*APY: Annual Percentage Yield. **Minimum deposit of $100,000 for Certificates of Deposit (CDs). ***Rate available for residents of Harris County, TX and contiguous counties. Proof of residency required. 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.