Deposit Rates

Effective Date: January 1, 2018

rates-savings table
Savings(Shares)
Type of AccountDivdend RateAnnual Percentage Yield
$100.00 - $1,000.000.05% on entire balance0.05%
Greater than $1,000.000.15% on entire balance0.15%

Regular Savings requires @25.00 to open
Requires $100.00 each day to earn dividends

rates-buddy-savers table
H-E-Buddy Savers Club
Type of AccountDivdend RateAnnual Percentage Yield
$0.01 - $1,000.000.05% on entire balance0.05%
Greater than $1,000.000.15% on entire balance0.15%

Requires $0.01 each day to earn dividends
Savers Club requires $25.00 to open

rates-holiday table
Holiday/Vacation
Type of AccountDivdend RateAnnual Percentage Yield
$25.00 and greater0.15%0.15%

Holiday and Vacation accounts require $5.00 each to open
Require $25.00 to earn dividends

rates-money-market table
Money Market*
Type of AccountDivdend RateAnnual Percentage Yield
$1500.00 - $10,000.000.15% on entire balance0.15%
Greater than $10,000.000.20% on entire balance0.20%

Money Market requires $1,500.00 to open
Requires $1,500.00 each day to earn APY disclosed

rates-money-market-plus table
Money Market Plus*
Type of AccountDivdend RateAnnual Percentage Yield
Greater than $25,0000.50% on entire balance0.50%

Money Market Plus requires $25,000.00 to open
Requires $25,000.00 each day to earn APY disclosed

rates-variable-ira table
Variable IRA Share Account
Type of AccountDivdend RateAnnual Percentage Yield
$50.00 to open2.17%2.18%
rates-term table
Term Share Certificate**
Term Share Certificate**
Balances from $1,000.00 - $9,999.99Divdend RateAnnual Percentage Yield
3 Month0.29%0.29%
6 Month0.49%0.49%
12 Month0.76%0.76%
24 Month0.99%0.99%
36 Month1.16%1.16%
60 Month1.51%1.52%
Balances from $1,000.00 - $9,999.99Divdend RateAnnual Percentage Yield
3 Month0.42%0.42%
6 Month0.70%0.70%
12 Month1.07%1.08%
24 Month1.41%1.42%
36 Month1.64%1.65%
60 Month2.15%2.17%

*Dividends are earned on the daily balance and paid monthly. Dividend rates and APY are subject to change daily without notice at the discretion of the Board of Directors. Fees may reduce earnings on the account.

** Term Share Certificates require $1,000.00 to open. Require $1,000.00 each day to earn dividends. Term Share Certificates earning the second-tier (higher) rate require $10,000.00 to open and $10,000.00 on deposit each day to earn dividends. Interest rate and APY are subject to change daily without notice at the discretion of the Board of Directors. A penalty will be imposed for early withdrawal.

Call (210) 938-7850 for current rates. APY is Annual Percentage Yield. APY assumes dividends remain in the account until maturity. Withdrawals reduce earnings.

All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends. The above rates were paid for their respective dividend periods.

Dividends are paid at the end of the period from the current income and the available earnings after required transfers to reserves.

These rates are not guaranteed for the current dividend period.