Current Rates


Certificates of Deposit

Individual Retirement Accounts

TermInterest RateAPY *
Three Months
Six Months0.75%0.75%
One Year1.10%1.11%
Two Years1.25%1.26%
Three Years1.50%1.51%
Four Years1.75%1.75%
Five Years2.00%
TermInterest RateAPY *
18 Months1.17%1.17%


Deposit Accounts

TermDaily BalancesInterest RateAPY *
Now Accountminimum $1,000.00  
$1,000.00 to $2,499.990.20%0.20%
$2,500.00 and Up0.45%0.45%
Money Market Checkingminimum $2,500.00
$2,500.00 to $49,999.990.50%0.50%
50,000.00 and Up0.55%0.55%
Traditional SavingsAll0.50%0.50%

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 December 15th, 2017 * Annual Percentage Yield

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