*APY: Annual Percentage Yield. **Minimum deposit of $25,000 for Certificates of Deposit (CDs). The interest rate is for new money deposited and does not apply to existing accounts. Please contact a branch location for our current interest rates and Annual Percentage Yield (APY) information. Rates and/or terms and conditions are subject to change at any time, without prior notice at State Bank of Texas’ discretion and/or as required by law. Fees, withdrawals, and penalties could reduce the earning on the account. Interest is paid monthly via ACH or added back annually.