- State Bank and Trust Company - https://www.sbtcajun.com -

Interest Rates

Rates Current as of January 3, 2019

Personal AccountsRateAPY*
Standard Savings.15%.15%
Money Max Savings.20%.20%
N.O.W. Checking.15%.15%
I.M.M.A. (Insured Money Market Account).15%.15%
Christmas Club Savings.50%.50%
Vacation Club Savings.50%.50%
Business AccountsRatesAPY*
Standard Savings.15%.15%
Money Max Savings.20%.20%
Sweep Savings.50%.50%
N.O.W. Checking.15%.15%
I.M.M.A. (Insured Money Market Account).15%.15%

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)

I.R.A. RateAPY*
6 Month Fixed0.75%0.75%
12 Month Fixed1.25%1.26%
2 Years Fixed1.85%1.87%
3 Years Fixed1.95%1.97%
5 Years Fixed2.25%2.27%
18 Month Variable1.65%1.66%
3 Years Variable1.80%1.81%
5 Years Variable2.00%2.02%

Early withdrawal penalties apply for I.R.A. accounts. Penalty for all terms of I.R.A. is three months of interest.

CD TermsRateAPY*
7 to 31 days.15%.15%
32 to 59 days.15%.15%
60 to 89 days.15%.15%
90 to 179 days.50%.50%
180 to 364 days.75%.75%
1 year1.25%1.25%
18 months1.75%1.76%
2 years1.85%1.86%
3 years1.95%1.96%
3 years Bump Rate1.65%1.66%
4 years 2.00%2.02%
5 years2.25%2.27%
5 years Bump Rate1.95%1.96%

All regular Certificates of Deposit require a minimum balance of $1,000.00. A minimum balance of $1,000.00 is required to earn the stated APY*

All Bump Rate Certificates of Deposit require a minimum balance of $5,000.00. A minimum balance of $5,000.00 is required to earn the stated APY*

Early withdrawal penalties apply.

Penalty varies according to term of CD:

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)