Secure your Credit score, 
Current Rates
Effective as of January 2, 2013
Checking
| Account Type | Amount | Interest Rate | APY* |
|---|---|---|---|
| Legacy Checking | Over $100,000 | .10% | .10% |
| Legacy Checking | $50,000-$99,999 | .05% | .05% |
| Legacy Checking | $1,000-$49,999 | .05% | .05% |
| Legacy Checking | $0-$999 | N/A | N/A |
| Interest Checking | Over $50,000 | .10% | .10% |
| Interest Checking | $10,000-$49,999 | .08% | .08% |
Monthly service fees may be applicable and may reduce earnings. Rates listed may change after the account is opened.
*APY = ANNUAL PERCENTAGE YIELD
Savings & Money Market
| Account Type | Amount | Interest Rate | APY* |
|---|---|---|---|
| MMDA Accounts | Over $100,000 | 0.15% | .15% |
| MMDA Accounts | $50,000-$99,999 | 0.10% | 0.10% |
| MMDA Accounts | $20,000-$49,999 | 0.05% | 0.05% |
| MMDA Accounts | $1,000-$19,999 | 0.05% | 0.05% |
| MMDA Accounts | $0-$999 | N/A | N/A |
| Traditional Savings | All | 0.10% | 0.10% |
| Ultimate Savings | Over $5,000 | 0.15% | 0.15% |
| Ultimate Savings | $1,000-$4,999 | 0.10% | 0.10% |
| Ultimate Savings | $0-$999 | 0.10% | 0.10% |
Monthly service fees may be applicable and may reduce earnings. Rates listed may change after the account is opened.
*APY = ANNUAL PERCENTAGE YIELD
CD's & IRA's
| Maturity | Minimum | Interest Rate | APY* |
|---|---|---|---|
| 7-89 Days | $500 | 0.10% | 0.10% |
| 3 Month | $500 | 0.15% | 0.15% |
| 6 Month | $500 | 0.25% | 0.25% |
| 1 Year | $500 | 0.35% | 0.35% |
| 2 Year | $500 | 0.55% | 0.55% |
| 3 Year | $500 | 0.75% | 0.75% |
| 4 Year | $500 | 1.00% | 1.00% |
| 5 Year | $500 | 1.45% | 1.46% |
| 14 Days | $100,000 | 0.10% | 0.10% |
| 30 Days | $100,000 | 0.10% | 0.10% |
| 90 Days | $100,000 | 0.15% | 0.15% |
| 180 Days | $100,000 | 0.25% | 0.25% |
| IRA Savings | $25 | 0.15% | 0.15% |
| 6 Month Certificate IRA | $500 | 0.25% | 0.25% |
| 12 Month Certificate IRA | $500 | 0.35% | 0.35% |
| 24 Month Certificate IRA | $500 | 0.55% | 0.55% |
| 60 Month Certificate IRA | $500 | 1.45% | 1.46% |
All Certificates of Deposit are subject to a penalty for early withdrawals. The annual percentage yield assumes interest will remain on deposit until maturity and any withdrawal will reduce earnings.
*APY = ANNUAL PERCENTAGE YIELD
Business
| Account Type | Amount | Interest Rate | APY* |
|---|---|---|---|
| Business Plus Checking | Over $100,000 | 0.15% | 0.15% |
| Business Plus Checking | $50,000-$99,999 | 0.05% | 0.05% |
| Business Plus Checking | $1,000-$49,999 | 0.05% | 0.05% |
| Account Type | Prime Plus** | APR*** | Fee |
|---|---|---|---|
| Business Checkline | P + 6.00% | 9.25% | $100¹ |
| Business Mastercard | P + 8.00% | 11.25% | N/A |
| Business Mastercard With Rewards | P + 8.50% | 11.75% | $50² |
Monthly service fees may be applicable and may reduce earnings. Rates listed may change after the account is opened.
*APY = ANNUAL PERCENTAGE YIELD
**APR will vary based on the Wall Street Journal's "Prime Rate."
***APR = ANNUAL PERCENTAGE RATE
¹ Annual fee on Business CLS is billed to checkline for the previous year.
² Business Mastercard can be set up two different ways: (1)Each cardholder can earn their own points, with an annual fee of $50 per cardholder billed on the first cardholder statement and yearly thereafter. (2)All business card points can be linked together under a main control account, with an annual fee of $50 per control account billed on the companies first billing statement and yearly thereafter.
Consumer & Auto
Contact one of our loan officers today to get current rates. Contact Us.
Credit Cards
| Account Type | Prime Plus** | APR* | Fee |
|---|---|---|---|
| Personal Checkline | P + 7.50% | 10.75% | N/A |
| VISA Classic | P + 7.50% | 10.75% | N/A |
| Visa Classic with Rewards | P + 8.00% | 11.25% | ***$20 |
| VISA Gold | P + 5.00% | 8.25% | N/A |
| Visa Gold with Rewards | P + 5.50% | 8.75% | ***$20 |
| Mastercard Classic | P + 7.50% | 10.75% | N/A |
| Mastercard Classic with Rewards | P + 8.00% | 11.25% | ***$20 |
| Mastercard Platinum | P + 4.00% | 7.25% | N/A |
| Mastercard Platinum with Rewards | P + 4.50% | 7.75% | ***$20 |
*APR = ANNUAL PERCENTAGE RATE
**APR will vary based on the Wall Street Journal's "Prime Rate."
***Annual fee is assessed at the beginning of the second year and annually thereafter.
Mortgage
Contact one of our loan officers today to get current rates call 801-523-2543
Home Equity
Contact one of our loan officers today to get current rates. Contact Us.
