TCB Rates

Deposit Rates

Rates Current as of October 31, 2012

Reward Checking Accounts
	APY
< $25,000	2.05%
>$25,000	0.20%
*If the requirements for Reward Checking are not met, the annual percentage yield is 0.02%.

Reward Plus Accounts
	APY
< $25,000	2.50%
>$25,000	0.20%
*If the requirements for Reward Plus are not met, the annual percentage yield is 0.02%.

Money Market Savings
	APY
< $2,500	0.05%
$2,500 - $25,000	0.15%
$25,000 - $100,000	0.25%
$100,000 - $250,000	0.35%
>$250,000	0.40%

BizReward Money Fund
	APY
< $2,500	0.00%
$2,500 - $25,000	0.20%
$25,000 - $100,000	0.25%
$100,000 - $250,000	0.40%
>$250,000	0.50%

IRA Money Market
	APY
< $2,500	0.10%
$2,500 - $25,000	0.25%
$25,000 - $100,000	0.30%
$100,000 - $250,000	0.50%
>$250,000	0.55%

Savings Account
	APY
	0.10%

10:21 AM 11/1/2012

Now Account
	APY
< $1,500	0.00%
> $1,500	0.10%

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Certificate of Deposit Rates

Rates current as of October 31, 2012

Certificates of Deposit (<$100,000)
	APY
3 Months	0.25%
6 Months	0.40%
9 Months	0.50%
12 Months	0.65%
18 Months	0.70%
24 Months	0.85%

Certificates of Deposit (>$100,000)
	APY
3 Months	0.25%
6 Months	0.40%
9 Months	0.50%
12 Months	0.65%
18 Months	0.70%
24 Months	0.85%

Reward Certificates of Deposit*
	APY
3 Months	0.30%
6 Months	0.45%
9 Months	0.55%
12 Months	0.70%
18 Months	0.75%
24 Months	0.90%
*Must have, or open and maintain a Direct Deposit to a Texas Citizens Bank Personal Account.

Rates current as of October 31, 2012

"One Bump" Certificates of Deposit (Minimum Deposit $10,000.00)
	APY
30 Months	1.05%
48 Months	1.25%

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