In This Section

For more information on deposit rates, terms, or products, please contact any of our friendly new accounts representatives, who will be happy to answer your questions and discuss which products are best for you.

All rates and annual percentage yields (APYs) listed here are variable and may change after accounts are opened. Fees could reduce earnings of accounts.

* For CDs/IRAs, "Minimum Deposit" is the minimum amount required to open the account and obtain the stated Annual Percentage Yield (APY).  $500 minimum deposit is required to open or add to a CD.  Minimum maturity on IRAs is 12 months.  Early withdrawal penalties apply.

Personal Accounts
(rates effective as of 1/3/2017)

Account

Tier

Interest Rate

Annual Percentage Yield

Minimum Balance

Notes

Ultimate Free Checking

$0 - $15,000.00

1.49%

1.50%

None

Paid when qualified

 

$15,000.01 & over

0.25%

0.25%

None

Paid when qualified

 

Entire balance

0.01%

0.01%

None

Paid when NOT qualified

Free Checking

Entire balance

None

None

None

No monthly service fees; no minimum balance requirement.

Basic Interest Checking

$750.00 - $3,999.99

0.15%

0.15%

$750

 

 

$4,000.00 - $7,999.99

0.20%

0.20%

$750

 

 

$8,000.00 & over

0.25%

0.25%

$750

 

Personal Money Market

Tier I

0.15%

0.15%

$1,000

Up to 6 withdrawals or transfers per month for free (additional withdrawals/transfers are $2.00 each); no monthly service fees when minimum balance is maintained throughout month.

 

Tier II

0.25%

0.25%

$25,000

Up to 6 withdrawals or transfers per month for free (additional withdrawals/transfers are $2.00 each); no monthly service fees when minimum balance is maintained throughout month.

 

Tier III

0.35%

0.35%

$50,000

Up to 6 withdrawals or transfers per month for free (additional withdrawals/transfers are $2.00 each); no monthly service fees when minimum balance is maintained throughout month.

Ultimate Saver

$0 - $50,000.00

0.75%

0.75%

None

Paid when qualified

 

$50,000.01 & over

0.25%

0.25%

None

Paid when qualified

 

Entire balance

0.01%

0.01%

None

Paid when NOT qualified

Statement Savings

Entire balance

0.20%

0.20%

$100

 

Health Savings

Entire balance

0.20%

0.20%

$750

For high deductible health insurance policy owners.  Statement issued monthly.

Christmas Club

Entire balance

0.20%

0.20%

None

Proceeds distributed by check in early November.

Howdy Club

Entire balance

0.20%

0.20%

None

For customers under 18. Service charges for low balance are waived.

Certificates of Deposit/Individual Retirement Accounts
(rates effective as of 3/17/2017)

Term

Minimum Deposit*

Interest Rate

Annual Percentage Yield

Compounding Frequency

7 month (212 days) CD Special

$500

0.85%

0.85%

Quarterly

13 month CD or IRA Special

$500

1.05%

1.05%

Quarterly

18 month Choice CD or IRA

$500

0.85%

0.85%

Quarterly

30 month Choice CD or IRA

$500

1.05%

1.05%

Quarterly

91 to 181 day CD

$500

0.35%

0.35%

At Maturity

182 to 364 day CD

$500

0.65%

0.65%

Quarterly

12 to 23 month CD or IRA

$500

0.85%

0.85%

Quarterly

24 to 35 month CD or IRA

$500

1.05%

1.05%

Quarterly

36 to 47 month CD or IRA

$500

1.15%

1.16%

Quarterly

48 to 59 month CD or IRA

$500

1.25%

1.26%

Quarterly

60 month CD or IRA

$500

1.40%

1.41%

Quarterly

Business Accounts
(rates effective as of 03/17/2017)

Account

Tier

Interest Rate

Annual Percentage Yield

Minimum Balance

Notes

Business Checking

Entire balance

None

None

None

$250 initial deposit required; $5 monthly service fee; charge of 8 cents per debit, credit, and deposited item.

Business Interest Checking

$0 - $49,999.99

0.20%

0.20%

None

$250 initial deposit required; $5 monthly service fee; charge of 10 cents per debit, credit, and deposited item; customer receives an earnings credit based on the 91-day Treasury Bill, which will be applied as a reduction to charges; charges can be offset completely by maintaining a sufficient average collected balance.

Business Interest Checking

$50,000.00 & over

0.35%

0.35%

None

$250 initial deposit required; $5 monthly service fee; charge of 10 cents per debit, credit, and deposited item; customer receives an earnings credit based on the 91-day Treasury Bill, which will be applied as a reduction to charges; charges can be offset completely by maintaining a sufficient average collected balance.

Business Money Market

Tier I

0.15%

0.15%

$1,000

May deposit up to 30 items per monthly cycle for free (additional deposit items are 12 cents each); up to 6 withdrawals or transfers per month for free (additional withdrawals/transfers are $2.00 each).

Business Money Market

Tier II

0.25%

0.25%

$25,000

May deposit up to 30 items per monthly cycle for free (additional deposit items are 12 cents each); up to 6 withdrawals or transfers per month for free (additional withdrawals/transfers are $2.00 each).

Business Money Market

Tier III

0.35%

0.35%

$50,000

May deposit up to 30 items per monthly cycle for free (additional deposit items are 12 cents each); up to 6 withdrawals or transfers per month for free (additional withdrawals/transfers are $2.00 each).