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31-DAY CD:

The minimum amount to open this term CD is $2,500.00. This is the only CD that you can make unlimited deposits and withdrawals from as long as the balance does not fall below the $2,500.00. If it does then the CD will have to be closed and deposited into a checking or savings account.

91-DAY CD — 5 YEAR CD:

The minimum to open a longer-term CD is $1,000.00. The longer-term CDs yield a higher interest rate and the interest rate is determined by the financial institution based on the Federal Interest Rate.

If you decide to invest in a long-term CD, the funds you invest will need to remain in the CD until maturity. If you do make withdrawals from the account or want to make a deposit to the CD before the maturity date, you will pay a penalty fee. The penalty fee amount depends on the term of the CD.

For more information on CDs contact Brenda Vernon or Christie Tongate in New Accounts, 325-643-3545.


We offer the opportunity for our customers to invest in a variety of individual retirement accounts. For information on these investment accounts contact Christie or Brenda in the New Accounts Department, 325-643-3545.