What Are Current Rates?

Have a look at the current rates, or call our rate line at (903) 784-5195

Rates were last changed on March 15, 2016

Checking Accounts
  Minimum to Open Minimum Balance to Earn Annual Percentage Yield Interest Rate Annual Percentage Yield
Now Account $100.00 $100.00 0.05 0.05
Super Now Account $100.00 $2,500.00 0.05 0.05
Money Market Deposit $2,500.00 $2,500.00 0.05 0.05
Money Market Deposit $2,500.00 $10,000.00 0.10 0.10
Money Market Deposit $2,500.00 $25,000.00 0.10 0.10
Money Market Deposit $2,500.00 $100,000.00 0.15 0.15
First Choice Checking $100.00 $0.00 0.00 0.00


First Preferred Checking
  Minimum to Open Minimum Balance to Earn Annual Percentage Yield Interest Rate Annual Percentage Yield
Now Account $100.00 $500.00 0.05 0.05
Super Now Account $100.00 $2,500.00 0.05 0.05
Premium $100.00 $5,000.00 0.10 0.10
Premium Plus $100.00 $10,000.00 0.15 0.15


First Reward Checking
  Minimum to Open Minimum Balance to Earn Annual Percentage Yield Interest Rate Annual Percentage Yield
Qualified $100.00 $0.01 0.75 0.76
Qualified $100.00 $25,000.01 0.25 0.25
Non-Qualified $100.00 $0.01 0.05 0.05
First Reward Checking is a free personal checking account with added rewards for qualifying customers. Reward features include all ATM fees reimbursed automatically on statement cycle date, annual percentage yield of .76% on balance up to $25,000, and annual percentage yield of 0.25% on balance above $25,000. Monthly requirements for the added reward features are evaluated each statement cycle and include 10 debit card transactions, one automated ACH direct deposit or direct debit, and electronic receipt of bank statements.


Savings Accounts
  Minimum to Open Minimum Balance to Earn Annual Percentage Yield Interest Rate Annual Percentage Yield
Savings $100.00 $100.00 0.05 0.05
Christmas Club Savings $5.00 $100.00 0.05 0.05


Certificates of Deposit
  Minimum to Open Minimum Balance to Earn Annual Percentage Yield Interest Rate Annual Percentage Yield
91 Day CD $1,000.00 $1,000.00 0.20 0.20
182 Day CD $1,000.00 $1,000.00 0.45 0.45
1 Year CD $1,000.00 $1,000.00 0.65 0.65
18 Month CD $1,000.00 $1,000.00 0.85 0.85
2 Year CD $1,000.00 $1,000.00 0.95 0.95
30 Month CD $1,000.00 $1,000.00 1.00 1.00
3 Year CD $1,000.00 $1,000.00 1.10 1.11
4 Year CD $1,000.00 $1,000.00 1.25 1.26
5 Year CD $1,000.00 $1,000.00 1.45 1.46
Customers who have either an 18-month or 30-month CD have one opportunity during the original term to roll to a higher rate that has been offered for a CD of the same term. All other original terms and conditions will remain the same.


CERTIFICATES of DEPOSIT
  • A penalty will be imposed for early withdrawal from certificate of deposit accounts.
  • After your CD is opened, the interest rate is fixed for the term unless otherwise indicated.

CHECKING or SAVINGS accounts

  • Fees may reduce earnings on the account.
  • Interest Rate may change without notice after account opens.