​Due to weather conditions, beginning on September 14, 2021 and until further notice, our Houston Four Oaks banking center lobby will be temporarily closed. Please visit the drive thru or the Westway banking center at 4424 West Sam Houston Parkway N. Suite 170, Houston, TX 77041 for all in-person banking needs.

We have scheduled enhancements for our website platform on Tuesday, September 14th, starting at 5:30 PM CST to approximately 7:00 PM CST. During this time, our website may not be available and/or may have reduced functionality.

Current Rates

Rates are subject to change. Fees may affect earnings on account. Low-cost regular and basic checking accounts also available. $100 minimum required to open all personal checking or savings accounts ($25 for Savings-Minor). Commercial accounts are also available.

Account product name Interest rate Apy*

Capital Interest Checking 
minimum $500 to earn interest 

$500.00 - $99,999.99
$100,000 - $499,999.99
$500,000 or more

 


.03%
.05%
.05%

 


.03%
.05%
.05%

Premier Checking
($25,000 combined deposits)
All Balances

.05%

.05%

Consumer Savings
(includes Savings-MINOR)
All Balances

.05%

.05%

Money Market Account
Minimum Daily Ledger Balance to earn interest: $500

$500.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $99,999.99
$100,000.00 - $999,999.99
$1,000,000.00 or more

 

 

.05%
.05%
.05%
.10%
.10%

 

 

.05%
.05%
.05%
.10%
.10%

Premier Money Market Account
($25,000 combined deposits)
Minimum $500 to earn interest
Daily Balances of:

$500.00 - $24,999.99
$25,000.00 - $99,999.99
$100,000.00 - $999,999.99
$1,000,000.00 or more

 

 

 

.05%
.10%
.15%
.15%

 

 

 

.05%
.10%
.15%
.15%

 

*An Annual Percentage Yield (APY) is calculated based on a one-year time frame. If you allow your interest to add back to the principal over a one-year time period, the Annual Percentage Yield is what you will receive. Fees may reduce earnings on accounts.

CD

$1,000 minimum required to open a CD account.
Penalty for early withdrawal.

Account product name Interest rate Apy*

Premier Interest
($25,000 Combined Deposits)

 Premier APY*

30 Day
All Balances

.10%

.10%

.10%

.10%

90 Day
All Balances

.15%

.15%

.15%

.15%

180 Day
All Balances

.25%

.25%

.25%

.25%

12 Month
All Balances

.35%

.35%

.35%

.35%

18 Month
All Balances

.30%

.30%

.30%

.30%

24 Month
All Balances

.25%

.25%

.30%

.30%

30 Month
All Balances

.25%

.25%

.30%

.30%

36 Month
All Balances

.25%

.25%

.30%

.30%

48 Month
All Balances

.25%

.25%

.30%

.30%

60 Month
All Balances

.25%

.25%

.30%

.30%

 

*An Annual Percentage Yield (APY) is calculated based on a one-year time frame. If you allow your interest to add back to the principal over a one-year time period, the Annual Percentage Yield is what you will receive. Fees may reduce earnings on accounts.

Rates effective: Tuesday, October 19, 2021  

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