Account ProductsChecking/Savings • CDs • IRAsChecking and Savings AccountsRegular Checking Account· No minimum to open · No monthly maintenance fee · No per item charge · No account charges for ATM transactions (When you use an ATM not owned by us, you may be charged a fee by the ATM operator or network used) NOW Account · Interest-bearing checking account * · $1,000 minimum to open · $1,000 minimum to avoid monthly maintenance fee · $7.50 monthly maintenance fee if balance falls below $1,000 during statement cycle · $.25 per item fee for over 20 debits per statement cycle Money Market Fund Account · Interest-bearing account * · $1,000 minimum to open · $1,000 minimum to avoid monthly maintenance fee · $10.00 monthly maintenance fee if balance falls below $1,000 during statement cycle · A limit of 6 transfers from a Money Market Fund account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, point of sale, or similar order to third parties per statement cycle. · $10.00 per item fee for over 6 debits per statement cycle (We may require not less than 7 days notice in writing before a Money Market Fund account may be closed and the accrued interest received.) Savings Account · Interest-bearing account * · $50 minimum to open · No transactions by check, draft, or point-of-sale, or similar order to third parties. Certificates of Deposit< $1,000 12 Month Certificate of Deposit· $100 minimum to open · Interest can be compounded quarterly * · Interest can be paid by check or transferred to an existing checking account as often as monthly · Penalty of 1 month interest may apply for early withdrawal prior to maturity 30-60-90 Day Certificate of Deposit · $1,000 minimum to open · Interest can be compounded at maturity * · Interest can be paid by check or transferred to an existing checking account as often as monthly · Penalty of 1 month interest may apply for early withdrawal prior to maturity 182 Day Certificate of Deposit · $1,000 minimum to open · Interest can be compounded quarterly * · Interest can be paid by check or transferred to an existing checking account as often as monthly · Penalty of 1 month interest may apply for early withdrawal prior to maturity 12 Month Certificate of Deposit · $1,000 minimum to open · Interest can be compounded quarterly * · Interest can be paid by check or transferred to an existing checking account as often as monthly · Penalty of 1 month interest may apply for early withdrawal prior to maturity 18-24-36-60 Month Certificate of Deposit · $1,000 minimum to open · Interest can be compounded quarterly * · Interest can be paid by check or transferred to an existing checking account as often as monthly · Penalty of 3 month interest may apply for early withdrawal prior to maturity Individual Retirement Accounts – Roth or TraditionalIRA Savings Account· $100 minimum to open · Variable rate account · Quarterly statements · Interest is compounded quarterly * · No transactions by check, draft, or point-of-sale, or similar order to third parties. * For current Interest Rates, call 361-594-3317 or 361-277-3100 come by our offices at 103 W 7th Street in Shiner or 1800 N. Esplanade in Cuero, Texas
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