Deposit Account and Certificate of Deposit (CD) Rates
| Account Product Name | Opening Deposit |
Interest Rate |
Annual
Percentage
Yield |
| Regular Checking | |||
| Essential Plus Checking ($1,000 or more) |
$50 |
.01% |
.01% |
| Business Checking | |||
|
Performance Business Checking
up to $9,999.99
$10,000 - $49,999
$50,000 - $99,999
$100,000 and up
|
$50
$50
$50
$50
|
.01%
.01%
.01%
.01%
|
.01%
.01%
.01%
.01%
|
|
Regular Savings
|
$50
|
.10%
|
.10%
|
|
Business Savings
|
$50
|
.10%
|
.10%
|
| OSB Kids Savings | $0 |
.05% |
.05% |
| Consumer Insured Money Market | |||
| up to $49,999.99 $50,000.00-249,999.99 $250,000.00-499,999.99 $500,000.00 and up |
$50 |
0.15%
0.55% 0.65% 0.75%
|
0.15%
0.55% 0.65% 0.75%
|
| Commercial Insured Money Market | |||
| up to $49,999.99 $50,000.00-249,999.99 $250,000.00-499,999.99 $500,000.00-999,999.99 $1,000,000.00 and up |
$50 |
0.15%
0.65%
0.75% 0.80%
0.85% |
0.15%
0.65%
0.75% 0.80%
0.85% |
- Rates are current as of 11/29/22
- 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 (a) |
Annual
Percentage
Yield (b) |
|
|---|---|---|---|---|
| 3 Months | $500 | $500 |
.25% | N/A |
| 6 Months* | $500 |
$500 |
.50% | N/A |
| 12 Months* | $500 | $500 | .85% | .85% |
| 18 Months* | $500 |
$500 |
.95% | .95% |
| 24 Months | $500 | $500 | 1.00% | 1.00% |
| 36 Months | $500 |
$500 |
1.10% | 1.10% |
| 48 Months | $500 | $500 | 1.15% | 1.16% |
| 60 Months | $500 |
$500 |
1.20% | 1.21% |
- Rates are current as of 11/29/22
- 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.
Rates are subject to change without notice.
(a) Non-capitalized applies to monthly interest checks or deposits to other accounts
(b) Capitalized is interest credited quarterly to the Certificates of Deposit.