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Oconee State Bank, Watkinsville, GA

Rates

Deposit Account and Certificate of Deposit (CD) Rates  


 Opening  
Deposit
 Interest  
Rate
Annual
Percentage
Yield

Regular Checking



Essential Plus Checking 
($1,000 or more)

$50

.10%


.10%


Business Checking



Performance Business Checking
 
Less than $10,000
$10,000 - $49,999
$50,000 - $99,999
$100,000 and up
 
 
 
$50
$50
$50
$50
 
 
.10%
.15%
.20%
.25%
 
 
.10%
.15%
.20%
.25%

Regular Savings
Business Savings
$50
$50
.25%
.25%
.25%
.25%

OSB Kids Savings $0
.25%
.25%

Insured Money Market



Basic: Less than $2,500 $50
.20%
.20%

Standard: $2,500-$24,999 $50 .30% .30%
Premium: $25,000 or more $50
.40% .40%
Commercial Insured Money Market



 Less than $24,999 $50
.25%
.25%

 $25,000-$99,999
$50 .75% .75%
$100,000-$249,999 $50
1.50% 1.51%
$250,000 or more $50 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.




 
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