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Home Equity

Leveraging the equity in your home can be a great way to finance large expenses such as a new car, wedding, or home renovation.  Bank of Zachary can offer home equity term loans in a second mortgage position up to 95% of appraised value.

Mortgage Loans

In addition to conventional long term fixed-rate mortgage loans, Bank of Zachary can offer a variety of portfolio lending options which come with benefits such as down payments as low as 10% and no private mortgage insurance (PMI).

e-Z Non-Profit

Support your organization’s mission with a simple, flexible account designed for the everyday financial needs of non-profit organizations. The e-Z Non-Profit account provides convenient access and essential tools—so you can stay focused on making an impact in your community.

Features
  • $100 minimum deposit required to open
  • Avoid the $5.00 monthly service charge by enrolling in e-Statements
  • Unlimited deposited items
  • Unlimited check writing
  • 24-Hour Telephone Banking (225-654-1516)
  • Business Online & Mobile Banking with optional additional user access
  • Business Debit Mastercard® available at account opening
  • Optional Business Overdraft Protection
  • No cash deposit fees
  • Digital deposit capabilities
  • No incoming wire transfer fees
  • Export account data into QuickBooks®, Quicken® or Microsoft Excel
  • Access to Treasury Management and Cash Management Solutions
  • Night Depository access available at most branch locations

A $100 minimum deposit required to open an account. A $5.00 monthly service charge will apply if the account is not enrolled in e-Statements. Additional fees may apply for certain services, including Treasury Management and Cash Management services. Night Depository access requires a Night Depository Agreement. Fees may apply for night depository bags and key access. Overdraft services are subject to approval and applicable fees. Debit card transactions may be subject to daily limits.

e-Z BIZ Interest

Let your checking account work overtime for your business by earning deposits a competitive interest rate. It takes $2,500 to open the account and earn interest, and a $10,000 minimum balance to avoid the $15 monthly service charge.

Rates

Effective Date: 5/26/2026

Business Checking Account (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.25%0.25%$2,500$2,500

*APY – Annual Percentage Yield 

Interest is calculated on the daily collected balance and paid on the entire balance based on the applicable tier. Interest is compounded and credited monthly. The interest rate and Annual Percentage Yield (APY) for each tier may change at any time. Fees may reduce earnings on these accounts.

 

$2,500 required for opening balance. No monthly service charge if your lowest balance during the cycle is $10,000 and above. $15 monthly service charge if your balance is less than $10,000. The first 25 checks or debits you transact per statement cycle are free. $0.25 cents per item will be charged thereafter.

e-Z BIZ Checking

The e-Z Biz Checking account is a noninterest-bearing account designed to support the everyday banking needs of business customers with convenient access and straightforward features.

Features
  • $100 minimum deposit required to open
  • Avoid the $15.00 monthly service charge by maintaining a minimum daily balance of $5,000 during the statement cycle
  • Unlimited deposits  
  • Unlimited check-writing privileges
  • 24-Hour Telephone Banking (225-654-1516)
  • e-Statements included
  • Business Online & Mobile Banking with optional additional user access
  • Business Debit Mastercard® available at account opening
  • Optional Business Overdraft Protection
  • No cash deposit fees*
  • Digital deposit capabilities
  • No incoming wire transfer fees*
  • Export account data into QuickBooks®, Quicken® or Microsoft Excel
  • Night Depository access available at most branch locations
  • Access to Treasury Management and cash management solutions

$100 minimum deposit is required to open an account. A $15 monthly service charge will be assessed if the account balance falls below $5,000 during any day of the statement cycle. Treasury Management and other optional services may be subject to additional fees. Night depository access requires a Night Depository Agreement. Fees may apply for night depository bags and key access. Overdraft services are subject to approval and applicable fees. Debit card transactions may be subject to daily limits.

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: 5/26/2026

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: 5/26/2026

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: 5/26/2026

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: 5/26/2026

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: 5/26/2026

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. 

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