Personal

You are unique. You need choices. We can help. With accounts ranging from our "Heritage Checking", to our "Certificates of Deposit", we have the options you're looking for.

Checking Accounts

Heritage Checking
Minimum to open	$1,000
Interest Paid	You must maintain a minimum balance of $1000 in the account each day to obtain the disclosed annual percentage yield.
Interest Rate	See current rates
Interest compounding schedule	Monthly
Monthly Service Fee	$7.50 if balance is below $1,000
Transaction Fee	First 50 checks free, then 10¢ per item
Transaction Limits	Unlimited
Type of Statement	Regular with images
Other Requirements	None
Other Restrictions or Benefits	None

Premier Checking
Minimum to open	$10,000
Interest Paid	You must maintain a minimum balance of $10,000 in the account each day to obtain the disclosed annual percentage yield.
Interest Rate	See current rates
Interest compounding schedule	Monthly
Monthly Service Fee	$10.00 if balance is below $10,000
Transaction Fee	None
Transaction Limits	Unlimited
Type of Statement	Regular with images
Other Requirements	None
Other Restrictions or Benefits	None

Traditions Checking
Minimum to open	$100.00
Interest Paid	None
Interest Rate	N/A
Interest compounding schedule	N/A
Monthly Service Fee	$10.00 if balance is less than $200 $6.00 if balance is $200-$399.99 $4.00 if balance is $400-$599.99 No fee if balance is more than $600
Transaction Fee	First 50 checks free, then 10¢ per item
Transaction Limits	Unlimited
Type of Statement	Regular with images
Other Requirements	None
Other Restrictions or Benefits	None

Liberty Checking
Minimum to open	$100.00
Interest Paid	None
Interest Rate	N/A
Interest compounding schedule	N/A
Monthly Service Fee	$10.00 if minimum balance for statement cycle is less than $200.00
Transaction Fee	None
Transaction Limits	Unlimited
Type of Statement	Regular without images
Other Requirements	None
Other Restrictions or Benefits	None

Texas Star Checking
Minimum to open	$100.00
Interest Paid	If all requirements are met*
Interest Rate	See current rates
Interest compounding schedule	Monthly
Monthly Service Fee	$10.00 if balance is below $500.00
Transaction Fee	None
Transaction Limits	Unlimited
Type of Statement	eStatement with images
Other Requirements	15 debit card transactions Direct deposit Must enroll in online and telebank Must have email address
Other Restrictions or Benefits	$10.00 NSF fee $750 per day limit for debit/credit transactions One account per social security number

Savings Accounts

Traditional Savings
Minimum to open	$100.00
Interest Paid	You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield.
Interest Rate	See current rates
Interest compounding schedule	Quarterly
Monthly Service Fee	$2.00 if balance is below $100 any day of the month
Withdrawal Fee	1 free withdrawal per month, then $1.00 per withdrawal
Transaction Limits	Limit of 6 transactions
Type of Statement	Regular

Lil "Buck"aroo Savings
Minimum to open	$25.00
Interest Paid	You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield.
Interest Rate	See current rates
Interest compounding schedule	Quarterly
Monthly Service Fee	None
Withdrawal Fee	1 free withdrawal per month, then $2.00 per withdrawal
Transaction Limits	Limit of 6 transactions
Type of Statement	Regular

Money Market Savings
Minimum to open	$2,500.00
Interest Paid	You must maintain a minimum balance of $2500 in the account each day to obtain the disclosed annual percentage yield.
Interest Rate	See current rates
Interest compounding schedule	Monthly
Monthly Service Fee	$5.00 if balance is below $2,500.00
Withdrawal Fee	None
Transaction Limits	Limit of 6 transactions
Type of Statement	Regular

CDs & IRAs

Certificates of Deposit
Individual Retirement Accounts

Certificates of Deposit
Requirements	Minimum balance to open is $1000.00 Available to individual and commercial customers
Benefits	No monthly service charge Wide range of investment terms (91 days thru 4 years) Competitive interest rates Certainty of knowing the return on your money Higher interest rates than savings accounts
Cost	Penalties apply for principal withdrawal before maturity as follows: 90 days interest penalty on the amount withdrawn if term of CD is less than 1 year. 180 days interest penalty on the amount withdrawn if term of CD is 1 year or longer.
Rates	See current rates

Individual Retirement Accounts
Requirements	Minimum balance to open is $1000.00 Available to individuals under age 70 ½ years old who have earned income
Benefits	No monthly service charge Wide range of investment terms (91 days thru 4 years) Competitive interest rates Certainty of knowing the return on your money Earnings are tax deferred Principal can be tax deductible
Cost	Penalties apply for principal withdrawal before maturity as follows: 10% IRS penalty applies for withdrawals prior to age 59 ½. 180 days interest penalty on the amount withdrawn applies if you withdraw principal before maturity.
Rates	See current rates