Rates

Deposit Rates Effective as of December 6, 2022

Account Type: Balance Tier to Obtain APY APY Interest Rate Additional Information

Checking and Savings Accounts (Minimum Deposit to Open is $100)

Advantage Club for 50+
50+ Interest Checking
Super Now Account
$1,000.00 - $4,999.99
$5,000.00 - $19,999.99
$20,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000 and over
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%

Advantage Club 50+, 50+ Interest Checking, Super Now and Money Management Rates based on Monthly Compounding

Small Business Checking $5,000.00 0.05% 0.05%
Passbook Savings Account $100.00 - $999.99
$1,000.00 and over
0.05%
0.05%
0.05%
0.05%

Christmas Club Account $100.00 and over 0.05% 0.05% Minimum opening deposit $2

Personal and Business Money Management Accounts (Minimum Deposit to Open is $100)

Money Management Account $1,000.00 - $4,999.99
$5,000.00 - $19,999.99
$20,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 - $249,999.99
$250,000 and over
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%

Certificates of Deposit (Minimum Deposit to Open is $2,500)
IRA Accounts (Fixed Term) (Minimum Deposit to Open is $100)
Rates on Deposits of $100,000 given on request.


Term APY Interest Rate

Monthly checks can be issued on Certificates of Deposit $10,000 or more.

3 Months
6 Months
7 Months
9 Months
0.10%
0.20%
0.20%
0.20%
0.10%
0.20%
0.20%
0.20%

Certificates of Deposit (Minimum Deposit to Open is $500)
IRA Accounts (Fixed Term) (Minimum Deposit to Open is $100)


Term APY Interest Rate

Certificates and IRA rates based on quarterly compounding. These APYs do not take into account periodic withdrawals of interest.

12 Months
14 Months
18 Months
24 Months
36 Months
48 Months
60 Months
4.32%
0.20%
2.26%
0.30%
2.52%
0.40%
3.03%
4.25%
0.20%
2.25%
0.30%
2.50%
0.40%
3.00%


IRA Accounts (Variable Rate) (Minimum Deposit to Open is $100)


18 Months 2.26% 2.25%

Minimum Opening Deposit $100

Earnings Credit Allowance: 0.25%

The above rates are the posted rates for all branches of the Bank of Cadiz Trust Co. Rates are subject to change on any day. Request further information concerning the fees and terms applicable to each account.