Woman on couch using her computer

Current Rates


Savings & Money Market6

Effective as of: March 1, 2021
A minimum of $100 is required to open all checking and savings accounts unless otherwise stated. Interest compounded monthly or quarterly using an accrual basis of 365 for each day in the year.

Money Market Savings

Minimum Balance Interest Rate
APY
(annual percentage yield)
$1,000 Daily Minimum Balance4
Compounded Monthly


$500,000.00 + .23% .23%
$100,000.00 - $499,999.99 .13% .13%
$50,000.00 – $99,999.99 .08% .08%
$25,000.00 – $49,999.99 .05% .05%
$10,000.00 – $24,999.99 .04% .04%
$1,000.00 – $9,999.99 .04% .04%
$0.01 – $999.99 .04% .04%

Traditional, Youth and Custodial Savings1 & 6

$200 Daily Minimum Balance4 (compounded quarterly)
Minimum Balance Interest Rate
APY
(annual percentage yield)
All Balances .04% .04%

Christmas Club Account6

Compounded Quarterly minimum opening deposit waived if a recurring AFT or ACH deposit is established.
Minimum Balance
Interest Rate
APY
(annual percentage yield)
All Balances .04%
.04%

Thrift Savings6

$50 Minimum to open, $50 Minimum Average4, Compounded Quarterly
Minimum Balance
Interest Rate
APY
(annual percentage yield)
Interest payable on balances $100 and over
.02% .02%

1Minimum Balance and minimum opening deposit waived for the children until the age of 18. On the minor’s 18th birthday, this account is automatically subject to the monthly service fees of the Traditional Savings account.
4To avoid below balance monthly charge.
6The Interest rate may change after the account is opened. Fees may reduce earnings.

Interesting Bearing Checking

Effective as of: March 1, 2021
Interest compounded monthly using an accrual basis of 365 for each day in the year.

Integrity6

$25,000 Average Ledger Balance2

Balance Interest Rate
APY
(annual percentage yield)
$25,000.00 + .05% .05%
$.01 – $24,999.99 .03% .03%

Relationship6

 $5,000 Combined Deposits4
Balance
Interest Rate
APY
(annual percentage yield)
All Balances 
.03%
.03%

Interest6

$500 Daily Minimum Balance4
Balance
Interest Rate
APY
(annual percentage yield)
All Balances .03%
.03%

Benefit3 & 6

No Minimum to Open, No Minimum Balance
Balance
Interest Rate
APY
(annual percentage yield)
All Balances .03% .03%

Health Savings Account (HSA)5 & 6

$250 Daily Minimum Balance4 . No Minimum to Open

Balance
Interest Rate
APY
(annual percentage yield)
$500,000.00 + .23% .23%
$100,000.00 – $499,999.99 .13% .13%
$50,000.00 – $99,999.99 .08% .08%
$25,000.00 – $49,999.99 .05% .05%
$10,000.00 – $24,999.99 .04% .04%
$1,000.00 – $9,999.99 .04% .04%
$0.01 – $999.99 .04% .04%

2If average balance is not maintained, account will be reclassified and you will be notified with appropriate disclosure and effective date.
3Available to employees of qualified business customers.
4To avoid below balance monthly charge. HSA balances excluded from combined deposits for Relationship Checking.
5Available to individuals with qualified High Deductible Health Plan (HDHP).
6The interest rate may change after the account is opened. Fees may reduce earnings.

Savings Certificates & IRA

Effective as of: March 1, 2021
Months Interest Rate
APY
(annual percentage yield)
$1,000 Minimum – $24,999


6 months .05% .05%
12 months  .13% .13%
18 months .18%
.18%
24 months .18% .18%
30 months .23% .23%
36 months .23% .23%
48 months .33% .33%
60 months .43% .43%
$25,000 Minimum and Over

6 months .15% .15%
12 months .23% .23%
18 months .28%
.28%
24 months .28% .28%
30 months .33% .33%
36 months .33% .33%
48 months .43% .43%
60 months .53% .53%

Add-vantage CD

Interest Credited at Maturity
9 Month CD1  
Balance
Interest Rate
APY
(annual percentage yield)
$1,000 Minimum – $24,999 .08% .08%
$25,000 Minimum and Over .18%
.18%

Specials

Interest Compounded Quarterly
24 month Step-Up CD¹
Balance
Interest Rate
APY
(annual percentage yield)
$1,000 Minimum – $24,999 .03% .03%
$25,000 Minimum and Over .08% .08%

1New Certificates of Deposit have a one time Step-Up feature during the original term.
A penalty may be imposed for early withdrawal - see account disclosure for individual charges and fees.

Loans

Other rates and terms may be available as this is not an all inclusive list.

Effective as of February 11, 2021

Automobiles - Trucks1,2,3

Model Year Term Interest Rate APR* Monthly Payment
2020 – 2021 (New) No Doc Fee 24 months
1.99% 1.994% $426.44

36 months 1.99% 1.993%
$287.11

48 months 1.99% 1.992% $217.46

60 months 1.99% 1.992% $175.68
$25,000 min. 72 months 2.49% 1.492% $374.19
$25,000 min. 84 months 2.99% 2.993% $330.25
2016 – 2020 (Used) $25 Doc Fee 24 months 2.99% 2.996% $430.87

36 months 2.99% 2.993% $291.51

48 months 2.99% 2.990% $221.87

Motorcycles1,2,3

(Down payment of 30% may be required) Loans < $20,000)
Model Year Term Interest Rate APR* Monthly Payment
2020 – 2021 (New) 60 months 5.74% 5.746% $192.63
2016 – 2020 (Used) 48 months 6.74% 6.748% $238.89

Snowmobile, ATV, PWC Loans1,2,3

(Down payment of 30% may be required)
Model Year
Term
Interest Rate
APR*
Monthly Payment
2020 – 2021 (New) 36 months 4.99% 4.996% $230.85

60 months 5.49% 5.496% $191.47
2015 – 2019 (Used) 24 months 9.55% 9.569% $460.61

Boats (27′ or less) – Motors – Trailers – Campers/RVs1,2,3

(Down payment of 25% may be required)
Model Year Term Interest Rate APR* Monthly Payment
2020 – 2021 (New) $25 Doc Fee 84 months 3.99% 3.994% $137.00

120 months 4.99% 4.994% 106.30
2016 – 2020 (Used) $25 Doc Fee 60 months 5.49% 5.496% $191.47
Loans for motorhomes and other recreation vehicles available.
*APR (annual percentage rate)
1Normal credit qualifications and some additional restrictions apply. Monthly payment based on a $10,000 loan plus a $25.00 processing fee. *Other rates and terms available, contact a personal banker at 651.777.8365.
2All Loans subject to credit approval.
3To obtain the lowest APR (annual percentage rate), you must have excellent credit history, maximum loan to value not to exceed 110% and debt-to-income not to exceed 45%. The actual APR to be determined when a credit decision is made and may be higher than the lowest rate available. 24-60 month payment examples are based on a loan amount of $10,000.00 and the 72 – 84 months is based on a loan amount of $25,000.00.

Effective as of : February 11, 2021

Home Equity Line of Credit1,2,3,4,5,6

Product Interest Rate Max APR*
10 year variable Prime + 0.50% variable 12.95%

Home Equity Installment Loan1,2,3,4,5,6

Term Interest Rate APR* Monthly Payment
10 years 4.74% 4.740% $104.80
6 year/20 year amortization 4.74% 4.742% $64.58

 *APR (annual percentage rate)
1$10,000 minimum loan amount
2 All loans subject to credit approval. Available for primary and 2nd home.
3 Monthly Payment based on a $10,000 loan.
4 Customer pays for full appraisal cost if required. No additional closing costs for loans of $100,000 or less.
5 Rates and closing costs based on 80% loan-to-value (LTV) or less. Insurance may be required. For assistance in calculating your LTV please contact a personal banker. Other rates and terms may be available.
6The interest rate is based on the Prime Rate as published in the Wall Street Journal in effect on the date of your loan, and subsequently, on the last business day of each month thereafter (“index”) plus our margin. Your interest rate will equal the index plus our margin unless your interest rate “cap” limits the amount of change in the interest rate. Rate is subject to change. Other rates and terms may be available. For assistance calculating LTV please contact a personal banker.