Deposit Rates Effective as of December 6, 2022
Account Type: | Balance Tier to Obtain APY | APY | Interest Rate | Additional Information |
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Checking and Savings Accounts (Minimum Deposit to Open is $100) |
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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% |
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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) |
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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% |
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Certificates of Deposit (Minimum Deposit to Open is $2,500)
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Term | APY | Interest Rate |
Monthly checks can be issued on Certificates of Deposit $10,000 or more. |
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3 Months 6 Months 7 Months 9 Months |
0.10% 0.20% 0.20% 0.20% |
0.10% 0.20% 0.20% 0.20% |
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Certificates of Deposit (Minimum Deposit to Open is $500)
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Term | APY | Interest Rate |
Certificates and IRA rates based on quarterly compounding. These APYs do not take into account periodic withdrawals of interest. |
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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% |
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IRA Accounts (Variable Rate) (Minimum Deposit to Open is $100) |
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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.