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Personal Rates - Bank of Zachary
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Personal Rates

Checking Rates

Effective Date: 1/18/2025

Checking Rates Table
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
e-Z NOW0.45%0.45%$1,500$1,500
e-Z Money Market1.20%
2.15%
3.05%		1.21%
2.17%
3.09%		$1,500
$1,500
$1,500

$0 to $24,999.99 (Tier 1)
$25,000.00 to $99,999.99 (Tier 2)
$100,000.00 + (Tier 3)

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

Savings Rates

Effective Date: 1/18/2025

Savings (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
e-Z Savings1.00%1.00%$25$25
Regular Savings1.00%1.00%$100$100
Christmas Savings1.00%1.00%$100$100

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

CD Rates

Effective Date: 1/18/2025

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.

IRA Rates

Effective Date: 1/18/2025

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.

Checking

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

View Accounts about Checking