Deposit Rates

CONSUMER DEPOSIT INTEREST RATES

Rates effective as of September 15, 2023.

CDs & IRAs*

Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Balance to Obtain APY
Start Small CD - 6 months 0.35% 0.35% $25 $25
91 days 0.30% 0.30% $500 $500
182 days 0.35% 0.35% $500 $500
182 days (Promo) 4.30% 4.35% $10,000 $10,000
9 months 2.00% 2.01% $500 $500
1 year 0.40% 0.40% $500 $500
1 Year (Promo) 4.70% 4.76% $10,000 $10,000
15 month 0.43% 0.43% $500 $500
2 year 0.45% 0.45% $500 $500
3 year 0.50% 0.50% $500 $500
4 year 0.55% 0.55% $500 $500
5 year 0.60% 0.60% $500 $500
3-Year Options 0.47% 0.47% $1,000 $1,000
3 year 'options' (Promo) 3.72% 3.75% $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%
0.75%



0.15%
0.75%



$25,000.00



$0.01
$25,000.00
Feel Good Savings

$0-$99,999
$100,000 +



0.15%
2.62%



0.15%
2.65%



$100,000.00



$0.01
$100,000.00
Holiday Club Savings 0.80% 0.80% $20 $100
Property Tax Club Savings 0.80% 0.80% $20 $0.01
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%
1.54%


0.10%
0.75%
1.16%
1.55%
$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%
1.49%




0.00%
1.10%
1.50%
$10,000




$10,000
$35,000
Asset Builder

$0-$49,999
$50,000


0.10%
1.79%


0.10%
1.80%
$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%
2.72%
2.96%
3.20%
3.46%


0.15%
2.75%
3.00%
3.25%
3.52%
$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 9/15/2023. Interest rates are subject to change without notice. Fees may reduce earnings. Complete Interest Payments and Calculations information here.

Government regulations require that we make the following disclosures available to you when you open an account. You may print these disclosures for your files, if you wish. Refer to account disclosure for further details. Truth in Savings Disclosure

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.