Deposit Account and Certificate of Deposit (CD) Rates
| Opening Deposit |
Balance Required |
Interest Rate |
Annual Percentage Yield |
|
|---|---|---|---|---|
| Regular Checking | ||||
| Essential Plus Checking ($1,000 or more) |
$50 |
$1,000 |
.10% |
.10% |
| Business Checking | ||||
| Business Interest Checking | $50 |
$1,500 | .10% | N/A |
|
Regular Savings
Business Savings
|
$50
$50
|
$0
$0
|
.25%
.25%
|
.25%
.25%
|
| OSB Kids Savings | $0 |
$0 |
.25% |
.25% |
| Insured Money Market | ||||
| Basic: Less than $2,500 | $50 |
$0 |
.20% |
.20% |
| Standard: $2,500-$24,999 | $50 | $2,500 | .30% | .30% |
| Premium: $25,000 or more | $50 |
$25,000 | .40% | .40% |
| Commercial Insured Money Market | ||||
| Less than $24,999 | $50 |
$0 |
.25% |
.25% |
| $25,000-$99,999 |
$50 | $25,000 | .75% | .75% |
| $100,000-$249,999 | $50 |
$100,000 | 1.50% | 1.51% |
| $250,000 or more | $50 | $250,000 | 2.00% | 2.02% |
- Rates are current as of 05/20/2019
- 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 Virtual Banking Center at 706.769.6611.
| Opening Deposit |
Balance Required |
Interest Rate |
Annual Percentage Yield |
|
|---|---|---|---|---|
| 3 Months | $500 | $500 |
.50% | .50% |
| 6 Months* | $500 |
$500 |
.80% | .80% |
| 12 Months* | $500 | $500 | 1.25% | 1.25% |
| 18 Months* | $500 |
$500 |
1.50% | 1.50% |
| 24 Months (Upgrade) (a)* | $500 | $500 | 1.65% | 1.65% |
| 24 Months (Fixed) | $500 |
$500 |
1.75% | 1.75% |
| 36 Months | $500 | $500 | 2.00% | 2.00% |
| 48 Months | $500 |
$500 |
2.15% | 2.15% |
| 60 Months | $500 | $500 | 2.30% | 2.30% |
- Rates are current as of 05/20/19
- 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.