Featured Savings Rates
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Oconee State Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.00%5-year CD60 Month CD
0.40%1-year CD12 Month CD
0.15%SavingsRegular Savings

Overview / Commentary
706-769-6611
35 North Main Street
Watkinsville, GA 30677

Oconee State Bank is headquartered in Watkinsville and is the 39th largest bank in the state of Georgia. It is also the 2,038th largest bank in the nation. It was established in 1960 and as of March of 2017, it had grown to 72 employees at 4 locations. Oconee State Bank has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #18143
Year Established1960
Employees72
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD7.53%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$330.8MM$304.9MM
LoansQ1 2017vs Q1 2016$144.5MM$139.7MM
DepositsQ1 2017vs Q1 2016$301.3MM$275.6MM
Equity CapitalQ1 2017vs Q1 2016$29.2MM$28.8MM
Loan Loss AllowanceQ1 2017vs Q1 2016$2.0MM$1.9MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$847.00K$839.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$36.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oconee State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Regular Savings
0.15%--OSB Kids Savings

Oconee State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$25k*-Insured Money Market
OTHER TIERS: 0.15% Up to $2,500 | 0.20% $2,500 - $25k

Oconee State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--High Interest Checking
0.10%$1,500-Business Interest Checking
0.05%--VIP Free Interest Checking
0.05%--50+ Free Interest Checking

Oconee State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-60 Month CD
0.90%$500-48 Month CD
0.70%$500-36 Month CD
0.50%$500-24 Month CD (Fixed)
0.45%$500-18 Month CD
0.45%$500-24 Month CD (Upgrade)
0.40%$500-12 Month CD
0.20%$500-6 Month CD
0.15%$500-3 Month CD

Oconee State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$500-18 Month IRA
0.45%$500-24 Month IRA (Upgrade)
0.40%$500-12 Month IRA
0.20%$500-6 Month IRA
Locations


Oconee State Bank Locations
Butler's Crossing Branch2000 Experiment Station RoadWatkinsville, GA 30677
Bogart Branch2441 Monroe HighwayBogart, GA 30622
Oconee State Bank35 North Main StreetWatkinsville, GA 30677