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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

.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. 





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