BEWARE THIS HOLIDAY SEASON!
Scammers are on the rise, taking advantage of the festive chaos!

PLEASE DO NOT CLICK THE LINK.
DO NOT GIVE OUT YOUR PASSWORD.

Beware of suspicious texts or calls asking if you tried to purchase items on your debit card.
People continue to receive text alerts about unauthorized amounts with suspicious links for customers to click if they don’t recognize the charge. Don’t click it! The fraudulent link redirects you to a site mimicking your financial institution’s online banking. Once you enter your username and password, scammers contact you via a spoofed number that appears to be from the financial institution to request the code you receive. From there, they take control of your online banking and total control of your funds entirely. Always log in to our website or secure Mobile Banking App to ensure the utmost security for your online banking. By accessing your account directly through our trusted platforms, you can be confident that your personal and financial data are well-protected. Call our Customer Support Center at (270) 982-4TCB when in doubt. Remember, you can also use the chat feature on our website, Online Banking, or the Mobile Banking App!

The U.S. Department of Treasury offers some insight on how to avoid common holiday scams.
Securing the Season: Preventing Holiday Cybercrime and Fraud

Ability To Earn Interest

Earn interest on your checking, savings and CD accounts! See our Interest Rates below.

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Interest Rate Accurate As Of: November 30, 2023

Short Term Deposit - Certificate of Deposit (CDs)

Type of Account/Term

Minimum Opening Balance

Minimum Opening Balance to Obtain APY ¹

Compounding Frequency

Interest Rate

APY
^{1, 2}

Fixed 3 mo.

$1,000

Quarterly

1.00%

Fixed 6 mo.

$1,000

Quarterly

1.74%

1.75%

Fixed 9 mo.

$10,000

Quarterly

5.25%

5.35%

Fixed 11 mo.

$10,000

Quarterly

4.33%

4.40%

Fixed 12 mo.

$1,000

Quarterly

2.48%

2.50%

Fixed 18 mo.

$10,000

Quarterly

5.29%

5.40%

Fixed 21 mo.

$1,000

Quarterly

3.21%

3.25%

Long Term Deposit - Certificate of Deposit (CDs)

Type of Account/Term

Minimum Opening Balance

Minimum Daily Balance to Obtain APY ¹

Compounding Frequency

Interest Rate

APY
^{1, 2}

Fixed 24 mo.

$1,000

Quarterly

3.21%

3.25%

Fixed 27 mo.

$1,000

Quarterly

3.46%

3.50%

Fixed 30 mo.

$1,000

Quarterly

3.46%

3.50%

Fixed 36 mo.

$1,000

Quarterly

3.46%

3.50%

Fixed 48 mo.

$1,000

Quarterly

3.70%

3.75%

Fixed 60 mo.

$1,000

Quarterly

3.70%

3.75%

Fixed 72 mo.

$1,000

Quarterly

3.70%

3.75%

Checking and Savings Accounts

Type of Account

Minimum Opening Balance

Minimum Daily Balance to Obtain APY ¹

Compounding Frequency

Interest Rate

APY
^{1, 3, 4}

Choice Savings Account

$50

Quarterly

0.05%

Power $avings Account

$50,000

Quarterly

2.48%

2.50%

Health Savings Account

$100

0-$2,499.99
$2,500-$9,999.99
$10,000 & Up

Monthly
Monthly
Monthly

0.01%
0.02%
0.035%

0.01%
0.02%
0.04%

NOW Account Checking

$1,000

$500

Monthly

0.01%

Choice Plus Checking

$100

$1,000

Monthly

0.01%

Choice Gold & Choice 50 Gold Checking

$100

Base Rate: $1,000
Tier 2: $1,000
Tier 3: $1,000
Tier 4: $1,000
Tier 5: $1,000
Tier 6: $1,000

Monthly
Monthly
Monthly
Monthly
Monthly
Monthly

0.01%
0.01%
0.01%
0.02%
0.03%
0.04%

Easy Money Investment Checking

$10,000

Monthly

0.08%

Business Partner Money Market

$10,000

Monthly

0.05%

Regular Money Market Fund

$2,500

Under $500
$500-$2,499.99
$2,500-$9,999.99
$10,000 & Up

N/A
Monthly
Monthly
Monthly

N/A
0.01%
0.01%
0.02%

Individual Retirement Accounts (IRAs)

Type of Account/Term

Minimum Opening Balance

Minimum Daily Balance to Obtain APY 1

Compounding Frequency

Interest Rate

APY
^{1, 2}

Fixed 3 mo.

$100

Quarterly

0.05%

Fixed 12 mo.

$100

Quarterly

4.91%

5.00%

Fixed 18 mo.

$100

Quarterly

5.15%

5.25%

Fixed 24 mo.

$100

Quarterly

3.21%

3.25%

Fixed 30 mo.

$100

Quarterly

3.46%

3.50%

Fixed 36 mo.

$100

Quarterly

3.46%

3.50%

Fixed 48 mo.

$100

Quarterly

3.94%

4.00%

Fixed 60 mo.

$100

Quarterly

3.94%

4.00%

Business Partner Investment Checking, Community Partner Investment Checking, TGIF Money Market

Type of Account

Minimum Opening Balance

Minimum Balance to Obtain APY ¹

Interest Rate

APY
^{1, 3, 4}

Business Partner Investment Checking

$100

$0.01-$999.99
$1,000-$2,499.99
$2,500-$9,999.99
$10,000-$24,999.99
$25,000-$49,999.99
$50,000-$99,999.99
$100,000 & Up

------
0.01%
0.01%
0.01%
0.02%
0.03%
0.04%

Community Partner Investment Checking

$100

$0.01-$999.99
$1,000-$2,499.99
$2,500-$9,999.99
$10,000-$24,999.99
$25,000-$49,999.99
$50,000-$99,999.99
$100,000 & Up

------
0.01%
0.01%
0.01%
0.02%
0.03%
0.04%

TGIF Money Market

$2,500

$0.01-$999.99
$1,000-$2,499.99
$2,500-$9,999.99
$10,000-$24,999.99
$25,000-$49,999.99
$50,000-$99,999.99
$100,000 & Up

------
0.01%
0.02%
0.03%
0.04%
0.05%
0.06%

MAX⁵ Index

Balance Levels ⁶

Percentage

Index

Interest
Rate

APY
^{1, 3, 7}

$0 - $9,999.99

0% of average Fed Funds Rate

5.1500%

0.00%

$10,000 - $24,999.99

.19% of average Fed Fund Rate

5.1500%

0.01%

$25.000 - $99,999.99

.39% of average Fed Fund Rate

5.1500%

0.02%

$100,000 - $249,999.99

.97% of average Fed Fund Rate

5.1500%

0.05%

$250,000 - $999,999.99

1.36% of average Fed Fund Rate

5.1500%

0.07%

$1,000,000 - $249,999.99

1.94% of average Fed Fund Rate

5.1500%

0.10%

$2,500,000 - $4,999,999.99

13.59% of average Fed Fund Rate

5.1500%

0.70%

$5,000,000 - $9,999,999.99

26.21% of average Fed Fund Rate

5.1500%

1.35%

1.36%

$10,000,000 or more

52.43% of average Fed Fund Rate

5.1500%

2.70%

2.73%

Annual Percentage Yield.
A penalty may be imposed for early withdrawal.
Variable Interest Rate Accounts: The annual percentage yield may change after opening the account. Fees and/or other conditions could reduce earnings. Rates are subject to change daily.
Other than The Cecilian Bank website, Rates from online sources will not be recognized.
Not FDIC insured.
There is investment risk, including the possible loss of value.
The rate of interest is based on a percentage of the monthly average of the Fed Funds Rate paid by Independent Correspondent Banker’s Bank.

PLEASE DO NOT CLICK THE LINK. DO NOT GIVE OUT YOUR PASSWORD.

Ability To Earn Interest

Interest Rate Accurate As Of: November 30, 2023

Short Term Deposit - Certificate of Deposit (CDs)

Long Term Deposit - Certificate of Deposit (CDs)

Checking and Savings Accounts

Individual Retirement Accounts (IRAs)

Business Partner Investment Checking, Community Partner Investment Checking, TGIF Money Market

MAX5 Index

PLEASE DO NOT CLICK THE LINK.
DO NOT GIVE OUT YOUR PASSWORD.

MAX⁵ Index