State Bank of Scotia

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Certificates of Deposit

Certificates of Deposit are available for the following terms: 91 day, 182 day, 12 month, 18 month, 30 month

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Rate Information:
Interest rates and annual percentage yields (A.P.Y.) are determined on a periodic basis.  A separate rate sheet is available for the current rates.

Compounding frequency:
Interest will be compounded every quarter.

Crediting Frequency:
Interest will be credited to your account every quarter, unless contracted otherwise.

Minimum balance to open the account:
You must deposit $1,000.00 to open this account.

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 begins to accrue on the business day you deposit noncash items (for example, check).

Transaction limitations:

  • You may not make any deposits into your account before maturity.
  • You may not make withdrawals of principal from your account before maturity.
  • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.
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104 S Main Street
Scotia, NE 68875

M-F: 8:45 AM–4:15 PM
Sat: 8:45 AM–Noon

(308) 245-4201

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