Thursday, March 11, 2010
Deposit Rates
Deposit Rates  Deposit Rates

*** Fees and withdrawals could reduce the earnings on accounts.
ANNUAL PERCENTAGE YIELDS (APYS) AND INTEREST RATES

 

Term Days

Compound Frequency

100,000 & up

11,000-99,999

1,000-10,999

Interest Rate

APY

Interest Rate

APY

Interest Rate

APY

30

Monthly

0.40%

0.40%

0.35%

0.35%

0.30%

0.30%

90

Monthly

0.65%

0.65%

0.60%

0.60%

0.55%

0.55%

180

Monthly

1.09%

1.10%

1.00%

1.00%

.95%

.95%

365

Monthly

1.29%

1.30% 

1.24%

1.25%

1.19%

1.20%

366-547

Monthly

1.49%

1.50%

1.39%

1.40%

1.29%

1.30%
IRA'S - ($1,000 minimum balance required to open)

365

365 days

1.30%

1.30%

1.30%

1.30%

1.30%

1.30%

PENALTY FOR EARLY WITHDRAWAL
RATES ARE SUBJECT TO CHANGE DAILY

 

Money Market Investment Account*

Today's Interest Rate

0.15%

APY

0.15%

Minimum to Open

$1,000.00

Avg. Bal. to Earn APY

$1,000.00

Interest Paid Monthly

Interest On Checking

Today's Interest Rate

0.10%

APY

0.10%

Minimum to Open

$1,000.00

Avg. Bal. to Earn APY

$1,000.00

Interest Paid Monthly

Savings Accounts*

Today's Interest Rate

0.15%

APY

0.15%

Minimum to Open

$100.00

Avg. Bal. to Earn APY

$1.00

Interest Paid Quarterly

*Variable Rate is subject to change without notice

FOR TERMS AND APY'S NOT INCLUDED, PLEASE CONTACT A CUSTOMER SERVICE REPRESENTATIVE AT ANY OF OUR LOCATIONS

CALL (806) 558-2265 FOR CURRENT RATE INFORMATION
FDIC Temporary Liquidity Program  FDIC Temporary Liquidity Program

Happy State Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.