Deposit Account and Certificate of Deposit (CD) Rates
| Opening Deposit |
Interest Rate |
Annual
Percentage
Yield |
||
|---|---|---|---|---|
| Regular Checking | ||||
| Essential Plus Checking ($1,000 or more) |
$50 |
.05% |
.05% |
|
| Business Checking | ||||
|
Performance Business Checking
Less than $10,000
$10,000 - $49,999
$50,000 - $99,999
$100,000 and up
|
$50
$50
$50
$50
|
.05%
.10%
.15%
.20%
|
.05%
.10%
.15%
.20%
|
|
|
Regular Savings
Business Savings
|
$50
$50
|
.10%
.10%
|
.10%
.10%
|
|
| OSB Kids Savings | $0 |
.10% |
.10% |
|
| Insured Money Market | ||||
| Basic: Less than $2,500 | $50 |
.10% |
.10% |
|
| Standard: $2,500-$24,999 | $50 | .15% | .15% | |
| Premium: $25,000 or more | $50 |
.20% | .20% | |
| Commercial Insured Money Market | ||||
| up to $24,999.99 | $50 |
.10% |
.10% |
|
| $25,000.00-$99,999.99 |
$50 | .20% | .20% | |
| $100,000.00-$249,999.99 | $50 |
.25% | .25% | |
| $250,000.00 and up | $50 | .40% | .40% |
- Rates are current as of 10/14/2020
- APY = Annual Percentage Yield
- All rates are variable
- Fees could reduce earnings on these accounts.
- Other terms and conditions may apply. These rates are for informational purposes only.
- For rates on discontinued accounts not shown above, please contact a Personal Banker at 706.769.6611.
| Opening Deposit |
Balance Required |
Interest Rate |
Annual Percentage Yield |
|
|---|---|---|---|---|
| 3 Months | $500 | $500 |
.10% | .10% |
| 6 Months* | $500 |
$500 |
.25% | .25% |
| 12 Months* | $500 | $500 | .50% | .50% |
| 18 Months* | $500 |
$500 |
.50% | .50% |
| 24 Months (Upgrade) (a)* | $500 | $500 | .50% | .50% |
| 24 Months (Fixed) | $500 |
$500 |
.55% | .55% |
| 36 Months | $500 | $500 | .55% | .55% |
| 48 Months | $500 |
$500 |
.55% | .55% |
| 60 Months | $500 | $500 | .75% | .75% |
- Rates are current as of 12/28/20
- APY = Annual Percentage Yield. APY assumes interest remains on deposit until maturity.
- Penalties will be assessed for early withdrawal.
* Denotes terms available for IRA deposits.
(a) UPGRADE OPTION ON CDs: The interest rate may be upgraded one time during the life of these certificates to the quoted rate for a fixed-rate certificate of the same term at the time of the upgrade.
Rates are subject to change without notice.