Interest Rates

Account / TermMinimum DepositInterest RateAPY
CDs
30 - 59 days$2,5000.05%0.05%
60 - 89 days$2,5000.10%0.10%
90 - 179 days$2,5000.10%0.10%
180 - 364 days$2,5000.25%0.25%
12 months$5000.40%0.40%
18 months$5000.45%0.45%
24 months$5000.65%0.65%
30 months$5000.65%0.65%
36 months$5000.80%0.80%
48 months$5000.99%0.99%
60 months$5001.25%1.25%
CD Specials


More for 24 CD$10,0000.55%0.55%

Checking AccountsMinimum Balance*Interest RateAPY
Max/Max Sr. Checking$5000.10%0.10%
Elite Checking$5,000

  • $5,000 - 9,999

0.05%0.05%
  • $10,000 - 24,999

0.05%0.05%
  • $25,000 - 49,999

0.05%0.05%
  • $50,000 - $99,999

0.10%0.10%
  • $100,000 and up

0.10%0.10%








Savings AccountsMinimum Balance*Interest RateAPY
Statement Savings$1000.10%0.10%
Money Market Savings$1,500**0.10%0.10%
Platinum Money Market$15,000

  • $.01 - 24,999.99

0.150%0.150%
  • $25,000 - 99,999.99

0.150%0.150%
  • $100,000 - 249,999.99

0.200%0.200%
  • $250,000 - 999,999.99

0.300%0.300%
  • $1,000,000 and up

0.350%0.350%
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 04-16-2014 and are subject to change without notice. 

*To avoid monthly service charge and to receive interest
**If balance in Money Market Savings falls below $1,500 it will receive interest at the same rate as Max Checking