Rates

Money Market
4.10% APY *Annual Percentage Yields (APY) are accurate as of 8.1.2026 and subject to change without notice. Balances $1,000.00 to $99,999.99 earns 4.02 % resulting in a blended APY of 0.00% to 4.06%; $100,000.00 to $249,999.99 earns 2.08% on the portion over $100,000.00, resulting in a blended APY ranging from 4.06% to 2.88%; $250,000.00 to $499,999.99 earns 2.18% on the portion over $250,000.00, resulting in a blended APY ranging from 2.88% to 2.54%; $500,000.00 to $999,999.99 earns 2.57% on the portion over $500,000.00, resulting in a blended APY ranging from 2.54% to 2.57%; $1,000,000.00 and above earns 2.76% on the portion over $1,000,000.00, resulting in a blended APY ranging from 2.57% to 2.80%. New Money only. Available for Personal and Business Accounts when opened with a personal Max checking account. $1,000.00 minimum to open and obtain interest. No Brokered Deposits. Fees may reduce account earnings if minimum balance is not maintained. New personal Max Checking accounts are required.

Max Checking
Monthly Qualification: At least 1 ACH payment or credit transaction, 12 debit card purchases & be enrolled in e-statements. Fees may reduce earnings. $50 minimum deposit is required to open an account. Call an FLB Associate for complete details, requirements, and qualifications. MEMBER FDIC

6 Month Certificate of Deposit Special
4.20% *Annual Percentage Yield (APY) is accurate as of 8.1.2026 and subject to change prior to account opening without notice. $2,500.00 required to open and obtain interest. No brokered deposits. A penalty may be imposed for early withdrawal. APY assumes principal and interest remain on deposit for the term of the certificate. 

Max Cash Qualification Information: This is a variable rate account. The interest rate and annual percentage yield may change. The interest rate is determined at our discretion, and we may change the interest rate on your account at any time, without any limitations, and without notice to you.

When your Max Cash account qualifications are met during a Monthly Qualification Cycle daily balances up to and including $24,999.99 in your Max Cash account earn an interest rate of 4.97% resulting in an APY* of 5.10%; and daily balances over $24,999.99 earn an interest rate of 0.50% on the portion of the daily balance over $24,999.99, resulting in a range of 5.10% to 1.42% APY* depending on the accounts daily balance.

When Max Cash qualifications are not met during a Monthly Qualification Cycle, the interest rate earned on the entire daily balance in the account will be 0.05% resulting in a non-compounding APY* of 0.05%;

You will also receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your Max Cash account during that Monthly Qualification Cycle.

We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Max Cash, and Max Cash Back transactions via ATM.

When your Max Cash account qualifications are not met, ATM withdrawal fees are not refunded.

Nationwide ATM withdrawal fee reimbursements will be credited to your Max Cash account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Online banking service MyBanker™ included. MyE-Docs™ electronic statements included. An overdraft fee applies to overdrafts created by check, in person withdrawals and electronic means. Inadvertent overdrafts caused by ATM and one time debit card transactions are excluded.

Reward and Rate Information: When your Max Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances below $25,000 in your Max Cash account earn an interest rate of 4.97%, resulting in an APY of 5.10%; and average daily balances of $25,000.00 and above earn an interest rate of 0.50% on the portion of the average daily balance over $24,999.99, resulting in a range from 5.10% to 1.42% APY depending on the account's average daily balance. You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Max Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Max Cash transactions via ATM; Max Saver ATM transaction fees are not reimbursed nor refunded.

When your Max Cash qualifications are not met, the interest rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Max Cash account on the following statement cycle's first processing/business day. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 12/1/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. One (1) Max Cash account per household. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact an FLB Associate for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

Max Saver Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle. See myfirstlonestar.com or call an FLB Associate for specific Monthly Qualification Cycle dates.

Reward and Rate Information: This is a variable rate account. The interest rate and annual percentage yield may change. The interest rate is determined at our discretion, and we may change the interest rate on your account at any time, without any limitations, and without notice to you.

When your linked Max Checking account qualifications are met during a Monthly Qualification Cycle, daily balances below $100,000.00 in your linked Max Saver account earn an interest rate of 1.98% resulting in an APY** of 2.00%; and daily balances of $100,000.00 and above earn an interest rate of 0.50% on the portion of the daily balance over $99,999.99, resulting in a range from 2.00% to 1.25% APY** depending on the account's average daily balance. When your linked Max checking account qualifications are not met, the entire daily balance in the Max Saver account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05% APY**. Interest will be credited to your Max Saver account on the first processing/business day of the following statement cycle. APY* = Annual Percentage Yield. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Online banking service MyBanker™ included. MyE-Docs™ electronic statements included. An overdraft fee applies to overdrafts created by check, in person withdrawals and electronic means. Inadvertent overdrafts caused by ATM and one time debit card transactions are excluded.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account.  A Max Cash Back or a Max Cash account is required to have a Max Saver account. A linked Max Saver account is required for automatic savings. One (1) Max Cash account per household. One (1) Max checking account per household. One (1) Max Cash Back per social security number. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact an FLB Associate for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

*Annual Percentage Yield (APY) is subject to change without notice. A $2,500.00 minimum deposit balance is required to open an account and obtain APY. Substantial penalty for early withdrawal. APY assumes the principal and balance remain on deposit for the certificate term.

The minimum balance to open an account is $1,000.00.

Interest Rates are subject to change. Subject to fees, which may reduce earnings on the account.

The minimum deposit to open an account is $50.

Interest Rates are subject to change. Subject to fees, which may reduce earnings on the account.

The minimum deposit to open an account is $50.

Interest Rates are subject to change.