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Apple Valley rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.10%
$2,500 - $4,999.99 0.10% - 0.13%
$5,000 - $49,999.99 0.12% - 0.19%
$50,000 & Over 0.19% - 0.22%
HSA Checking $0 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.


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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%

$50,000 - $99,999.99
0.31% - 0.40%
$100,000 - $199,999.99 0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%

$1,000,000 & Over 0.65% - 0.72%
Repurchase Agreement n/a
0.25%
ICS® Demand Deposit**
$0 - $999,999.99
0.15%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.20%

Interest rates quoted were effective April 14, 2017 and are subject to change without notice. Fees could reduce account earnings.
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%
$50,000 - $99,999.99 0.31% - 0.40%
$100,000 - $199,999.99
0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%
$1,000,000 & Over 0.65% - 0.72%
ICS® Money Market**
$0 - $999,999.99 0.35%

$1,000,000 - $14,999,999.99 0.65%

$15,000,000 & Over 0.35%
Advantage Savings* $0 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.13%
IRA Savings Account $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.19%
$25,000 - $49,999.99
0.24%
$50,000 - $99,999.99 0.29%
$100,000 - $199,999.99 0.49%
$200,000 & Over
0.59%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.10%
Winter FUNd & Summer FUNd n/a 0.49%


Interest rates quoted were effective April 14, 2017  and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

** Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.25% $500
6-11 Months 0.30% $500
12-23 Months 0.35% $500
24-29 Months 0.55% $500
30-35 Months 0.60% $500
36 Months & Over 0.70% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.49% $100



Special Terms


11 Months0.34%$2500
27 Months0.89%$2500
48 Months1.30%$2500











Apply for a Certificate of Deposit

Interest rates quoted were effective April 20, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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Caledonia rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.15%
$5,000 - $9,999.99 0.15% - 0.17%
$10,000 - $14,999.99 0.17% - 0.22%

$15,000 - $24,999.99 0.22% - 0.29%

$25,000 & Over 0.29% - 0.37%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.14%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.26%
$200,000 - $999,999.99 0.26% - 0.37%

$1,000,000 & Over 0.37% - 0.49%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.30%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.30%

Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.26%
$200,000 - $999,999.99 0.26% - 0.37%
$1,000,000 & Over 0.37% - 0.49%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.50%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.17%
$50,000 - $99,999.99 0.20%
$100,000 - $199,999.99 0.28%
$200,000 & Over
0.36%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.24%


Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.05% $500
6-11 Months 0.10% $500
12-23 Months 0.20% $500
24-29 Months 0.32% $500
30-35 Months 0.37% $500
36 Months & Over 0.52% $500
24 Month "Summit" IRA** 0.52%
$500
12 Month Home Buyer's CD*
0.24%
$100



Special Terms



17 Months 
1.03%
$10,000 (new money)***
17 Months 1.15% $25,000 (new money)***

37 Months1.33%$10,000 (new money)***
37 Months1.45%$25,000 (new money)***


Apply for a Certificate of Deposit

Interest rates quoted were effective March 23, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
*** Money not currently on deposit at Merchants Bank. 
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Cannon Falls rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.08%
$50,000 & Over 0.08% - 0.10%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.30%
Nonprofit Checking* $0 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%

$1,000,000 & Over 0.42% - 0.46%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99
0.35%

$1,000,000 - $14,999,999.99
0.35%

$15,000,000 & Over
0.20%

Interest rates quoted were effective June 8, 2017 and are subject to change without notice. Fees could reduce account earnings.

*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517
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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%
$1,000,000 & Over 0.42% - 0.46%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.25%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.11%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.45%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective April 14, 2017  and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

** Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517
Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.35% $500
30-35 Months 0.40% $500
36 Months & Over 0.50% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


14 Months 0.50% $2,500
29 Months 0.80%
$2,500
39 Months
1.35%
$2,500











Apply for a Certificate of Deposit

Interest rates quoted were effective June 22, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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Cottage Grove rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.10%
$2,500 - $4,999.99 0.10% - 0.13%
$5,000 - $49,999.99 0.12% - 0.19%
$50,000 & Over 0.19% - 0.22%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49.999.99 0.22% - 0.31%

$50,000 - $99,999.99
0.31% - 0.40%
$100,000 - $199,999.99 0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%

$1,000,000 & Over 0.65% - 0.72%
Repurchase Agreement n/a
0.25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.15%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.20%

*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of
Please scroll left to view the rest of the table.
Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%
$50,000 - $99,999.99 0.31% - 0.40%
$100,000 - $199,999.99
0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%
$1,000,000 & Over 0.65% - 0.72%
ICS® Money Market**
$0 - $999,999.99 0.35%

$1,000,000 - $14,999,999.99 0.65%

$15,000,000 & Over 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.13%
IRA Savings Account $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.19%
$25,000 - $49,999.99
0.24%
$50,000 - $99,999.99 0.29%
$100,000 - $199,999.99 0.49%
$200,000 & Over
0.59%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.10%
Winter FUNd & Summer FUNd n/a 0.49%


Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings.

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.25% $500
6-11 Months 0.30% $500
12-23 Months 0.35% $500
24-29 Months 0.55% $500
30-35 Months 0.60% $500
36 Months & Over 0.70% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.49%
$100



Special Terms


11 Months0.34%$2,500
27 Months0.89%$2,500
48 Months
1.30%
$2,500




Apply for a Certificate of Deposit

Interest rates quoted were effective April 20, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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Eau Claire rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.15%
$5,000 - $9,999.99 0.15% - 0.17%
$10,000 - $14,999.99 0.17% - 0.22%

$15,000 - $24,999.99 0.22% - 0.29%

$25,000 & Over 0.29% - 0.37%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%

$50,000 - $99,999.99
0.14% - 0.17%
$100,000 - $199,999.99 0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.65%

$1,000,000 & Over 0.65% - 0.75%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.35%

$1,000,000 - $14,999,999.99
0.35%

$15,000,000 & Over
0.20%

Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.12%
$25,000 - $49,999.99 0.12% - 0.14%
$50,000 - $99,999.99 0.14% - 0.17%
$100,000 - $199,999.99
0.17% - 0.22%
$200,000 - $999,999.99 0.22% - 0.65%
$1,000,000 & Over 0.65% - 0.75%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.25%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.07%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.12%
$25,000 - $49,999.99
0.17%
$50,000 - $99,999.99 0.20%
$100,000 - $199,999.99 0.28%
$200,000 & Over
0.36%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.20%


Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.35% $500
12-23 Months 0.75% $500
24-29 Months 0.75% $500
30-35 Months 0.80% $500
36 Months & Over 0.90% $500
24 Month "Summit" IRA** 0.52%
$500
12 Month Home Buyer's CD*
0.20%
$100



Special Terms


19 Months 1.00% $500
33 Months1.50%$500







Apply for a Certificate of Deposit

Interest rates quoted were effective March 22, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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Hampton rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.08%
$50,000 & Over 0.08% - 0.10%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%

$1,000,000 & Over 0.42% - 0.46%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99
0.35%

$1,000,000 - $14,999,999.99
0.35%

$15,000,000 & Over
0.20%

Interest rates quoted were effective April 14, 2017 and are subject to change without notice. Fees could reduce account earnings.
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%
$1,000,000 & Over 0.42% - 0.46%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.25%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.11%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.45%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.24%


Interest rates quoted were effective April 14, 2017  and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

** Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517
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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.35% $500
30-35 Months 0.40% $500
36 Months & Over 0.50% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


13 Months 0.20% $2,500
27 Months 0.35% $2,500
49 Months 1.00% $2,500
39 Months 1.10% $2,500










Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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Hastings rates (tabbed panel content)

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.10%
$2,500 - $4,999.99 0.10% - 0.13%
$5,000 - $49,999.99 0.12% - 0.19%
$50,000 & Over 0.19% - 0.22%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - 49,999.99 0.22% - 0.31%

$50,000 - $99,999.99
0.31% - 0.40%
$100,000 - $199,999.99 0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%

$1,000,000 & Over 0.65% - 0.72%
Repurchase Agreement $25,000 & Over 0.25%
ICS® Demand Deposit**
$0 - $999,999.00
0.15%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.20%

Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%
$50,000 - $99,999.99 0.31% - 0.40%
$100,000 - $199,999.99
0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%
$1,000,000 & Over 0.65% - 0.72%
ICS® Money Market**
$0 - $999,999.99 0.35%

$1,000,000 - $14,999,999.99 0.65%

$15,000,000 - & Over 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.13%
IRA Savings Account $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.19%
$25,000 - $49,999.99
0.24%
$50,000 - $99,999.99 0.29%
$100,000 - $199,999.99 0.49%
$200,000 & Over
0.59%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.10%
Winter FUNd & Summer FUNd n/a 0.49%


Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**   Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.25% $500
6-11 Months 0.30% $500
12-23 Months 0.35% $500
24-29 Months 0.55% $500
30-35 Months 0.60% $500
36 Months & Over 0.70% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.49%
$100



Special Terms



11 Months 0.34% $2,500
27 Months 0.89% $2,500
48 Months1.30%$2,500








Apply for a Certificate of Deposit

Interest rates quoted were effective March 30, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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La Crescent rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.25%
$10,000 - $14,999.99 0.25% - 0.33%

$15,000 - $24,999.99 0.33% - 0.40%

$25,000 & Over 0.40% - 0.70%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.27%
$200,000 - $999,999.99 0.27% - 0.37%

$1,000,000 & Over 0.37% - 0.49%
Repurchase Agreement n/a
0 .25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.30%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.30%
Interest rates quoted were effective  June 13, 2017 and are subject to change without notice. Fees could reduce account earnings.  
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.27%
$200,000 - $999,999.99 0.27% - 0.37%
$1,000,000 & Over 0.37% - 0.49%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.50%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.15%
$5,000 - $24,999.99 0.20%
$25,000 - $49,999.99
0.25%
$50,000 - $99,999.99 0.30%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective  June 13, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.24% $500
30-35 Months 0.29% $500
36 Months & Over 0. 44 %
$500
24 Months "Summit" IRA** 0.50%
$500
12 Months Home Buyer's CD*
0.25%
$100



Special Terms


14 Months0.35%$500
17 Months 1.03% $10,000 (new money)***
17 Months
1.15% $25,000 (new money)***
28 Months 0.70% $500
37 Months 1.33% $10,000 (new money)***
37 Months 1.45% $25,000 (new money)***
38 Months 1.25% $500

Apply for a Certificate of Deposit

Interest rates quoted were effective June 13, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
***Money not currently on deposit at Merchants Bank.
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Lakeville rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.10%
$2,500 - $4,999.99 0.10% - 0.13%
$5,000 - $49,999.99 0.12% - 0.19%
$50,000 & Over 0.19% - 0.22%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%

$50,000 - $99,999.99
0.31% - 0.40%
$100,000 - $199,999.99 0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%

$1,000,000 & Over 0.65% - 0.72%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.15%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.20%

Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%
$50,000 - $99,999.99 0.31% - 0.40%
$100,000 - $199,999.99
0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%
$1,000,000 & Over 0.65% - 0.72%
ICS® Money Market**
$0 - $999,999.99 0.35%

$1,000,000 - $14,999,999.99 0.65%

$15,000,000 & Over 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.13%
IRA Savings Account $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.19%
$25,000 - $49,999.99
0.24%
$50,000 - $99,999.99 0.29%
$100,000 - $199,999.99 0.49%
$200,000 & Over
0.59%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.10%
Winter FUNd & Summer FUNd n/a 0.49%


Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.25% $500
6-11 Months 0.30% $500
12-23 Months 0.35% $500
24-29 Months 0.55% $500
30-35 Months 0.60% $500
36 Months & Over 0.70% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.49%
$100



Special Terms



11 Months 0.34% $2,500
27 Months 0.89% $2,500
48 Months1.30%$2,500








Apply for a Certificate of Deposit

Interest rates quoted were effective March 30, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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Lanesboro rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.25%
$10,000 - $14,999.99 0.25% - 0.33%

$15,000 - $24,999.99 0.33% - 0.40%

$25,000 & Over 0.40% - 0.70%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.27%
$200,000 - $999,999.99 0.27% - 0.37%

$1,000,000 & Over 0.37% - 0.49%
Repurchase Agreement n/a
0.25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.30%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.30%

Interest rates quoted were effective  June 13, 2017  and are subject to change without notice. Fees could reduce account earnings. 
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.27%
$200,000 - $999,999.99 0.27% - 0.37%
$1,000,000 & Over 0.37% - 0.49%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.50%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.15%
$5,000 - $24,999.99 0.20%
$25,000 - $49,999.99
0.25%
$50,000 - $99,999.99 0.30%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective  June 13, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.24% $500
30-35 Months 0.29% $500
36 Months & Over 0.44% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


14 Months0.35%$500
17 Months 1.03% $10,000 (new money)***
17 Months 1.15% $25,000 (new money)***
28 Months 0.70% $500
37 Months 1.33% $10,000 (new money)***
37 Months 1.45% $25,000 (new money)***
38 Months 1.25% $500

Apply for a Certificate of Deposit

Interest rates quoted were effective June 13, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD. 
***Money not currently on deposit at Merchants Bank.
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Onalaska rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.08%
$5,000 - $49,999.99 0.08% - 0.14%
$50,000 & Over 0.14% - 0.17%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%

$50,000 - $99,999.99
0.31% - 0.40%
$100,000 - $199,999.99 0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%

$1,000,000 & Over 0.65% - 0.72%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.30%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.30%

Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%
$50,000 - $99,999.99 0.31% - 0.40%
$100,000 - $199,999.99
0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%
$1,000,000 & Over 0.65% - 0.72%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.50%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.07%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.35%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.49%


Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


Please scroll left to view the rest of the table.
Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.35% $500
30-35 Months 0.40% $500
36 Months & Over 0.45% $500
24 Month "Summit" IRA** 0.45%
$500
12 Month Home Buyer's CD*
0.49%
$100



Special Terms


14 Months0.35%$500
28 Months0.70%$500
38 Months1.25%$500
17 Months1.03%$10,000 (new money)***
17 Months1.15%$25,000 (new money)***
37 Months1.33%
$10,000 (new money)***
37 Months1.45%$25,000 (new money)***

Apply for a Certificate of Deposit

Interest rates quoted were effective March 30, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
***Money not currently on deposit at Merchants Bank.
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Red Wing rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.08%
$50,000 & Over 0.08% - 0.10%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.30%
Nonprofit Checking* $0 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%

$1,000,000 & Over 0.42% - 0.46%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99
0.35%

$1,000,000 - $14,999,999.99
0.35%

$15,000,000 & Over
0.20%

Interest rates quoted were effective April 14, 2017 and are subject to change without notice. Fees could reduce account earnings.
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%
$1,000,000 & Over 0.42% - 0.46%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.25%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.11%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.45%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective April 14, 2017  and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

** Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517
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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.15% $500
12-23 Months 0.20% $500
24-29 Months 0.35% $500
30-35 Months 0.40% $500
36 Months & Over 0.50% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


14 Months 0.50% $2,500
29 Months 0.80% $2,500 
39 Months
1.35%
$2,500







Apply for a Certificate of Deposit

Interest rates quoted were effective June 22, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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Rochester rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.08%
$50,000 & Over 0.08% - 0.10%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.30%

$15,000 - $24,999.99 0.30% - 0.34%

$25,000 & Over 0.34% - 0.42%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.30%
Nonprofit Checking* $0 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 -$49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%

$1,000,000 & Over 0.42% - 0.46%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99
0.35%

$1,000,000 - $14,999,999.99
0.35%

$15,000,000 & Over
0.20%

Interest rates quoted were effective April 14, 2017 and are subject to change without notice. Fees could reduce account earnings.
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.12%
$5,000 - $24,999.99 0.12% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.28%
$200,000 - $999,999.99 0.28% - 0.42%
$1,000,000 & Over 0.42% - 0.46%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.25%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.11%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.20%
$50,000 - $99,999.99 0.25%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.45%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.24%


Interest rates quoted were effective April 14, 2017  and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

** Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517
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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.05% $500
6-11 Months 0.05% $500
12-23 Months 0.05% $500
24-29 Months 0.15% $500
30-35 Months 0.40% $500
36 Months & Over 0.40% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.24%
$100



Special Terms


11 Months 0.50% $500
12 Months 0.90% $10,000 (new money)*** 
24 Months1.00%
$10,000 (new money)*** 
25 Months
0.80%
$500
35 Months0.85%$500
36 Months 1.25%
$10,000 (new money)*** 

Apply for a Certificate of Deposit

Interest rates quoted were effective February 20, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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Rosemount rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.10%
$2,500 - $4,999.99 0.10% - 0.13%
$5,000 - $49,999.99 0.12% - 0.19%
$50,000 & Over 0.19% - 0.22%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.28%
$10,000 - $14,999.99 0.28% - 0.32%

$15,000 - $24,999.99 0.32% - 0.39%

$25,000 & Over 0.39% - 0.50%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%

$50,000 - $99,999.99
0.31% - 0.40%
$100,000 - $199,999.99 0.40% - 0.49%
$200,000 - $999,999.99 0.49% - 0.65%

$1,000,000 & Over 0.65% - 0.72%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.15%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.20%

Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.14% - 0.22%
$25,000 - $49,999.99 0.22% - 0.31%
$50,000 - $99,999.99 0.31% - 0.40%
$100,000 - $199,999.99
0.40% - 0.49%
$200,000 - $999,999 0.49% - 0.65%
$1,000,000 & Over 0.65% - 0.72%
ICS® Money Market**
$0 - $999,999.99 0.35%

$1,000,000 - $14,999,999.99 0.65%

$15,000,000 & Over 0.35%
Advantage Savings* $0.00 - $2,499.99 0.10%
$2,500 & Over 0.10% - 0.13%
IRA Savings Account $0.00 - $4,999.99 0.14%
$5,000 - $24,999.99 0.19%
$25,000 - $49,999.99
0.24%
$50,000 - $99,999.99 0.29%
$100,000 - $199,999.99 0.49%
$200,000 & Over
0.59%
Kids Savers Club n/a 0.10%
Basic Savings* $50 0.10%
Winter FUNd & Summer FUNd n/a 0.49%


Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.25% $500
6-11 Months 0.30% $500
12-23 Months 0.35% $500
24-29 Months 0.55% $500
30-35 Months 0.60% $500
36 Months & Over 0.70% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.49%
$100



Special Terms



11 Months 0.34% $2,500
27 Months 0.89% $2,500
48 Months1.30%$2,500






Apply for a Certificate of Deposit

Interest rates quoted were effective March 30, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
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Rushford rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.25%
$5,000 - $9,999.99 0.25% - 0.25%
$10,000 - $14,999.99 0.25% - 0.33%

$15,000 - $24,999.99 0.33% - 0.40%

$25,000 & Over 0.40% - 0.70%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.27%
$200,000 - $999,999.99 0.27% - 0.37%

$1,000,000 & Over 0.37% - 0.49%
Repurchase Agreement n/a
0.25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.30%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.30%

Interest rates quoted were effective  June 134, 2017 and are subject to change without notice. Fees could reduce account earnings. 
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.27%
$200,000 - $999,999.99 0.27% - 0.37%
$1,000,000 & Over 0.37% - 0.49%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.50%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.15%
$5,000 - $24,999.99 0.20%
$25,000 - $49,999.99
0.25%
$50,000 - $99,999.99 0.30%
$100,000 - $199,999.99 0.40%
$200,000 & Over
0.50%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective  June 13, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.10% $500
6-11 Months 0.10% $500
12-23 Months 0.15% $500
24-29 Months 0.24% $500
30-35 Months 0.29% $500
36 Months & Over 0.44% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


14 Months0.35%$500
17 Months 1.03% $10,000 (new money)***
17 Months 1.15% $25,000 (new money)***
28 Months 0.70% $500
37 Months 1.33% $10,000 (new money)***
37 Months 1.45% $25,000 (new money)***
38 Months 1.25% $500

Apply for a Certificate of Deposit

Interest rates quoted were effective June 13, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD.
***Money not currently on deposit at Merchants Bank.
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Spring Grove rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.15%
$5,000 - $9,999.99 0.15% - 0.17%
$10,000 - $14,999.99 0.17% - 0.22%

$15,000 - $24,999.99 0.22% - 0.29%

$25,000 & Over 0.29% - 0.37%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99
0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 
0.21% - 0.26%
$200,000 - $999,999.99
0.26% - 0.37%

$1,000,000 & Over
0.37% - 0.49%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99 
0.30%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.30%

*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.26%
$200,000 - $999,999.99 0.26% - 0.37%
$1,000,000 & Over 0.37% - 0.49%
ICS® Money Market**
$0 - $999,999.99 0.50%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.50%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.08%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99
0.17%
$50,000 - $99,999.99 0.20%
$100,000 - $199,999.99 0.28%
$200,000 & Over
0.36%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.24%


Interest rates quoted were effective  April 14, 2017 and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.05% $500
6-11 Months 0.10% $500
12-23 Months 0.20% $500
24-29 Months 0.32% $500
30-35 Months 0.37% $500
36 Months & Over 0.52% $500
24 Month "Summit" IRA** 0.52%
$500
12 Month Home Buyer's CD*
0.24%
$100






Special Terms



17 Months
1.03%
$10,000 (new money)***
17 Months 1.15%$25,000 (new money)***

37 Months1.33%$10,000 (new money)***
37 Months1.45% $25,000 (new money)***

Apply for a Certificate of Deposit

Interest rates quoted were effective February 7, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD. 
***Money not currently on deposit at Merchants Bank.
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Saint Charles rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.15%
$5,000 - $9,999.99 0.15% - 0.17%
$10,000 - $14,999.99 0.17% - 0.22%

$15,000 - $24,999.99 0.22% - 0.29%

$25,000 & Over 0.29% - 0.37%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.27%
$200,000 - $999,999.99 0.27% - 0.37%

$1,000,000 & Over 0.37% - 0.49%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99
0.15%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.20%

Interest rates quoted were effective April 14, 2017 and are subject to change without notice. Fees could reduce account earnings.
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.27%
$200,000 - $999,999 0.27% - 0.37%
$1,000,000 & Over 0.37% - 0.49%
ICS® Money Market**
$0 - $999,999.99 0.35%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.25%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.07%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.12%
$25,000 - $49,999.99
0.17%
$50,000 - $99,999.99 0.20%
$100,000 - $199,999.99 0.28%
$200,000 & Over
0.36%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective April 14, 2017  and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

** Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517
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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.05% $500
6-11 Months 0.10% $500
12-23 Months 0.20% $500
24-29 Months 0.32% $500
30-35 Months 0.37% $500
36 Months & Over 0.52% $500
24 Month "Summit" IRA** 0.52%
$500
Home Buyer's CD*
0.25%
$100



Special Terms


17 Months 1.03% $10,000 (new money)***
17 Months
1.15%
$25,000 (new money)*** 
37 Months
1.33%$10,000 (new money)***
37 Months 1.45% $25,000 (new money)***
14 Months0.35%$500
28 Months 0.70%
$500
38 Months1.25%$500






Apply for a Certificate of Deposit

Interest rates quoted were effective March 31, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD. 
***Money not currently on deposit at Merchants Bank.
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Winona rates (tabbed panel content)

Select Checking, Savings, CDs or Mortgage tab above to view specific rates.

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Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Relationship Checking* /
Veterans Preferred Banking* /
Partnership Banking*
$0 - $2,499.99 0.05%
$2,500 - $4,999.99 0.05% - 0.05%
$5,000 - $49,999.99 0.05% - 0.05%
$50,000 & Over 0.05% - 0.08%
HSA Checking $0.00 - $4,999.99
0.15%
$5,000 - $9,999.99 0.15% - 0.17%
$10,000 - $14,999.99 0.17% - 0.22%

$15,000 - $24,999.99 0.22% - 0.29%

$25,000 & Over 0.29% - 0.37%


*Minimum deposit required to open a Relationship Checking Account - $50; Veterans Preferred Banking Checking Account - $50;  Partnership Banking Checking Account- $50.



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Business Checking Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Interest Business Checking n/a 0.10%
Nonprofit Checking* $0 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10 - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%

$50,000 - $99,999.99
0.17% - 0.21%
$100,000 - $199,999.99 0.21% - 0.27%
$200,000 - $999,999.99 0.27% - 0.37%

$1,000,000 & Over 0.37% - 0.49%
Repurchase Agreement n/a 0.25%
ICS® Demand Deposit**
$0 - $999,999.99
0.15%

$1,000,000 - $14,999,999.99
0.30%

$15,000,000 & Over
0.20%

Interest rates quoted were effective April 14, 2017 and are subject to change without notice. Fees could reduce account earnings.
*Nonprofit Checking rates may differ for public fund entities. Contact branch for current rates.

**Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517


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Savings Account Minimum Balance per Tier 
Required to Earn APY
Annual Percentage Yield
Diamond Money Market* $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.10% - 0.14%
$25,000 - $49,999.99 0.14% - 0.17%
$50,000 - $99,999.99 0.17% - 0.21%
$100,000 - $199,999.99
0.21% - 0.27%
$200,000 - $999,999.99 0.27% - 0.37%
$1,000,000 & Over 0.37% - 0.49%
ICS® Money Market**
$0 - $999,999.99 0.35%

$1,000,000 - $14,999,999.99 0.50%

$15,000,000 & Over 0.25%
Advantage Savings* $0.00 - $2,499.99 0.05%
$2,500 & Over 0.05% - 0.07%
IRA Savings Account $0.00 - $4,999.99 0.10%
$5,000 - $24,999.99 0.12%
$25,000 - $49,999.99
0.17%
$50,000 - $99,999.99 0.20%
$100,000 - $199,999.99 0.28%
$200,000 & Over
0.36%
Kids Savers Club n/a 0.05%
Basic Savings* $50 0.05%
Winter FUNd & Summer FUNd n/a 0.25%


Interest rates quoted were effective April 14, 2017  and are subject to change without notice. Fees could reduce account earnings. 

*Minimum deposit required to open a Diamond Money Market - $5,000; Advantage Savings - $1,000; Basic Savings - $50.  Diamond Money Market rates may differ for public fund entities. Contact branch for current rates.

** Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, CDARS, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 0517
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Certificate of Deposit Term Annual Percentage Yield Minimum Deposit to Open Account
3-5 Months 0.05% $500
6-11 Months 0.10% $500
12-23 Months 0.20% $500
24-29 Months 0.32% $500
30-35 Months 0.37% $500
36 Months & Over 0.52% $500
24 Month "Summit" IRA** 0.52%
$500
12 Month Home Buyer's CD*
0.25%
$100



Special Terms


14 Months 0.35% $500
17 Months
1.03%
$10,000 (new money)*** 
17 Months 1.15%$25,000 (new money)***
28 Months 0.70% $500
37 Months 1.33% $10,000 (new money)***
37 Months 1.45% $25,000 (new money)***
38 Months1.25%$500





Apply for a Certificate of Deposit

Interest rates quoted were effective  March 22, 2017 and are subject to change without notice. Fees could reduce account earnings. 

Please inquire about other available CD terms, IRA CDs, and HSA CDs. On certificate terms of less than one year the interest is not compounded. A penalty may be imposed for early withdrawal.

* 12 Month Home Buyer's CD requires a $100 minimum opening deposit and a $100 minimum monthly deposit. Additional deposits may be made at any time. Withdrawals prior to maturity will not be subject to penalty if the funds are used to purchase a primary residence that is financed through Merchants Bank, unless funds are withdrawn within 6 days after initial deposit. In this case there is a minimum penalty of 7 days interest. If funds are withdrawn prior to maturity for any other reason a penalty of 180 days interest will be assessed. When funds are withdrawn, either prior to or at maturity, the entire balance must be withdrawn. Partial withdrawals will not be allowed. Mortgage loan is subject to credit approval.
**Minimum deposits of $100 can be added throughout the term of the CD. 
***Money not currently on deposit at Merchants Bank.
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