Shape Plain Capital Deposit Interest Rates & Annual Percentage Yields (APYs)†

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‡ States, cities, counties and other public agencies are not eligible for this type of account and should contact their banking representative to discuss alternatives. † Please ensure that you meet the eligibility requirements before proceeding.

The interest rates and Annual Percentage Yields (APYs) listed in this deposit rate sheet are effective on the date shown above and apply to accounts located in Northeast Texas. Checking and savings accounts are variable rate accounts. We may at our discretion change each interest rate and APY on variable rate accounts at any time without notice. IRA Variable Rate CDs are also variable rate accounts. Other CD accounts earn interest at a fixed rate. With a fixed rate account, the applicable rate is paid until the CD matures. Fees could reduce earnings on an account. A penalty is imposed for early withdrawal from a CD. It is important to note that the interest rates and APYs mentioned in this deposit rate sheet are specific to accounts in Northeast Texas and may vary in other regions.

We may change the information in this deposit rate sheet at any time without notice. As examples, we may add, delete or change APYs, tiers and CD terms. Please review the deposit agreement and schedule of fees for additional provisions and conditions that apply to these accounts. Interest rate means an annual rate of interest paid on an account which does not reflect compounding. The APY is a percentage rate reflecting the total amount of interest paid on the account, based on the interest rate and frequency of compounding. Please note that the APY may vary depending on the frequency of compounding. For more information on the terms and conditions of your account, refer to the deposit agreement and schedule of fees provided.

For additional terms and conditions that apply to your account (such as - fees, minimum opening balance requirements, how interest is calculated, and early withdrawal penalties on CDs), please see our deposit agreement and schedule of fees for your account. IRA CDs are only available to consumers. Northeast Texas is defined as Anderson, Bowie, Camp, Cass, Cherokee, Collin, Cooke, Dallas, Delta, Denton, Ellis, Erath, Fannin, Franklin, Grayson, Gregg, Harrison, Henderson, Hood, Hopkins, Hunt, Johnson, Kaufman, Lamar, Marion, Morris, Navarro, Palo Pinto, Panola, Parker, Rains, Red River, Rockwall, Rusk, Smith, Somervell, Tarrant, Titus, Upshur, Van Zandt, Wise, and Wood counties in Texas. To ensure compliance with the terms and conditions specific to your account, we recommend reviewing our deposit agreement and schedule of fees. It's important to note that IRA CDs are exclusively offered to consumers. Northeast Texas encompasses a wide range of counties including Anderson, Bowie, Camp, and more in Texas.

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