Savings & Money Market6
Effective as of: January 1, 2022
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 + |
.15% |
.15% |
| $100,000.00 - $499,999.99 |
.08% |
.08% |
| $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: January 1, 2022
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 + |
.15% |
.15% |
| $100,000.00 – $499,999.99 |
.08% |
.08% |
| $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: January 1, 2022
| Months |
Interest Rate |
APY
(annual percentage yield)
|
$1,000 Minimum – $24,999
|
|
|
| 6 months |
.03% |
.03% |
| 12 months |
.10% |
.10% |
| 18 months |
.15% |
.15%
|
| 24 months |
.15% |
.15% |
| 30 months |
.20% |
.20% |
| 36 months |
.20% |
.20% |
| 48 months |
.30% |
.30% |
| 60 months |
.40% |
.40% |
| $25,000 Minimum and Over |
|
|
| 6 months |
.13% |
.13% |
| 12 months |
.20% |
.20% |
| 18 months |
.25% |
.25%
|
| 24 months |
.25% |
.25% |
| 30 months |
.30% |
.30% |
| 36 months |
.30% |
.30% |
| 48 months |
.40% |
.40% |
| 60 months |
.50% |
.50% |
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 January 13, 2022
Automobiles - Trucks1,2,3
| Model Year |
Term |
Interest Rate |
APR* |
Monthly Payment |
| 2021 – 2022 (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% |
2.492% |
$374.19 |
| $25,000 min. |
84 months |
2.99% |
2.993% |
$330.25 |
| 2017 – 2021 (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 |
| 2021 – 2022 (New) |
60 months |
5.74% |
5.746% |
$192.63
|
| 2017 – 2021 (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
|
| 2021 – 2022 (New) |
36 months |
4.99% |
4.996% |
$230.85 |
|
60 months |
5.49% |
5.496% |
$191.47 |
| 2017 – 2021 (Used) |
24 months |
6.99% |
6.990% |
$447.66 |
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 |
| 2021 – 2022 (New) $25 Doc Fee |
84 months |
3.99% |
3.994% |
$137.00 |
|
120 months |
4.99% |
4.994% |
106.30 |
| 2017 – 2021 (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 : January 13, 2022
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 |
2.99% |
2.991% |
$96.52 |
| 6 year/15 year amortization |
3.49% |
3.492% |
$71.45
|
*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.
