | $5,000+ | 12/13/24 | ||
| 3-Month Certificate | $500.00+ | 12/13/24 | ||
| 6-Month Certificate | $500.00+ | 12/13/24 | ||
| 9-Month Certificate | $500.00+ | 12/13/24 | ||
| 12-Month Certificate | $500.00+ | 12/13/24 | ||
| 18-Month Certificate | $500.00+ | 12/13/24 | ||
| 24-Month Certificate | $500.00+ | 12/13/24 |
IRAS
| IRA (Roth,Traditional & Coverdell)7 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $100.00+ | 10/1/24 |
YOUTH ACCOUNTS
| Youth Savings1,2 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $.01 - $99.99 | 10/1/24 | ||
| $100.00+ | 10/1/24 |
| Youth Checking1 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $25+ | 10/1/24 |
Disclaimers
*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.