Current Rates

CD Specials Rates

Interest Rates

Annual 
Percentage Yield

16 Month CD Special3

0.64%

0.64%

39 Month CD Special3

1.39%

1.40%

18 Month step-up extendable1

0.50%

0.50%

30 Month 2X step-up2

0.55%

0.55%

40 Month 3X step-up2

0.65%

0.65%

Rates valid for balances up to $5 Million, except for 39 mo CD which has a limit of $1 million per household or corporate customer.
All rates subject to change at bank's discretion.
The rate and annual percentage yield is accurate as of 7/29/15.
$1,000 minimum balance is required to open a CD.
$1,000 minimum balance is required to obtain the annual percentage yield.
A fee will be imposed for early withdrawal from CDs and IRAs.
Early withdrawal fees on CD’s will reduce earnings on the CD.
1One step-up or unlimited new step-ups with each new 18 month commitment.
2Multiple step-up option products. No new commitment required.
3Available for Texas residents only. No rate bumps available for Golden Checking customers. Interest will be paid or capitalized quarterly.

Individual Retirement Account Rates

$100 Minimum

Interest Rate

Annual
Percentage Yield

1 Year

0.50%

0.50%

2 Years

0.55%

0.55%

3 Years

0.60%

0.60%

4 Years

0.70%

0.70%

5 Years

0.80%

0.80%

Rates valid for balances up to $5 Million.
All rates subject to change at bank's discretion.
The rate and annual percentage yield is accurate as of 7/29/15.
$1,000 minimum balance is required to open a CD.
$1,000 minimum balance is required to obtain the annual percentage yield.
A fee will be imposed for early withdrawal from CDs and IRAs.
Early withdrawal fees on CD’s will reduce earnings on the CD.

Certificates of Deposit Rates

$1,000 Minimum

Interest Rates

Annual 
Percentage Yield

7-29 Days

0.05%

0.05%

30-59 Days

0.10%

0.10%

60-89 Days

0.15%

0.15%

90-179 Days

0.25%

0.25%

180-364 Days

0.35%

0.35%

1 Year Fixed or Variable

0.50%

0.50%

2 Years

0.55%

0.55%

3 Years

0.60%

0.60%

4 Years

0.70%

0.70%

5 Years

0.80%

0.80%

Rates valid for balances up to $5 Million.
All rates subject to change at bank's discretion.
The rate and annual percentage yield is accurate as of 7/29/15.
$1,000 minimum balance is required to open a CD.
$1,000 minimum balance is required to obtain the annual percentage yield.
A fee will be imposed for early withdrawal from CDs and IRAs.
Early withdrawal fees on CD’s will reduce earnings on the CD.

Savings Rates

$100 Minimum

Interest Rate

Annual 
Percentage Yield

All Balances 

0.05%

0.05%

Rates valid for balances up to $5 Million.
All rates subject to change at bank's discretion.
The rate and annual percentage yield is accurate as of 7/29/15.
$1,000 minimum balance is required to open a CD.
$1,000 minimum balance is required to obtain the annual percentage yield.
A fee will be imposed for early withdrawal from CDs and IRAs.
Early withdrawal fees on CD’s will reduce earnings on the CD.
*One step-up or unlimited new step-ups with each new 18 month commitment.
**Multiple step-up option products. No new commitment required.

Premier Checking Rates

$5,000 Minimum

Interest Rate

Annual 
Percentage Yield

$5,000 - $24,999

0.05%

0.05%

$25,000 - $99,999

0.05%

0.05%

$100,000-$499,999

0.10%

0.10%

$500,000 +

0.15%

0.15%

Rates valid for balances up to $5 Million.
All rates subject to change at bank's discretion.
The rate and annual percentage yield is accurate as of 7/29/15.
$1,000 minimum balance is required to open a CD.
$1,000 minimum balance is required to obtain the annual percentage yield.
A fee will be imposed for early withdrawal from CDs and IRAs.
Early withdrawal fees on CD’s will reduce earnings on the CD.
*One step-up or unlimited new step-ups with each new 18 month commitment.
**Multiple step-up option products. No new commitment required.

Preferred Checking Rates

$1,500 Minimum

Interest Rate

Annual 
Percentage Yield

All Balances

0.05%

0.05%

Rates valid for balances up to $5 Million.
All rates subject to change at bank's discretion.
The rate and annual percentage yield is accurate as of 7/29/15.
$1,000 minimum balance is required to open a CD.
$1,000 minimum balance is required to obtain the annual percentage yield.
A fee will be imposed for early withdrawal from CDs and IRAs.
Early withdrawal fees on CD’s will reduce earnings on the CD.
*One step-up or unlimited new step-ups with each new 18 month commitment.
**Multiple step-up option products. No new commitment required.

Golden Checking Rates

$1,500 Minimum

Interest Rate

Annual 
Percentage Yield

All Balances 

0.05%

0.05%

Rates valid for balances up to $5 Million.
All rates subject to change at bank's discretion.
The rate and annual percentage yield is accurate as of 7/29/15.
$1,000 minimum balance is required to open a CD.
$1,000 minimum balance is required to obtain the annual percentage yield.
A fee will be imposed for early withdrawal from CDs and IRAs.
Early withdrawal fees on CD’s will reduce earnings on the CD.
*One step-up or unlimited new step-ups with each new 18 month commitment.
**Multiple step-up option products. No new commitment required.

Business Interest Rates

Interest Rate

Annual 
Percentage Yield

$1,500+

0.05%

0.05%

Rates valid for balances up to $5 Million.
All rates subject to change at bank's discretion.
The rate and annual percentage yield is accurate as of 7/29/15.
$1,000 minimum balance is required to open a CD.
$1,000 minimum balance is required to obtain the annual percentage yield.
A fee will be imposed for early withdrawal from CDs and IRAs.
Early withdrawal fees on CD’s will reduce earnings on the CD.
*One step-up or unlimited new step-ups with each new 18 month commitment.
**Multiple step-up option products. No new commitment required.

Money Market Rates

Interest Rate

Annual 
Percentage Yield

$2,500 - $4,999

0.05%

0.05%

$5,000 - $24,999

0.05%

0.05%

$25,000-$99,999

0.10%

0.10%

$100,000-$499,999

0.15%

0.15%

$500,000 +

0.20%

0.20%

Rates valid for balances up to $5 Million.
All rates subject to change at bank's discretion.
The rate and annual percentage yield is accurate as of 7/29/15.
$1,000 minimum balance is required to open a CD.
$1,000 minimum balance is required to obtain the annual percentage yield.
A fee will be imposed for early withdrawal from CDs and IRAs.
Early withdrawal fees on CD’s will reduce earnings on the CD.
*One step-up or unlimited new step-ups with each new 18 month commitment.
**Multiple step-up option products. No new commitment required.