Oak Valley Community Bank
Eastern Sierra Community Bank

Rates

Deposit Product Rate as of January 22, 2024

  • Checking
    Product Amount Interest Rate APY†
    Direct Interest & 50+ Interest Checking $0.00 and over 0.05% 0.05%
    Platinum Interest Checking $0.00 - $2,499.99 0.05% 0.05%
    $2,500.00 and over 0.10% 0.10%
    Business Interest Checking $5,000.00 and over 0.05% 0.05%
  • Savings
    Product Amount Interest Rate APY†
    Savings1 $0.00 - 9,999.99 0.05% 0.05%
    $10,000.00 and over 0.10% 0.10%
    Business Savings $0.00 - 9,999.99 0.05% 0.05%
    $10,000.00 and over 0.10% 0.10%
  • Money Market
    Product Amount Interest Rate APY†
    Money Market $0.00 - 9,999.99 0.05% 0.05%
    $10,000.00 - 24,999.99 0.15% 0.15%
    $25,000.00 - 49,999.99 0.25% 0.25%
    $50,000.00 - 99,999.99 0.50% 0.50%
    $100,000.00 and over 1.00% 1.01%
  • Certificates of Deposit & IRAs
    Product Term Interest Rate APY†
    Certificate of Deposit
    $2,500.00 to $49,999,99
    3 Months 0.50% 0.50%
    6 Months 4.00% 4.08%
    12 Months 4.00% 4.08%
    24 Months 2.50% 2.53%
    36 Months 2.00% 2.02%
    Certificate of Deposit
    $50,000.00 and over
    3 Months 0.50% 0.50%
    6 Months 4.00% 4.08%
    12 Months 4.00% 4.08%
    24 Months 2.50% 2.53%
    36 Months 2.00% 2.02%
    Individual Retirement Accounts 6 Months 4.00% 4.08%
    12 Months 4.00% 4.08%
    24 Months 2.50% 2.53%
    Term Early Withdrawal Penalty
    30 – 364 days 30 days of interest on the amount withdrawn
    365 days – 5 years 90 days interest on the amount withdrawn
  • Account Analysis
    Product Amount Interest Rate APY†
    Account Analysis Earnings Allowance Rate 0.50% N/A
  • Health Savings
    Product Amount Interest Rate APY†
    Health Savings Account
    $500.00 and over
    HSA Checking2 0.05% 0.05%
    HSA Savings2* 0.05% 0.05%
    HSA Liquidity3** 0.10% 0.10%