Skip navigation

Personal Accounts

Deposit Interest Rates

Texas landscape

Happy Interest Checking

Amount Annual Percentage Yield (APY) Rate
$1,000-$9,999 0.02% 0.02%
$10,000-$99,999 0.02% 0.02%
$100,000-$999,999 0.07% 0.07%
$1,000,000+ 0.21% 0.21%

Happy Money Market

Amount Annual Percentage Yield (APY) Rate
$1,000-$49,999 0.02% 0.02%
$50,000-$99,999 0.05% 0.05%
$100,000-$999,999 0.10% 0.10%
$1,000,000+ 0.26% 0.26%

Happy Savings

Amount Annual Percentage Yield (APY) Rate
$0 -$9,999 0.02% 0.02%
$10,000-$99,999 0.02% 0.02%
$100,000+ 0.02% 0.02%

Happy Health Savings

Amount Annual Percentage Yield (APY) Rate
$0 -$9,999 0.02% 0.02%
$10,000-$99,999 0.02% 0.02%
$100,000+ 0.02% 0.02%

IRA

Term Annual Percentage Yield (APY) Rate
1 Year 0.16% 0.16%

Certificates of Deposit

$1,000 - $10,999 | $11,000 - $99,999
Term Annual Percentage Yield (APY) Rate
1 Month 0.11% 0.11%
3 Months 0.12% 0.12%
6 Months 0.15% 0.15%
1 Year 0.16% 0.16%
18 Months 0.21% 0.21%
2 Years 0.24% 0.24%
3 Years 0.26% 0.26%
4 Years 0.31% 0.31%
5 Years 0.36% 0.36%

Jumbo CDs

Certificates of Deposit $100,000 and Over

For rates on CDs $100,000 and over, please contact your Happy banker or stop by your nearest branch.

Find the Nearest Location
Inside Happy State Bank headquarters building

Rates as of May 26, 2021 and subject to change without notice. | Compounded interest calculated on daily collected balance. | Fees may reduce earnings. Penalty may be imposed for early withdrawal.