Deposit Account and Certificate of Deposit (CD) Rates
| Opening Deposit | Balance Required | Interest Rate | Annual Percentage Yield | |
|---|---|---|---|---|
| Regular Checking | ||||
| VIP Free Interest Checking | $50 | $0 | .05% | .05% |
| 50+ Free Interest Checking | $50 | $0 | .05% | .05% |
| High Interest Checking ($0-1,499) | $50 | $0 | .10% | .10% |
| High Interest Checking ($1,500 or more) | $50 | $1,500 | .10% | .10% |
| Business Interest Checking | $50 | $1,500 | .10% | .10% |
| Regular Savings | $50 | $0 | .15% | .15% |
| OSB Kids Savings | $0 | $0 | .15% | .15% |
| Insured Money Market | ||||
| Basic: Less than $2,500 | $50 | $0 | .15% | .15% |
| Standard: $2,500-$24,999 | $50 | $2,500 | .20% | .20% |
| Premium: $25,000 or more | $50 | $25,000 | .25% | .25% |
- Rates are current as of 3/07/16
- 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 Personal Banking Center at 706.769.6611.
| Opening Deposit | Balance Required | Interest Rate | Annual Percentage Yield | |
|---|---|---|---|---|
| 3 Months | $500 | $500 | .15% | .15% |
| 6 Months* | $500 | $500 | .20% | .20% |
| 12 Months* | $500 | $500 | .40% | .40% |
| 18 Months* | $500 | $500 | .45% | .45% |
| 24 Months (Upgrade) (a)* | $500 | $500 | .45% | .45% |
| 24 Months (Fixed) | $500 | $500 | .50% | .50% |
| 36 Months | $500 | $500 | .70% | .70% |
| 48 Months | $500 | $500 | .90% | .90% |
| 60 Months | $500 | $500 | 1.00% | 1.00% |
- Rates are current as of 03/07/16
- APY = Annual Percentage Yield. APY assumes interest remains on deposit until maturity.
- Penalties will be assessed for early withdrawal.
(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.