Deposit Rates
Effective Date: October 31, 2024
Specials
To open a Money Market or Share Certificate, contact us at 210-938-7850.
| Type of Account | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Money Market Special $5,000 and Greater | 2.47% | 2.50% |
| Power Saver Share Certificate | 4.65% | 4.75% |
Savings (Shares)
| Type of Account | Dividend Rate | Annual Percentage Yield |
| Greater than $1,000.00 | 0.05% on entire balance | 0.05% |
Regular Savings requires $25.00 to open
Requires $1,000.00 each day to earn dividends
H-E-Buddy Savers Club
| Type of Account | Dividend Rate | Annual Percentage Yield |
| Greater than $1,000.00 | 0.05% on entire balance | 0.05% |
Requires $1,000.00 each day to earn dividends
Savers Club requires $25.00 to open
Holiday/Vacation
| Type of Account | Dividend Rate | Annual Percentage Yield |
| $25.00 and greater | 0.05% | 0.05% |
Holiday and Vacation accounts require $5.00 each to open
Require $25.00 to earn dividends
Money Market*
| Type of Account | Dividend Rate | Annual Percentage Yield |
| $1500.00 - $10,000.00 | 0.10% | 0.10% |
| Greater than $10,000.00 | 0.35% | 0.35% |
Money Market requires $1,500.00 to open
Requires $1,500.00 each day to earn APY disclosed
Money Market Plus*
| Type of Account | Dividend Rate | Annual Percentage Yield |
| $25,000 - $100,000 | 1.00% | 1.00% |
| Greater than $100,000 | 1.98% | 2.00% |
Money Market Plus requires $25,000.00 to open
Requires $25,000.00 each day to earn APY disclosed
Variable IRA Share Account
| Type of Account | Dividend Rate | Annual Percentage Yield |
| $50.00 to open | 4.41% | 4.50% |
Term Share Certificate**
| Balances from $1,000.00 - $9,999.99 | Dividend Rate | Annual Percentage Yield |
| 3 Month | .81% | .81% |
| 4 Month | 4.65% | 4.75% |
| 6 Month | 1.12% | 1.12% |
| 12 Month | 1.18% | 1.19% |
| 24 Month | .98% | .98% |
| 36 Month | .91% | .91% |
| 60 Month | .91% | .91% |
| Balances greater than $9,999.99 | Dividend Rate | Annual Percentage Yield |
| 3 Month | 1.14% | 1.15% |
| 4 Month | 4.65% | 4.75% |
| 6 Month | 1.59% | 1.60% |
| 12 Month | 1.69% | 1.70% |
| 24 Month | 1.39% | 1.40% |
| 36 Month | 1.29% | 1.30% |
| 60 Month | 1.29% | 1.30% |
*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.