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Oconee State Bank, Watkinsville, GA

Certificates of Deposit

man on computerCertificates of Deposit

A Certificate of Deposit is a safe and secure way to earn higher interest returns on your deposits. 

  • Only $500 opening deposit
  • Competitive Interest Rates
  • The following terms are currently available: 3 month, 6 month, 12 month, 18 month, 24 month, 24 month upgradable, 36 month, 48 month, and 60 month
  • Rates are guaranteed for the term of the Certificate
  • Interest can be compounded, deposited, or sent to you by check 

(Click here to see our competitive interest rates for each term)


In order to open a new account and establish and protect your identity, we will ask for some personal identifying information. We know your time is valuable, so please bring this information with you when you come. Please allow at least 30 minutes to establish your relationship at any of our convenient Oconee State Bank locations.

-Social Security or taxpayer ID number
-Unexpired Government issued ID or driver's license, military ID, or passport
-Proof of physical address, date of birth, phone number(s), and email address 

*Please visit our information page to see hours for our Personal Banking Center 

Additional products or services available:

  • Personal Checking
  • Kids Club Savings Accounts
  • Personal Savings or Money Market
  • Individual Retirement Accounts (IRA)
  • Mortgage Loans 1
  • Consumer Loan products such as Home Equity Lines of Credit or Vehicle Loans 1
  • Credit Cards 1
  • Safe Deposit Boxes 2
  • Mobile Advantage
  • Mobile Deposit 3
  • Voice Advantage
  • Financial Services
  • Card Advantage
  • Business Accounts and Services

Subject to application and credit approval

Safe Deposit Boxes are not FDIC Insured

A valid checking or savings account opened for 30+ days and active online banking credentials are required

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