Online Banking

All Rates

Savings and Checking Rates

savings and checkings rates
ACCOUNT TYPE DIVIDEND RATE ANNUAL PERCENTAGE YIELD MINIMUM OPENING BALANCE MINIMUM BALANCE TO EARN DIVIDENDS
Share Account % % $1 $500
Regular Checking - - $0 -
Advantage Checking Account % % $0 $2,500
Christmas Club Account % % $25 $500
Dollar Up Savings % % $0 $5
Sandy Saver % % $1 $500
Student Checking - - $0 -

 Term Share Rates

Term Share Rates
TERM DIVIDEND RATE APY PDA DIVIDEND RATE PDA APY
90 day % % 2.75% 2.78%
6 month % % 3.75% 3.80%
College Saver % % 3.85% 3.91%
12 month % % 3.85% 3.91%
18 month % % 3.75% 3.80%
2 year % % 3.50% 3.55%
3 year % % 3.25% 3.29%
4 year % % 3.00% 3.03%
5 year % % 3.00% 3.03%

Jumbo Term Share Rates

Jumbo Term Share Rates
TERM DIVIDEND RATE APY PDA DIVIDEND RATE PDA APY
90 day % % N/A N/A
6 month % % N/A N/A
12 month % % N/A N/A
18 month % % N/A N/A
2 year % % N/A N/A

Premium IRA Rates

Premium I.R.A. Rates
TIER CURRENT RATE ANNUAL PERCENTAGE YIELD
$0 - $499.99 No dividends paid No dividends paid
$500 - $9,999 % %
$10,000 - $49,999 % %
$50,000 - $99,999 % %
Over $100,000 % %

Standard IRA Rates

standard ira rates
BALANCE DIVIDEND RATE ANNUAL PERCENTAGE YIELD MINIMUM OPENING BALANCE MINIMUM BALANCE TO EARN DIVIDENDS
$0 - $499.99 No dividends paid No dividends paid $100 for all IRA types. $500 for all types
$500 - $9,999 % %
$10,000 - $49,999 % %
$50,000 - $99,999 % %
Over $100,000 % %

Money Market Rates

Money Market Rates
ACCOUNT BALANCE ANNUAL DIVIDEND RATE ANNUAL PERCENTAGE YIELD
$0 - $2,499.99 N/A N/A
$2,500 - $9,999.99 % %
$10,000 - $49,999.99 % %
$50,000 - $99,999.99 % %
$100,000 and above % %

Auto Loan Rates

Auto Loan Rates
Starting APR*
(Not including discounts)		 Term Loan Amount Maximum Loan Discount Payment Example Per $1,000 Borrowed
% Up to 36 months 0.75% $29.74
% Up to 48 months 0.75% $22.91
% Up to 60 months 0.75% $18.87
% Up to 72 months $15,000 and up 0.75% $16.33
% Up to 84 months $25,000 and up 0.75% $14.60

Credit Card Rates

credit card rates
Card Type Base APR* APR* Range
VISA Classic % 8.99% – 18.00%
VISA Rewards % 9.99% – 18.00%
Texas Educators Rewards % 6.99% – 16.99%

Personal Loan Rates

Personal Loan Rates
Starting APR*
(Not including discounts)		 Term Maximum Loan Discount Payment Example
Per $1,000 Borrowed
% Up to 48 months 0.50% $25.96
% Up to 84 months 0.50% $18.05

Boat Loan Rates

Boat Loan Rates
Starting APR*
(Not including discounts)		 Term Loan Amount Maximum Loan Discount Payment Example
Per $1,000 Borrowed
% Up to 60 months 0.75% $20.03
% Up to 84 months $25,000 and up 0.75% $15.96

Motorcycle Loan Rates

Motorcycle Loan Rates
Starting APR*
(Not including discounts)		 Term Maximum Loan Discount Payment Example
Per $1,000 Borrowed
% Up to 60 months 0.75% $20.03

RV Loan Rates

R.V. Loan Rates
Starting APR*
(Not including discounts)		 Term Loan Amount Maximum Loan Discount Payment Example
Per $1,000 Borrowed
% Up to 60 months 0.75% $20.03
% Up to 84 months $25,000 and up 0.75% $15.96

Miscellaneous Equipment Loan Rates

Miscellaneous Equipment Loan Rates
Starting APR*
(Not including discounts)		 Term Maximum Loan Discount Payment Example
Per $1,000 Borrowed
% Up to 60 months 0.50% $20.52

Share Secure Loan Rate

Share Secured Loan Rate
Starting APR* Term
% Up to 60 months

Credit Builder

Credit Builder Rates
Starting APR* Term Loan Amount
% 12 months $1,000 and up
% 18 months $1,500 and up
% 24 months $2,000 and up

Title Loan Rates

Title Loan Rates
Starting APR*
(Not including discounts)		 Term Loan Amount Maximum Loan Discount Payment Example
Per $1,000 Borrowed
% Up to 36 months 0.75% $30.08
% Up to 48 months 0.75% $23.25
% Up to 60 months 0.75% $19.21
% Up to 72 months $15,000 and up 0.75% $16.81
% Up to 84 months $25,000 and up 0.75% $15.09

Educator Loans

educator Loans
Loan Type Starting APR* Term Loan Amount Payment Example Per $1,000 Borrowed
Classroom Supplies % Up to 12 months Up to $1,000 $87.45
Professional Development % Up to 60 months Up to $10,000 $20.75
Alternative Teaching Certification % Up to 60 months $20.75