Rates

Deposit rates subject to change without notice EFFECTIVE January 5, 2012.

Term	Interest Rate	APY*
3 month	0.10	0.10 T
6 month	0.20	0.20 T
12 month	0.45	0.45 Q
18 month	0.65	0.65 Q
24 month	0.85	0.85 Q

* Annual Percentage Yield, Posting of interest: T - at maturity, Q - Quarterly, M- Monthly

Certificates of Deposit and IRA's under $100,000 require a $1,000 Minimum to open. There is a substantial penalty for early withdrawal.

Jumbo CDs

Term	Interest Rate	APY*
3 month	0.15	0.15 T
6 month	0.25	0.25 T
12 month	0.50	0.50 Q
18 month	0.70	0.70 Q
24 month	0.85	0.85 Q

* Annual Percentage Yield, Posting of interest: T - at maturity, Q - Quarterly, M- Monthly

Jumbo CD's require minimum $100,000 to open. There is a substantial penalty for early withdrawal.

Other Deposit Accounts

Product	Interest Rate	APY*
Individual Retirement Accounts Regular CD rates or Variable Rate Account IRA account requires minimum $250 to open. Variable IRA does NOT qualify for Customer Loyalty Calculation.	See Regular CD Rates	See Regular CD Rates
HSA - Health Savings Account (No minimum opening balance required)	1.00	1.00 M
Regular Savings ($300 minimum opening balance required)	0.15	0.15 Q
Shining Star Savings for minors (No minimum opening balance required)	0.15	0.15 Q
Five Star Checking (requires $2,500 minimum opening balance)	(see below)	(see below)
Small Business Checking with Interest (requires $2,500 minimum opening balance)	(see below)	(see below)
Texas First Commercial Money Market (requires $2,500 minimum opening balance)	(see below)	(see below)
Less than $2,500 Balance, $15.00 Service Charge	-	-
Balance $.01 to $25,000.00 earns	0.10	0.10 M
Balance $25,000.01 to $50,000.00 earns	0.15	0.15 M
Balance $50,000.01 to $250,000.00 earns	0.15	0.15 M
Balance $250,000.01 or more	0.25	0.25 M

* Annual Percentage Yield, Posting of interest: T - at maturity, Q - Quarterly, M- Monthly