Great Rates and Special Offers

Rates current as of February 1, 2018


Terms Minimum Balance Rate % APY %
Regular CDs 30 Day $1000 0.05% 0.05%

90 Day $1000 0.05% 0.05%

180 Day $1000 0.10%
0.10%

270 Day $1000 0.15%
0.15%

1 Year $1000 0.15%
0.15%

3 Year $1000 0.30%
0.30%

5 Year $1000 0.65%
0.65%
Oak Ridge CDs 30 Day $1000 0.05% 0.05%

90 Day $1000 0.05% 0.05%

180 Day $1000 0.10%
0.10%

270 Day $1000 0.16%
0.16%

1 Year $1000 0.16%
0.16%

3 Year $1000 0.32%
0.32%

5 Year $1000 0.68%
0.68%


 

 

 

 

 

 


Daily Balance

Rate%

APY%

Gold Leaf

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%


$100,000 +

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.

Personal

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.

Commercial/Nonprofit

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.




Daily Balance
Rate% APY %
NOW Checking $100 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.

Statement Savings $100 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.

Commercial Savings $100 0.01%
0.01%
Commercial Interest Checking $100 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.

Nonprofit Interest Checking
$100 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.

     

 
 
 
 
 
 
a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of the principal in the account each day.



Fees could reduce the earnings in the account.
Interest Rates and Annual Percentage Yields are current as of 11/1/2017.
For current rate information call (708) 660.1000.