Interest Rates & Fees

Interest Rates

Account Product Name

Min. Opening Deposit

Min. Balance To Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield (APY)

NOW Accountb

$1,500.00

Amounts Greater than 0

0.25%

0.25%

Christmas Club Savingsa,b

$5.00

Amounts Greater than 0

0.10%

0.10%

Savingsb

$50.00

Amounts Greater than 0

0.05%

0.05%

Money Market Savingsb

$2,500.00

Amounts Greater than 0 

0.05%

0.05%

IRAa,b

$50.00

Amounts Greater than 0

0.45%

 0.45%

91 Day CDa

 $2,500.00

 Amounts Greater than 0

1.00%

 1.004%

182 Day CDa

$2,500.00

Amounts Greater than 0

 2.50%

2.52%

9 Month CDa

$5,000.00

Amounts Greater than 0

 3.00%

 3.03%

12 Month CDa

$5,000.00

Amounts Greater than 0

 3.25%

3.29%

The FDIC Improvement Act of 1991 contained within it the “Truth in Savings” Act. The purpose of "Truth in Savings" is to enable consumers to make informed decisions about deposit accounts in depository institutions. Listed above are current interest rates for some of the accounts we offer. In our effort to remain competitive in the ever-changing marketplace, please note that rates, fees, and services may change at any time. Thank you for choosing Sabine State Bank and Trust Company.

Footnotes
(a) A penalty will be imposed for early withdrawal.
(b) The interest rate and annual percentage yield may change after account opening.
 

Important Notes

  • Fees could reduce the earnings on the account.
     
  • Interest Rates and Annual Percentage Yields are current as of July 17, 2023.
     
  • For current rate information call (318) 256-7000.

 

Additional Services & Fees

Occasionally, you need something out of the ordinary. Listed below you will find the "little extras" we offer and their applicable fees. Please note that these fees may change at any time.

Description of Fee

Amount

ATM / Debit Replacement Card:

$5.00 per card

Account Activity Printout:

$1.00 per page

ACH Stop Payment:

$35.00 per transaction

Account Balance Inquiry:

$1.00 per account

Account Research/ Reconciliation:

$15.00 per hour

Telephone Funds Transfer (Interbank):

$5.00 per transfer

Check Cashing Fee (Non-customer):

1% of check amount

Personal Money Order:

$2.00 each

Wire Transfer (Domestic):

$30.00 per each outgoing wire

Wire Transfer (International):

$75.00 per each outgoing wire

Wire Transfer (account holder):

$15.00 per each incoming wire

Collection Items (outgoing):

$10.00 each plus postage fees

Collection Items (incoming):

$5.00 each plus external bank charges

Document Copies (paper):

$0.25 per page

Fax Machine:

$5.00 for 1st page; $1.00 per additional page

Cashier’s Checks:

$7.50 each

Snap Shot Account Statement:

$1.00 per account

Lock Bag (first):

$10.00

Lock Bag (all others):

$15.00 each

Large Zipper Bag:

$3.00 each

Small Zipper Bag:

$2.00 each

Duplicate Loan Book:

$2.00 each

Duplicate Checkbook Cover:

$2.00 each

Duplicate Check Register:

$1.00 each

Duplicate Savings Cover:

$1.00 each

Duplicate Savings Register:

$1.00 each

Legal Processes affecting your account (i.e., Garnishments, Citations, or other):

$25.00 each

Large Currency Orders:

$0.06/ roll of coin; $0.25 /$100 of currency

Temporary Checks:

$1.00 per sheet

Night Deposit Key Replacement:

$2.00 each

Other Account Fees

Description of Fee

Amount

The following fees apply to Demand Deposit and Savings Accounts:

Overdraft Charge:

$35.00 per item

Stop Payment Charge:

$35.00 per item

Balancing of Statement Fee:

$15.00 per hour

Dormant Account Fee:

$1.00 per month

Insufficient Funds Charge:

$35.00 per presentment