Rates

Rates current as of August 2017

Checking

*Annual Percentage Yield. All rates subject to change without notice. Minimum opening deposit required, please see disclosure for details. Fees may reduce earnings.

**You will earn the Prospective Annual Percentage Yield corresponding to the highest daily balance attained each day of the dividend period on the entire balance of your account.

Product Minimum to earn APY*
Money Market $2,500 + 0.35%
Money Market $25,000 + 0.40%
Money Market $50,000 + 0.45%
Money Market $100,000 + 0.50%
Regular Checking ** $2,500 0.10%

Savings

*Annual Percentage Yield. All rates subject to change without notice. A penalty may be imposed for early withdrawal of funds. Minimum opening deposit required, please see disclosure for details. Fees may reduce earnings.

Product Minimum to earn APY*
Share/Savings $100 0.25%
Holiday Helper $100 0.25%
IRA Savings (Traditional) $100 0.35%
IRA Savings (Roth) $100 0.35%

CDs, Roth IRA and IRA Certificates

*Annual Percentage Yield. All rates subject to change without notice. Minimum balance to open and earn for Regular Certificates is $500 and $250 for IRA Certificates. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Fees may reduce earnings, please see disclosure for details.

Length of term APY*
3 Months 0.25%
6 Months 0.75%
12 Months 1.25%
18 Months 1.25%
24 Months 1.50%
30 Months 1.50%
36 Months 1.75%
48 Months 2.00%
60 Months 2.50%

Jumbo Certificates

*Annual Percentage Yield. All rates subject to change without notice. Minimum balance to open and earn is $99,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Fees may reduce earnings, please see disclosure for details.

Length of term APY*
12 Months 1.35%

Home Improvement & Home Equity

*Annual Percentage Rate. For rates, please contact our Real Estate Department at (214) 515-0100.

Description APR*
Home Equity *

Vehicle Loans

*Annual Percentage Rate. Actual rates and terms may vary based on credit score. Additional discounts may be available. Fees may increase APR. All rates subject to change without notice.

Loan Type APR as low as*
New or Used 1.99%

Personal Loans and Personal Line of Credit

*Annual Percentage Rate. Actual rates and terms may vary based on credit score. Fees may increase APR. All rates subject to change without notice. **Additional discounts may be available.

Loan Type APR as low as*
Signature Loan 9.99% **
Line of Credit 9.99%

Savings and Savings CD Secured Loans

*Annual Percentage Rate. Fees may increase APR. All rates subject to change without notice.

Loan Type Length of Term APR*
Secured by Eligible Savings Account Up to 60 Months 3.00% over the saving’s rate
Secured by Eligible Certificate Monthly payments sufficient to retire debt at or prior to certificate maturity date. 3.00% over the certificate rate
Secured by Eligible Certificate Single payment maximum of 12 months or the maturity of the CD, whichever comes first. 3.00% over the certificate rate

Credit Cards

*Annual Percentage Rate. Fees may increase APR. Late Fee: $25.00. Returned Payment Fee: $25.00. Please see disclosure for more details.

Type of card APR as low as* APR as low as* for cash advances Variable Rate Grace Period Method of computing balance for calculating finance charge Minimum finance charge
Platinum Mastercard® 7.99% 7.99% Yes 20 – 25 days Average daily balance including new purchases None

Business Checking

*Annual Percentage Yield. All rates subject to change without notice. Fees may reduce earnings. Minimum opening deposit required, please see disclosure

Product Minimum to earn APY*
Business Money Market $2,500 + 0.35%
Business Money Market $25,000 + 0.40%
Business Money Market $50,000 + 0.45%
Business Money Market $100,000 + 0.50%
Association Checking N/A N/A
Business Checking N/A N/A
Business Interest Checking $2,500 0.10%

Business Savings

*Annual Percentage Yield. All rates subject to change without notice. A penalty may be imposed for early withdrawal of funds. Minimum opening deposit required, please see disclosure for details. Fees may reduce earnings.

Product Minimum to earn APY*
Association Savings $100 0.25%
Business Savings $500 0.25%

Business Certificates

*Annual Percentage Yield. All rates subject to change without notice. Minimum balance to open and earn for Regular Certificates is $500. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Fees may reduce earnings, please see disclosure

Length of term APY*
6 Months 0.75%
12 Months 1.25%
24 Months 1.50%
36 Months 1.75%
48 Months 2.00%
60 Months 2.50%

Business Jumbo Certificates

*Annual Percentage Yield. All rates subject to change without notice. Minimum balance to open and earn is $99,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Fees may reduce earnings, please see disclosure

Length of term APY*
12 Months 1.35%