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 | 5.00% | 5.12% | 3/1/25 |
| $15,000.01+ | 0.00% | 0.05% | 3/1/25 |
MONEY MARKET PLUS CHECKING
| Money Market Plus Checking*,1,2,8 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $.01 - $1,500.00 | 0.00% | 0.00% | 10/1/24 |
| $1,500.01 - $24,999.99 | 0.50% | 0.50% | 10/1/24 |
| $25,000.00 - $49,999.99 | 0.75% | 0.75% | 10/1/24 |
| $50,000.00 - $99,999.99 | 1.00% | 1.00% | 10/1/24 |
| $100,000.00 - $249,999.99 | 1.25% | 1.26% | 10/1/24 |
| $250,000.00 - $499,999.99 | 1.50% | 1.51% | 10/1/24 |
| $500,000.00+ | 1.75% | 1.76% | 10/1/24 |
TIERED SAVINGS
| Tiered Savings | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $5.00 - $99.99 | 0.00% | 0.00% | 10/1/24 |
| $100.00 - $4,999.99 | 0.07% | 0.07% | 10/1/24 |
| $5,000.00+ | 0.10% | 0.10% | 10/1/24 |
HIGH YIELD SAVINGS
| High Yield Savings3 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $100.00 - $2,499.99 | 0.00% | 0.00% | 3/1/25 |
| $2,500.00 - $9,999.99 | 3.15% | 3.20% | 3/1/25 |
| $10,000.00 - $24,999.99 | 3.20% | 3.25% | 3/1/25 |
| $25,000.00 - $49,999.99 | 3.25% | 3.30% | 3/1/25 |
| $50,000.00 - $99,999.99 | 3.30% | 3.35% | 3/1/25 |
| $100,000.00 - $249,999.99 | 3.35% | 3.40% | 3/1/25 |
| $250,000.00 - $499,999.99 | 3.40% | 3.45% | 3/1/25 |
| $500,000.00 - $999,999.99 | 3.50% | 3.56% | 3/1/25 |
| $1,000,000.00+ | 3.60% | 3.66% | 3/1/25 |
CERTIFICATE ACCOUNTS & IRA CERTIFICATES
Certificate Accounts & IRA Certificates⁴,⁵,⁶
| Account | Minimum | Dividend Rate | APY* | Effective |
|---|---|---|---|---|
| 12-Month Rate Climber Certificate | $5,000+ | 4.05% | 4.13% | 3/13/25 |
| 18-Month Rate Climber Certificate | $5,000+ | 3.85% | 3.92% | 3/13/25 |
| 24-Month Rate Climber Certificate | $5,000+ | 3.80% | 3.87% | 3/13/25 |
| 3-Month Certificate | $500.00+ | 3.70% | 3.76% | 3/13/25 |
| 6-Month Certificate | $500.00+ | 3.85% | 3.92% | 3/13/25 |
| 9-Month Certificate | $500.00+ | 3.95% | 4.02% | 3/13/25 |
| 12-Month Certificate | $500.00+ | 4.00% | 4.07% | 3/13/25 |
| 18-Month Certificate | $500.00+ | 3.80% | 3.87% | 3/13/25 |
| 24-Month Certificate | $500.00+ | 3.75% | 3.82% | 3/13/25 |
IRAS
| IRA (Roth,Traditional & Coverdell)7 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $100.00+ | 0.30% | 0.30% | 10/1/24 |
YOUTH ACCOUNTS
| Youth Savings1,2 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $.01 - $99.99 | 0.00% | 0.00% | 10/1/24 |
| $100.00+ | 1.00% | 1.00% | 10/1/24 |
| Youth Checking1 | Dividend Rate | APY* | Effective |
|---|---|---|---|
| $25+ | 3.00% | 3.04% | 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.
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