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Oconee State Bank

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Oconee State Bank Rates & Review August 2026

Q: How many branches does Oconee State Bank operate?

Oconee State Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Oconee State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oconee State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Oconee State Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Oconee State Bank, and you can see how they compare in the Oconee State Bank rate tables below. MonitorBankRates evaluates the financial stability of Oconee State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.07%. Database rates last updated and verified on 08/29/2026.

Oconee State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Oconee State Bank? Share your experience about Oconee State Bank by leaving a review below, or read customer reviews before you decide to use Oconee State Bank.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.07%

Excellent Higher than avg

Oconee State Bank

35 N Main St
Watkinsville, GA 30677

https://www.oconeestatebank.com

Current Rate Availability

We're not currently displaying rates for Oconee State Bank, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Oconee State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Oconee State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Oconee State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Oconee State Bank

Bank Holding Company OCONEE FINANCIAL CORP

Address 35 N Main St, Watkinsville, GA 30677 · Oconee

Website https://www.oconeestatebank.com

FDIC Certificate # 18143

Established 02/01/1960

FDIC Insurance Date 02/01/1960

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.07%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3507%

Return on Equity (ROE) 18.4700%

Non-Performing Loans (NPL) 0.71%

Total Assets $733,880,000

Total Deposits $649,631,000

Equity Capital $66,687,000

Net Income $6,595,000

Headquarters Watkinsville

Total Branches and Offices 7

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Oconee State Bank

How many branches does Oconee State Bank operate?

Oconee State Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Oconee State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oconee State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Oconee State Bank offer online and mobile banking?

Most modern institutions like Oconee State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oconeestatebank.com.