State Bank & Trust Company

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Savings & CD'S

Savings Accounts

  • Deposits and withdrawals can be made at any time.
  • Interest is paid on collected balances and compounded daily.
  • Join our Wild Bill Buckeroo Club for prizes & drawings – 12 and under.
  • $2/month if average balance falls below $200 -- Waived for children/students up to the age of 21 and non-profit organization accounts.
  • Up to six free withdrawals per month.
  • Use BankEasy On-Line or BankEasy By Phone to access account balances or transfer money.
  • The current annual percentage yield is .35%. Rate subject to change without notice.

Money Market Accounts

  • $2,500 minimum deposit to open account.
  • Interest compounded daily.
  • Monthly statements.
  • Deposits and withdrawals can be made at any time.
  • Use BankEasy On-Line or BankEasy By Phone to access account balances or transfer money.
  • $2/month if average balance falls below $200 -- Waived for children/students up to the age of 21 and non-profit organization accounts.
  • Up to six free withdrawals per month.
  • Current rates are as follows, effective November 21, 2008:
Minimum balance Annual Percentage Yield
$0.00 - $2,499.99 .35%
$2,500.00 – $24,999.99 .50%
$25,000.00 - $249,999.99 .75%
$250,000 & Over 1.26%

Rates subject to change without notice.

Individual Retirement Accounts (IRAs)

  • Traditional IRAs and Roth IRAs are available.
  • 12-Month fixed-rate instruments and 48-month fixed-rate instruments are available and insured by FDIC.
  • No annual maintenance fee.
  • Competitive rates, subject to change monthly.
    (Other investment options available through the Investment Department.)

Certificate of Deposit Specials

Term Annual Percentage Yield  Minimum Balance
 9 month 2.41% $2,500
33 month 3.03% $2,500

Our standard rates have a minimum balance requirement of $1,000. Call a customer service representative at any of our offices for term and rate details. Rates listed are effective November 21, 2008.

Penalty for early withdrawal may apply. Rates are subject to change without notice.




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