Current Rates


Certificates of Deposit

Individual Retirement Accounts

TermInterest RateAPY *
Three Months
Six Months1.75%1.77%
One Year2.00%2.02%
Two Years2.25%2.28%
Three Years2.50%2.53%
Four Years2.75%2.79%
Five Years3.00%
TermInterest RateAPY *
18 Months2.125%2.125%


Deposit Accounts

TermDaily BalancesInterest RateAPY *
Now Accountminimum $1,000.00  
$1,000.00 to $2,499.990.30%0.30%
$2,500.00 and Up0.50%0.50%
Money Market Checkingminimum $2,500.00
$2,500.00 to $49,999.990.50%0.50%
50,000.00 and Up0.65%0.65%
Traditional SavingsAll0.65%0.65%

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 October 26th, 2018 

* Annual Percentage Yield

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