INTEREST RATES Rates are subject to change without notice.  On Certificates of Deposit and IRAs, a penalty  may be imposed for early withdrawal which could reduce the annual percentage yield, and fees could reduce earnings on an account.  Please call (325) 554-9000 for more information about fees and terms.  Interest Rates and APY as of June 5, 2013: Account Type :  Interest Rate Annual Percentage Yield Savings    0.050% 0.050% Money Market Investment Account 0.100% 0.100% Super Now 0.080% 0.080%   Certificate of Deposit: 32 thru 180 days 0.100% 0.100% 181 thru 364 days 0.150% 0.150% 1 year 0.250% 0.250% 2 years 0.250% *0.250% 3 years 0.300% *0.300% 4 years 0.350% *0.351% 5 years 0.350% *0.351%   Individual Retirement Account 1 year 0.250% 0.250% 2 years 0.250% *0.250% 3 years 0.300% *0.300% 4 years 0.350% *0.351% *Interest will be paid at least annually by check or by deposit to another account.