Rates

Great Rates and Special Offers

From time to time, we offer CD and loan specials for our customers. These specials change frequently, so be sure to check often.

Master Rates current as of April 9, 2014.

Hide Gold Leaf Money Market Accounts

Daily Balance Rate % APY%
$100,000.00 and up 0.15% 0.15%

This rate is for new Gold Leaf Money Market Accounts only. There is a $100.00 minimum deposit required to open this account. In order to obtain the 0.15% Annual Percentage Yield (APY), you must maintain an average monthly balance of $100,000.00 This is a variable rate, tiered product and the rate may change after the account is opened. Interest will be paid on four tiers: 1) 0.05% APY on $0.01 to $9,999.99 2) 0.05% APY on $10,000.00 to $24,999.99 3) 0.10% APY on $25,000.00 to $99,999.99 4) 0.15% APY on $100,000.00 and up. Interest is compounded daily and paid monthly based on the account balance which results in a blended rate. Maintain a minimum monthly balance of $25,000.00 or a $15.00 monthly fee will be charged. The APY subject to change without notice.

Hide Regular CDs Rates Schedule

Term Minimum Balance Rate% APY%
30 Day $1000.00 0.05% 0.05%
90 Day $1000.00 0.05% 0.05%
180 Day $1000.00 0.10% 0.10%
270 Day $1000.00 0.15% 0.15%
1 Year $1000.00 0.15% 0.15%
3 Year $1000.00 0.30% 0.30%
5 Year $1000.00 0.65% 0.65%

30 Day Disclosure

90 Day Disclosure

180 Day Disclosure

270 Day Disclosure

1 Year Disclosure

3 Year Disclosure

5 Year Disclosure

Hide Oak Ridge CDs Rate Schedule

Term Minimum Balance Rate% APY%
30 Day $1000.00 0.05% 0.05%
90 Day $1000.00 0.05% 0.05%
180 Day $1000.00 0.10% 0.10%
270 Day $1000.00 0.16% 0.16%
1 Year $1000.00 0.16% 0.16%
3 Year $1000.00 0.30% 0.30%
5 Year $1000.00 0.65% 0.65%

30 Day Disclosure

90 Day Disclosure

180 Day Disclosure

270 Day Disclosure

1 Year Disclosure

3 Year Disclosure

5 Year Disclosure

Hide Statement Savings

Rate% APY%
0.01% 0.01%

A minimum daily balance of $300.00 or an average daily balance of $1,000.00 must be maintained to avoid a monthly service charge of $3.50. If you make more that 6 withdrawals per month, a service charge of $1.50 per withdrawal will be assessed.

Hide Personal Money Market

Daily Balance Rate% APY%
up to $9,999.99* 0.05% 0.05%
$10,000.00 - $24,999.99* 0.05% 0.05%
$25,000.00 - $49,999.99* 0.10% 0.10%
$50,000.00 - $74,999.99* 0.10% 0.10%
$75,000.00 and up ** 0.10% 0.10%

A minimum daily balance of $2,500 or an average daily balance of $5,000 must be maintained to avoid a monthly service charge of $12.00. Limited to six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions per month; $15.00 per transaction in excess. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Hide NOW Checking

Rate% APY%
0.01% 0.01%

A minimum daily balance of $1,000 or an average daily balance of $2,500 is required to avoid a monthly maintenance fee of $14.00. You will receive a monthly statement with check imaging; if you require return of your paper documents, an additional fee of $2.00 per month will be assessed. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Hide Interest-Bearing Commercial Checking

Rate% APY%
0.01% 0.01%

You will be charged a monthly maintenance fee of $15.00. In addition, you will be charged $0.20 per check, $0.75 per deposit, and $0.15 per item deposited. For sole proprietors only.

Hide Nonprofit - Interest Bearing Checking

Rate% APY%
0.01% 0.01%

E-Statements are provided at no cost. A $25.00 per month charge will be applied for paper statements. CD ROMs with statement information are available for $15.00 per month.

Hide Commercial/Nonprofit Money Market

Daily Balance Rate% APY%
up to $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.05% 0.05%
$25,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $74,999.99 0.10% 0.10%
$75,000.00 and up 0.10% 0.10%

A minimum daily balance of $2,500 or an average daily balance of $5,000 must be maintained to avoid a monthly service charge of $12.00. Limited to six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions per month; $15.00 per transaction in excess. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Hide Safety Net Savings

Rate% APY%
0.01% 0.01%

This account will earn an interest rate of 0.01% with an Annual Percentage Yield of 0.01%.  The minimum balance required to earn interest is $0.01.  Interest compounds on a daily basis, and is credited monthly.  Rates are subject to change.  The Safety Net Savings Account requires a $10.00 minimum to open the account.  A minimum daily balance of $10.00 must be maintained, or a fee of $3.50 will be applied monthly.  This account is limited to one withdrawal per calendar month, and there is a fee of $1.50 per withdrawal in excess.  Account holders are eligibile for the $100.00 bonus when the account achieves a balance of $1,000.00 or more.  The $1,000.00 balance must be maintained for 90 consecutive days in order to receive the bonus of $100.00.  The bonus of $100.00 can only be applied once to each account.  In order to receive the bonus, account holders must receive E-Statements.  There is a limit of one bonus per household.  This offer is limited to consumer accounts only.  This bonus is taxable, and a 1099 form will be issued.  This offer is subject to termination at anytime.


 

*Fees may reduce the earnings on the accounts shown above.

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