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Personal Rates

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer. The rates below are the posted rates for Town & Country Bank and Trust Company for the certificates of deposit and interest-earning accounts listed. Rates may vary among branches and may vary if amounts, terms or other conditions vary from those posted.
 
Product Minimum Opening Deposit Annual Percentage Yield
91 Day Certificate of Deposit $1,000.00 0.05%
182 Day Certificate of Deposit $1,000.00 0.15%
12 Month Certificate of Deposit $1,000.00 0.20%
24 Month Certificate of Deposit $1,000.00 0.25%
36 Month Certificate of Deposit $1,000.00 0.30%
48 Month Certificate of Deposit $1,000.00 0.35%
60 Month Certificate of Deposit $1,000.00 0.40%
IRA - 12 Month Certificate of Deposit $1,000.00 0.20%
IRA - 24 Month Certificate of Deposit $1,000.00 0.25%
IRA - 36 Month Certificate of Deposit $1,000.00 0.30%
IRA - 48 Month Certificate of Deposit $1,000.00 0.35%
IRA - 60 Month Certificate of Deposit $1,000.00 0.40%
 

 A penalty will be imposed for early withdrawal. 

Minimum Opening Deposit: $50.00
 
Product Tiered Interest Rate Minimum Balance to Obtain APY Annual Percentage Yield 
 Savings  Daily Balances of: up to $9,999.99  $0.00  0.05%

 Daily Balances of: $10,000.00 and up  $10,000.00  0.05%
 The interest rate and annual percentage yield may change after account opening.
Minimum Opening Deposit: $1,000.00
 
Product Tiered Interest Rate Minimum Balance to Obtain APY Annual Percentage Yield
Interest Earning Daily Balances of: up to $9,999.99 $0.00 0.05%

Daily Balances of: $10,000.00 and up $10,000.00 0.05%
The interest rate and annual percentage yield may change after account opening
Minimum Opening Deposit: $2,000.00
Product
 Tiered Interest Rate Minimum Balance to Obtain APY Annual Percentage Yield
Money Market $2,000.00 - $24,999.99 $2,000.00 0.05%

$25,000.00 - $49,999.99 $25,000.00 0.05%

$50,000.00 - $99,999.99 $50,000.00 0.05%

$100,000.00 - $999,999.99 $100,000.00 0.10%

$1,000,000.00 and up $1,000,000.00 0.10%
The interest rate and annual percentage yield may change after account opening.
Minimum Opening Deposit: $100.00
 
Product Tiered Interest Rate Minimum Balance to Obtain APY Annual Percentage Yield
Worry Free Checking* Daily Balances of: up to $9,999.99 $0.00 0.05%

Daily Balances of: $10,000.00 and up $10,000.00 0.05%
The interest rate and annual percentage yield may change after account opening.
*One account owner must be age 50 or older to open this account.





Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are current as of April 12, 2022. For the most current rate information call 502-348-3911.