Rates

Savings/Money Market

Effective as of:  September 19, 2018
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 Savings6
Interest Rate APY
$1,000 Daily Minimum Balance4
Compounded Monthly

[annual percentage yield]

$500,000 + .20% .20%
$100,000 + $499,999.99 .20% .20%
$50,000.00 – $99,999.99 .17% .17%
$25,000.00 – $49,999.99 .13% .13%
$10,000.00 – $24,999.99 .12% .12%
$1,000.00 – $9,999.99 .10% .10%
$0.01 – $999.99 .03% .03%

 

Traditional, Youth and
Custodial Savings1 & 6
Interest Rate APY
$200 Daily Minimum Balance4
Compounded Quarterly

[annual percentage yield]

All Balances .05% .05%

 

Christmas Club Account6 Interest Rate APY
Compounded Quarterly minimum opening deposit waived if a recurring AFT or ACH deposit is established.

[annual percentage yield]

All Balances .05% .05%

 

Thrift Savings6 Interest Rate APY

$50 Minimum to open
$50 Minimum Average4
Compounded Quarterly

[annual percentage yield]

Interest payable on balances $100 and over .03% .03%

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.

Interest Bearing Checking

Effective as of: September 19, 2018 
Interest compounded monthly using an accrual basis of 365 for each day in the year.

Integrity6 Interest Rate APY
$25,000 Average Ledger Balance2

[annual percentage yield]

$25,000.00 + .11% .11%
$.01 – $24,999.99 .04% .04%

 

Relationship6 Interest Rate APY
$5,000 Combined Deposits4

[annual percentage yield]

All Balances .04% .04%

 

Interest6 Interest Rate APY
$500 Daily Minimum Balance4             [annual percentage yield]
All Balances .04% .04%

 

Benefit3 & 6 Interest Rate APY
No Minimum to Open
No Minimum Balance
[annual percentage yield]
All Balances .04% .04%

 

Health Savings Account
(HSA)5 & 6
Interest Rate APY
$250 Daily Minimum Balance4
No Minimum to Open

[annual percentage yield]

$25,000.00 + .10% .10%
$10,000.00 – $24,999.99 .09% .09%
$1,000.00 – $9,999.99 .07% .07%
$0.01 – $999.99 .00% .00%

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.

Savings Certificates/IRAs

Effective as of: September 19, 2018

Savings Certificates/IRAs Interest Rate APY
    [annual percentage yield]
$1,000 Minimum – $24,999
6 months .15% .15%
12 months .30% .30%
18 months .40% .40%
24 months .50% .50%
30 months .60% .60%
36 months .65% .65%
48 months .75% .75%
60 months 1.06% 1.06%
$25,000 Minimum and Over
6 months .25% .25%
12 months .40% .40%
18 months .50% .50%
24 months .60% .60%
30 months .70% .70%
36 months .75% .75%
48 months .85% .85%
60 months 1.15% 1.16%

 

Add-vantage CD Interest Rate APY
 Interest Credited at Maturity   [annual percentage yield]
9 month CD
$1,000 Minimum – $24,999 .25% .25%
$25,000 Minimum and Over .35% .35%

 

Specials Interest Rate APY
 Interest Compounded Quarterly   [annual percentage yield]
24 month Step-Up CD1
$1,000 Minimum – $24,999 .35% .35%
$25,000 Minimum and Over .45% .45%

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.

Loans

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

Automobiles – Trucks2 (Down payment of 20% may be required)

Effective as of: September 13, 2018

Model Year Term Interest Rate APR* Monthly Payment
2018 – 20193   (New) No Doc Fee 24 months 1.99% 1.990% $425.36
2018 – 2019    (New) No Doc Fee 36 months 1.99% 1.990% $286.38
2018 – 2019    (New) No Doc Fee 48 months 2.39% 2.391% $218.66
2018 – 2019    (New) No Doc Fee 60 months 2.59% 2.590% $177.87
2018 – 2019 ($25,000 min.) 72 months 2.79% 2.791% $377.51
2018 – 2019 ($25,000 min.) 84 months 2.99% 2.992% $330.24
2014 – 20181   (Used) $25 Doc Fee 24 months 2.25% 2.497% $427.59
2014 – 2018   (Used) $25 Doc Fee 36 months 2.49% 2.659% $289.31
2014 – 2018   (Used) $25 Doc Fee 48 months 2.99% 3.117% $221.86

Motorcycles1,2 (Down payment of 30% may be required) Loans < $20,000

Model Year Term Interest Rate APR* Monthly Payment
2018 – 2019  (New) 60 months 5.49% 5.595% $191.45
2014 – 2018  (Used) 48 months 6.49% 6.619% $237.70

Snowmobile, ATV, PWC Loans1,2 (Down payment of 30% may be required)

Model Year Term Interest Rate APR* Monthly Payment
2018 – 2019  (New)   $25 Doc Fee 36 months 10.00% 10.193% $323.58
2014 – 2018  (Used)  $25 Doc Fee 24 months 10.25% 10.528% $463.89

Boats (27′ or less) – Motors – Trailers – Campers/RVs1,2 (Down payment of 25% may be required)

Model Year Term Interest Rate APR* Monthly Payment
2018 – 2019  (New)   $25 Doc Fee 60 months 5.25% 5.361% $190.37
2014 – 2018  (Used)  $25 Doc Fee 36 months 6.25% 6.432% $306.18

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%.  $25,000.00 minimum loan amount for 72 – 84 month term.  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.

Home Equity Line of Credit2
Effective as of : September 13, 2018

Product Interest Rate Max APR*
10 year variable1,6 Prime + 0.50% variable 12.95%

Home Equity Installment Loan2,3

Term Interest Rate APR* Monthly Payment
10 years1,4,5 5.29% 5.292% $107.50
6 yr/20 yr amortization1,4,5 5.29% 5.294% $67.63

*APR (annual percentage rate)
1$10,000 minimum loan amount
2All loans subject to credit approval.  Available for primary and 2nd home.
3Monthly Payment based on a $10,000 loan.
4Customer pays for full appraisal cost if required.  No additional closing costs for loans of $100,000 or less.
5Rates 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.
6Customer 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.  Rate is based on Wall Street Prime Rate, with a maximum APR of 12.95% and minimum APR of 3.98%.  The current rate is the minimum APR of 4.00%.  Rate is subject to change.  Other rates and terms may be available.  For assistance calculating LTV please contact a personal banker.