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Individual Retirement Accounts

Invest in the future with an Individual Retirement Account. We offer Traditional, Roth, and Coverdell Education Savings Accounts to help support your retirement and education planning needs.

Features
  • Competitive rates
  • $500 minimum balance to open and obtain APY*
  • No monthly service charge
  • Terms from 12 months to 60 months**
  • Automatic renewals
  • Classified as a Certificate of Deposit
  • FDIC insured, up to the allowable limits
Rates

Effective Date: 4/4/2026

IRA Rates (Rate Table)
TermInterest RateAPY*Minimum To OpenMinimum To Obtain APY
1 Year2.62%2.65%$500$500
1 Year Variable**2.62%2.65%$500$500
18 Months2.77%2.80%$500$500
2 Years2.72%2.75%$500$500
3 Years2.62%2.65%$500$500
5 Years2.72%2.75%$500$500

*APY = Annual Percentage Yield.
** Variable IRA interest rate may change at any time after the account is opened.
Note: These rates may change at any time without prior notice.
For IRAs, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
These IRAs automatically renew.

*APY = Annual Percentage Yield.
** Variable IRA interest rate may change at any time after the account is opened. 
Note: These rates may change at any time without prior notice. 
For IRAs, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. 
These IRAs automatically renew.

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Certificates of Deposit

Features
  • Competitive rates
  • $2,500 minimum balance to open and obtain APY
  • No monthly service charge
  • Terms from 90 days to 60 months
  • Automatic renewals
  • FDIC insured, up to the allowable limits
Rates

Effective Date: 4/4/2026

Certificates of Deposit (Rate Table)
TermInterest RateAPY*Minimum To OpenMinimum To Obtain APY
90 Days1.74%1.75%$2,500$2,500
6 Months3.47%3.50%$2,500$2,500
12 Months3.21%3.25%$2,500$2,500
18 Months2.67%2.70%$2,500$2,500
2 Years2.53%2.55%$2,500$2,500
3 Years2.28%2.30%$2,500$2,500
5 Years2.23%2.25%$2,500$2,500

*APY = Annual Percentage Yield.
Note: These rates may change at any time without prior notice. 
For CDs, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. 
These CDs automatically renew.

CD interest rates are fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. All CDs automatically renew at maturity.

Christmas Savings

Save for the holidays or another special occasion with our Christmas Savings account. Beginning every October, you can open an account with as little as $100 and watch your money grow on this dividend bearing account. Then, after September 30th, we'll disburse your funds just in time for holiday shopping!

Features
  • Interest is calculated daily on the collected balance and added to the account on September 30th
  • Money may be automatically transferred from a Bank of Zachary account
  • Statements are mailed annually as of September 30th
  • Withdrawals in the form of cash or a check are allowed after the program ends on September 30th or we will transfer the balance into your checking account for you
  • Account number stays the same each year
  • Rates may change after this account is opened
Rates

Effective Date: 4/4/2026

Savings (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.30%0.30%$100$100

*APY = Annual Percentage Yield.
These rates may change after the account is opened.  Fees may reduce earnings in these accounts.

Regular Savings

Our Regular Savings account offers convenient and secure access to your money. Maintain a minimum balance of $100 to obtain the APY and avoid the monthly service charge.

Features
  • Interest is calculated on the daily collected balance and added to the account at statement time
  • FREE Online Banking
  • FREE Mobile Banking
  • Statements without electronic items are mailed quarterly
  • You are allowed 6 withdrawals per quarter at no charge
  • FREE 24-Hour Telephone Banking (654-1516)
  • Optional e-Statements
  • Fees may reduce earnings on the account
  • Rates may change after the account is opened
Rates

Effective Date: 4/4/2026

Savings (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.30%0.30%$100$100

*APY = Annual Percentage Yield.
These rates may change after the account is opened.  Fees may reduce earnings in these accounts.

No service charge if account balance remains above $100 during the quarterly statement period. $5 service charge is charged only if the balance falls below $100 during the quarterly statement period. You are allowed 6 withdrawals per quarter at no charge. There will be a fee of $5 for each thereafter. $0.30 fee will be charged for each item deposited in excess of 20. $100 is required to open the account. 

e-Z Savings

Simplify your savings with our e-Z Savings Account. Open this online-only account with as little as $25 and watch your money grow with competitive rates and 24/7 account access.

Features
Rates

Effective Date: 4/4/2026

Savings (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.30%0.30%$25$25

*APY = Annual Percentage Yield.
These rates may change after the account is opened.  Fees may reduce earnings in these accounts.

e-Statements are required. No service charge if account balance remains above $25 during the quarterly statement period. $5 service charge is charged only if the balance falls below $25 during the quarterly statement period. You are allowed 6 withdrawals per quarter at no charge. There will be a fee of $5 for each thereafter. $0.30 fee will be charged for each item deposited in excess of 20. $25 is required to open the account. 

e-Z Money Market

Our e-Z Money Market account offers many of the conveniences of a checking account, but with a higher interest rate. Maintain a minimum balance of $1,500 to avoid service charges and obtain the APY.

Features
Rates

Effective Date: 4/4/2026

Checking Rates Table
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.40%
1.00%
1.74%		0.40%
1.00%
1.75%		$1,500
$1,500
$1,500

$0 to $24,999.99 (Tier 1)
$25,000.00 to $99,999.99 (Tier 2)
$100,000.00 + (Tier 3)

*APY = Annual Percentage Yield.
These rates may change after the account is opened. Fees may reduce earnings in these accounts.

$1,500 required for opening balance. No monthly service charge if your lowest balance during the cycle is $1,500 and above. $15 monthly service charge if your balance is less than $1,500. Checks, debits, or pre-authorized internet or phone transfers are limited to six per month. Excessive checks/debits will result in a $10 per item charge. $1 ATM activity fee is charged for using a non-Bank of Zachary ATM. $10 for replacement ATM/MasterCard Debit Card.

Statement Checking

With our Statement Checking account, you can receive monthly bank statements in the mail. Avoid the $10 monthly service charge by maintaining a minimum balance of $1,500.

$100 required for opening balance. No monthly service charge if your lowest balance during the cycle is $1,500 and above. $10 monthly service charge if your balance is less than $1,500. $1 ATM activity fee is charged for using a non-Bank of Zachary ATM. $ 10 for replacement ATM/MasterCard Debit Card.

Student Checking

Your first checking account should be designed to fit your needs and schedule. Our Student Checking account offers convenient access to your cash - anytime, anywhere.

$25 required for opening balance. $1 ATM activity fee is charged for using a non-Bank of Zachary ATM. $10 for replacement ATM/MasterCard Debit Card.

e-Z Now

If you'd like the benefits of a Bank of Zachary checking account plus interest, consider our e-Z NOW account. Maintain a minimum balance of $1,500 to obtain the APY and to avoid the $15 monthly service charge.

Features
Rates

Effective Date: 4/4/2026

Checking Rates Table
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.25%0.25%$1,500$1,500

*APY = Annual Percentage Yield.
These rates may change after the account is opened. Fees may reduce earnings in these accounts.

$1,500 required for opening balance. No monthly service charge if your lowest balance during the cycle is $1,500 and above. $15 monthly service charge if your balance is less than $1,500 any day of the statement cycle. $1 ATM activity fee is charged for using a non-Bank of Zachary ATM. $10 for replacement ATM/MasterCard Debit Card.

e-Z Checking

Our e-Z Checking Account puts you in control of your money with unlimited check writing privileges, free online banking, and bill pay. You’ll have convenient access to your money with no monthly service charge.

$100 required for opening balance. No monthly service charge. $1 ATM activity fee is charged for using a non-Bank of Zachary ATM. $10 for replacement ATM/MasterCard Debit Card.

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