Interest Rates
Effective March 20, 2023
15 MONTH SPECIAL*
| Term |
Minimum |
Interest Rate |
APY |
15 Month
|
$2,500
|
3.96%
|
4.00%
|
33-MONTH BUMP UP CD SPECIAL
| Term |
Minimum |
Interest Rate |
APY |
| 33 Month |
$2,500 |
3.25% |
3.28% |
Get 3.25% for 33 months with our new bump-up CD special. If interest rates rise, you'll be able to 'bump up' your rate one time during the original term!**
Call to Get Started
Story City: 515-733-3136 | Garner: 641-923-2801
Certificates of Deposit
|
$2,500 Minimum |
$10,000 Minimum |
$25,000 Minimum |
| Term |
Interest Rate |
APY |
Interest Rate |
APY |
Interest Rate |
APY |
| 6 Month |
1.15% |
1.15% |
1.15% |
1.15% |
1.15% |
1.15% |
| 12 Month |
1.30% |
1.30% |
1.50% |
1.51% |
2.00% |
2.01% |
| 18 Month |
1.05% |
1.05% |
1.50% |
1.51% |
2.00% |
2.01% |
| 24 Month |
2.00% |
2.01% |
2.20% |
2.21% |
2.40% |
2.41% |
| 36 Month |
2.10% |
2.11% |
2.30% |
2.31% |
2.50% |
2.52% |
| 48 Month |
2.10% |
2.11% |
2.30% |
2.31% |
2.50% |
2.52% |
| 60 Month |
2.10% |
2.11% |
2.30% |
2.31% |
2.50% |
2.52% |
IRA Certificates of Deposit
|
$2,500 Minimum |
$10,000 Minimum |
$25,000 Minimum |
| Term |
Interest Rate |
APY |
Interest Rate |
APY |
Interest Rate |
APY |
| 12 Month |
1.30% |
1.30% |
1.50% |
1.51% |
2.00% |
2.01% |
| 36 Month |
2.10% |
2.11% |
2.30% |
2.31% |
2.50% |
2.52% |
| 60 Month |
2.10% |
2.11% |
2.30% |
2.31% |
2.50% |
2.52% |
Each IRA depositor is insured to $250,000 by the Federal Deposit Insurance Corporation.
Checking and Savings
| Name |
Minimum Balance |
Tier |
Interest Rate |
APY |
| Interest Rewards |
$0 |
|
|
|
| Qualifications Met: |
|
|
|
|
| Special Interest Rate |
|
$0-$15,000 |
3.10% |
3.15% |
| Market Interest Rate |
|
$15,000.01 |
0.25% |
0.25% |
| Qualifications Not Met: |
|
|
|
|
| Base Interest Rate |
|
|
0.10% |
0.10% |
| Premier Checking |
$2,500 |
|
|
|
|
|
$0 |
0.10% |
0.10% |
|
|
$25,000 |
0.15% |
0.15% |
|
|
$100,000 |
0.25% |
0.25% |
| Commercial Checking with Interest |
$0 |
|
0.15% |
0.15% |
| Non-Profit Interest Checking |
$0 |
|
0.15% |
0.15% |
| Personal & Business Savings |
$200 |
|
0.30% |
0.30% |
| Personal Savings For Minors (under 18) |
$25 |
|
0.30% |
0.30% |
| Money Market & Commercial Money Market |
$2,500 |
|
|
|
|
|
$0 |
0.05% |
0.05% |
|
|
$2,500 |
0.30% |
0.30% |
|
|
$50,000 |
0.50% |
0.50% |
|
|
$100,000 |
0.75% |
0.75% |
|
|
$150,000 |
1.00% |
1.01% |
|
|
$200,000 |
1.60% |
1.61% |
| Health Savings Accounts |
$0 |
|
|
|
|
|
$0 |
0.05% |
0.05% |
|
|
$1,000 |
0.10% |
0.10% |
|
|
$5,000 |
0.15% |
0.15% |
Each depositor insured to at least $250,000 by the FDIC. Visit www.FDIC.gov for more information.
Click here to calculate what's insured and what portion (if any) exceeds coverage limits at the bank.
Please contact us for additional information about fees and terms.
- Annual Percentage Yield (APY)
- Annual Percentage Yield and interest rates may change on checking and savings accounts.
- Penalty for early withdrawal of Certificates of Deposit.
- Fees may reduce the earnings on interest bearing accounts.
- A fee will be applied for savings or checking accounts that do not meet the minimum balance requirements.
- Interest rates are subject to change without notice.
- Special Interest Rate and Market Interest Rate disclosed for Interest Rewards (Qualifications Met) applies to accounts which have one direct deposit or automatic withdrawal per statement cycle and have 25 settled debit card purchases posted to the account prior to the statement cycle end.
- *At maturity your CD will automatically renew at the current 12-month term and 12-month interest rate.
- **Bump Up CD Special: Your initial interest rate will not change until you inform us to change the rate. Rate can only be changed once during the original term. No additional amounts can be added. At maturity your CD will automatically renew at the current 36-month term and 36-month interest rate. Minimum to open the account is $2,500. IRAs are not included.