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Oconee State Bank, Watkinsville, GA

Rates

Deposit Account and Certificate of Deposit (CD) Rates  

Opening
Deposit
Balance
Required
Interest
Rate
Annual Percentage
Yield
Regular Checking



VIP Free Interest Checking $50 $0
.05%
.05%
50+ Free Interest Checking $50 $0 .05% .05%
High Interest Checking
($0-1,499)
$50
$0
.10%
.10%
High Interest Checking
($1,500 or more)
$50 $1,500 .10% .10%
Business Interest Checking $50
$1,500 .10% .10%
Regular Savings $50 $0 .15% .15%
OSB Kids Savings $0
$0
.15%
.15%
Insured Money Market
Basic: Less than $2,500 $50
$0
.15%
.15%
Standard: $2,500-$24,999 $50 $2,500 .20% .20%
Premium: $25,000 or more $50
$25,000  .25%.25%

  • Rates are current as of 3/07/16
  • 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 our Personal Banking Center at 706.769.6611.


Opening
Deposit
Balance
Required
Interest
Rate
Annual Percentage
Yield
3 Months $500 $500
.15% .15%
6 Months* $500
$500
.20%.20%
12 Months* $500 $500 .40% .40%
18 Months* $500
$500
.45% .45%
24 Months (Upgrade) (a)* $500 $500 .45% .45%
24 Months (Fixed) $500
$500
.50% .50%
36 Months $500 $500 .70% .70%
48 Months $500
$500
.90% .90%
60 Months $500 $500 1.00% 1.00%




  • Rates are current as of 03/07/16
  • 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.





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