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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Oconee State Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
You can compare Oconee State Bank rates to other rates in our database, including 12-month CD rates currently at 1.40%, 6-month CD rates at 0.75% and 3-month CD rates at 0.24%. Savings rates are at 0.02% and money market rates are at 3.30%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to Oconee State Bank rates. 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%. Rates were last updated on 03/28/2026. 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. 
Oconee State Bank Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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 & AssetsA
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 Offices
7
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Oconee State BankIs Oconee State Bank a safe place to deposit money?Yes, Oconee State Bank is considered a safe financial institution. With a Texas Ratio of 12.073375890121%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Banks
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