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

Interest Rates

Rates Current as of October 1, 2020

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 Fixed0.40%0.40%
12 Month Fixed0.60%0.60%
2 Years Fixed0.80%0.80%
3 Years Fixed1.00%1.00%
5 Years Fixed1.00%1.00%
18 Month Variable0.75%0.75%
3 Years Variable1.00%1.00%
5 Years Variable1.00%1.00%

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 days0.10%0.10%
32 to 59 days0.10%0.10%
60 to 89 days0.10%0.10%
90 to 179 days0.20%0.20%
180 to 364 days0.20%0.20%
1 year0.40%0.40%
18 months0.40%0.40%
2 years0.45%0.45%
3 years0.45%0.45%
3 years Bump Rate0.35%0.35%
4 years 0.45%0.45%
5 years0.50%0.50%
5 years Bump Rate0.45%0.45%

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)