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Deposit Rates

Effective April 02, 2020
Time Certificates*APY**
  
1-3 Months.40
6 Months.50
12 Month.90
18 Months

1.10

24 months1.00
36 Months1.25
48 Months1.40
Money Market $2,501.00 to $25,000.00(1).10
Money Market $25,001.00 to $100,000.00(1).25
Money Market  $100,001.00(1) + above.50
Premium Money Market $0 to $100,000(1).05
Premium Money Market $100,001 to $250,000(1).75
Premium Money Market $250,001 + above(1)1.00
Interest bearing checking $901 to $50,000.05
Interest bearing checking $50,000 + above.15
Savings Account(3).05
Heath Savings Accounts(7).05
First Time Homebuyer Savings $0 - $20,000(5)1.00
First Time Homebuyer Savings $20,000.01 & up(5).05
IRA Savings Account(6)1.00
IRA 1 Month-24 Months.50
IRA 24 Months-72 Months(4).75

* Time Certificates are subject to a minimum deposit of $500.00 and a substantial penalty for early withdrawal
** Annual Percentage Yield
(1) Money Market Accounts - Rates are variable and subject to change without notice
(2) Interest Bearing Accounts - Rates are variable and subject to change without notice
(3) Savings Accounts must maintain a $100.00 minimum daily balance to realize APY and fees could reduce earnings on this account - Rates are variable and subject to change without notice
(4) IRA 2 yrs. to 6 yrs. must maintain a $300.00 minimum daily balance

(5) First Time Homebuyer Savings must maintain a $100.00 minimum daily balance to realize APY and fees could reduce earnings on this account - Rates are variable and subject to change without notice

(6)IRA Savings Account must maintain a $100.00 minimum daily balance to realize APY and fees could reduce earnings on this account - Rates are variable and subject to change without notice

(7) Health Savings Accounts - Rates are variable and subject to change without notice

 

Ag Loan Rates

Effective April 02, 2020
Ag Capital Purchase - Term LoanRate
3 year fixed4.50%
5 year fixed4.75%
Ag Real EstateRate
10 year fixedCall for rates

Construction Loan Rate Special

Effective April 02, 2020

Available to contractors for any new residential 1-4 family construction located in the Ballard and North Polk School districts. Rates available for new funding of home construction loans.

Loan TypeRate
Custom4.25%
Spec4.75%

1/2 % orig fee
$250.00 inspection fee
Borrower pays actual costs

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