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Select a location from the drop-down list and then click the "Show Rates" button to reveal the rates below for that banking area.

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 0.20%

$5,000 - $24,999.99 0.20- 0.28%

$25,000 - $49,999.99 0.28 - 0.34%

$50,000 - $99,999.99
0.34% - 0.44%

$100,000 - $199,999.99 0.44% - 0.53%

$200,000 - $999,999.99 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
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 19, 2018 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 0.20%

$5,000 - $24,999.99 0.20% - 0.28%

$25,000 - $49,999.99 0.28% - 0.34%

$50,000 - $99,999.99 0.34% - 0.44%

$100,000 - $199,999.99
0.44% - 0.53%

$200,000 - $999,999.99 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
ICS® Money Market** $0 - $999,999.99 0.65%

$1,000,000 - $14,999,999.99 1.22%

$15,000,000 & Over 0.65%
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 0.54%

Interest rates quoted were effective April 19, 2018 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 0.35% $500
6-11 Months 0.35% $500
12-23 Months 0.60% $500
24-29 Months 0.80% $500
30-35 Months 0.85% $500
36 Months & Over 0.95% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD*
0.54% $100

Special Terms
11 Months 1.00% $2500
21 Months 1.36% $2500
31 Months 1.51% $2500



Apply for a Certificate of Deposit

Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20//2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.400 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.12%

$5,000 - $24,999.99 0.12% - 0.16%

$25,000 - $49,999.99 0.16% - 0.19%

$50,000 - $99,999.99
0.19% - 0.23%

$100,000 - $199,999.99 0.23% - 0.28%

$200,000 - $999,999.99 0.28% - 0.47%

$1,000,000 & Over 0.47% - 0.59%
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 19, 2018 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% - 0.16%

$25,000 - $49,999.99 0.16% - 0.19%

$50,000 - $99,999.99 0.19% - 0.23%

$100,000 - $199,999.99
0.23% - 0.28%

$200,000 - $999,999.99 0.28% - 0.47%

$1,000,000 & Over 0.47% - 0.59%
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 0.26%

Interest rates quoted were effective April 19, 2018 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*
0.26%
$100

Special Terms
14 Month 0.75% $500
21 Month 1.10% $500
31 Month
1.25% $500



Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 4.025 % 4.091 % $1481.88 . . . . Rates effective 04/20/2018
20-Year Fixed Rate Loan 4.400 % 4.452 % $1254.53
30-Year Fixed Rate Loan 4.650 % 4.689 % $1031.27


Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.

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Cannon Falls rates (tabbed panel content)

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

Please scroll left to view the rest of the table.
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 0.15%

$5,000 - $24,999.99 0.15% - 0.23%

$25,000 - $49,999.99 0.23% - 0.27%

$50,000 - $99,999.99
0.27% - 0.38%

$100,000 - $199,999.99 0.38% - 0.52%

$200,000 - $999,999.99 0.52% - 0.71%

$1,000,000 & Over 0.71% - 0.86%
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 19, 2018 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
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 0.15%

$5,000 - $24,999.99 0.15% - 0.23%

$25,000 - $49,999.99 0.23% - 0.27%

$50,000 - $99,999.99 0.27% - 0.38%

$100,000 - $199,999.99
0.38% - 0.52%

$200,000 - $999,999.99 0.52% - 0.71%

$1,000,000 & Over 0.71% - 0.86%
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% - 0.13%
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 0.10%
Winter FUNd & Summer FUNd n/a 0.50%

Interest rates quoted were effective April 19, 2018 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 0.15% $500
6-11 Months 0.20% $500
12-23 Months 0.30% $500
24-29 Months 0.45% $500
30-35 Months 0.50% $500
36 Months & Over 0.60% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD* 0.50%
$100

Special Terms
15 Months 1.25% $2,500
28 Months 1.60%$2,500
39 Months 1.75% $2,500



Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20//2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.400 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.20%

$5,000 - $24,999.99 0.20% - 0.28%

$25,000 - $49.999.99 0.28% - 0.34%

$50,000 - $99,999.99
0.34% - 0.44%

$100,000 - $199,999.99 0.44% - 0.53%

$200,000 - $999,999.99 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
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 19, 2018 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
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 0.20%

$5,000 - $24,999.99 0.20% - 0.28%

$25,000 - $49,999.99 0.28% - 0.34%

$50,000 - $99,999.99 0.34% - 0.44%

$100,000 - $199,999.99
0.44% - 0.53%

$200,000 - $999,999.99 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
ICS® Money Market** $0 - $999,999.99 0.65%

$1,000,000 - $14,999,999.99 1.22%

$15,000,000 & Over 0.65%
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 0.54%

Interest rates quoted were effective April 19, 2018 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 0.35% $500
6-11 Months 0.35% $500
12-23 Months 0.60% $500
24-29 Months 0.80% $500
30-35 Months 0.85% $500
36 Months & Over 0.95% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD* 0.54%
$100

Special Terms
11 Months 1.00% $2,500
21 Months 1.36% $2,500
31 Months
1.51%
$2,500



Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20//2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.400 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.40%

$5,000 - $24,999.99 0.40% - 0.40%

$25,000 - $49,999.99 0.40% - 0.40%

$50,000 - $99,999.99
0.40% - 0.58%

$100,000 - $199,999.99 0.58% - 0.66%

$200,000 - $999,999.99 0.66% - 0.90%

$1,000,000 & Over 0.90% - 1.23%
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 19, 2018 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 0.40%

$5,000 - $24,999.99 0.40% - 0.40%

$25,000 - $49,999.99 0.40% - 0.40%

$50,000 - $99,999.99 0.40% - 0.58%

$100,000 - $199,999.99
0.58% - 0.66%

$200,000 - $999,999.99 0.66% - 0.90%

$1,000,000 & Over 0.90% - 1.23%
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% - 0.23%
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 0.50%
Winter FUNd & Summer FUNd n/a 0.75%

Interest rates quoted were effective April 19, 2018 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
5 Months 
1.50% $10,000 (new money)***
5 Months
1.70%
$25,000 (new money)***
14 Months
1.05% $500.00
21 Months
1.20%
$500.00
31 Months
1.50%
$500.00







 





Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 4.025 % 4.091 % $1481.88 . . . . Rates effective 04/20/2018
20-Year Fixed Rate Loan 4.400 % 4.452 % $1254.53
30-Year Fixed Rate Loan 4.650 % 4.689 % $1031.27

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 November 10, 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 November 10, 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



Interest rates quoted were effective November 10, 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20//2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.400 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.20%

$5,000 - $24,999.99 0.20% - 0.28%

$25,000 - 49,999.99 0.28% - 0.34%

$50,000 - $99,999.99
0.34% - 0.44%

$100,000 - $199,999.99 0.44% - 0.53%

$200,000 - $999,999.99 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
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 19, 2018 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 0.20%

$5,000 - $24,999.99 0.20% - 0.28%

$25,000 - $49,999.99 0.28% - 0.34%

$50,000 - $99,999.99 0.34%-0.44%

$100,000 - $199,999.99
0.44% - 0.53%

$200,000 - $999,999.99 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
ICS® Money Market**
$0 - $999,999.99 0.65%

$1,000,000 - $14,999,999.99 1.22%

$15,000,000 - & Over 0.65%
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 0.54%

Interest rates quoted were effective April 19, 2018 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 0.35% $500
6-11 Months 0.35% $500
12-23 Months 0.60% $500
24-29 Months 0.80% $500
30-35 Months 0.85% $500
36 Months & Over 0.95% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD* 0.54%
$100

Special Terms
11 Months 1.00% $2,500
21 Months 1.36% $2,500
31 Months 1.51% $2,500



Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20//2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.400 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 April 13, 2018 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 April 13, 2018 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 Months 0.75% $500
21 Months 1.10% $500
31 Month 1.25% $500





Interest rates quoted were effective April 13, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 4.025 % 4.091 % $1481.88 . . . . Rates effective 04/20/2018
20-Year Fixed Rate Loan 4.400 % 4.452 % $1254.53
30-Year Fixed Rate Loan 4.650 % 4.689 % $1031.27

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.20%

$5,000 - $24,999.99 0.20% - 0.28%

$25,000 - $49,999.99 0.28% - 0.34%

$50,000 - $99,999.99
0.34% - 0.44%

$100,000 - $199,999.99 0.44% - 0.53%

$200,000 - $999,999.99 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
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 19, 2018 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 0.20%

$5,000 - $24,999.99 0.20% - 0.28%

$25,000 - $49,999.99 0.28% - 0.34%

$50,000 - $99,999.99 0.34% - 0.44%

$100,000 - $199,999.99
0.44% - 0.53%

$200,000 - $999,999.99 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
ICS® Money Market** $0 - $999,999.99 0.65%

$1,000,000 - $14,999,999.99 1.22%

$15,000,000 & Over 0.65%
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 0.54%

Interest rates quoted were effective April 19, 2018 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 0.35% $500
6-11 Months 0.35% $500
12-23 Months 0.60% $500
24-29 Months 0.80% $500
30-35 Months 0.85% $500
36 Months & Over 0.95% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD* 0.54%
$100

Special Terms
11 Months 1.00% $2,500
21 Months 1.36% $2,500
31 Months 1.51% $2,500



Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20//2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.400 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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Lanesboro 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 0.05%

$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 0.12%

$5,000 - $24,999.99 0.12% - 0.16%

$25,000 - $49,999.99 0.16% - 0.19%

$50,000 - $99,999.99
0.19% - 0.23%

$100,000 - $199,999.99 0.23% - 0.28%

$200,000 - $999,999.99 0.28% - 0.47%

$1,000,000 & Over 0.47% - 0.59%
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 13, 2018 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% - 0.16%

$25,000 - $49,999.99 0.16% - 0.19%

$50,000 - $99,999.99 0.19% - 0.23%

$100,000 - $199,999.99
0.23% - 0.28%

$200,000 - $999,999.99 0.28% - 0.47%

$1,000,000 & Over 0.47% - 0.59%
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 0.26%


Interest rates quoted were effective April 13, 2018 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 0.16% $500
12-23 Months 0.26% $500
24-29 Months 0.41% $500
30-35 Months 0.45% $500
36 Months & Over 0.56% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD* 0.26%
$100

Special Terms
14 Months 0.75% $500.00 
21 Months 1.10% $500.00
31 Months 1.25% $500.00



Interest rates quoted were effective April 13, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20/2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.40 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 20, 2018 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% - 0.10%
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 20, 2018 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 0.35% $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
 






Interest rates quoted were effective April 20, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 4.025 % 4.091 % $1481.88 . . . . Rates effective 04/20/2018
20-Year Fixed Rate Loan 4.400 % 4.452 % $1254.53
30-Year Fixed Rate Loan 4.650 % 4.689 % $1031.27

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.15%

$5,000 - $24,999.99 0.15% - 0.23%

$25,000 - $49,999.99 0.23% - 0.27%

$50,000 - $99,999.99
0.27% - 0.38%

$100,000 - $199,999.99 0.38% - 0.52%

$200,000 - $999,999.99 0.52% - 0.71%

$1,000,000 & Over 0.71% - 0.86%
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 19, 2018 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 0.15%

$5,000 - $24,999.99 0.15% - 0.23%

$25,000 - $49,999.99 0.23% - 0.27%

$50,000 - $99,999.99 0.27% - 0.38%

$100,000 - $199,999.99
0.38% - 0.52%

$200,000 - $999,999.99 0.52% - 0.71%

$1,000,000 & Over 0.71% - 0.86%
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% - 0.13%
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 0.10%
Winter FUNd & Summer FUNd n/a 0.50%

Interest rates quoted were effective April 19, 2018 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 0.15% $500
6-11 Months 0.20% $500
12-23 Months 0.30% $500
24-29 Months 0.45% $500
30-35 Months 0.50% $500
36 Months & Over 0.60% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD* 0.50% $100

Special Terms
15 Months 1.25% $2,500
28 Months 1.60% $2,500
39 Months 1.75% $2,500



Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20//2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.400 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.15%

$5,000 - $24,999.99 0.15% - 0.23%

$25,000 -$49,999.99 0.23% - 0.27%

$50,000 - $99,999.99
0.27% - 0.38%

$100,000 - $199,999.99 0.38% - 0.52%

$200,000 - $999,999.99 0.52% - 0.71%

$1,000,000 & Over 0.71% - 0.86%
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 19, 2018 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 0.15%

$5,000 - $24,999.99 0.15% - 0.23%

$25,000 - $49,999.99 0.23% - 0.27%

$50,000 - $99,999.99 0.27% - 0.38%

$100,000 - $199,999.99
0.38% - 0.52%

$200,000 - $999,999.99 0.52% - 0.71%

$1,000,000 & Over 0.71% - 0.86%
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% - 0.13%
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 0.10%
Winter FUNd & Summer FUNd n/a 0.50%

Interest rates quoted were effective April 19, 2018 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 0.15% $500
6-11 Months 0.30% $500
12-23 Months 0.50% $500
24-29 Months 0.60% $500
30-35 Months 0.75% $500
36 Months & Over 0.95% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD* 0.50% $100

Special Terms
15 Months 1.25%
$2,500
35 Months 1.60% $2,500
55 Months 1.85% $2,500


Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20//2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.400 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.20%

$5,000 - $24,999.99 0.20% - 0.28%

$25,000 - $49,999.99 0.28% - 0.34%

$50,000 - $99,999.99
0.34% - 0.44%

$100,000 - $199,999.99 0.44% - 0.53%

$200,000 - $999,999.99 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
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 19, 2018 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 0.20%

$5,000 - $24,999.99 0.20% - 0.28%

$25,000 - $49,999.99 0.28% - 0.34%

$50,000 - $99,999.99 0.34% - 0.44%

$100,000 - $199,999.99
0.44% - 0.53%

$200,000 - $999,999 0.53% - 0.67%

$1,000,000 & Over 0.67% - 1.00%
ICS® Money Market** $0 - $999,999.99 0.65%

$1,000,000 - $14,999,999.99 1.22%

$15,000,000 & Over 0.65%
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 0.54%

Interest rates quoted were effective April 19, 2018 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 0.35% $500
6-11 Months 0.35% $500
12-23 Months 0.60% $500
24-29 Months 0.80% $500
30-35 Months 0.85% $500
36 Months & Over 0.95% $500
24 Month "Summit" IRA** 0.50%
$500
12 Month Home Buyer's CD* 0.54% $100

Special Terms
11 Months 1.00% $2,500
21 Months 1.36% $2,500
31 Months 1.51% $2,500



Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20//2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.400 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 November 10, 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 November 10, 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 Months 0.75% $500 
21 Months 1.10% $500
31 Months 1.25% $500





Interest rates quoted were effective April 13, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20/2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.40 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.12%

$5,000 - $24,999.99 0.12% - 0.16%

$25,000 - $49,999.99
0.16% - 0.19%

$50,000 - $99,999.99
0.19% - 0.23%

$100,000 - $199,999.99 
0.23% - 0.28%

$200,000 - $999,999.99
0.28% - 0.47%

$1,000,000 & Over
0.47% - 0.59%
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 19, 2018 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% - 0.16%

$25,000 - $49,999.99 0.16% - 0.19%

$50,000 - $99,999.99 0.19% - 0.23%

$100,000 - $199,999.99
0.23% - 0.28%

$200,000 - $999,999.99 0.28% - 0.47%

$1,000,000 & Over 0.47% - 0.59%
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 0.26%

Interest rates quoted were effective April 19, 2018 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* 0.26% $100

Special Terms
14 Month 0.75% $500
21 Month 1.10% $500
31 Month 1.25% $500




Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 4.025 % 4.091 % $1481.88 . . . . Rates effective 04/20/2018
20-Year Fixed Rate Loan 4.400 % 4.452 % $1254.53
30-Year Fixed Rate Loan 4.650 % 4.689 % $1031.27

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.12%

$5,000 - $24,999.99 0.12% - 0.16%

$25,000 - $49,999.99 0.16% - 0.19%

$50,000 - $99,999.99
0.19% - 0.23%

$100,000 - $199,999.99 0.23% - 0.28%

$200,000 - $999,999.99 0.28% - 0.47%

$1,000,000 & Over 0.47% - 0.59%
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 19, 2018 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% - 0.16%

$25,000 - $49,999.99 0.16% - 0.19%

$50,000 - $99,999.99 0.19% - 0.23%

$100,000 - $199,999.99
0.23% - 0.28%

$200,000 - $999,999 0.28% - 0.47%

$1,000,000 & Over 0.47% - 0.59%
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% - 0.08%
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 0.26%

Interest rates quoted were effective April 19, 2018 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 0.16% $500
12-23 Months 0.26% $500
24-29 Months 0.41% $500
30-35 Months 0.45% $500
36 Months & Over 0.56% $500
24 Month "Summit" IRA** 0.52% $500
Home Buyer's CD* 0.26% $100
Funeral Home 0.56% N/A

Special Terms
14 Months 0.75% $500
21 Months 1.10% $500
31 Months 1.25% $500



Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20/2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.40 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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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 0.12%

$5,000 - $24,999.99 0.12 - 0.16%

$25,000 - $49,999.99 0.16% - 0.19%

$50,000 - $99,999.99
0.19% - 0.23%

$100,000 - $199,999.99 0.23% - 0.28%

$200,000 - $999,999.99 0.28% - 0.47%

$1,000,000 & Over 0.47% - 0.59%
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 19, 2018 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% - 0.16%

$25,000 - $49,999.99 0.16% - 0.19%

$50,000 - $99,999.99 0.19% - 0.23%

$100,000 - $199,999.99
0.23% - 0.28%

$200,000 - $999,999.99 0.28% - 0.47%

$1,000,000 & Over 0.47% - 0.59%
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% - 0.08%
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 0.26%

Interest rates quoted were effective April 19, 2018 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 0.16% $500
12-23 Months 0.26% $500
24-29 Months 0.41% $500
30-35 Months 0.45% $500
36 Months & Over 0.56% $500
24 Month "Summit" IRA** 0.52% $500
12 Month Home Buyer's CD* 0.26% $100
Funeral Home 0.56% N/A
Special Terms
14 Months 0.75% $500
21 Months 1.10%
$500
31 Months 1.25% $500





Interest rates quoted were effective April 19, 2018 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.
Term Rate APR Payment
15-Year Fixed Rate Loan 3.775 % 3.987 % $1456.93 . . . . Rates effective 04/20/2018
20-Year Fixed Rate Loan 4.150 % 4.317 % $1227.83
30-Year Fixed Rate Loan 4.40 % 4.522 % $1001.52

Subject to approval. APR = Annual Percentage Rate. Estimates below are based on a loan amount of $200,000 with 20% down payment and prepaid finance charges of $2,900. Rates are for the financing of a single-family primary residence with a 45-day lock. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Rates also may be higher for cash-out refinances above 70% Loan-to-Value, non-escrowed loans, loan amounts below $100,000 and/or loan amounts greater than $453,100. 30-Year Fixed = 360 monthly payments. 20-Year Fixed = 240 monthly payments. 15-Year Fixed = 180 monthly payments. Payment does not include taxes and insurance and actual payment obligation may be greater.
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