OUR RATES

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 The entire balance may be withdrawn and no interest will be paid on the account.

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			1.00%	1.00%

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			1.00%	1.00%

The APY (Annual Percentage Yield) is accurate as of 10/24/22. Fees could reduce earnings on the account. “Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding. “APY” 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.