Rates

Rates effective as of 03/20/2017.

Reward Checking

BalanceMinimum Required Opening DepositRateAPY*
$0.01 - $15,000.00$1001.25%1.26%
$15,000.01+$1000.10%1.26% to 0.27%
All Balances

(if qualifications not met)

$1000.01%0.01%

Qualifications

To earn your rewards, all of the following transactions must post and settle to your account during each Monthly Qualification Cycle:

  • Have at least 12 check card purchases; AND
  • Have at least one (1) direct deposit or automatic payment (ACH); AND
  • Be enrolled in Internet Banking and receive eStatements

View the 2016 Qualification Cycles.


Due to territorial restrictions, this product is not available in Lubbock County.


Qualifying transactions must post and settle during the monthly qualification cycle. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Intra-bank transfers do not count as qualifying ACH transactions.


ATM Fee reimbursements up to $20 each month provided only if qualifications are met within the monthly qualification cycle. ATM transactions do not count towards qualifying check card purchases.


"Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. "Business Day" is every day except Saturdays, Sundays and legal public holidays.


If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credit to account on the last day of monthly statement cycle; and (2) balances of $0.01-$15,000.00 receive APY* of 1.26%; and (3) balances greater than $15,000.00 earn an interest rate of 0.10% on portion of balance over $15,000.00, resulting in a range from 1.26% – 0.27% APY depending on the account's balance. If qualifications are not met, all balances earn 0.01% APY.


APYs accurate as of 11/15/2016. Rates may change after account is opened. Minimum to open is $100. Fees may reduce earnings.


*Annual Percentage Yield.

Checking & Savings

AccountMinimum Balance

(to obtain APY)

RateAPY**
Grand Checking $1,0000.05%0.05%
Savings Gold$100.00 - $24,999.990.05%0.05%
$25,000 - $49,999.990.05%0.05%
$50,000 - $99,999.990.15%0.15%
$100,000.00 - $199,999.990.20%0.20%
$200,000.00 - $299,999.990.30%0.30%
$300,000.00+0.40%0.40%
Money Market Deposit Account$2,500 - $24,999.990.05%0.05%
$25,000 - $49,999.99 0.05%0.05%
$50,000 - $99,999.990.15%0.15%
$100,000 - $249,999.990.20%0.20%
$250,000+0.30%0.30%
Individual Retirement Account$1,000

1 Year

0.50%0.50%
$1,000

1½ Years

0.60%0.60%

Disclosures

Fees may reduce earnings. Rates subject to change without notice.


Reward Checking

  • ATM refunds up to $20 per cycle if requirements are met.
  • If this is your first month as a Reward Checking member, you will receive Reward Rate(s) on your balance from the date of enrollment and ATM fee refunds up to $20 for ATM transactions that occurred on or after your enrollment date.
  • These refunds are regardless of whether or not you met all of the requirements.
  • The rate is variable and subject to change.
  • 1.26% APY will be paid on balances between $0.01 and $15,000.00.
  • 0.10% APY will be paid on the portion of the account balance over $15,000.01.
  • 0.01% APY will be paid on all balances, if qualifications are not met.
  • Minimum balance to open: $100
  • Due to territorial restrictions, this product is not available in Lubbock County.

Savings Gold

  • First interest tier with a Minimum Daily Balance of $0.01-$24,999.99 earns an APY of 0.05%.
  • Second interest tier with a Minimum Daily Balance of $25,000 - $49,999.99 earns an APY of 0.05%.
  • Third interest tier with a Minimum Daily Balance of $50,000 - $99,999.99 earns an APY of 0.15%.
  • Fourth interest tier with a Minimum Daily Balance of $100,000.00 - $199,999.99 earns an APY of 0.20%.
  • Fifth interest tier with a Minimum Daily Balance of $200,000.00 - $299,999.99 earns an APY of 0.30%.
  • Sixth interest tier with a Minimum Daily Balance of $300,000.00 earns an APY of 0.40%.
  • Minimum balance to open: $100

Money Market Deposit Account

  • First interest tier with a Minimum Daily Balance of $2,500 - $24,999.99 earns an APY of 0.05%.
  • Second interest tier with a Minimum Daily Balance of $25,000 - $49,999.99 earns an APY of 0.05%
  • Third interest tier with a Minimum Daily Balance of $50,000 - $99,999.99 earns an APY of 0.15%.
  • Fourth interest tier with a Minimum Daily Balance of $100,000 - $249,999.99 earns an APY of 0.20%.
  • Fifth interest tier with a Minimum Daily Balance of $250,000+ earns an APY of 0.30%.
  • Minimum balance to open: $2,500

Individual Retirement Accounts

Individual Retirement Accounts (IRAs) are today's retirement investing tool.

  • $1,000 minimum deposit to open
  • Traditional, Roth, Simple and SEP are available
  • FDIC insured

Certificates of Deposit

Tailor your Certificate of Deposit (CD) to produce the best combination of availability of funds and yield to meet your own requirements.

  • Regular CD -- $1,000 minimum opening deposit. Rates vary depending on the terms you choose
  • Jumbo CD -- $50,000 minimum opening deposit with premium-rate earning power

Certificates of Deposit

$1,000 - $49,999.99

TermRateAPY**Compounded
30 - 89 Days

$1,000 - $49,999.99

0.05%0.05%At Maturity
90 - 179 Days

$1,000 - $49,999.99

0.05%0.05%At Maturity
180 - 364 Days

$1,000 - $49,999.99

0.10%0.10%At Maturity
1 Year

$1,000 - $49,999.99

0.15%0.15%Quarterly
2 Years

$1,000 - $49,999.99

0.30%0.30%Quarterly
2½ Years

$1,000 - $49,999.99

0.40%0.40%Quarterly
3 Years

$1,000 - $49,999.99

0.50%0.50%Quarterly
5 Years

$1,000 - $49,999.99

0.80%0.80%Quarterly

$50,000+

TermRateAPY**Compounded
30 - 89 Days

$50,000+

0.05%0.05%At Maturity
90 - 179 Days

$50,000+

0.10%0.10%At Maturity
180 - 364 Days

$50,000+

0.25%0.25%At Maturity
1 Year

$50,000+

0.35%0.35%Quarterly
2 Years

$50,000+

0.50%0.50%Quarterly
2½ Years

$50,000+

0.60%0.60%Quarterly
3 Years

$50,000+

0.70%0.70%Quarterly
5 Years

$50,000+

1.00%1.00%Quarterly

CD Specials

TermRateAPY**Compounded
7 Month (210 Days)

($1000 minimum balance and requires a transaction account)

0.25%0.25%At Maturity
1 Year

($1000 minimum balance and requires a transaction account)

0.40%0.40%Quarterly
18 Month

($1000 minimum balance and requires a transaction account)

0.50%0.50%Quarterly
2 Years

($1000 minimum balance and requires a transaction account)

0.70%0.70%Quarterly
5 Years

($1000 minimum balance and requires a transaction account)

1.20%1.20%Quarterly

Disclosures

Note: Penalties may be assessed for early withdrawal and may reduce earnings.

**Rates subject to change without notice.