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Deposit Rates (effective 1/18/2012)

Loan Rates
Repurchase Rates


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Checking & Savings Accounts* Interest Rate APY**
(minimum to obtain the stated APY in parentheses)    
MoneyMax Interest Rate APY**
MoneyMax ($50,000 and above) 0.25% 0.25%
MoneyMax ($25,000 - 49,999) 0.20% 0.20%
MoneyMax ($10,000 - 24,999) 0.15% 0.15%
MoneyMax ($2,500 - 9,999) 0.10% 0.10%
Health Savings Interest Rate APY**
Health Savings ($10,000 and above) 0.30% 0.30%
Health Savings ($2,500-$9,999) 0.20% 0.20%
Health Savings ($500-$2,499) 0.15% 0.15%
Health Savings ($499 and below) 0.10% 0.10%
High Yield Savings Interest Rate APY**
High Yield Savings ($100,000 and above) 0.30% 0.30%
High Yield Savings ($50,000 - 99,999) 0.25% 0.25%
High Yield Savings ($2,500 - 49,999) 0.10% 0.10%
Other Interest Bearing Accounts Interest Rate APY**
Regular Savings ($250 and above) 0.15% 0.15%
Interest Checking ($1,500 and above) 0.10% 0.10%
IOLTA Interest Checking ($100,000 and above) 1.00% 1.00%
IOLTA Interest Checking ($99,999 and below) 1.00% 1.00%
Relationship Plus Checking ($1,500 and above) 0.10% 0.10%
Celebration Club (No minimum) 0.20% 0.20%


*The minimum to open is $100. Interest will accrue each day the balance is equal to or greater than the minimum required to obtain the APY on these accounts.  Fees may reduce the earnings and APY**.  See Personal Banking for additional details.
 

Regular Certificates of Deposit/IRA's/CESA*** Interest Rate APY**
($1,000)    
30 Days 0.05% 0.05%
90 Days 0.05% 0.05%
180 Days 0.15% 0.15%
12 Month 0.30% 0.30%
18 Month 0.40% 0.40%
24 Month 0.50% 0.50%
36 Month 0.60% 0.60%
60 Month 1.05% 1.05%
Jumbo Certificates of Deposit/IRA's/CESA*** Interest Rate APY**
($100,000 minimum)
14 Days 0.05% 0.05%
30 Days 0.10% 0.10%
60 Days 0.15% 0.15%
90 Days 0.15% 0.15%
180 Days 0.25% 0.25%
12 Month 0.35% 0.35%
18 Month 0.50% 0.50%
24 Month 0.55% 0.55%
36 Month 0.65% 0.65%
60 Month 1.10% 1.10%
SPECIAL Certificates of Deposit/IRA's/CESA*** Interest Rate APY**
($1,000 except where noted)
13 Month Senior Select
($5,000 minimum to invest & age 65+)
0.50% 0.50%
15 Month FlexRate 0.50% 0.50%
59 Month FlexRate
($5,000 minimum to invest)
1.00% 1.00%
60 Month FlexRate IRA only**** 1.00% 1.00%


**
Annual Percentage Yield

***The minimum to open and obtain the APY is the minimum stated in each category. APY stated for maturities of less than one year assumes interest compounds at maturity and is re-invested for the same term and rate for a year period.  APY stated for maturities of one year or longer assumes interest is compounded quarterly and remains on deposit until maturity. If interest is not compounded, the APY will be less than stated on this page. A penalty will or may be imposed for early withdrawal. Refer to Truth-in-Savings disclosure for complete detail by account category. Flex-Rate CDs: The customer may upgrade the interest rate for the bump(s) during each term of this CD for the remainder of that term to the prevailing rate for the same term Flex-Rate CD. IRA Certificates of Deposit are generally issued for a term of 12 months or longer.

**** The minimum amount to open may be reduced to $250, provided a $50 minimum monthly transfer from a North Dallas Bank checking, money market or savings account is established.


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