brella safeguard your debit card, enjoy fingerprint access for easy login, find nearby atms, receive alerts when your debit card is used, submit travel notices, see account balances without logging in download brella from your device's app store today

 

brella logoBrella helps you protect your debit card by sending you alerts when your card is used so you can quickly detect unauthorized or fraudulent activity on your account. Users have the option to receive alerts via text or email. You can also check your account balance anytime, turn your card off and on, send money to other Brella users and find nearby ATMs.

Alerts are provided for:

  • Purchases exceeding thresholds as defined by you
  • Card-not-present purchases
  • Suspicious or high-risk transactions

With this app, you have the ability to define when, where and how your debit card can be used.

Users can set blocks for:

  • Transactions exceeding a specific dollar amount
  • Internet and phone transactions
  • Transactions conducted outside of the U.S.

Turn your debit card on / off:

This control can be used to disable a lost or stolen card, prevent fraudulent activity and control spending.

Standard internet service and text messaging rates may apply. Check with your mobile provider for details.

Bank of Cadiz & Trust Co. offers convenient access to its ATM machines located at all locations as well as additional services at our off premise locations. Our automated teller card provides customers with 24-hour access to the VISA and MasterCard networks worldwide.

Visa® Chip Debit Cards give you convenient, easy and secure access to your account.

  • Use anywhere Visa®  debit is accepted – millions of locations worldwide
  • Use at ATMs, 24 hours a day, 7 days a week
  • Use for purchases and simply present your Visa® Debit Card to the retailer
  • Funds come directly out of your checking account
  • Track purchases in Online Banking
  • Convenient payment method for monthly bills
  • No monthly service fee for debit card purchases
  • Zero Liability¹ for unauthorized purchases

Instant Issue Chip Debit Cards Are Here!

  • Get your Visa® Chip Debit Card instantly!
  • No more waiting for your card to arrive in the mail.
  • Replace a lost, stolen or damage card quickly.
  • Get a card for your new Bank of Cadiz account immediately and have quicker access to your funds.
  • Chip Cards are payment cards that have an embedded chip for security.
  • Chip card transactions offer you advanced security by making every transaction unique. Plus, your chip card is more difficult to counterfeit or copy.
  • Use your chip card at the ATM but if prompted, re-insert your card and leave it in the ATM until your transaction is complete.
  • For more information about chip cards visit gochip.com and visachip.com.

Contact one of our Customer Service Representatives today to get your new card.

¹ Customer must notify Bank of Cadiz & Trust Co. within 60 days of receiving statement with unauthorized activity. A $10.00 fee will be charged for a new debit chip card and replacing a lost, stolen or damaged card.

Please be aware of “vishing” attacks on your debit card. Bank of Cadiz & Trust Co. will not call you with a pre-recorded, automated phone call to “reactivate” your debit card requesting that you enter information. These calls are fraudulent and are not authorized by Bank of Cadiz or SHAZAM, our debit card service provider. If you receive such a call, please hang up immediately and contact one of our customer service representatives.

To report a lost or stolen Debit/ATM card after regular business hours, please call 800.383.8000.

If your debit card is lost or stolen contact us immediately at any of our locations and after regular business hours, please call 800.383.8000.

For more information about protecting your debit card visit the SHAZAM Bolt$ webpage about the benefits of using this app. If your identity has been stolen visit our Identity Theft webpage for tips and a comprehensive guide on what to do if you are a victim.

MasterCard® Reloadable Cards

Bank of cadiz reloadable card

Reloadable cards are a great way to manage and control spending.

  • Available at minimal cost ¹
  • No monthly maintenance fees with a direct deposit
  • Can be used anywhere Debit MasterCard is accepted including internationally
  • Convenient and adds security for internet purchases
  • Reloadable for the life of the card
  • Will receive a personalized card after first reload
  • Minimum age to purchase is 18
  • Load values range from $20 – $3,000

¹ Purchase fee is $4.50. Refer to terms and conditions for applicable fees. MasterCard reloadable cards are issued by MetaBank ® . Member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.

Quicken/QuickBooks Web Connect

Our online banking offers Web Connect to download account information into Quicken® and QuickBooks®, the easiest way to organize your personal finances.

  • No manual entry – Once you are setup, you can download all your transactions right into Quicken® and QuickBooks® – instead of typing them by hand.
  • Automatically reconcile data – Web Connect data includes complete transaction and balance information to make categorization and account reconciliation easy.
  • No duplicate transactions – Web Connect incorporates a special transaction-matching algorithm that prevents the download of duplicate transactions.
  • Easier to use – Web Connect files may be automatically opened by Quicken® and/or QuickBooks®, directly from our online banking site which eliminates the need for you to search for files that have been downloaded.
  • Automatic account setup – Simply initiate a download to Quicken® and/or QuickBooks®, from our online banking site. Quicken® or QuickBooks® sets up your accounts for you – with your data already up to date.

What you need to get started
First you will need a Customer ID and Password. With Web Connect, your Customer ID and Password are the same that you use to login to our online banking site.

For assistance, please see the Quicken®/QuickBooks® Getting Started Guide. Getting Started Guides are available on fi.intuit.com.

Quicken® and QuickBooks® are registered trademarks of Intuit Inc. 

Safe Deposit Boxes

Some of your most valuable possessions simply cannot be replaced, no matter how you insure them. Bank of Cadiz & Trust Co. Safe Deposit Boxes provide for exceptional security and protection for your important papers and possessions.¹ Safe Deposit Boxes are available (subject to availability) at most of our convenient banking locations.² Stop by one of our locations to find out what box options are available.
Box Sizes

  • 2×5
  • 3×5
  • 5×5
  • 3×10
  • 5×10
  • 9×10

¹Safe Deposit Boxes are not FDIC insured. ² The office on Lakota Drive in Cadiz has self-service storage boxes.


Telephone Banking 24/7

270.522.0399

Telephone Banking gives you immediate access to the information you need most often, 24/7 from any phone. With telephone banking you can quickly and easily:

  • Verify your account balances
  • Verify deposits & electronic transactions
  • Verify checks cleared
  • Transfer funds from one account to another
  • Check current interest rates
  • Verify loan balances and payments
  • And much more

Change of Address?

Log into Online Banking or contact us at any of our locations to update your address.


Wire Transfer Service

Easily transfer money to and from different financial institutions. Bank of Cadiz & Trust Co. has the ability to wire and receive available funds for you anywhere in the world. To initiate a wire transfer, contact a customer service representative at any our locations or our bookkeeping department at 888-314-8044.

Learn More


Other Services:

  • Direct Deposit Service
  • Night Depository Service
  • Overdraft Protection
  • Notary Service
  • Reorder Checks
  • Stop Payments

You can transfer funds between your Bank of Cadiz accounts and your accounts at other financial institutions with our External Transfer Service. In order to use this service you must be enrolled in our Online Banking.

Bank of Cadiz & Trust Co. External Transfer Fees, Limits and Cut-off Time:

Standard Transfer Process – 4 business days (example: Start process on a Monday and funds will be credited to the receiving account on Thursday)

Transfer Limits:

$2,500 per day To/From non-Bank of Cadiz accounts – $3.00 per transfer and $.50 per transaction account request fee¹

External Transfer Cut-Off Time: 3:00pm CST

If you have additional questions regarding external transfers, please contact one of our Customer Service Representatives.

¹In order to validate your external account request two (2) small deposits (and a single withdrawal of these deposits) will be submitted for posting at the financial institution identified. After processing of these transactions you will be required to validate the amounts of the deposits that posted to the requested external account. Each request will be a charge of $.50 per transaction account. This is a one-time fee for each account you setup as long as it is verified before the request expires within a two (2) week period.

Bank of Cadiz & Trust Co. makes it easy to order checks online or by phone. You can also change the style of your checks or order checkbook covers, labels, accessories or stamps for adding endorsements or addresses. You also may contact us at any of our locations to place a check order or if your address has changed since your last check reorder.

You can reorder your personal checks by clicking on the Reorder Checks button below. If you are a business customer checks cannot be ordered online at this time. To help you place a personal check order, see the Checkbook Order Form from your previous checkbook order to find the:

  • Routing/transit number
  • Account number
  • Next order starting number
An image of a check with the first set of numbers in the bottom left corner saying the routing and transit number are denonted by nine digits and surrounded by a line and two dots, the next set of numbers is the check number, and the third set is the checking account number. it also states in some cases the order of the checking account number and the check number is reversed.

Reorder Checks

Protecting your Identity

We recommend that you do not print your Social Security Number, driver’s license number, other unnecessary personal information on your checks. Merchants should request and verify your identifying information when they accept the check from you.

Home Financing

Select your financial calculator below to begin.

One or more of the fields is not filled out.

The date you have entered is invalid!

The amount of time is too large to compute!

The amount is too large to compute!

Percentages cannot exceed 100

How long you plan to keep the property must be less than or equal to the new loan term

Your down payment exceeds the home price

Refinancing Calculator

Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.

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Existing Loan

Existing Loan Original Loan Amount
Existing Loan Original Mortgage Length
Existing Loan Date of Loan
Existing Loan Current Interest Rate

New Loan

Existing Loan Amount you wish to cash out upon refinance
Existing Loan New Interest Rate
Existing Loan Points
Existing Loan Fees and Closing Costs
Existing Loan New loan term

Other Information

Existing Loan How long will you keep this property

Fixed Rate Mortgage Calculator

Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.

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Loan Information

Fixed Rate Mortgage Home Price
Fixed Rate Mortgage Down Payment
Fixed Rate Mortgage Loan Term
Fixed Rate Mortgage Interest Rate
Fixed Rate Mortgage Payment Frequency

Adjustable Rate Mortgage Payments Calculator

Calculates the payments and interest on your adjustable rate mortgage.

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Loan Information

Adjustable Rate Mortgage Home Price
Adjustable Rate Mortgage Loan Down Payment
Adjustable Rate Mortgage Loan Term
Adjustable Rate Mortgage Beginning Interest Rate
Adjustable Rate Mortgage Rate Cap (Life Rate Cap)
Adjustable Rate Mortgage Maximum First Interval Rate Increase
Adjustable Rate Mortgage Maximum Subsequent Interval Rate Increase
Adjustable Rate Mortgage Months Before First Rate Increase
Adjustable Rate Mortgage Months Between Subsequent Rate Increases

Balloon Mortgage Payment Calculator

A balloon mortgage consists of paying smaller amounts at first, and then paying the a large portion of the mortgage at one time. This will show you the amount needed for a mortgage with a balloon payment.

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Balloon Mortgage Home Price
Balloon Mortgage Down Payment Amount
Balloon Mortgage Amortized Over
Balloon Mortgage Current Interest Rate
Balloon Mortgage Balloon Payment After

Rent or Buy Decision Calculator

Buying a home is a huge life decision. The rent or buy calculator compares the cost of renting or buying given a certain time period

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Rent Information


Rent Information Monthly Rent
Rent Information Monthly Renter's Insurance
Rent Information How Much Will Rent Increase Each Year?

Purchase Information


Purchase Information Home Price
Purchase Information Down Payment
Purchase Information Interest Rate
Purchase Information Loan Term
Purchase Information Points (%)
Purchase Information Closing Cost for Buying ($)

Home Information


Purchase Information Annual Property Taxes
Purchase Information Average Monthly Maintenance ($)
Purchase Information Monthly Homeowner's Insurance ($)
Purchase Information How Much Will Your Home Appreciate each Year?
Purchase Information Other Monthly Costs (Association dues, etc...)

Personal Information


Purchase Information State and Federal Tax Rate (%)
Purchase Information Investment Rate of Return (or Bank Account Savings Rate %)
Purchase Information How Long Will You Stay at this Property?

Sale Information


Purchase Information Real Esatate Agent Commission
Purchase Information Closing Cost for Selling ($)

Mortgage Comparison Calculator

The mortgage comparison calculator gives you financial statistics on different types of loans.

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Loan Information

Mortgage Comparison Loan ID 1
Mortgage Comparison Loan ID 2
Mortgage Comparison Loan ID 3
Mortgage Comparison Down Payment 1
Mortgage Comparison Down Payment 2
Mortgage Comparison Down Payment 3
Mortgage Comparison Loan Term 1
Mortgage Comparison Loan Term 2
Mortgage Comparison Loan Term 3
Mortgage Comparison Interest Rate 1
Mortgage Comparison Interest Rate 2
Mortgage Comparison Interest Rate 3
Mortgage Comparison Points 1
Mortgage Comparison Points 2
Mortgage Comparison Points 3
Mortgage Comparison Other Fees 1
Mortgage Comparison Other Fees 2
Mortgage Comparison Other Fees 3
Mortgage Comparison Loan Type 1
Mortgage Comparison Loan Type 2
Mortgage Comparison Loan Type 3
Mortgage Comparison Adjustable Type 1
Mortgage Comparison Adjustable Type 2
Mortgage Comparison Adjustable Type 3
Mortgage Comparison Maximum Initial Rate Adjustment 1
Mortgage Comparison Maximum Initial Rate Adjustment 2
Mortgage Comparison Maximum Initial Rate Adjustment 3
Mortgage Comparison Maximum Subsequent Rate Adjustment 1
Mortgage Comparison Maximum Subsequent Rate Adjustment 2
Mortgage Comparison Maximum Subsequent Rate Adjustment 3
Mortgage Comparison Anticipated Rate Cap 1
Mortgage Comparison Anticipated Rate Cap 2
Mortgage Comparison Anticipated Rate Cap 3

All Loans

Mortgage Comparison Home Price
Mortgage Comparison Your Income Tax Rate
Mortgage Comparison How Long Will You Stay in this House(Years)?

Payment Plans

You can save a lot of money if you increase your monthly mortgage payment in order to pay it off faster. Find out how much you could save over the life of your loan.

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Loan Information

Payments Plans Original Loan Amount
Payments Plans Original Mortgage Length
Payments Plans Date of Loan
Payments Plans Current Interest Rate
Payments Plans Date of First Extra Payment
Payments Plans Additional Payment Amount and Payment Type

Mortgage Qualification

Estimates a loan amount that you could qualify for.

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Income


Mortgage Qualification Combined Gross Annual Income

Monthly Expenses


Mortgage Qualification Minimum Monthly Credit Card Payments
Mortgage Qualification Car Payments
Mortgage Qualification Other Fixed Monthly Debt Expenses

Loan Information


Mortgage Qualification Down Payment
Mortgage Qualification Interest Rate
Mortgage Qualification New Loan Term

Payment Information


Mortgage Qualification Monthly Insurance and Other Costs
Mortgage Qualification Monthly Association Dues (If Any)
Mortgage Qualification Annual Property Tax

Home Affordability

Computes the most expensive house you can buy.

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Monthly Payment Information

Home Affordability Highest Payment You can Afford (Include all Taxes, Fees, Dues, Insurance, etc...)

Payment Breakdown


Home Affordability Monthly Insurance and Other Costs
Home Affordability Annual Property Tax
Home Affordability Monthly Associations Dues (If Any)

Loan Information


Home Affordability Down Payment
Home Affordability Loan Term
Home Affordability Interest Rate

Personal Information


Home Affordability Combined State and Federal Tax Rate

Loan Consolidation

Factors in the costs and benefits of consolidating your debts to determine whats the financially best way to pay them off.

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Loans

Add Row Remove Row
Loan Balance 0
Loan Payment 0
Loan Interest Rate 0

Credit Cards

Add Row Remove Row
Credit Card Remaining Amount 0
Credit Card Rate 0

Consolidated Loan

Consolidated Loan Interest Rate:
Consolidated Loan Term:
Consolidated Loan Fees:
Consolidated Loan Points(%):
Consolidated Loan Savings Rate(%)):
Consolidated Loan Invest(%):
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

Personal Financing

Select your financial calculator below to begin.

One or more of the fields is not filled out.

The date you have entered is invalid!

The amount of time is too large to compute!

The amount is too large to compute!

Percentages cannot exceed 100

How long you plan to keep the property must be less than or equal to the new loan term

Your down payment exceeds the home price

Car Affordability

Calculates the most expensive car you can afford.

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Financial Information

Car Affordability Highest Monthly Payment you can Afford
Car Affordability Down Payment($)
Car Affordability Trade-in Value (If Any)
Car Affordability Loan Term
Car Affordability Interest Rate

Credit Card Payoff

Determines how long it will take to pay off credit card debt.

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Card Information

Credit Card Payoff Current Balance
Credit Card Payoff Monthly Payment
Credit Card Payoff Interest Rate

Saving for College

Calculates a monthly savings amount in order to reach your college savings goal.

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College Financial Information

Saving for College Today's Yearly Tuition
Saving for College Years of College
Saving for College Amount you Have Now
Saving for College Years Until College Begins
Saving for College Expected Interest Rate
Saving for College Expected Inflation Rate

Big Purchase

Computes how much money you will need to save each month in order to purchase something big.

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Financial Information

Big Purchase After-Tax amount savings goal
Big Purchase Amount you have now
Big Purchase How long will you save
Big Purchase Expected Interest Rate
Big Purchase Income Tax Rate

Borrowing

Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.

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Financial Information

Borrowing Payment Amount
Borrowing Number of Payments
Borrowing Interest Rate

Loan Rates

Given loan information, determines the interest rate on that loan.

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Loan Information

Loan Rates Purchase Price
Loan Rates Down Payment Amount
Loan Rates Payment Amount
Loan Rates Loan term

Paying Off a Loan

Determines how long it will take you to payoff a loan.

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Loan Information

Paying Off a Loan Purchase Price
Paying Off a Loan Down Payment Amount
Paying Off a Loan Payment Amount
Paying Off a Loan Interest Rate

Loan Payments

Determines the payment on a loan with a fixed rate.

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Loan Information

Loan Payments Purchase Price
Loan Payments Down Payment Amount
Loan Payments Loan Term
Loan Payments Interest Rate
Loan Payments Trade in Amount
Loan Payments Trade in Payoff
Loan Payments Payment Frequency

Car Purchasing

Helps decide if an Auto Loan or Home Equity Loan is best for purchasing a car.

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Auto Loan Information


Car Purchasing Price (pre tax)
Car Purchasing Loan term
Car Purchasing Interest Rate
Car Purchasing Cash Down
Car Purchasing Fees
Car Purchasing Sales Tax Rate
Car Purchasing Trade Allowance
Car Purchasing Amount Owed on Trade

Home Equity Loan Information


Car Purchasing Home Equity Price (pre tax)
Car Purchasing Home Equity Loan term
Car Purchasing Home Equity Loan Interest Rate
Car Purchasing Home Equity Loan Closing Costs
Car Purchasing Home Equity Loan Federal Tax Rate
Car Purchasing Home Equity Loan State Tax Rate

Debt Elimination

This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.

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Debt Information

Add Row Remove Row
Debt Elimination Type 0
Debt Elimination Creditor 0
Debt Elimination Interest Rate 0
Debt Elimination Current Balance 0
Debt Elimination Amount You Pay 0
Debt Elimination Minimum Amount 0
Debt Elimination Additional Monthly Payment for Debt Reduction

Debt Payoff Strategy

For the lease expensive debt payoff strategy, choose HIGHEST RATE FIRST and USE MINIMUM AMOUNT DUE

Debt Elimination Debt Payoff Order
Debt Elimination Minimum Amounts
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

Investment Financing

Select your financial calculator below to begin.

One or more of the fields is not filled out.

The date you have entered is invalid!

The amount of time is too large to compute!

The amount is too large to compute!

Percentages cannot exceed 100

How long you plan to keep the property must be less than or equal to the new loan term

Your down payment exceeds the home price

Portfolio Yield

Enter each transaction from your investment portfolio and determine your percentage yields before and after fees and taxes.

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Portfolio Information

Portfolio Yield Starting Date
Portfolio Yield Starting Balance
Portfolio Yield Ending Date
Portfolio Yield Ending Balance

Transaction History

Add Row Remove Row
Transaction Date 0
Transaction Amount 0
Transaction Type 0
Transaction Fee 0
Transaction Tax 0
Transaction Cost basis 0

Saving to be a Millionaire

Estimates a monthly deposit amount in order to save to a million dollars.

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Financial Information

Millionaire Saving Starting Balance
Millionaire Saving How long will you save
Millionaire Saving Rate of Return
Millionaire Saving Income Tax Rate

Investment Yield

Determines the return rate on an investment.

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Investment Information

Investment Yield Original Investment Date
Investment Yield Original Investment Amount
Investment Yield Investment Date on Which the Investment was Sold
Investment Yield Amount for Which the Investment was Sold
Investment Yield Compounding Period

Future Worth

Determines the present value of an asset with a known future value.

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Financial Information

Financial Present Date
Financial Future Date
Financial Future Value
Financial Rate of Return
Financial Compounding Period

Future Investment

Computes what an amount invested today will be worth at some point in the future.

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Investment Information

Future Investment Present Date
Future Investment Future Date
Future Investment Present Value
Future Investment Rate of Return
Future Investment Compounding Period

Time Savings

Compute the total amount you would be able to save with monthly deposits.

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Financial Information

Time Savings Balance on Start Date
Time Savings Deposit Amount
Time Savings Rate of Return
Time Savings Number of Years

Needed Rate

Compute the rate of return you would need to reach your savings goal.

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Financial Information

Needed Rate Balance on Start Date
Needed Rate Deposit Amount
Needed Rate Savings Goal
Needed Rate Length of Time

Initial Savings

Compute how much money you would need to start with to reach a savings goal.

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Financial Information

Initial Savings Deposit Amount
Initial Savings Rate of Return
Initial Savings Goal
Initial Savings Length of Time

Monthly Savings

Computes the monthly deposit amount needed to reach a savings goal.

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Financial Information

Monthly Savings Balance on Start Date
Monthly Savings Rate of Return
Monthly Savings Savings Goal
Monthly Savings Number of Years
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

Retirement Financing

Select your financial calculator below to begin.

One or more of the fields is not filled out.

The date you have entered is invalid!

The amount of time is too large to compute!

The amount is too large to compute!

Percentages cannot exceed 100

How long you plan to keep the property must be less than or equal to the new loan term

Your down payment exceeds the home price

Traditional vs. Roth

Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.

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IRA Information

Traditional vs. Roth Current Traditional IRA amount
Traditional vs. Roth Current tax bracket
Traditional vs. Roth Retirement tax bracket
Traditional vs. Roth Estimated investment rate of return
Traditional vs. Roth How much do you plan to save each year
Traditional vs. Roth Amount Saved is
Traditional vs. Roth Maximum IRA sheltered contribution
Traditional vs. Roth How many years until you retire

Traditional IRA

Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.

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IRA Information

Traditional IRA Annual Deposit Amount
Traditional IRA Number of Years to Save
Traditional IRA Rate of Return
Traditional IRA Income Tax Rate

Roth IRA

Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you.

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IRA Information

Roth IRA Annual Deposit Amount
Roth IRA Deposit amount is
Roth IRA Current Tax Rate
Roth IRA Number of Years to Save
Roth IRA Rate of Return

Retirement Savings

Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.

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Financial Information

Retirement Savings Start Balance
Retirement Savings Withdrawal Amount
Retirement Savings Rate of Return
Retirement Savings Compounding Period

Retirement Rate

Use this calculator to find out what rate of return you would need to make recurring withdrawals of a specified amount from an account.

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Financial Information

Retirement Rate Starting Balance
Retirement Rate Withdrawal Amount
Retirement Rate Number of Withdrawals
Retirement Rate Withdrawal Period

Retirement Funding

Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.

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Financial Information

Retirement Funding Withdrawal Amount
Retirement Funding Rate of Return
Retirement Funding Number of Withdrawals
Retirement Funding Withdrawal Period

Monthly Spending

Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.

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Financial Information

Monthly Spending Starting Balance
Monthly Spending Rate of Return
Monthly Spending Number of Withdrawals
Monthly Spending Withdrawal Period
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

Lease Financing

Select your financial calculator below to begin.

One or more of the fields is not filled out.

The date you have entered is invalid!

The amount of time is too large to compute!

The amount is too large to compute!

Percentages cannot exceed 100

How long you plan to keep the property must be less than or equal to the new loan term

Your down payment exceeds the home price

Affordable Lease

This calculator computes the amount you can afford to lease.

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Lease Information

Affordable Lease Payment Amount
Affordable Lease Rate
Affordable Lease Residual Amount
Affordable Lease Term
Affordable Number of Advance Payments

Lease Residual

This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.

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Lease Information

Lease Residual Lease Amount
Lease Residual Payment Amount
Lease Residual Lease Rate
Lease Residual Lease Term
Lease Residual Number of Advance Payments

Lease Payments

This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.

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Lease Information

Lease Payments Lease Amount
Lease Payments Lease Rate
Lease Payments Residual Amount
Lease Payments Lease Term
Lease Payments Number of Advance Payments

Lease Rate

This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.

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Lease Information

Lease Rate Lease Amount
Lease Rate Payment Amount
Lease Rate Residual Amount
Lease Rate Lease Term
Lease Rate Number of Advance Payments

Equipment Affordablity

This calculator computes the amount you can afford to lease.

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Lease Information

Equipment Affordablity Payment Amount
Equipment Affordablity Lease Rate
Equipment Affordablity Residual Amount
Equipment Affordablity Lease Term
Equipment Affordablity Number of Advance Payments
Equipment Affordablity Compounding Period

Equipment Residual

This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.

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Lease Information

Equipment Residual Lease Amount
Equipment Residual Payment Amount
Equipment Residual Payment Amount
Equipment Residual Lease Term
Equipment Residual Number of Advance Payments
Equipment Residual Payment Period

Equipment Payments

This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments

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Lease Information

Equipment Payments Lease Amount
Equipment Payments Lease Rate
Equipment Payments Residual Amount
Equipment Payments Lease Term
Equipment Payments Number of Advance Payments
Equipment Payments Payment Period

Equipment Lease Rate

This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.

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Lease Information

Equipment Lease Amount
Equipment Lease Payment Amount
Equipment Lease Residual Amount
Equipment Lease Rate Term
Equipment Lease Number of Advance Payments
Equipment Lease Payment Period
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

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

Account Type: Balance Tier to Obtain APY APYInterest Rate Additional Information
Account Type:
Advantage Club for 50+
50+ Interest Checking
Super Now Account
Balance Tier to Obtain APY

$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
APY
0.05%
Interest Rate
0.05%
Additional Information
Advantage Club 50+, 50+ Interest Checking, Super Now and Money Management Rates based on Monthly Compounding
Account Type:
Small Business Checking
Balance Tier to Obtain APY
$5,000.00
APY
0.05%
Interest Rate
0.05%
Additional Information
Account Type:
Passbook Savings Account
Balance Tier to Obtain APY
$100.00 - $999.99
$1,000.00 and over
APY
0.05%
Interest Rate
0.05%
Additional Information
Account Type:
Christmas Club Account
Balance Tier to Obtain APY
$100.00 and over
APY
0.05%
Interest Rate
0.05%
Additional Information
Minimum opening deposit $2

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

Account Type: Balance Tier to Obtain APY APY Interest Rate Additional Information
Account Type:
Money Management Account
Balance Tier to Obtain APY
$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
APY
0.05%
Interest Rate
0.05%
Additional Information

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.

TermAPY Interest Rate Additional Information
Term
3 Months
6 Months
7 Months
9 Months
APY
0.10%
0.20%
0.20%
0.20%
Interest Rate
0.10%
0.20%
0.20%
0.20%
Additional Information
Monthly checks can be issued on Certificates of Deposit $10,000 or more.

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

TermAPY Interest Rate Additional Information
Term
12 Months
14 Months
18 Months
24 Months
36 Months
48 Months
60 Months
APY
4.32%
0.20%
2.26%
0.30%
2.52%
0.40%
3.03%
Interest Rate
4.25%
0.20%
2.25%
0.30%
2.50%
0.40%
3.00%
Additional Information
Certificates and IRA rates based on quarterly compounding. These APYs do not take into account periodic withdrawals of interest.

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

TermAPY Interest Rate
Term
18 Months
APY
2.26%
Interest Rate
2.25%

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.

External Transfers

You can transfer funds between your Bank of Cadiz accounts and your accounts at other financial institutions with our External Transfer Service. In order to use this service you must be enrolled in our Online Banking. 

Bank of Cadiz & Trust Co. External Transfer Fees, Limits and Cut-off Time:

Standard Transfer Process – 4 business days (example: Start process on a Monday and funds will be credited to the receiving account on Thursday)

Transfer Limits: 

$2,500 per day To/From non-Bank of Cadiz accounts – $3.00 per transfer and $.50 per transaction account request fee¹

External Transfer Cut-Off Time: 3:00pm CST

If you have additional questions regarding external transfers, please contact one of our Customer Service Representatives.

¹In order to validate your external account request two (2) small deposits (and a single withdrawal of these deposits) will be submitted for posting at the financial institution identified. After processing of these transactions you will be required to validate the amounts of the deposits that posted to the requested external account. Each request will be a charge of $.50 per transaction account. This is a one-time fee for each account you setup as long as it is verified before the request expires within a two (2) week period. 

For additional information on specific property or to arrange a showing, please contact the listing agent at the telephone number indicated for that property.


Residential

  • No items at this time

Commercial

  • No Items at this time

The information provided here is for Reference Only. It is believed to be accurate but not guaranteed. All information is provided on an “as is” basis without warranty as to accuracy or completeness. The information does not constitute an offer to sell property. Bank of Cadiz & Trust Co. is not responsible for the products or services offered by the real estate professional identified in any particular listing.