Serving Our Communities Since 1905

Our Family of Banks

The Bank of Fayette County
The Bank of Hardeman County
The Bank of McNairy County
The Bank of Mason
The Bank of Collierville
The Bank of Arlington

CDs & IRAs

Certificates of Deposit (CDs)

Our Bank’s Certificates of Deposits give you the option to choose the amount of money to invest and the length of time you want to invest. Certificates of Deposit are one of our highest yielding investments.

Benefits

Competitive interest rate
Security of FDIC Insurance on insured amounts
$1,000 minimum to open
Certificates of Deposit can automatically renew
Compounded Interest, if you renew your certificate within 10 days, you may add your interest to your certificate at maturity
Interest earnings are:
- Added to the Certificate at maturity
- Deposited to a checking or a savings account
- Issued an interest check

Terms

3-Month Certificate
6-Month Certificate
12-Month Certificate
18-Month Certificate
24-Month Certificate
36-Month Certificate
60-Month Certificate

Early withdrawal penalty may apply.
If you need a special term, please contact your Customer Service Representative.

Individual Retirement Accounts (IRAs)

A great way to save for your retirement years while getting the tax benefits today.

Traditional IRAs

The Traditional Individual Retirement Account (IRA) allows you to make tax-deductible contributions to an account which accrues interest of capital gains on a tax-deferred basis until they are withdrawn at your retirement. You must start receiving distributions from your account by April 1 of the year following the year in which you reach age 72.

Benefits

Available for short and long term investments
Great tax deferral while paying for retirement

Terms

18- Month Variable Monthly
Up to 5 Year Fixed

Terms

*APY = Annual Percentage Yield
Rates are effective as of 1/04/2023.
Rates are subject to change at any time without prior notice.
Penalties for early withdrawal

Maturity	Bank of Fayette	Market Average	Trustmark SB&T	Clayton Bank & Trust Oakland	Bancorp South	First Citizens	First Alliance	First South	M & P	Regions	Landmark Cmty Bank	Home Banking	FHLB	MBS
Cub Club Savings	0.50%
Common Sense	0.15%
Savings	0.25%		0.10%	0.25%	0.03%	0.15%	0.03%
NOW	0.15%	0.05%	0.10%		0.02%	0.10%	0.02%	0.05%
Super NOW	0.15%	0.08%	0.15%
Money Mkt	0.25%	0.16%	0.15%	0.25%	0.05%	0.10%	0.18%	0.25%	0.15%	0.01%	0.35%
Bolivar 3 mo	0.00%
3 month	0.25%	0.19%	0.10%	0.25%	0.04%	0.25%	0.28%	0.36%	0.20%	0.03%	0.45%		0.58%	0.65%
6 month	0.35%	0.25%	0.10%	0.35%	0.10%	0.35%	0.31%	0.41%	0.30%	0.05%	0.50%	0.30%	0.65%	0.70%
9 month									0.35%
12 month	0.50%	0.37%	0.15%	0.51%	0.25%	0.45%	0.51%	0.61%	0.40%	0.10%	0.75%	0.50%	0.75%	0.85%
13 month	0.00%
14 month
18 month	0.55%	0.42%	0.45%	0.55%	0.30%	0.45%		0.71%	0.50%	0.10%	1.00%	0.50%	0.86%	0.99%
19 month
24 month	1.20%	0.57%	0.50%	0.75%	0.40%	0.65%	0.76%	0.76%	0.50%	0.20%	1.00%	0.60%	0.92%	1.10%
30 month		0.64%			0.45%	0.65%	0.81%		0.60%	0.20%	1.25%
32 month
35 month
36 month	1.25%	0.65%		1.01%	0.55%	0.75%	1.01%	0.81%	0.75%	0.30%	1.30%		1.05%	1.25%
48 month				1.31%	0.60%	0.75%	1.26%	1.00%	0.90%	0.50%	1.40%
58 month										0.50%
60 month	1.35%	1.12%	1.06%	1.51%	0.80%	1.10%	1.51%	1.10%	1.20%	0.60%	2.00%		1.37%	1.55%
Special Public Funds			0.35%				1YEAR EZ ACCESS CD					4
Sweep Accounts			0.15%	Must have a checking account for specials.			0.47%
ICS MMDA Accounts			0.42%

Maturity of CD	Minimum to Open	*APY (01/04/23 thru (02/07/23)**
3 Month	$1,000	0.20%
6 Month	$1,000	0.20%
12 Month	$1,000	3.50%
18 Month	$1,000	3.85%
24 Month	$1,000	3.50%
36 Month	$1,000	3.25%
60 Month	$1,000	3.25%
9 Month	$1,000	3.25%

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The Bank 1905

Our Family of Banks

The Bank 1905

CDs & IRAs

Certificates of Deposit (CDs)

Benefits

Terms

Individual Retirement Accounts (IRAs)

Traditional IRAs

Benefits

Terms

Terms