OUR RATES

The Annual Percentage Yield is Accurate as of 07/13/20. “Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding. “APY” (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.

CD/IRA RATES

For CD/IRA rates please call our office at 334-335-3346.

SAVINGS

Account Type Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate APY
Savings $100.00 $0.01
Daily Balances of:
up to $24,999.99 0.25% 0.25%
$25,000.00-$49,999.99 0.25% 0.25%
$50,000.00 or more 0.30% 0.30%
3 Withdrawals per Quarter No Charge
More than 3 withdrawals in a quarter $7.50 per withdrawal
If average balance falls below $100 during the quarter $5.00

CHRISTMAS CLUB

Account Type Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate APY
Christmas Club $0.01 $0.01
0.25% 0.25%
No withdrawals are permitted from Christmas Club Accounts prior to the pay out date in November. The entire balance may be withdrawn and no interest will be paid on the account.

Effective 03/12/12. The Annual Percentage Yield is Accurate as of 03/12/12. “Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding.“APY” (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.

Money Market and Now Accounts

Account Type Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate APY
Money Market $2,500.00 $0.01
Daily Balances of:
up to $24,999.99 0.15% 0.15%
$25,000.00-$49,999.99 0.25% 0.25%
$50,000.00-$99,999.99 0.30% 0.30%
$100,000.00-$249,999.99 0.40% 0.40%
$250,000.00 and up 0.50% 0.50%
NOW Account $1,500.00 $0.01
Daily Balances of:
up to $2,499.99 0.10% 0.10%
$2,500.00-$24,999.99 0.15% 0.15%
$25,000.00-$49,999.99 0.25% 0.25%
$50,000.00-$99,999.99 0.30% 0.30%
$100,000.00 and up 0.50% 0.50%

Effective 07/13/20. The Annual Percentage Yield is Accurate as of 07/13/20. “Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding. “APY” (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.

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