Open an Account

• Free ATM / Debit Card
• NO Minimum Balance
• NO Service Charges
• Monthly Imaged Statements (canceled checks & deposit slips)
• Free Online Banking
• Overdraft Privilege (ODP) (for qualified account holders)

Inactive Service Charge Fee: $10.00

• Free ATM withdrawals nationwide¹ (No monthly fees & no minimum balance)
• Base rate of .15% APY²
• Earn Reward Rates
• 2.03% APY² on balances up to $20,000
• .35% APY² on balances over $20,000
• Overdraft Privilege (ODP) (for qualified account holders)

¹ ATM refunds up to $20 per qualification cycle if requirements are met.

²  2.03% Annual Percentage yield (APY) paid on balances between one penny and $20,000, and .35% APY paid on all amounts above $20,000 each qualification cycle the minimum requirements are met. If you do not meet the requirements per qualification cycle, your account will still function as a free checking account earning .15% APY; however, it will not receive ATM refunds for that time period. Rates as of November 22, 2022. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. Available to Personal Accounts only. No monthly service charge.

Our Money Market account offers you an ease of mind with a “best of both worlds” approach.  Have immediate access to your money when necessary, yet maintain its earning potential with a highly competitive interest rate.  Contact one of our New Account Representatives today to learn more about this investment opportunity.
 

Interest-bearing bank accounts that allow you to write drafts against money held in the account. A NOW account requires a lower minimum opening balance than a Super NOW account, but earns a lower interest rate.

• Minimum Opening Balance: $1,000.00
• Fee Per Withdrawal: none
• Dormant Account Fee: $10.00 per month after 1 year
• Inactive Service Charge Fee: $10.00
• Service Charge: $15.00 per month if average daily collected balance falls below $1,000.00
• Overdraft Privilege (ODP) (for qualified account holders)

• Requires a higher minimum opening balance than NOW accounts, but offer a higher interest rate.
• Minimum Opening Balance: $2,500.00
• Fee Per Withdrawal: none
• Dormant Account Fee: $10.00 per quarter after 1 year
• Inactive Service Charge Fee: $10.00
• Service Charge: $15.00 per month if average daily collected balance falls below $2,500.00
• Overdraft Privilege (ODP) (for qualified account holders)

• Minimum Opening Balance¹ : $50.00 (A service charge of $7.50 will be charged if the balance falls below $50.00 during the quarter)
• Fee Per Withdrawal: $5.00 per withdrawal after 3 per month
• Minimum Balance to Earn Interest¹ : $50.00
• Compounding Frequency: Quarterly
• Dormant Account Fee: $10.00 per quarter after 1 year
• Interest Payment Frequency: Quarterly (March 1st, June 1st, September 1st, December 1st)
• Replacement Passbook: $5.00

¹ Minimum balance does not apply to students

Flora Bank & Trust offers CD terms of 182 days up to 60 months. We have several different interest payment options to fit your financial needs. 

CD rates are subject to change weekly and are updated on a weekly basis.

**Certificates of Deposit are insured by the FDIC.