Current Rates

 

Certificates of Deposit

Individual Retirement Accounts

Term Interest Rate APY *
Three Months 1.04%

1.05%

Six Months 1.24% 1.25%
One Year 1.49% 1.50%
Two Years 1.59% 1.60%
Three Years 1.98% 2.00%
Four Years 2.20% 2.22%
 Five  Years 2.20%  2.22%
Term Interest Rate APY *
18 Months 1.59%  1.60%

 

Deposit Accounts

Term Daily Balances Interest Rate APY *
Interest Checking      
$1,000.00 to $2,500.00   0.25%  0.25%
$2,500.00 and up   0.63%  0.63%
Ban Club Interest Checking      
$1,000.00 to $2,500.00   0.25%  0.25%
$2,500.00 and up   0.63%  0.63%
Money Market Checking minimum $2,500.00    
under $50,000.00

   0.99%

  0.99%
over $50,000.00    1.24%   1.25%
Traditional Savings All    0.99%   1.00%

The Deposit Accounts interest rates and annual percentage yields may change after account opening.

The Certificates of Deposit and Individual Retirement Accounts are based on a minimum deposit of $1,000.00 with a minimum balance of $1,000.00 required to obtain the Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and withdrawals may and could reduce earnings on accounts.

Rates effective as of Monday Nov.30,2009 * Annual Percentage Yield

501 Main St., Memphis, TX. 79245 PH:(806)259-3556 FX:(806)259-2355