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Certificates of Deposit


TermMinimum RequiredMinimum Balance to Obtain APYInterest
Rate
APY*


7 - 31 Day$500$5000.45%0.45%


91 Day$500$5000.45%0.45%


6 Month$500$5000.45%0.45%


9 Month$500$5000.60%0.60%


1 Year$500$5001.00%1.00%


1 1/2 Year$500$5001.05%1.05%


2 Year$500$5001.10%1.10%


2 1/2 Year$500$5001.15%1.16%


3 Year$500$5001.25%1.26%


4 Year$500$5001.35%1.36%


5 Year$500$5001.60%1.61%


* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings. 
Rates Effective as of November 13,  2019





Interest Bearing Checking
Account TypeMinimum RequiredMinimum Balance to Obtain APYInterest
Rate
APY*
Super Now$1,000$1,0000.10%0.10%
Now$500$5000.05%0.05%
HSA$500$5001.00%1.00%
* Annual Percentage Yield
 ** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of November 13,  2019

Passbook Savings
Account TypeMinimum RequiredMinimum Balance to Obtain APYInterest
Rate
APY*
Passbook/Statement Savings$50.00N/A.12%.12%
Golden Passbook$1,000.00$1,000.001.00%1.00%
* Annual Percentage Yield
 ** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of November 13,  2019


Safe Money Market Tiered Rates
AmountMinimum Balance to Obtain APYInterest
Rate
APY*
$1,000 - 9,999$1,0000.10%0.10%
$10,000 - 24,999$10,0000.15%0.15%
$25,000 - 49,999$25,0000.15%0.15%
$50,000 - 99,999$50,0000.20%0.20%
$100,000 +$100,0000.25%0.25%
* Annual Percentage Yield
Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of November 13,  2019 
  Platinum Money Market Tiered Rates
AmountMinimum Balance to Obtain APYInterest
Rate
APY*
$1,000 - 24,999$1,0000.50%0.50%
$25,000 - 49,999$25,0001.00%1.00%
$50,000 - 249,999$50,0002.00%2.01%
$250,000 +$250,0002.25%2.26%
* Annual Percentage Yield
**Interest rate subject to change weekly.  Minimum balance to open or maintain of $1000.00.  If Balance falls below $1000.00, rate reverts to a Now Account rate and a $10.00 fee is charged.  Service charge of $2.00 for each check over 6 checks paid per statement cycle.  Withdrawals or transfers are unlimited when payment is directly to yourself and made by mail, messenger, or in person.  Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer by check, draft or similar order are limited to six per statement cycle.
Rates Effective as of November 13,  2019 
 
Individual Retirement Accounts
Account TypeMinimum Balance to Obtain APYLengthInterest
Rate
APY*
Fixed Rate IRA$5001 & 2 Years1.35%1.35%
Variable Rate IRA$5001 Year1.35%1.35%
* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of November 13,  2019

Fixed Rate Mortgages
Mortgage TermInterest RateAPR*Monthly Payment
15 Year Fixed3.125%3.197%$1,044.91
20 Year Fixed
3.375%
3.431%$860.34
30 Year Fixed3.625%
3.665%$684.08

The rates in this table are indicative only.  Your rate is subject to market fluctuations until it is locked.  Rates are subject to change without notice.

*APR= Annual Percentage Rate

**Payment and APR are based on $150,000 loan amount with 80% loan to value.  Your actual rate, payment, and costs may be higher.  Payments do not include taxes and insurance.  Actual payments will be higher.  Get an official Loan Estimate before choosing a loan.  Fixed rates are available Monday through Friday 9:00 a.m. to 3:00 p.m. CST, except for certain federal and bond market holidays.  For all loan rates and closing costs estimates, please contact a Mortgage Lender.

Subject to credit approval.

See why your APR may be different

Advertised APR (annual percentage rate) assumes excellent borrower credit history. Your actual APR may differ based on your credit history, approved loan amount, term, and age of vehicle. These factors will be reflected in your individual APR quote if you are approved for a loan. 

The APR shown on the chart below is based on a 4-year, fixed-rate auto loan for $15,000.00 (including origination and financing fees). Based on a simple interest rate of 4.74% this loan would have 48 monthly payments of $343.71 each and an (APR) of 4.92%. “Auto” includes cars, trucks, vans and SUVs. Recreational property rates are 2.0% higher than published auto rates.

Loan AmountRateAPRTermMonthly Payment
$15,000.004.74%4.92%48 Months$343.71