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 August 2, 2010

Promotional CDs Rate Schedule


Term Minimum Balance Rate% APY%
$0.00 0.00% 0.00%

Regular CDs Rates Schedule


Term Minimum Balance Rate% APY%
30 Day $1000.00 0.20% 0.21%
90 Day $1000.00 0.25% 0.25%
180 Day $1000.00 0.35% 0.35%
270 Day $1000.00 0.50% 0.50%
1 Year $1000.00 0.75% 0.75%
3 Year $1000.00 1.50% 1.51%
5 Year $1000.00 2.00% 2.02%

Oak Ridge CDs Rate Schedule


Term Minimum Balance Rate% APY%
30 Day $1000.00 0.21% 0.21%
90 Day $1000.00 0.26% 0.26%
180 Day $1000.00 0.37% 0.37%
270 Day $1000.00 0.53% 0.53%
1 Year $1000.00 0.79% 0.79%
3 Year $1000.00 1.60% 1.61%
5 Year $1000.00 2.10% 2.12%

Statement Savings


Rate% APY% Fees
0.05 0.05% 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 4 withdrawals per month, a service charge of $1.50 per withdrawal will be assessed.

Personal Money Market


Daily Balance Rate% APY% Fees
up to $9,999.99 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. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.
$10,000.00 - $24,999.99 0.20% 0.20% 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. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.
$25,000.00 - $49,999.99 0.20% 0.20% 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. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.
$50,000.00 - $74,999.99 0.20% 0.20% 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. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.
$75,000.00 and up 0.25% 0.25% A minimum daily balance of $2,500 must be maintained to avoid a monthly service charge of $12.00. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.

NOW Checking


Rate% APY% Fees
0.05% 0.05% 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.

Interest-Bearing Commercial Checking


Rate% APY% Fees
0.05% 0.05% 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.

Nonprofit - Interest Bearing Checking


Rate% APY% Fees
0.05% 0.05% 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.

Commercial/Nonprofit Money Market


Daily Balance Rate% APY% Fees
up to $9,999.99 0.10% 0.10% A minimum daily balance of $2,500 must be maintained to avoid a monthly service charge of $12.00. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.
$50,000.00 - $74,999.99 0.20% 0.20% A minimum daily balance of $2,500 must be maintained to avoid a monthly service charge of $12.00. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.
$25,000.00 - $49,999.99 0.20% 0.20% A minimum daily balance of $2,500 must be maintained to avoid a monthly service charge of $12.00. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.
$10,000.00 - $24,999.99 0.20% 0.20% A minimum daily balance of $2,500 must be maintained to avoid a monthly service charge of $12.00. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.
$75,000.00 and up 0.25% 0.25% A minimum daily balance of $2,500 must be maintained to avoid a monthly service charge of $12.00. You are allowed six (6) transactions per month, or three (3) third-party checks per month; after that there will be a $15.00 charge for each transaction. 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.

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