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Rates

APY = Annual Percentage Yield. Rate = Interest Rate. Rates are effective March 19, 2020. Fees may reduce earnings.
 
 

Accounts

Accounts Minimum Rate APY
Personal/Commercial Savings Account NA 0.45% 0.45%




NOW Personal Checking $0 - $999.99 0.05% 0.05%
$1,000 - $4,999.99 0.05% 0.05%
NOW Personal Checking $5,000 - $9,999.99 0.05% 0.05%
NOW Personal Checking $10,000 - $14,999.99 0.05% 0.05%
NOW Personal Checking $15,000.00 + 0.10% 0.10%




Lone Star Personal $0 - $249,999.99 0.45% 0.45%
Lone Star Personal $250,000.00 + 0.75% 0.75%




Commercial Lone Star $0 - $9,999.99 0.05% 0.05%
Commercial Lone Star $10,000.00 - $49,999.99 0.05% 0.05%
Commercial Lone Star $50,000 - $99,999.99 0.05% 0.05%
Commercial Lone Star $100,000 - $249,999.99 0.20% 0.20%
Commercial Lone Star $250,000 - $499,999.99 0.25% 0.25%
Commercial Lone Star  $500,000 - $1,499,999.99 0.25% 0.25%
Commercial Lone Star $1,500,000 - $2,499,999.99 0.25% 0.25%
Commercial Lone Star $2,500,000 - $3,499,999.99 0.35% 0.35%
Commercial Lone Star $3,500,000 + 0.35% 0.35%
The interest rate may change after the account is opened.
Fees could reduce earnings on the account.
Minimum to open Now Account is $500. There is no minimum for Savings.
Minimum to open Lone Star Money Market Account is $2,500.
 
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Certificates of Deposit

Term Rate APY
1 Month 0.10% 0.10%
3 Months 0.20% 0.20%
6 Months 0.50% 0.50%
12 Months 0.75% 0.75%
24 Months 0.85% 0.85%
36 Months 1.05% 1.05%
48 Months 1.15% 1.15%
A penalty may be imposed for early withdrawal.
Minimum to open is $1000.00 for all terms.
 
 

Retirement Plans (IRAs)

Term Rate APY
1 Year 0.75% 0.75%
2 Years 0.85% 0.85%
A penalty may be imposed for early withdrawal.
Minimum to open $500.00.
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