Rates


BANK OF CADIZ & TRUST CO.
79 MAIN STREET, PO BOX 2020
CADIZ, KENTUCKY 42211
TELEPHONE (270) 522-6066
TOLL FREE (866) 554-6066
January 4, 2010


CERTIFICATES OF DEPOSIT
MINIMUM DEPOSIT $2,500
3 MONTHS
0.50 APY
0.50 INTEREST RATE
6 MONTHS
0.75 APY
0.75 INTEREST RATE
7 MONTHS*
1.26 APY
1.25 INTEREST RATE
9 MONTHS
1.00 APY
1.00 INTEREST RATE
Rates are subject to change on any day.
Rates on deposits of $100,000 given on request.
Monthly checks can be issued on $10,000 or more.
Subject to penalty for early withdrawal.
CD rates based on quarterly compounding.
These APY's do not take into account periodic withdrawals of interest.
APY=Annual Percentage Yield
The above rates are the posted rates for all branches of the Bank of Cadiz & Trust Co. for the Certificates of Deposit listed above.
*Available with customer relationship

 

CERTIFICATES OF DEPOSIT
MINIMUM DEPOSIT $500
12 MONTHS
1.00 APY
1.00 INTEREST RATE
14 MONTHS
1.21 APY
1.20 INTEREST RATE
18 MONTHS
1.31 APY
1.30 INTEREST RATE
24 MONTHS
1.46 APY
1.45 INTEREST RATE
36 MONTHS
1.76 APY
1.75 INTEREST RATE
48 MONTHS
2.01 APY
2.00 INTEREST RATE
60 MONTHS
2.27 APY
2.25 INTEREST RATE
Rates are subject to change on any day.
Rates on deposits of $100,000 given on request.
Monthly checks can be issued on $10,000 or more.
Subject to penalty for early withdrawal.
CD rates based on quarterly compounding.
These APY's do not take into account periodic withdrawals of interest.
APY=Annual Percentage Yield
The above rates are the posted rates for all branches of the Bank of Cadiz & Trust Co. for the Certificates of Deposit listed above.

 
PASSBOOK SAVINGS ACCOUNTS
MINIMUM BALANCE
$ 100.00 -- $ 999.99
0.10 APY
0.10 INTEREST RATE
$ 1,000.00 -- $ and up
0.10 APY
0.10 INTEREST RATE
Rates are subject to change on any day.
Passbook rates based on quarterly compounding.
These APY's do not take into account periodic withdrawals of interest.
Fees may reduce earnings on the account.
Rates may change after the account is opened.
APY=Annual Percentage Yield
The above rates are the posted rates for all branches of the Bank of Cadiz & Trust Co. for the accounts listed above.

MONEY MANAGEMENT ACCOUNTS
MINIMUM BALANCE
$ 1,000.00 -- $ 4,999.99
0.10 APY
0.10 INTEREST RATE
$ 5,000.00 -- $ 19,999.99
0.20 APY
0.20 INTEREST RATE
$ 20,000.00 -- $ 49,999.99
0.30 APY
0.30 INTEREST RATE
$ 50,000.00 -- $ 99,999.99
0.40 APY
0.40 INTEREST RATE
$ 100,000.00 -- $ 249,999.99
0.50 APY
0.50 INTEREST RATE
$ 250,000.00 AND UP
0.75 APY
0.75 INTEREST RATE
Rates are subject to change on any day.
Money Management rates based on monthly compounding.
Fees may reduce earnings on the account.
Rates may change after the account is opened.
APY=Annual Percentage Yield
The above rates are the posted rates for all branches of the Bank of Cadiz & Trust Co. for the accounts listed above.


FIRST CLUB PLUS ACCOUNTS
MINIMUM BALANCE
$ 1,000.00 -- $ 4,999.99
0.10 APY
0.10 INTEREST RATE
$ 5,000.00 -- $19,999.99
0.20 APY
0.20 INTEREST RATE
$20,000.00 -- $49,999.99
0.30 APY
0.30 INTEREST RATE
$50,000.00 -- $99,999.99
0.40 APY
0.40 INTEREST RATE
$100,000.00 AND UP
0.50 APY
0.50 INTEREST RATE
Rates are subject to change on any day.
First Club Plus rates based on monthly compounding.
Request further information from an employee concerning the terms applicable to each account.
APY=Annual Percentage Yield
The above rates are the posted rates for all branches of the Bank of Cadiz & Trust Co. for the accounts listed above.
SUPER NOW & NOW ACCOUNTS
MINIMUM BALANCE
$ 500.00 -- $ 4,999.99
0.10 APY
0.10 INTEREST RATE
$ 5,000.00 -- $ 19,999.99
0.20 APY
0.20 INTEREST RATE
$ 20,000.00 -- $ 49,999.99
0.30 APY
0.30 INTEREST RATE
$ 50,000.00 -- $ 99,999.99
0.40 APY
0.40 INTEREST RATE
$ 100,000.00 AND UP
0.50 APY
0.50 INTEREST RATE
Rates are subject to change on any day.
Super Now rates based on monthly compounding.
Fees may reduce earnings on the account.
Rates may change after the account is opened.
APY=Annual Percentage Yield
The above rates are the posted rates for all branches of the Bank of Cadiz & Trust Co. for the accounts listed above.
IRA ACCOUNTS (Variable Rate Term)
VARIABLE RATE 1.31 APY 1.30 INTEREST RATE
Rates are subject to change on any day.
All Variable Rate IRA's are based on 18 month term.
Subject to penalty for early withdrawal.
IRA rates based on quarterly compounding.
These APY's do not take into account periodic withdrawals of interest.
APY=Annual Percentage Yield
The above rates are the posted rates for all branches of the Bank of Cadiz & Trust Co. for the Certificates of Deposit listed above.


IRA ACCOUNTS (Fixed Term)
3 MONTH FIXED  0.50 APY  0.50 INTEREST RATE
6 MONTH FIXED
0.75 APY
0.75 INTEREST RATE
7 MONTH FIXED *
1.26 APY
1.25 INTEREST RATE
9 MONTH FIXED
1.00 APY
1.00 INTEREST RATE
12 MONTH FIXED
1.00 APY
1.00 INTEREST RATE
14 MONTH FIXED  1.21 APY  1.20 INTEREST RATE
18 MONTH FIXED
1.31 APY
1.30 INTEREST RATE
24 MONTH FIXED
1.46 APY
1.45 INTEREST RATE
36 MONTH FIXED
1.76 APY
1.75 INTEREST RATE
48 MONTH FIXED
2.01 APY
2.00 INTEREST RATE
60 MONTH FIXED
2.27 APY
2.25 INTEREST RATE
Rates are subject to change on any day.
Rates on deposits of $100,000 given on request.IRA rates Monthly checks can be issued on $10,000 or moreThese APY's do not take into account periodic withdrawals of interest.
Subject to penalty for early withdrawal.
CD rates based on quarterly compounding.
These APY's do not take into account periodic withdrawals of interest.
APY=Annual Percentage Yield
The above rates are the posted rates for all branches of the Bank of Cadiz & Trust Co. for the Certificates of Deposit listed above.
*Available with customer relationship


CHRISTMAS CLUB ACCOUNTS
$100 AND UP
0.25 APY
0.25 INTEREST RATE
APY=Annual Percentage Yield
The above rates are the posted rates for all branches of the Bank of Cadiz & Trust Co. for the accounts listed above.