Business Savings

Savings

Whether you’re saving for a large purchase for your business or other expenses, our Savings Account is just right.  An opening deposit of $100 gets you started.

  • Interest is calculated on an Average Daily Balance and credited to your account quarterly
  • No maintenance fee if you maintain a balance of $100 or if customer is under Age 18
  • Monthly fee of $3 for balances under $100
  • Over two (2) withdrawals per month - $1 each
  • Inactive accounts for 1 year and below $1,000 - Monthly charge $5.00
  • Quarterly statement

Preauthorized transfers are limited to 6 per month. Your account will be monitored for excess activity. If after notifying you, excess transactions continue, we may close the account, cease paying interest on the account, or remove the transfer and draft capabilities.


Money Management

The Money Management Account offers a competitive tiered interest rate.  The higher your balance, the higher rate of interest you earn.   An opening deposit of $100 is required for this account.  

  • Interest is calculated on an Average Daily Balance and credited to your account monthly
  • No maintenance fee if you maintain a balance of $2,500
  • Monthly fee of $8 if balance falls below $2,500
  • Six (6) withdrawals per month
  • $10 per transfer over 6 withdrawals per month
  • Monthly statement

Preauthorized transfers are limited to 6 per month. Your account will be monitored for excess activity. If after notifying you, excess transactions continue, we may close the account, cease paying interest on the account, or remove the transfer and draft capabilities.


Certificates of Deposit

Certificates of Deposit are a great way to get a better rate of return on your money. Bank of Cadiz & Trust Co. offers competitive rates on all terms of certificates from 3 months to 5 years. A minimum deposit of $500 is required on a term of one year or more and $2,500 for a term of less than one year. Monthly checks can be issued on certificates of $10,000 or more. A penalty is imposed if any part of the principal is withdrawn before the maturity date.



CDARS ® 
CDARS (Certificate of Deposit Account Registry Service®) is one of the safest and smartest investment vehicles for investors looking to protect their large-dollar investments.  

Please contact any of the following for current rates or to obtain information on any of the above accounts. You may contact us or call toll free 866.554.6066. 


Cadiz:
Andrea Esposito/Susan Holmes
Sarah Neighborgall
270.522.6066

Jennifer Knight
Yvonne Clayton 
270.522.0450 

Hopkinsville:
Pat Jenkins/Betty Winders
Katherine Latham
270.885.3211

Murray:
Ashley Burkeen
Lisa Shoemaker
270.759.4852

Small Business Loans

Contact us today for your next business loan. We keep the process simple and decisions are made local. 

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