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Certificates of Deposit
(Tiers based on total certificate of deposit relationship)
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Tier
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Term
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*APY
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Interest Rate
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$500 - $9,999.99
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91 Day
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1.36
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1.35
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182 Day
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1.61
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1.60
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1 Year
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1.71
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1.70
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2 Year
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1.96
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1.95
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3 Year
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2.22
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2.20
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$10,000 - $24,999.99
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91 Day
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1.46
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1.45
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182 Day
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1.71
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1.70
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1 Year
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1.81
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1.80
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2 Year
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2.02
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2.00
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3 Year
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2.32
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2.30
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$25,000 - $99,999
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91 Day
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1.61
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1.60
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182 Day
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1.86
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1.85
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1 Year
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2.12
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2.10
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2 Year
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2.37
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2.35
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3 Year
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2.63
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2.60
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Over $100,000
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91 Day
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1.61
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1.60
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182 Day
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1.86
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1.85
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1 Year
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2.12
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2.10
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2 Year
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2.37
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2.35
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3 Year
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2.63
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2.60
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*APY = Annual Percentage Yields are effective 11/04/2009
** $5,000 MInimum, one time step up rate during term.
Penalty for Early Withdrawal for a Certificate term of 1 year or less is 3 months interest. If Certificate term is greater than 1 year, the penalty is 6 months interest.
**$500 Minimum Plus Deposit Account Relationship.
FDIC Insurance up to $100,000 per depositor. For more information, call 320-859-2101.
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Retirement Investment Account
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Tier
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*APY
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Interest Rate
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$500 - $9,999.99
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1.97
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1.95
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$10,000 - $24,999.99
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2.02
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2.00
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$25,000 - $99,999.99
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2.38
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2.35
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*APY = Annual Percentage Yields are effective 11/04/2009, are variable, and are subject to change. Fees may reduce earnings.
IRA accounts are also available in all fixed rate terms. A $25.00 transfer fee will be assessed when closing a Certificate of Deposit of Savings Retirement Account and transferring the funds outside the Bank.
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The Investor's Account
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Tier
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*APY
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Interest Rate
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$1 - $9,999.99
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.20
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.20
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$10,000 - $24,999.99
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1.01
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1.00
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$25,000 - AND OVER
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1.16
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1.15
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*APY = Annual Percentage Yields are effective 11/04/2009, are variable, and are subject to change. Minimum balance to open account is $5,000. Fees may reduce earnings.
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Savings Accounts
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Tier
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*APY
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Interest Rate
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$200 - $2,499.99
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.25
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.25
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$2,500 - $9,999.99
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.50
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.50
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$10,000 - $24,999.99
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.75
|
.75
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Over $25,000
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1.01
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1.00
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*APY = Annual Percentage Yields are effective 11/04/2009, are variable, and are subject to change. Fees may reduce earnings.
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Youth Savers Account/Money Beez
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Tier
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*APY
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Interest Rate
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$01 - $2,499.99
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.75
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.75
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$2,500 - $9,999.99
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1.00
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1.00
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$10,000 - AND OVER
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1.26
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1.25
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*APY = Annual Percentage Yields are effective 11/04/2009, are variable, and are subject to change. Fees may reduce earnings.
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NOW Accounts
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*APY
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Interest Rate
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.15
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.15
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*APY = Annual Percentage Yields are effective 11/04/2009, are variable, and are subject to change. Fees may reduce earnings. Minimum balance to receive interest is $1,000.
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