Skip Navigation Documents in Portable Document Format (.PDF) require Adobe Acrobat Reader 5.0 or higher to view. Download it now.

Oconee State Bank, Watkinsville, GA

Rates

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

.10%


.10%

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
.25%
.25%
.30%
.30%
.25%
.25%
.30%
.30%
Regular Savings
$50
.30%
.30%
Business Savings
$50
.30%
.30%
OSB Kids Savings $0
.20%
.20%
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
 0.75% 
1.00%
1.25% 1.70%
0.75%
1.00%
1.26%
1.71%
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
0.75%
1.10%
1.35%
1.80%
1.85%
0.75%
1.11%
1.36%
1.82%
1.87%
  • Rates are current as of 3/27/23
  • 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
1.00% N/A
6 Months* $500
$500
1.50% N/A
12 Months* $500 $500 2.00% 2.02%
18 Months* $500
$500
2.00% 2.01%
24 Months $500 $500 2.00% 2.01%
36 Months $500
$500
2.00% 2.01%
48 Months $500 $500 2.00% 2.01%
60 Months $500
$500
2.25% 2.27%

  • Rates are current as of 3/3/23
  • 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. 





Free Ride To The Top
of the page