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 June 15, 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.

TermInterest RateAPY
30 Days0.15%0.15%
60 Days0.20%0.20%
90 Days0.20%0.20%
120 Days0.25%0.25%
150 Days0.25%0.25%
180 Days0.30%0.30%
210 Days0.40%0.40%
270 Days0.40%0.40%
1 Year0.50%0.50%
2 Years0.70%0.70%
3 Years0.80%0.80%
4 Years0.95%0.95%
5 Years0.95%0.95%

CERTIFICATE OF DEPOSIT UNDER $250,000

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

TermInterest RateAPY
30 Days0.15%0.15%
90 Days0.20%0.20%
180 Days0.30%0.30%
1 Year0.50%0.50%
2 Years0.70%0.70%
3 Years0.80%0.80%
4 Years0.85%0.85%
5 Years0.90%0.90%

IRA CERTIFICATE OF DEPOSITS

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

TermCurrent Rate  APY
3 month0.30%0.30%
1 year0.50%0.50%
2 year0.70%0.70%
2 year variable0.70%0.70%
3 year0.80%0.80%
4 year0.85%0.85%
5 year0.90%0.90%

SUPER NOW ACCOUNT (INSTITUTIONAL ACCOUNT)

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

TermInterest RateAPY
500 – 2,4990.05%0.05%
2,500 – Up0.10%0.10%

CHAMPION ELITE

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

TermInterest RateAPY
.01-4,9990.05%0.05%
5,000 – 24,9990.08%0.08%
25,000 – Up0.10%0.10%

MONEY MARKET

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

TermInterest RateAPY
500 – 2,4990.01%0.01%
2,500 – 24,9990.05%0.05%
25,000 – 49,9990.15%0.15%
50,000 – 74,9990.25%0.25%
75,000 – 99,9990.35%0.35%
100,000 – Up0.45%0.45%

MONEY MARKET GOLD

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

TermInterest RateAPY
0 – 24,9990.10%0.10%
25,000 – 49,9990.20%0.20%
50,000 – 74,9990.30%0.30%
75,000 – 99,9990.40%0.40%
100,000 – Up0.50%0.50%

BUSINESS INTEREST CHECKING

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

TermInterest RateAPY
1,000 – 4,9990.05%0.05%
5,000 – 24,9990.08%0.08%
25,000 – above0.10%0.10%

HEALTH SAVINGS ACCOUNTS

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

TermInterest RateAPY
500-2,4990.01%0.01%
2,500-24,9990.05%0.05%
25,000-49,9990.15%0.15%
50,000-74,9990.25%0.25%
75,000-99,9990.35%0.35%
100,000-UP0.45%0.45%

SAVINGS ACCOUNT

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

TermInterest RateAPY
100 – Up0.08%0.08%
100 – Up0.08%0.08%

STUDENT SAVINGS ACCOUNT**

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

TermInterest RateAPY
100-UP0.08%0.08%
100-UP0.08%0.08%

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