Bank · FDIC insured
Concordia Bank & Trust Co. Savings Rates
Concordia Bank & Trust Co.’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Concordia Bank & Trust Co.’s savings rates compare
Compared with banks and credit unions near Natchez, MS-LA, where Concordia Bank & Trust Co. has the most branches. $10,000, best rate first.
This bank’s best
Concordia Bank & Trust Co.
0.50%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Home Bank
3.04%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $304
3rd-highest rate
One South Federal Credit Union
0.10%APY
- Minimum
- $25
- Earns on $10,000 a year
- $10
Concordia Bank & Trust Co. savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Concordia Bank & Trust Co. ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.50%APY
Requires a minimum opening deposit of $1,000.00. A monthly service charge of $10.00 applies if the ledger balance falls below $1,500.00 during the statement period. Limited to six withdrawals/transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Monthly service charge of $10.00 is avoided with a minimum ledger balance of $1,500.00. | 0.50% | $50 | Monthly service charge of $10.00 is avoided with a minimum ledger balance of $1,500.00. |
| $50,000 – $100,000Monthly service charge of $10.00 is avoided with a minimum ledger balance of $1,500.00. | 1.51% | — | Monthly service charge of $10.00 is avoided with a minimum ledger balance of $1,500.00. |
| $100,000 – $500,000Monthly service charge of $10.00 is avoided with a minimum ledger balance of $1,500.00. | 2.02% | — | Monthly service charge of $10.00 is avoided with a minimum ledger balance of $1,500.00. |
| $500,000 and upMonthly service charge of $10.00 is avoided with a minimum ledger balance of $1,500.00. | 2.02% | — | Monthly service charge of $10.00 is avoided with a minimum ledger balance of $1,500.00. |
Sources (2)
All captured Sep 18, 2026
Blue Chip Savings
0.50%APY
Minimum opening deposit of $100.00. $9.00 quarterly service charge assessed if ledger balance falls below $300.00 at any time during the quarter; fee waived for accountholders 18 and under, full-time students, or seniors age 62 and over.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable interest rate. Interest is compounded quarterly and credited quarterly. $9.00 quarterly service charge if ledger balance falls below $300.00 during the quarter (waived if 18 or under, full-time student, or age 62+). $3.00 excess withdrawal/transfer charge for each withdrawal/transfer over 3 per quarter. Preauthorized/automatic/telephone transfers limited to 6 per month.Any balance | 0.50% | $50 | Variable interest rate. Interest is compounded quarterly and credited quarterly. $9.00 quarterly service charge if ledger balance falls below $300.00 during the quarter (waived if 18 or under, full-time student, or age 62+). $3.00 excess withdrawal/transfer charge for each withdrawal/transfer over 3 per quarter. Preauthorized/automatic/telephone transfers limited to 6 per month. |
Special-purpose accounts
Traditional IRA (Variable Rate)
3.80%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsCompounded Quarterly. Penalty may be imposed for early withdrawal | 3.80% | $575 |
Sources (1)
- concordiabank.com/rates · captured Sep 18, 2026
Bank at School
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable interest rate. Interest is compounded quarterly.Any balance | 0.50% | $50 | Variable interest rate. Interest is compounded quarterly. |
Sources (1)
- concordiabank.com/rates · captured Sep 18, 2026
Christmas Club
0.50%APY
Requires regular electronic deposits and maintaining an active checking or savings account with the bank. Partial withdrawals are not allowed. Entire account balance plus interest is transferred to designated deposit account by end of October each year. $5.00 early closing fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable interest rate. Interest does not compound; credited annually at maturity. Requires regular electronic deposits and maintaining an active checking or savings account with the bank. Partial withdrawals not allowed; balance plus interest disbursed by automatic transfer to designated account by end of October annually. $5.00 early closing fee applies.Any balance | 0.50% | $50 | Variable interest rate. Interest does not compound; credited annually at maturity. Requires regular electronic deposits and maintaining an active checking or savings account with the bank. Partial withdrawals not allowed; balance plus interest disbursed by automatic transfer to designated account by end of October annually. $5.00 early closing fee applies. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.