Rates

APY = Annual Percentage Yield
Rates effective as of 01/01/2018.
Fees may reduce earnings.

Checking Rates

Product Rate Yield
OneAdvantage 0.50% 0.50%
OneAdvantage for Business 0.50% 0.50%
NetVantage (Balances up to $75,000)/(Balances over $75,000) 0.75%/0.20% 0.75%/0.20%

All checking and savings rates are quoted as Annual Percentage Yields. Fees could reduce earnings on the account. Onebanc Now, Money Market and Saving accounts are variable rate accounts; rates may change at any time without notice.

Savings Rates

Product Rate Yield
Onebanc Savings 0.10% 0.10%
First Step Savings 0.10% 0.10%
Onebanc Business Savings 0.10% 0.10%
Health Savings Account 0.10% 0.10%
Family Health Savings Account 0.10% 0.10%

All checking and savings rates are quoted as Annual Percentage Yields. Fees could reduce earnings on the account. Onebanc Now, Money Market and Saving accounts are variable rate accounts; rates may change at any time without notice.

Money Market Accounts

Amount Range Rate Yield
$0.00 $4,999.99 0.25% 0.25%
$5,000.00 $24,999.99 0.35% 0.35%
$25,000.00 $49,999.99 0.45% 0.45%
$50,000.00 $74,999.99 0.50% 0.50%
$75,000.00 $99,999.99 0.60% 0.60%
$100,000.00 $249,999.99 0.65% 0.65%
$250,000.00 $499,999.99 0.70% 0.70%
$500,000.00 $999,999.99 0.75% 0.75%
$1,000,000.00 Above 0.80% 0.80%

All checking and savings rates are quoted as Annual Percentage Yields. Fees could reduce earnings on the account. Onebanc Now, Money Market and Saving accounts are variable rate accounts; rates may change at any time without notice.

Deposit Rates

Certificate of Deposit Rate Jumbo Certificate of Deposit Rate
3 Month CD 0.10% 3 Month CD 0.10%
6 Month CD 0.20% 6 Month CD 0.20%
12 Month CD 0.30% 12 Month CD 0.30%
18 Month CD 0.35% 18 Month CD 0.35%
24 Month CD 0.45% 24 Month CD 0.45%
36 Month CD 0.65% 36 Month CD 0.65%
48 Month CD 0.70% 48 Month CD 0.70%
60 Month CD 0.75% 60 Month CD 0.75%

Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank’s discretion and may change daily.

FDIC insured to the maximum allowed by law.

 

IRA

IRA RATE/APY JUMBO IRA RATE/APY
6 Month 0.25 6 Month 0.25
12 Month 0.35 12 Month 0.35
18 Month Variable 0.40 18 Month Variable 0.40
24 Month 0.55 24 Month 0.55
36 Month 0.65 36 Month 0.65
48 Month 0.70 48 Month 0.70
60 Month 0.75 60 Month 0.75

Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank’s discretion and may change daily.

FDIC insured to the maximum allowed by law.

Auto Loans

Term Yr Model APR as low as
24 months 2008-2009 5.24%
36 months 2008-2009 5.34%
     
36 months 2010-2015 4.58%
60 months 2013 4.71%
72 months  2014-2015 4.92%
     
60 months 2016-2018 3.70%
72 months 2016-2018 3.92%
84 months Lux only 2016-2018 4.65%

Auto Loans 

Rates for loans to purchase a vehicle from a private party, longer terms, vehicles older than 3 model years, or higher LTV may be higher. Loan fees apply. Loan payment and APR will vary based on the loan amount, the term, and any fees 3.70%. Annual Percentage Rate (APR) – loan payment example assumes: $20,000.00 automobile loan for 2016 or newer year model, an excellent credit score, at a term of 60 months, with applicable fees . The monthly payment would be about $364. Rates vary and are dependent on individual credit history and term. Rates as of 11/6/17 and subject to change.

Some additional restrictions may apply. Installment loans are offered through One Bank & Trust National Association. Deposit products are offered by One Bank National Association, Member FDIC.

Not all loan programs are available for all loan amounts. Interest rate and program terms are subject to change without notice. Property insurance is required.