Rates

Loan Type	APR* as low as
Auto (New or Used)	1.75%
Boats, Farm Equip, Motorcycles, RV's (New or Used)	5.75%
Mortgage Loans	Please contact us for today's mortgage rates.
Home Equity	4.75%
Signature	8.75%
Line of Credit	8.75%
Share Secured	3.00% above underlying Savings or CD (certificate of deposit) rate

Term of Certificate	APY**	Minimum Balance to Open
Money Market 91 days CD	0.10%	$2,500.00
Money Market 182 days CD	0.15%	$2,500.00
Youth CDs from 12 months - 60 months	0.55% - 1.25%	$100.00
Regular and IRA CD Terms and Rates
12 month CD	0.55%	$500.00
24 month CD	0.75%	$500.00
36 month CD	0.75%	$500.00
48 month CD	0.85%	$500.00
60 month CD	1.25%	$500.00
24 month Bump Up CD	0.45%	$500.00
36 month Bump Up CD	0.25%	$500.00
48 month Bump Up CD	0.60%	$500.00
60 month Bump Up CD	1.01%	$500.00
12 month Jumbo CD	0.65%	$90,000.00
24 month Jumbo CD	0.85%	$90,000.00
36 month Jumbo CD	0.85%	$90,000.00
48 month Jumbo CD	0.95%	$90,000.00
60 month Jumbo CD	1.35%	$90,000.00
24 month Jumbo Bump Up CD	0.55%	$90,000.00
36 month Jumbo Bump Up CD	0.35%	$90,000.00
48 month Jumbo Bump Up CD	0.70%	$90,000.00
60 month Jumbo Bump Up CD	1.10%	$90,000.00

Account Type	APY**	Balance to Earn Annual Percentage Yield
Regular Savings	0.05%	$100.00
Special Savings	0.05%	$100.00
IRA Savings	0.10%	$100.00
Lone Star Ranger Savings	0.15%	$100.00 - $2,499.99
	0.05%	> $2,500.00
Money Market Checking	0.05%	> $2,500.00
	0.15%	> $15,000.00
Texas Heritage Checking	0.00%	$1,500.00

*APR= Annual percentage rate. APR is subject to loan term and credit approval.
**APY= Annual percentage yield