Current Rates

Current Rates

CD Specials Rates

       

Interest Rates

Annual 
Percentage Yield

13 Month CD Special

2.00%

2.02%

All rates subject to change at bank's discretion.
$1,000 minimum balance is required and is required to obtain the annual percentage yield. A fee will be imposed for early withdrawal, which will reduce earnings. Interest will be compounded and credited to the account quarterly.  Earnings will be reduced if interest is not compounded (paid to another account or paid by check) or the APY will be reduced if the account requests interest on a more frequent basis. Available for customers in our local markets only. No rate bumps available for Golden Checking customers. Not available to our public fund customers.

Individual Retirement Account Rates

$100 Minimum*

Interest Rate

Annual
Percentage Yield

1 Year

0.80%

0.80%

2 Years

1.00%

1.00%

3 Years

1.05%

1.05%

4 Years

1.15%

1.15%

5 Years

1.25%

1.26%

1. A fee will be imposed for early withdrawal. Fees could reduce the earnings on the account.
2. $100 minimum is required to open account.
*Balances to obtain annual percentage yield

Certificates of Deposit Rates

$1,000 Minimum*

Interest Rates

Annual 
Percentage Yield

7-29 Days

0.10%

0.10%

30-59 Days

0.15%

0.15%

60-89 Days

0.20%

0.20%

90-179 Days

0.40%

0.40%

180-364 Days

0.60%

0.60%

1 Year Fixed or Variable

1.00%

1.00%

2 Years

1.10%

1.10%

3 Years

1.20%

1.21%

4 Years

1.30%

1.31%

5 Years

1.35%

1.36%

1. For variable rate accounts, the rate may change after the account is opened.
2. $1,000 minimum is required to open account.
3. A fee will be imposed for early withdrawal from CDs.
4. Fees could reduce the earnings on the account.
5. All interest is compounded quarterly and can be paid out or capitalized quarterly based on customer’s discretion. Interest payments requested on a basis more frequent than quarterly will have a reduced interest rate.
*Daily Minimum Balance to obtain annual percentage yield

Personal Savings Account Rates

$100 Minimum*

Interest Rate

Annual 
Percentage Yield

Balances $100+

0.10%

0.10%

1.  Fees may reduce earnings.
2.  Rate may change after the account is opened.
3. $100 minimum is required to open account.
* Daily Minimum Balance to obtain annual percentage yield

Youth Savings Program Rates

$1 Minimum*

Interest Rate

Annual 
Percentage Yield

Balances $1+

0.10%

0.10%

1.  Fees may reduce earnings.
2.  Rate may change after the account is opened.
3. $1 minimum is required to open account.
4. Only available to children under age 18
5. Child must have a parent or guardian age 18 or older as a co-owner of their account. When account owner turns 18, the account terms and structure will revert to Personal Savings. For more information, please go to https://www.plainscapital.com//personal/banking/savings-money-market/youth-savings-program/

* Daily Minimum Balance to obtain annual percentage yield

PremierAccess Checking Rates

$5,000 Minimum*

Interest Rate

Annual 
Percentage Yield

$5,000 - $24,999

0.10%

0.10%

$25,000 - $99,999

0.15%

0.15%

$100,000-$499,999

0.20%

0.20%

$500,000 +

0.25%

0.25%

1. Fees may reduce earnings.
2. Rate may change after the account is opened.
3. $5,000 minimum is required to open account.
* Daily Minimum Balance to obtain annual percentage yield

Golden Checking Rates

$1,000 Minimum*

Interest Rate

Annual 
Percentage Yield

Balances $1,000+

0.10%

0.10%

1. Fees may reduce earnings.
2. Rate may change after the account is opened.
3. $50 minimum is required to open account.

* Daily Minimum Balance to obtain annual percentage yield

Business Interest Rates

$1,500 Minimum*

Interest Rate

Annual 
Percentage Yield

Balances $1,500+

0.10%

0.10%

 

1. Fees may reduce earnings.
2. Rate may change after the account is opened.
3. $1,500 minimum is required to open account.
* Daily Minimum Balance to obtain annual percentage yield

Money Market Rates

$2,500 Minimum*

Interest Rate

Annual 
Percentage Yield

$2,500 - $4,999

0.25%

0.25%

$5,000 - $24,999

0.35%

0.35%

$25,000-$99,999

0.45%

0.45%

$100,000-$499,999

0.60%

0.60%

$500,000-$999,999

0.65%

0.65%

$1,000,000-$1,999,999

0.75%

0.75%

$2,000,000-$4,999,999

0.80%

0.80%

$5,000,000 and above

0.90%

0.90%

1. Fees may reduce earnings.
2. Rate may change after the account is opened.
3. $2,500 minimum is required to open account.
* Daily Minimum Balance to obtain annual percentage yield

Health Savings Account Rates

$100 Minimum*

Interest Rate

Annual 
Percentage Yield

All Balances 

0.05%

0.05%

1.  Fees may reduce earnings.
2.  Rate may change after the account is opened.
* $100 minimum is required to open account.

Coverdell Education Savings Account Rates

$100 Minimum*

Interest Rate

Annual 
Percentage Yield

1 Year

0.50%

0.50%

2 Year

0.55%

0.55%

3 Year

0.60%

0.60%

4 Year

0.70%

0.70%

5 Year

0.80%

0.80%

1.  Fees may reduce earnings.
2.  Rate may change after the account is opened.
3. $100 minimum is required to open account.
* Annual percentage yield earned on all balances.

The rate and annual percentage yield are accurate as of 8/20/2018.

Rate and APY are subject to change without notice.