Earn 1.60% APY*
On 60-Month CD/IRA CD
*APY (Annual Percentage Yield) accurate as of February 21, 2012. Minimum balance to open account is $500. A penalty may be imposed for early withdrawal >>

ATM Rebate
Use THEIR ATM and get a very special rebate...Up to $2.00 per transaction!
Get the full info here >>

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS -

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Personal Banking

Credit Cards

We make it easy to choose the credit card that is right for you, with three cards to choose from. All three cards are available in two options, Low Rate Card or Preferred Points Card.

• Visa^® Classic
• Visa^® Platinum
• Gold MasterCard^®
  

Personal Card - Low Rate

Benefits

• Competitive annual percentage rate (APR).*
• 24-hour toll-free live customer assistance available at 800-367-7576
• Online account information available 24/7 at www.cardaccount.net
• Rental car collision damage waiver protection.
• Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Features

• No annual fee.
• Low introductory rate for the first six months.*
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Fees

• Other fees may be charged. These fees are listed on the downloadable application

Personal Card - Preferred Points

Benefits

• Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net
• Rental car collision damage waiver protection
• Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Features

• No annual fee
• Low introductory rate for the first six months*
• Competitive ongoing APR*
• 25-day interest-free grace period on all purchases
• Cash advances can be made for up to 50% of the credit line
• To view or redeem points, visit www.mypreferredpoints.com or call 866-678-5191

Fees

• Other fees may be charged. These fees are listed on the downloadable application

To Apply Now

• Download the PDF of the application
• Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch offices.
• Fax your completed application to the Card Service Center at 972-650-7054.

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120

*Please see application for information about current APRs and fees.

Card lost or stolen?

Click here for important emergency contact information.