Rates

Effective as of:  January 1, 2020
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.

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.

Effective as of: January 1, 2020
Interest compounded monthly using an accrual basis of 365 for each day in the year.

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).
⁶ The interest rate may change after the account is opened.  Fees may reduce earnings.

Effective as of: January 1, 2020

¹New Certificates of Deposit have a one time Step-Up feature during the original term.
Fees may reduce earnings.  Rates are subject to change and early withdrawal penalties may apply.  Please see account disclosure for individual charges and fees.
Substantial penalty for early withdrawal.
Equivalent of 3 months interest loss on CDs 3 months through 11 months².
Equivalent of 6 months interest loss on CDs 12 – 23 months².
Equivalent of 12 months interest loss on CDs 24 months and over².
²Or a fixed sum of $10.00, whichever amount is greater.

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

Effective as of January 9, 2020

Automobiles – Trucks^1,2,3 

Motorcycles^1,2,3 (Down payment of 30% may be required) Loans < $20,000

Snowmobile, ATV, PWC Loans^1,2,3 (Down payment of 30% may be required)

Boats (27′ or less) – Motors – Trailers – Campers/RVs^1,2,3 (Down payment of 25% may be required)

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 9, 2020

Home Equity Line of Credit^1,2,3,4,5,6

Home Equity Installment Loan^1,2,3,4,5,6

*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.
₆ Customer pays for full appraisal cost if required.  No additional closing costs for loans of $50,000 or less, insurance may be required.  Rates and closing costs based on 80% LTV or less.  The internal 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 internal rate will equal the index plus our margin unless your internal rate “cap” limits the amount of change in the internal rate.  Rate is subject to change.  Other rates and terms may be available.   For assistance calculating LTV please contact a personal banker.