Interest Rates

Accurate as of March 15, 2017

Certificates of Deposit

Term

Minimum
Balance*

Type

Relationship Interest Rate**

APY

Non-Relationship Interest Rate

APY

COMPOUNDING

90 Days

$1,000.00

Fixed

0.05%

0.05%

0.05%

0.05%

At Maturity

6 Months

$1,000.00

Fixed

0.20%

0.20%

0.10%

0.10%

Quarterly

7 Months

$1,000.00

Fixed

0.20%

0.20%

0.10%

0.10%

Quarterly

9 Months

$1,000.00

Fixed

0.20%

0.20%

0.10%

0.10%

Quarterly

10 Months

$1,000.00

Fixed

0.20%

0.20%

0.10%

0.10%

Quarterly

11 Months

$1,000.00

Fixed

0.20%

0.20%

0.10%

0.10%

Quarterly

12 Months

$1,000.00

Fixed

0.25%

0.25%

0.15%

0.15%

Quarterly

15 Months

$1,000.00

Fixed

0.25%

0.25%

0.15%

0.15%

Quarterly

18 Months

$1,000.00

Fixed

0.40%

0.40%

0.20%

0.20%

Quarterly

23 Months

$1,000.00

Fixed

0.40%

0.40%

0.20%

0.20%

Quarterly

24 Months

$1,000.00

Fixed

0.45%

0.45%

0.20%

0.20%

Quarterly

30 Months

$1,000.00

Fixed

0.55%

0.55%

0.30%

0.30%

Quarterly

33 Months

$1,000.00

Fixed

0.55%

0.55%

0.30%

0.30%

Quarterly

36 Months

$1,000.00

Fixed

1.15%

1.15%

0.65%

0.65%

Quarterly

36 Months - Top Rate

$1,000.00

Fixed

1.15%

1.15%

0.65%

0.65%

Quarterly

48 Months

$1,000.00

Fixed

1.49%

1.50%

1.00%

1.00%

Quarterly

60 Months

$1,000.00

Fixed

1.64%

1.65%

1.15%

1.15%

Quarterly

9 Months Investment Saver***

$100.00

Fixed

0.20%

0.20%

 

 

Quarterly

18 Months Investment Saver***

$100.00

Fixed

0.40%

0.40%

 

 

Quarterly

23 Months Investment Saver***

$100.00

Fixed

0.45%

0.45%

 

 

Quarterly

Jumbo

$100,000.00

Fixed

Inquire for Rate and APY

 

 

Quarterly

 

 

 

 

 

 

 

 

*Minimum Balance: CD $1,000 / IRA $500 - ***Investment Saver Minimum CD Balance $100 - Investment Saver CD requires a monthly automatic deposit from an Old Fort Bank account

**Relationship clients must have a checking, savings, money market or loan account with the bank.    

Individual Retirement Account CDs are offered at the above interest rates with a minimum term of 15 Months;  Minimum opening deposit of $500.00, Jumbo IRA minimum opening deposit of $100,000.00; Interest paid quarterly. The Top Rate and the Investment Saver CDs are not available for IRA accounts.

Certificates of Deposit / IRA

The annual percentage yield (APY) assumes that the interest remains on deposit until maturity.  A penalty will be imposed for early withdrawal.  A withdrawal of interest will reduce earnings. Fees would reduce earnings on an account. Interest rates are subject to change.

Certificates of Deposit Disclosures

Back to the top
 

Personal / Business Accounts

Regular Savings Balance Rate APY
Minimum Opening Deposit of $0.00 $0.01 - $99.99 0.00% 0.00%
$100.00 & Over 0.05% 0.05%
IRA Variable Balance Rate APY
Minimum Opening Deposit of $250.00 $0.01 & Over 0.05% 0.05%
Journey Checking Balance Rate APY
Minimum Opening Deposit of $0.00 $0.01 & Over 0.05% 0.05%
Super Now Checking Balance Rate APY
Minimum Opening Deposit of $0.00 $0.01- $499.99 0.00% 0.00%
$500.00 & Over 0.05% 0.05%
CHOICE Club Checking Balance Rate APY
Minimum Opening Deposit of $0.00 $0.01 & Over 0.05% 0.05%
Health Savings Account Balance Rate APY
 
Minimum Opening Deposit of $0.00

 

$0.01 - $1,999.99 0.05% 0.05%
$2,000 - $9,999.99 0.10% 0.10%
$10,000.00 & Over 0.15% 0.15%
Preferred Money Market Balance Rate APY
 
Minimum Opening Deposit of $0.00

 

$0.01 - $9,999.99 0.05% 0.05%
$10,000.00 - $49,999.99 0.15% 0.15%
$50,000.00  & Over 0.25% 0.25%
The Fort Money Market Balance Rate APY

 

Minimum Opening Deposit of $0.00

 

 

 

$0.01 - $9,999.99 0.05% 0.05%
$10,000.00 - $49,999.99 0.05% 0.05%
$50,000.00 - $99,999.99 0.05% 0.05%
$100,000.00 - $249,999.99 0.10% 0.10%
$250,000.00 & Over 0.10% 0.10%
       
Business  Investment Sweep Balance Rate APY
  $0.01 & Over 0.15% 0.15%
 
All accounts listed under Personal Accounts Heading are variable rates. 
The interest rates and annual percentage yields (APY) may change at any time after account opening.

 

Back to the top
 

 

Bettsville

419-986-5101

Clyde

419-547-8995

Findlay

419-424-0458

Fostoria

419-436-1425

Fremont

419-334-2989

Old Fort

419-992-4227

Toll Free - 1-866-347-3440

Sugarcreek Twp.

937-848-6700

 

Tiffin Downtown

419-447-4790

                                                                             

Tiffin Westgate

419-447-1600

 

TOP OF PAGE

 

Disclosures

 Certificates of Deposit Disclosures

CD Interest Rates are subject to change. The annual percentage yield assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.

Early withdrawal penalties (a penalty may be imposed for withdrawal before maturity)...

  • If your account has an original term of 90 days or less:
    The fee we may impose will equal one months interest on the amount withdrawn, subject to penalty.
  • If your account has an original term of 91 days to twelve months:
    The fees we may impose will equal three months interest on the amount withdrawn, subject to penalty.
  • If your account has an original maturity of over 12 to 24 months:
    The fee we may impose will equal six months interest on the amount withdrawn, subject to penalty.
  • If your account has an original maturity of 24 months or more:
    The fee we may impose will equal 12 months interest on the amount withdrawn, subject to penalty.

In certain circumstances, such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.
 

 Personal Accounts Disclosures

Savings Account Disclosure:
  • Interest Rate Information - The interest rates and annual percentage yields may change at any time.
  • Compounding and Crediting Frequency – Interest will be compounded every 3 months. Interest will be credited back to account every 3 months.
  • Effect of Closing an Account – If you close your account before interest is credited; you will not receive the accrued interest.
  • Daily Balance Computation Method – We use the daily balance method to calculate the interest on
    your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of Interest on Noncash Deposits – Interest will begin to accrue on the business day you
    deposit noncash items (for example, checks) to your account.
  • Minimum Balance to Open – The minimum balance required to a open a Regular Savings account is $0.00. The minimum balance required to open an IRA Variable Savings account is $250.00.
  • Minimum Balance to Obtain the Disclosed Annual Percentage Yield - You must maintain a minimum daily balance of $100.00 in your Regular Savings account each day to obtain the disclosed annual percentage yield. You must maintain a minimum daily balance of $0.01 in your IRA Variable Savings account each day to obtain the disclosed annual percentage yield.
  • Deposit Limitations – You may make an unlimited number of deposits into your account.
  • Fees and Charges - To avoid an imposition of the service fee on the Regular Savings account you must meet the following requirement: a service fee of $2.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month. For any additional fees and charges that may apply, please refer to our Fee Disclosure.
  • Additional Terms - In your Regular Savings account during any calendar month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft or similar order to a third party. Additional IRA rules and regulations apply to the IRA Variable Savings account in regards to withdrawals prior to 59 ½ years old.
  • Important Notice - Savings and Money Market accounts are limited transaction accounts and are subject to Regulation D. Excessive withdrawals over the limit may result in fees, account closure, change of account type, termination of transfer capability or other remedial action.  See your account disclosure for full details

 

 Checking Account Disclosure:
  • Interest Rate Information - The interest rates and annual percentage yields may change at any time.
  • Compounding and Crediting Frequency - Interest will be compounded monthly. Interest will be
    credited monthly.
  • Effect of Closing an Account - If you close your account before interest is credited; you will not receive the accrued interest.
  • Daily Balance Computation Method - We use the daily balance method to calculate the interest on
    your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of Interest on Noncash Deposits - Interest will begin to accrue on the business day you
    deposit noncash items (for example, checks) to your account.
  • Minimum Balance to Open - The minimum balance required to open is $0.00.
  • Minimum Balance to Obtain the Disclosed Annual Percentage Yield - You must maintain a minimum daily balance of $0.01 in your account each day to obtain the disclosed annual percentage yield.
  • Deposit Limitations - You may make an unlimited number of deposits into your account.
  • Fees and Charges - The following fee and charge apply to the listed accounts:
    • To avoid the imposition of the service fee on the Journey account you must meet the following requirement: a service fee of $4.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month.
    • To avoid the imposition of the service fee on the Super Now account you must meet the following requirement: a service fee of $5.00 will be imposed every month if the balance in the account falls below $500.00 any day of the month. For any additional fees that may apply, please refer to our Fee Disclosure.
  • Additional Terms - The following additional terms apply to the Journey account; selected member check orders are free.

 

 Choice Account Disclosure:
  • Interest Rate Information - The interest rates and annual percentage yields may change at any time.
  • Compounding and Crediting Frequency – Interest will be compounded monthly. Interest will be
    credited monthly.
  • Effect of Closing an Account – If you close your account before interest is credited; you will not receive the accrued interest.
  • Daily Balance Computation Method – We use the daily balance method to calculate the interest on
    your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of Interest on Noncash Deposits – Interest will begin to accrue on the business day you
    deposit noncash items (for example, checks) to your account.
  • Minimum Balance to Open – The minimum balance required to open this account is $0.00.
  • Minimum Balance to Obtain the Disclosed Annual Percentage Yield - You must maintain a minimum daily balance of $0.01 in your account each day to obtain the disclosed annual percentage yield.
  • Deposit Limitations – You may make an unlimited number of deposits into your account.
  • Fees and Charges – No service fee, standard rates and data rates may apply.  For any additional fees that may apply, please refer to our Fee Disclosure.
  • Additional Terms - Unlimited debit card usage – eStatement required. No checks permitted on this account.
     
 Health Savings Account Disclosure:
  • Interest Rate Information - The interest rates and annual percentage yields may change at any time.
  • Compounding and Crediting Frequency – Interest will be compounded monthly. Interest will be
    credited monthly.
  • Effect of Closing an Account – If you close your account before interest is credited; you will not receive the accrued interest.
  • Daily Balance Computation Method – We use the daily balance method to calculate the interest on
    your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of Interest on Noncash Deposits – Interest will begin to accrue on the business day you
    deposit noncash items (for example, checks) to your account.
  • Minimum Balance to Open – The minimum balance required to open this account is $0.00.
  • Minimum Balance to Obtain the Disclosed Annual Percentage Yield - You must maintain a minimum daily balance of $0.01 in your account each day to obtain the disclosed annual percentage yield.
  • Deposit Limitations – You may make an unlimited number of deposits into your account,up to the annual HSA contribution limit established by the IRS for your high-deductible health plan.
  • Fees and Charges – To avoid the imposition of the service fee on a Health Savings account you must meet the following requirement: a service fee of $2.00 will be imposed every month if the balance in the account falls below $500.00 any day of the month. For additional fees and charges that may apply, please refer to our Fee Disclosure.
  • Additional Terms - A HSA is a tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical expenses of the account owner, their spouse and dependents.  To open a HSA, you must meet eligibility requirements set by the Treasury Department and IRS.

 

Preferred Money Market Account Disclosure:
  • Interest Rate Information - The interest rates and annual percentage yields may change at any time.
  • Compounding and Crediting Frequency – Interest will be compounded monthly. Interest will be
    credited monthly.
  • Effect of Closing an Account – If you close your account before interest is credited; you will not receive the accrued interest.
  • Daily Balance Computation Method – We use the daily balance method to calculate the interest onyour account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of Interest on Noncash Deposits – Interest will begin to accrue on the business day you
    deposit noncash items (for example, checks) to your account.
  • Minimum Balance to Open – The minimum balance required to open this account is $0.00.
  • Minimum Balance to Obtain the Disclosed Annual Percentage Yield - You must maintain a minimum daily balance of $0.01 in your account each day to obtain the disclosed annual percentage yield.
  • Deposit Limitations – You may make an unlimited number of deposits into your account.
  • Fees and Charges – To avoid the imposition of the service fee on a Preferred Money Market account you must meet the following requirement: a service fee of $10.00 will be imposed every month if the balance in the account falls below $5000.00 any day of the month. For any additional fees and charges that may apply, please refer to our Fee Disclosure.
  • Additional Terms - During any calendar month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft or similar order to a third party.
  • Important Notice - Savings and Money Market accounts are limited transaction accounts and are subject to Regulation D. Excessive withdrawals over the limit may result in fees, account closure, change of account type, termination of transfer capability or other remedial action.  See your account disclosure for full details. 

 

The Fort Money Market Account Disclosure:
  • Interest Rate Information - The interest rates and annual percentage yields may change at any time.
  • Compounding and Crediting Frequency – Interest will be compounded monthly. Interest will be  credited monthly.
  • Effect of Closing an Account – If you close your account before interest is credited; you will not receive the accrued interest.
  • Daily Balance Computation Method – We use the daily balance method to calculate the interest on
    your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of Interest on Noncash Deposits – Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
  • Minimum Balance to Open – The minimum balance required to open this account is $0.00.
  • Minimum Balance to obtain the disclosed annual percentage yield: - You must maintain a minimum daily balance of $0.01 in your account each day to obtain the disclosed annual percentage yield.
  • Deposit Limitations – You may make an unlimited number of deposits into your account.
  • Fees and Charges – To avoid the imposition of the service fee on The Fort Money Market account you must meet the following requirement: a service fee of $10.00 will be imposed every month if the balance in the account falls below $1000.00 any day of the month. For any additional fees and charges please refer to our Fee Disclosure
  • Additional Terms - During any calendar month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft or similar order to a third party.
  • Important Notice - Savings and Money Market accounts are limited transaction accounts and are subject to Regulation D. Excessive withdrawals over the limit may result in fees, account closure, change of account type, termination of transfer capability or other remedial action.  See your account disclosure for full details. 

 

 Business Extra Eligibility
Sole Proprietorship, certain non-profit organizations and government units. For full details contact a new account representative at any of our Old Fort Bank Financial Centers

 
TOP OF PAGE