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Rates

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Rates


Certificates of Deposit Special

Term Minimum Required Minimum Balance to Obtain APY Interest
Rate		 APY*










6 Month $500 $500 4.410% 4.50%


13 Month          $500                                                     $500                                                                                                3.735%            3.80%        
24 Month          $500                                                     $500                                                                                                3.445%            3.50%
60 Month          $500                                                     $500                                                                                                3.929%            4.00%

* 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 20, 2024.




 
Certificates of Deposit
Term Minimum Required Minimum Balance to Obtain APY Interest
Rate		 APY*


31 Day $500 $500 0.45% 0.45%


91 Day $500 $500 0.65% 0.65%


6 Month $500 $500 0.65% 0.65%


9 Month $500 $500 0.70% 0.70%


1 Year $500 $500 1.00% 1.00%


1 1/2 Year $500 $500 1.00% 1.00%


2 Year $500 $500 1.00% 1.00%


2 1/2 Year $500 $500 1.00% 1.00%


3 Year $500 $500 1.00% 1.00%


4 Year $500 $500 1.193% 1.20%


5 Year $500 $500 1.391% 1.40%


* 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 20, 2024.


 
 
Interest Bearing Checking

Account Type Minimum Required Minimum Balance to Obtain APY Interest
Rate		 APY*
Benefits Plus $2,500 $2,500 0.10% 0.10%





* 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 20, 2024.
 
 
Health Savings Account
 
Amount Minimum Balance to Obtain APY Interest
Rate		 APY*
$0.00 - $4,999.99 $0.00 0.996% 1.00%
$5,000.00 - $14,999.99 $5,000.00 1.981% 2.00%
$15,000.00 + $15,000.00 2.959% 3.00%
* 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 20, 2024.
 
 
 
Passbook Savings

Account Type Minimum Required Minimum Balance to Obtain APY Interest
Rate		 APY*
Passbook/Statement Savings $50.00 N/A 0.12% 0.12%
Golden Passbook $1,000.00 $1,000.00 1.00% 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 20, 2024.
 
 
 
Safe Money Market Tiered Rates

Amount Minimum Balance to Obtain APY Interest
Rate		 APY*
$1,000 - 9,999 $1,000 0.10% 0.10%
$10,000 - 24,999 $10,000 0.15% 0.15%
$25,000 - 49,999 $25,000 0.15% 0.15%
$50,000 - 99,999 $50,000 0.20% 0.20%
$100,000 + $100,000 0.25% 0.25%
* Annual Percentage Yield
Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of November 20, 2024.

 
 
Platinum Money Market Tiered Rates

Amount Minimum Balance to Obtain APY Interest
Rate		 APY*
$1,000 - 24,999 $1,000 0.10% 0.10%
$25,000 - 49,999 $25,000 0.15% 0.15%
$50,000 - 249,999 $50,000 0.35% 0.35%
$250,000 + $250,000 0.40% 0.40%
* 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.
Rates Effective as of November 20, 2024.


 
 
Individual Retirement Accounts

Account Type Minimum Balance to Obtain APY Length Interest
Rate		 APY*
Fixed Rate IRA $500 1 & 2 Years 1.40% 1.40%
Variable Rate IRA $500 1 Year 1.40% 1.40%
* 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 20, 2024.
 
 
 
Fixed Rate Mortgages

Mortgage Term Interest Rate APR* Monthly Payment
15 Year Fixed 6.500% 6.573% $1306.66
20 Year Fixed
6.875%
 6.935%
$1151.72
30 Year Fixed 6.625%
 6.670%
$960.47

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 Amount Rate APR Term Monthly Payment
$15,000.00 4.74% 4.92% 48 Months $343.71