Rates

Effective – July 31, 2012
All rates are subject to change without notice.

For current information please call 254-445-2213

Deposit Account Rates

Account Minimum Balance Interest Rate**   APY*  
Now Accounts $1,500.00 .05 .05
Savings Accounts $150.00 .10 .10
Money Market Accounts $2,500.00 .15 .15
Gold Star Account $1,500.00 .05 .05
Star Account $1,500.00 .05 .05

*APY = Annual Percentage Yield
**Rates apply to all balances above the minimums

Certificates of Deposit

Term Minimum Balance Interest Rate** APY* Compounded
3 month $1,000.00 .15 .15 At Maturity
  Range of Balance      
 6 month $1,000.00 to 99,999.99 .25 .25 Quarterly
  $100,000.00 to 9,999,999.99   .25 .25 Quarterly
12 Month $1,000.00 to 99,999.99  .40 .40 Quarterly
  $100,000.00 to 9,999,999.99   .40 .40 Quarterly
18 Month $1,000.00 to 99,999.99  .50 .50 Quarterly
  $100,000.00 to 9,999,999.99   .50 .50 Quarterly
24 Month $1,000.00 to 99,999.99  .60 .60 Quarterly
  $100,000.00 to 9,999,999.99   .60 .60 Quarterly

*APY = Annual Percentage Yield
**Rates apply to all balances

IRAs

Term  Minimum Balance**  Interest Rate  APY*   Compounded 
12 month $250.00 .40 .40 Semi-Annual
 18 month $250.00 .50 .50 Semi-Annual

*APY = Annual Percentage Yield
**Rates apply to all balances