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Savings, CDs & IRAs

e-Z Savings

Simplify your savings with our e-Z Savings Account. Open this online-only account with as little as $25 and watch your money grow with competitive rates and 24/7 account access.

Features
Rates

Effective Date: 11/18/2024

Savings (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
1.00%1.00%$25$25

*APY = Annual Percentage Yield.
These rates may change after the account is opened.  Fees may reduce earnings in these accounts.

e-Statements are required. No service charge if account balance remains above $25 during the quarterly statement period. $5 service charge is charged only if the balance falls below $25 during the quarterly statement period. You are allowed 6 withdrawals per quarter at no charge. There will be a fee of $5 for each thereafter. $0.30 fee will be charged for each item deposited in excess of 20. $25 is required to open the account. 

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Regular Savings

Our Regular Savings account offers convenient and secure access to your money. Maintain a minimum balance of $100 to obtain the APY and avoid the monthly service charge.

Features
  • Interest is calculated on the daily collected balance and added to the account at statement time
  • FREE Online Banking
  • FREE Mobile Banking
  • Statements without electronic items are mailed quarterly
  • You are allowed 6 withdrawals per quarter at no charge
  • FREE 24-Hour Telephone Banking (654-1516)
  • Optional e-Statements
  • Fees may reduce earnings on the account
  • Rates may change after the account is opened
Rates

Effective Date: 11/18/2024

Savings (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
1.00%1.00%$100$100

*APY = Annual Percentage Yield.
These rates may change after the account is opened.  Fees may reduce earnings in these accounts.

No service charge if account balance remains above $100 during the quarterly statement period. $5 service charge is charged only if the balance falls below $100 during the quarterly statement period. You are allowed 6 withdrawals per quarter at no charge. There will be a fee of $5 for each thereafter. $0.30 fee will be charged for each item deposited in excess of 20. $100 is required to open the account. 

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Christmas Savings

Save for the holidays or another special occasion with our Christmas Savings account. Beginning every October, you can open an account with as little as $100 and watch your money grow on this dividend bearing account. Then, after September 30th, we'll disburse your funds just in time for holiday shopping!

Features
  • Interest is calculated daily on the collected balance and added to the account on September 30th
  • Money may be automatically transferred from a Bank of Zachary account
  • Statements are mailed annually as of September 30th
  • Withdrawals in the form of cash or a check are allowed after the program ends on September 30th or we will transfer the balance into your checking account for you
  • Account number stays the same each year
  • Rates may change after this account is opened
Rates

Effective Date: 11/18/2024

Savings (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
1.00%1.00%$100$100

*APY = Annual Percentage Yield.
These rates may change after the account is opened.  Fees may reduce earnings in these accounts.

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Certificates of Deposit

Features
  • Competitive rates
  • $2,500 minimum balance to open and obtain APY
  • No monthly service charge
  • Terms from 30 days to 60 months
  • Automatic renewals
  • FDIC insured, up to the allowable limits
Rates

Effective Date: 11/18/2024

Certificates of Deposit (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
90 Days2.23%2.25%$2,500$2,500
6 Months4.30%4.35%$2,500$2,500
12 Months3.65%3.70%$2,500$2,500
18 Months3.36%3.40%$2,500$2,500
2 Years3.31%3.35%$2,500$2,500
3 Years2.87%2.90%$2,500$2,500
5 Years2.82%2.85%$2,500$2,500

*APY = Annual Percentage Yield.
Note: These rates may change at any time without prior notice. 
For CDs, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. 
These CDs automatically renew.

CD interest rates are fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. All CDs automatically renew at maturity. **The 5 Month CD automatically renews as a 6 Month Certificate of Deposit.

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Individual Retirement Accounts

Invest in the future with an Individual Retirement Account. We offer Traditional, Roth, and Coverdell Education Savings Accounts to help support your retirement and education planning needs.

Features
  • Competitive rates
  • $500 minimum balance to open and obtain APY*
  • No monthly service charge
  • Terms from 12 months to 60 months**
  • Automatic renewals
  • Classified as a Certificate of Deposit
  • FDIC insured, up to the allowable limits
Rates

Effective Date: 11/18/2024

IRA Rates (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
1 Year3.375%3.42%$500$500
1 Year Variable**3.375%3.42%$500$500
18 Months3.425%3.47%$500$500
2 Years3.525%3.57%$500$500
3 Years2.875%2.91%$500$500
4 Years2.975%3.01%$500$500
5 Years3.225%3.26%$500$500

*APY = Annual Percentage Yield.
** Variable IRA interest rate may change at any time after the account is opened.
Note: These rates may change at any time without prior notice.
For IRAs, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
These IRAs automatically renew.

*APY = Annual Percentage Yield.
** Variable IRA interest rate may change at any time after the account is opened. 
Note: These rates may change at any time without prior notice. 
For IRAs, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. 
These IRAs automatically renew.

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Checking

Our checking accounts offer free online banking, bill pay and eStatements, along with simple ways to waive monthly fees.

View Accounts about Checking