Interest Rates and Annual Percentage Yields (APY)

Rates and APY Current as of January 11, 2012

Checking and Savings Accounts

Account Type	Minimum Deposit to Open	Compounding Frequency	Interest Rate**	APY**
Texas Interest Checking (NOW)	$1,500	Monthly	.05%	.05%
Silver Dollar Checking	$1,500	Monthly	.05%	.05%
Personal Money Market Savings	$1,500	Monthly	.10%	.10%
Commercial Money Market Savings	$2,500	Monthly	.10%	.10%
Regular Savings	$200	Quarterly	.20%	.20%
No Minimum Balance to Obtain Stated APY *Average Daily Collected Balance **Rates may change after the account is opened and Fees could reduce earnings

Certificate of Deposit Under $90,000

Term	Compounding Frequency	Interest Rate	APY
7 Days	At Maturity	.15%	.15%
30 Days	At Maturity	.15%	.15%
60 Days	At Maturity	.15%	.15%
90 Days	At Maturity	.20%	.20%
180 Days	Quarterly	.20%	.20%
1 Years	Quarterly	.50%	.50%
2 Years	Quarterly	.60%	.60%
2.5 Years	Quarterly	.60%	.60%
3 Years	Quarterly	.70%	.70%
4 Years	Quarterly	.80%	.80%
5 Years	Quarterly	1.05%	1.05%
Minimum Deposit to Open $500 $500 Minimum Balance to Obtain Stated APY Fixed Rate Subject to early withdrawal penalty

 

Rising Star Certificates of Deposit

Term	Compounding Frequency	Interest Rate	APY
18 Months	Quarterly	.50%	.50%
Minimum Deposit to Open $10,000 $10,000 Minimum Balance to Obtain Stated APY Variable Rates  Subject to early withdrawal penalty Rates may change after the account is opened

  

Jumbo Certificates of Deposit

Term	Compounding Frequency	Interest Rate	APY
14 Days	At Maturity	.15%	.15%
30 Days	At Maturity	.15%	.15%
60 Days	At Maturity	.15%	.15%
90 Days	At Maturity	.20%	.20%
120 Days	Quarterly	.20%	.20%
150 Days	Quarterly	.20%	.20%
180 Days	Quarterly	.20%	.20%
210 Days	Quarterly	.25%	.25%
270 Days	Quarterly	.35%	.35%
1 Years	Quarterly	.50%	.50%
18 Months	Quarterly	.50%	.50%
2 Years	Quarterly	.65%	.65%
3 Years	Quarterly	.70%	.70%
4 Years	Quarterly	.75%	.75%
5 Years	Quarterly	1.05%	1.05%
Minimum Deposit to Open $90,000 $90,000 Minimum Balance to Obtain Stated APY Fixed Rate  Subject to early withdrawal penalty

  

IRA Certificate of Deposit

Term	Compounding Frequency	Interest Rate	APY
12 Months	At Maturity	.50%	.50%
18 Months	At Maturity	.50%	.50%
30 Months	At Maturity	.65%	.65%
36 Months	At Maturity	.70%	.70%
5 Years	Quarterly	1.05%	1.05%
Minimum Deposit to Open $500 $500 Minimum Balance to Obtain Stated APY Fixed Rate  Subject to early withdrawal penalty

  

IRA Certificate of Deposit

Term	Compounding Frequency	Interest Rate	APY
18 Months	Quarterly	.50%	.50%
Minimum Deposit to Open $250 $250 Minimum Balance to Obtain Stated APY Variable Rate  Subject to early withdrawal penalty Rates may change after the account is opened

 

Additional information or most current rates, applicable fees, and terms may be
obtained by calling 713-681-2265 or 281-494-6686.
APY may vary depending on frequency of interest payments.

The State Bank of Texas
P.O. Box 920978
Houston, Texas 77292-0978
713-681-2265