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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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2.17
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2.15
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182 Day
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2.41
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2.40
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1 Year
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2.52
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2.50
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2 Year
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2.78
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2.75
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3 Year
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3.03
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3.00
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$10,000 - $24,999.99
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91 Day
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2.27
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2.25
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182 Day
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2.52
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2.50
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1 Year
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2.63
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2.60
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2 Year
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2.83
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2.80
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3 Year
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3.14
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3.10
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$25,000 - $99,999
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91 Day
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2.41
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2.40
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182 Day
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2.67
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2.65
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1 Year
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2.93
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2.90
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2 Year
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3.19
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3.15
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3 Year
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3.34
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3.40
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Over $100,000
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91 Day
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2.42
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2.40
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182 Day
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2.67
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2.65
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1 Year
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2.93
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2.90
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2 Year
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3.19
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3.15
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3 Year
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3.40
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3.34
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CD Special**
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48 month
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3.96
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4.00
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*APY = Annual Percentage Yields are effective 07/03/2008
** $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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2.78
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2.75
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$10,000 - $24,999.99
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2.83
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2.80
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$25,000 - $99,999.99
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3.19
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3.15
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*APY = Annual Percentage Yields are effective 07/03/2008, 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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.50
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.50
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$10,000 - $24,999.99
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1.76
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1.75
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$25,000 - AND OVER
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2.22
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2.20
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*APY = Annual Percentage Yields are effective 07/03/2008, 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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.40
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.40
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$2,500 - $9,999.99
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.65
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.65
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$10,000 - $24,999.99
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.9
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.9
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Over $25,000
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1.16
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1.15
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*APY = Annual Percentage Yields are effective 07/03/2008, 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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.90
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.90
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$2,500 - $9,999.99
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1.15
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1.15
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$10,000 - AND OVER
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1.41
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1.40
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*APY = Annual Percentage Yields are effective 07/03/2008, 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 07/03/2008, are variable, and are subject to change. Fees may reduce earnings. Minimum balance to receive interest is $1,000.
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