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Rates

Tandem provides competitive rates across all of our interest-bearing accounts, including business savings accounts, money market accounts, certificates of deposit, Individual Retirement Accounts, and personal checking accounts.

Deposit Rates as of September 29, 2020

Interest Checking Account

$0- $1,499.99 Personal Interest Checking Account Rates

0.05%
Interest Rate

0.05%
APY

MINIMUM OPENING DEPOSIT: $50

$1,500 and over Personal Interest Checking Account Rates

0.10%
Interest Rate

0.10%
APY

MINIMUM OPENING DEPOSIT: $50

• APY = Annual Percentage Yield
• More terms are available by contacting us at ‭(770) 281-9880. Please see our Schedule of Fees for details.
• Other fees such as Insufficient Funds Item Fees, etc. may apply.
• Interest rate subject to change after the account is opened
• Fees could reduce earnings on this account

Money Market Account

$50,000 – 99,999.99 Money Market Account Rates

0.55%
Interest Rate

0.55%
APY

MINIMUM OPENING DEPOSIT: $50

$100,000 – 249,999.99 Money Market Account Rates

0.65%
Interest Rate

0.65%
APY

MINIMUM OPENING DEPOSIT: $50

$250,000.00 and over Money Market Account Rates

0.75%
Interest Rate

0.75%
APY

MINIMUM OPENING DEPOSIT: $50

• APY = Annual Percentage Yield
• More terms are available by contacting us at ‭(770) 281-9880. Please see our Schedule of Fees for details.
• Other fees such as Insufficient Funds Item Fees, etc. may apply.
• Interest rate subject to change after the account is opened
• Fees could reduce earnings on this account

Savings Account

Savings Account Rates

0.05%
Interest Rate

0.05%
APY

MINIMUM OPENING DEPOSIT: $50

• APY = Annual Percentage Yield
• More terms are available by contacting us at ‭(770) 281-9880. Please see our Schedule of Fees for details.
• Other fees such as Insufficient Funds Item Fees, etc. may apply.
• Interest rate subject to change after the account is opened
• Fees could reduce earnings on this account

Business Interest Checking Account

$0- $2,499.99 Business Interest Checking Account Rates

0.05%
Interest Rate

0.05%
APY

MINIMUM OPENING DEPOSIT: $50

$2,500 and over Business Interest Checking Account Rates

0.10%
Interest Rate

0.10%
APY

MINIMUM OPENING DEPOSIT: $50

• APY = Annual Percentage Yield
• More terms are available by contacting us at ‭(770) 281-9880. Please see our Schedule of Fees for details.
• Other fees such as Insufficient Funds Item Fees, etc. may apply.
• Interest rate subject to change after the account is opened
• Fees could reduce earnings on this account

Lawyers Trust Account (IOLTA)

IOLTA Rates

0.10%
Interest Rate

0.10%
APY

MINIMUM OPENING DEPOSIT: $50

• APY = Annual Percentage Yield
• More terms are available by contacting us at ‭(770) 281-9880. Please see our Schedule of Fees for details.
• Other fees such as Insufficient Funds Item Fees, etc. may apply.
• Interest rate subject to change after the account is opened
• Fees could reduce earnings on this account

CD & IRA Interest Rates

12 Months CD & IRA Rates

0.85%
Interest Rate

0.85%
APY

MINIMUM OPENING: $5,000

18 Months CD & IRA Rates

0.90%
Interest Rate

0.90%
APY

MINIMUM OPENING: $5,000

24 Months CD & IRA Rates

1.00%
Interest Rate

1.01%
APY

MINIMUM OPENING: $5,000

• APY = Annual Percentage Yield
• More terms are available by contacting us at ‭(770) 281-9880. Please see our Schedule of Fees for details.
• 3 month CD and IRA terms are not available
• Subject to penalty for early withdrawal.

Disclosures

We Do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410

For processing under the Federal Fair Housing Act and to:
FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, Missouri 64106

For processing under FDIC regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age,
• Because income is from public assistance, or
• Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, Missouri 64106

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

These data are available online at the Consumer Financial Protection Bureau’s website (https://www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website.

ANNUAL DISCLOSURE STATEMENT

The Federal Reserve Board requires State-Chartered Banks that are members of the Federal Reserve System to Prepare, and make available on request, free of charge, annual disclosure statements of the bank’s financial condition.

Copies of annual statement may be obtained from:
Kellie Pressnall
2356 Main Street
Tucker, GA 30084
Phone: 770-281-9880

COMMUNITY REINVESTMENT ACT NOTICE

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Director, FDIC, 10 Tenth Street, NE, Suite 800, Atlanta, GA 30309-3415.

You may send written comments about our performance in helping to meet community credit needs to:

Charles DeWitt, CEO
Tandem Bank
2356 Main Street
Tucker, GA 30084

and FDIC Regional Director. You may also submit comments electronically through the FDIC’s Web site at www.fdic.gov/regulations/cra. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC.

USA PATRIOT ACT
Customer Identification Requirements

In accordance with section 326 of the USA Patriot Act, applicants for new accounts are requested to provide identity including name, address and other identifying information.

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, protection of our customers’ identity and confidentiality is our pledge to you.

We proudly support all efforts to protect and maintain the security of our customers and our country.

FUNDS AVAILABILITY POLICY

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit. Please review the policy here.

ELECTRONIC COMMUNICATION POLICY

The Electronic Communication Policy is available for review. Please review the policy here.

FAQs

Q: What is Tandem Bank’s routing number?
A: Our routing number is: 061121452