Deposit Rates
CONSUMER DEPOSIT INTEREST RATES
Rates effective as of December 20, 2024
CDs & IRAs*
| Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open | Minimum Balance to Obtain APY | |
|---|---|---|---|---|
| Start Small CD - 6 months | 1.35% | 1.35% | $25 | $25 |
| 91 days | 1.00% | 1.00% | $500 | $500 |
| 182 days | 2.50% | 2.50% | $500 | $500 |
| 182 days (Promo) | 3.85% | 3.85% | $10,000 | $10,000 |
| 9 month | 2.00% | 2.00% | $500 | $500 |
| 9 month (Promo) | 4.00% | 4.00% | $10,000 | $10,000 |
| 1 year | 2.24% | 2.25% | $500 | $500 |
| 1 Year (Promo) | 3.72% | 3.75% | $10,000 | $10,000 |
| 15 month | 1.42% | 1.43% | $500 | $500 |
| 2 year | 1.44% | 1.45% | $500 | $500 |
| 3 year | 1.49% | 1.50% | $500 | $500 |
| 4 year | 1.54% | 1.55% | $500 | $500 |
| 5 year | 1.59% | 1.60% | $500 | $500 |
| 3-Year Options | 1.46% | 1.47% | $1,000 | $1,000 |
| 3 year 'options' (Promo) | 3.47% | 3.50% | $1,000 | $1,000 |
A penalty may be imposed for early withdrawal from a CD or IRA CD. IRA accounts require $100 minimum opening deposit. You must maintain a minimum of $100 in the account each day to obtain the disclosed APY. Additional deposits are allowed on CD’s terms of 1 year or less with a minimum of $50 and an accumulated maximum of $250,000. You may not make withdrawals from your account until the maturity date.
The interest rate and annual percentage yield may change. At your discretion, you may change the interest rate on the account one time during the term of the CD based on the current One Community Bank Three Year Options CD rate at the time of the rate request. Additional deposits are allowed with a minimum of $500.00 and an accumulated maximum of $250,000.00.
The interest rate and annual percentage yield may change. At your discretion, you may change the interest rate on the account one time during the term of the CD based on the current One Community Bank Three Year Options CD rate at the time of the rate request. Additional deposits are allowed with a minimum of $500.00 and an accumulated maximum of $250,000.00.
Savings
| Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open | Minimum Balance to Obtain APY | |
|---|---|---|---|---|
| Statement Savings | 0.15% | 0.15% | $50 | $100 |
|
Good Neighbor Savings $0-$24,999.99 $25,000+ |
0.15% 3.26% |
0.15% 3.30% |
$25,000.00 |
$0.01 $25,000.00 |
|
Feel Good Savings $0-$99,999 $100,000 + |
0.15% 2.18% |
0.15% 2.20% |
$100,000.00 |
$0.01 $100,000.00 |
| Holiday Club Savings | 0.75% | 0.75% | $20 | $100 |
| Property Tax Club Savings | 1.25% | 1.25% | $20 | $100 |
|
Health Savings $0-$499.99 $500+ |
0.00% 0.20% |
0.00% 0.20% |
$0.00 $0.00 |
$0 $500 |
Money Market Accounts
| Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open | Minimum Balance to Obtain APY | |
|---|---|---|---|---|
|
Regular Money Market $0 - $2,499 $2,500-$9,999 $10,000-$49,999 $50,000+ |
0.10% 0.75% 1.15% 1.64% |
0.10% 0.75% 1.16% 1.65% |
$200 |
$0.01 $2,500 $10,000 $50,000 |
|
Money Market Plus $0-$9,999 $10,000-$34,999 $35,000+ |
0.00% 1.09% 1.59% |
0.00% 1.10% 1.60% |
$10,000 |
$10,000 $35,000 |
|
Asset Builder $0-$49,999 $50,000 |
0.10% 1.83% |
0.10% 1.85% |
$50,000 |
$0.01 $50,000 |
|
High Yield MMDA $0-$99,999.99 $100,000-$249,999.99 $250,000-$499,999.99 $500,000-$999,999.99 $1,000,000+ |
0.15% 2.18% 2.42% 2.67% 2.96% |
0.15% 2.20% 2.45% 2.70% 3.00% |
$100,000.00 |
$0.01 $100,000.00 $250,000.00 $500,000.00 $1,000,000.00 |
Checking Accounts
| Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open | Minimum Balance to Obtain APY | |
|---|---|---|---|---|
| Interest Checking | 0.10% | 0.10% | $200 | $0.01 |
| Senior Interest Checking | 0.10% | 0.10% | $200 | $0.01 |
| Mortgage Plus Checking | 0.10% | 0.10% | $200 | $0.01 |
Rates effective as of 12/20/2024. Interest rates are subject to change without notice. Fees may reduce earnings. Complete Interest Payments and Calculations information here.
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Customer Notice: To assist the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.