Deposit Rates

Savings Rates: Effective 04/19/2023

INVESTMENT ACCOUNTS (includes IRA CDs)
Services Offered $1,000 to $49,999.99 Jumbo ($50K plus)
Certificate of Deposit
(Regular and IRA Certificates Of Deposit)
Term

6 Months

1 Year

18 Months

2 Years

3 Years

4 Years

5 Years

Minimum Deposit

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

Rate

2.10%

3.10%

4.40%

4.00%

4.15%

3.50%

3.65%

APY1

2.12%

3.14%

4.49%

4.07%

4.23%

3.56%

3.71%

Rate

2.25%

3.25%

4.55%

4.15%

4.30%

3.65%

3.80%

APY1

2.27%

3.30%

4.65%

4.23%

4.39%

3.82%

3.87%

Payroll Growth CD 1 Year $100.00 .25% .25%
Services Offered $0 to $4,999.99 $5K to $19,999.99 $20,000.00 plus
IRA Savings

Educational IRA Savings

Roth IRA Savings

SEP IRA Savings

Rate APY1 Rate APY1 Rate APY1

1.25%

1.25%

1.25%

1.25%

1.26%

1.26%

1.26%

1.26%

1.75%

1.75%

1.75%

1.75%

1.76%

1.76%

1.76%

1.76%

2.25%

2.25%

2.25%

2.25%

2.27%

2.27%

2.27%

2.27%

 

SAVINGS ACCOUNTS
Services Offered $0 to $4,999.99 $5K to $19,999.99 $20,000.00 plus
Rate
APY1
Rate
APY1
Rate
APY1
Regular Savings 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Secondary Savings 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Lil’ Roper Club 0.00%  0.00% 0.00% 0.00% 0.00% 0.00%
Vacation Club 0.00% 0.00%
Christmas Club 0.00% 0.00%
MONEY MARKET ACCOUNTS
Services Offered $0 to $4,999.99 $5K to $19,999.99 $20,000.00 plus
Rate APY1 Rate APY1 Rate APY1
Money Market 0.00% 0.00% 1.25% 1.26% 1.40% 1.41%
CHECKING ACCOUNTS
Services Offered $500 to $4,999.99 $5K to $19,999.99 $20,000.00 plus
Rate
APY1
Rate
APY1
Rate
APY1
Non-Dividend/Interest 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Lone Star Select 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Lone Star Diamond 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Services Offered
$2,500.00 to $4,999.99 $5K to $19,999.99 $20,000.00 plus
Rate APY1 Rate APY1 Rate APY1
High-Yield Checking .00% .00% .00% .00% .05% .05%

1APY means “Annual Percentage Yield”. APY assumes dividends remain in the account until maturity. Withdrawals reduce earnings. All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends. The above rates were paid for their respective dividend period. Dividends are paid at the end of the period from the current income and the available earnings after any required transfers to reserves. These rates are not guaranteed for the current dividend period. All deposits are insured by American Share Insurance (ASI). Rates and APY are subject to change without notice.