Account Rates

These are the current interest rates for American National Bank & Trust of Wichita Falls, Texas. The annual Percentage Yield (APY) may vary depending on the interest. Rates are subject to change.

Interest Rates are current as of March 16, 2020.

A penalty may be imposed for early withdrawal.

Fees could reduce earning on the account.

Minimum balances apply to obtain the disclosed Annual Percentage Yield. Please contact your local branch for details.

Truth in Savings Disclosure

CERTIFICATE OF DEPOSIT OVER $250,000

Minimum amount to open account is $250,000. No minimum balance is required to earn APY.

Term	Interest Rate	APY
30 Days	0.20%	0.20%
60 Days	0.25%	0.25%
90 Days	0.60%	0.60%
120 Days	0.60%	0.60%
150 Days	0.60%	0.60%
180 Days	0.60%	0.60%
210 Days	0.60%	0.60%
270 Days	0.60%	0.60%
1 Year	0.65%	0.65%
2 Years	0.75%	0.75%
3 Years	0.80%	0.80%
4 Years	0.85%	0.85%
5 Years	0.90%	0.90%

CERTIFICATE OF DEPOSIT UNDER $250,000

Minimum amount to open account is $1,000. No minimum balance is required to earn APY.

Term	Interest Rate	APY
30 Days	0.20%	0.20%
90 Days	0.60%	0.60%
180 Days	0.60%	0.60%
1 Year	0.65%	0.65%
2 Years	0.75%	0.75%
3 Years	0.80%	0.80%
4 Years	0.85%	0.85%
5 Years	0.90%	0.90%

IRA CERTIFICATE OF DEPOSITS

Minimum amount to open account is $200. No minimum balance is required to earn APY.

Term	Current Rate	APY
3 month	0.60%	0.60%
1 year	0.65%	0.65%
2 year	0.75%	0.75%
2 year variable	0.75%	0.75%
3 year	0.80%	0.80%
4 year	0.85%	0.85%
5 year	0.90%	0.90%

SUPER NOW ACCOUNT (INSTITUTIONAL ACCOUNT)

Minimum amount to open account is $100. Minimum balance to earn APY – see tier below.

Term	Interest Rate	APY
500 – 2,499	0.05%	0.05%
2,500 – Up	0.10%	0.10%

CHAMPION ELITE

Minimum amount to open account is $50. Minimum balance to earn APY – see tier below.

Term	Interest Rate	APY
.01-4,999	0.05%	0.05%
5,000 – 24,999	0.08%	0.08%
25,000 – Up	0.10%	0.10%

MONEY MARKET

Minimum amount to open account is $2,500. Minimum balance to earn APY – see tier below.

Term	Interest Rate	APY
500 – 2,499	0.05%	0.05%
2,500 – 24,999	0.10%	0.10%
25,000 – 49,999	0.20%	0.20%
50,000 – 74,999	0.30%	0.30%
75,000 – 99,999	0.40%	0.40%
100,000 – Up	0.50%	0.50%

MONEY MARKET GOLD

Minimum amount to open account is $25,000. Minimum balance to earn APY – see tier below.

Term	Interest Rate	APY
0 – 24,999	0.15%	0.15%
25,000 – 49,999	0.25%	0.25%
50,000 – 74,999	0.35%	0.35%
75,000 – 99,999	0.45%	0.45%
100,000 – Up	0.55%	0.55%

BUSINESS INTEREST CHECKING

Minimum amount to open account is $50. Minimum balance to earn APY – see tier below.

Term	Interest Rate	APY
1,000 – 4,999	0.05%	0.05%
5,000 – 24,999	0.08%	0.08%
25,000 – above	0.10%	0.10%

HEALTH SAVINGS ACCOUNTS

Minimum amount to open account is $100. Minimum balance to earn APY – see tier below.

Term	Interest Rate	APY
500-2,499	0.05%	0.05%
2,500-24,999	0.10%	0.10%
25,000-49,999	0.20%	0.20%
50,000-74,999	0.30%	0.30%
75,000-99,999	0.40%	0.40%
100,000-UP	0.50%	0.50%

SAVINGS ACCOUNT

Minimum amount to open account is $100. Minimum balance to earn APY is $100.

Term	Interest Rate	APY
100 – Up	0.08%	0.08%
100 – Up	0.08%	0.08%

STUDENT SAVINGS ACCOUNT**

Minimum amount to open account is $1. Minimum balance to earn APY is $1.

Term	Interest Rate	APY
100-UP	0.08%	0.08%
100-UP	0.08%	0.08%

**The Student Savings Account is offered only thru participating WFISD Elementary Schools.