Current Rates


Certificates of Deposit

Individual Retirement Accounts

TermInterest RateAPY *
Three Months
Six Months1.75%1.77%
One Year1.80%1.82%
Two Years1.80%1.82%
Three Years1.85%1.87%
Four Years1.90%1.92%
Five Years1.95%
TermInterest RateAPY *
18 Months1.80%1.82%


Deposit Accounts

TermDaily BalancesInterest RateAPY *
Now Accountminimum $1,000.00  
$1,000.00 to $2,499.990.30%0.30%
$2,500.00 and Up0.45%0.45%
Money Market Checkingminimum $2,500.00
$2,500.00 to $49,999.990.35%0.35%
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 3, 2019 

* Annual Percentage Yield

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