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)
- Show Apple Valley Checking Rates
- Show Apple Valley Savings Rates
- Show Apple Valley CDs Rates
- Show Apple Valley Mortgage Rates
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 | 0.10% |
| | $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.
Please scroll left to view the rest of the table.
| 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 | 0.26% |
| | $5,000 - $24,999.99 | 0.26- 0.46% |
| | $25,000 - $49,999.99 | 0.46 - 0.54% |
| | $50,000 - $99,999.99 | 0.54% - 0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999.99 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| 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 June 22, 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 - $4,999.99 | 0.26% |
| | $5,000 - $24,999.99 | 0.26% - 0.46% |
| | $25,000 - $49,999.99 | 0.46% - 0.54% |
| | $50,000 - $99,999.99 | 0.54% - 0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999.99 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| ICS® Money Market** | $0 - $999,999.99 | 0.65% |
| | $1,000,000 - $14,999,999.99 | 1.59% |
| | $15,000,000 & Over | 0.65% |
| Advantage Savings* | $0 - $2,499.99 | 0.10% |
| | $2,500 & Over | 0.10% - 0.15% |
| IRA Savings Account | $0.00 - $4,999.99 | 0.15% |
| | $5,000 - $24,999.99 | 0.25% |
| | $25,000 - $49,999.99 | 0.30% |
| | $50,000 - $99,999.99 | 0.40% |
| | $100,000 - $199,999.99 | 0.60% |
| | $200,000 & Over | 0.75% |
| Kids Savers Club | n/a | 0.10% |
| Basic Savings* | $50 | 0.10% |
| Winter FUNd & Summer FUNd | n/a | 0.75% |
Interest rates quoted were effective June 22, 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.50% | $500 |
| 6-11 Months | 0.60% | $500 |
| 12-23 Months | 0.80% | $500 |
| 24-29 Months | 1.00% | $500 |
| 30-35 Months | 1.15% | $500 |
| 36 Months & Over | 1.25% | $500 |
| 24 Month "Summit" IRA** | 0.50% | $500 |
| 12 Month Home Buyer's CD* | 0.75% | $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 June 22, 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 06/22/2018 |
| 20-Year Fixed Rate Loan | 4.150 % | 4.3173 % | $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.
Caledonia rates (tabbed panel content)
- Show Caledonia Checking Rates
- Show Caledonia Savings Rates
- Show Caledonia CDs Rates
- Show Caledonia Mortgage Rates
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% - 0.05% |
| | $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.
Please scroll left to view the rest of the table.
| 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 27, 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 | 0.12% |
| | $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 27, 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.13% | $500 |
| 6-11 Months | 0.19% | $500 |
| 12-23 Months | 0.29% | $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 |
| | ||
Special Terms | ||
| 14 Month | 0.75% | $500 |
| 21 Month | 1.10% | $500 |
| | ||
Interest rates quoted were effective June 21, 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 06/22/2018 |
| 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.
Cannon Falls rates (tabbed panel content)
- Show Cannon Falls Checking Rates
- Show Cannon Falls Savings Rates
- Show Cannon Falls CDs Rates
- Show Cannon Falls Mortgage Rates
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.
Please scroll left to view the rest of the table.
| 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.15% | $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 06/22/2018 |
| 20-Year Fixed Rate Loan | 4.150 % | 4.3173 % | $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.
Cottage Grove rates (tabbed panel content)
- Show Cottage Grove Checking Rates
- Show Cottage Grove Savings Rates
- Show Cottage Grove CDs Rates
- Show Cottage Grove Mortgage Rates
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 | 0.10% |
| | $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.
Please scroll left to view the rest of the table.
| 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 | 0.26% |
| | $5,000 - $24,999.99 | 0.26% - 0.46% |
| | $25,000 - $49.999.99 | 0.46% - 0.54% |
| | $50,000 - $99,999.99 | 0.54% - 0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999.99 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| 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 June 22, 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 | 0.26% |
| | $5,000 - $24,999.99 | 0.26% - 0.46% |
| | $25,000 - $49,999.99 | 0.46% - 0.54% |
| | $50,000 - $99,999.99 | 0.54% - 0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999.99 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| ICS® Money Market** | $0 - $999,999.99 | 0.65% |
| | $1,000,000 - $14,999,999.99 | 1.59% |
| | $15,000,000 & Over | 0.65% |
| Advantage Savings* | $0.00 - $2,499.99 | 0.10% |
| | $2,500 & Over | 0.10% - 0.15% |
| IRA Savings Account | $0.00 - $4,999.99 | 0.15% |
| | $5,000 - $24,999.99 | 0.25% |
| | $25,000 - $49,999.99 | 0.30% |
| | $50,000 - $99,999.99 | 0.40% |
| | $100,000 - $199,999.99 | 0.60% |
| | $200,000 & Over | 0.75% |
| Kids Savers Club | n/a | 0.10% |
| Basic Savings* | $50 | 0.10% |
| Winter FUNd & Summer FUNd | n/a | 0.75% |
Interest rates quoted were effective June 22, 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.50% | $500 |
| 6-11 Months | 0.60% | $500 |
| 12-23 Months | 0.80% | $500 |
| 24-29 Months | 1.00% | $500 |
| 30-35 Months | 1.15% | $500 |
| 36 Months & Over | 1.25% | $500 |
| 24 Month "Summit" IRA** | 0.50% | $500 |
| 12 Month Home Buyer's CD* | 0.75% | $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 June 22, 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 06/22/2018 |
| 20-Year Fixed Rate Loan | 4.150 % | 4.3173 % | $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.
Eau Claire rates (tabbed panel content)
- Show Eau Claire Checking Rates
- Show Eau Claire Savings Rates
- Show Eau Claire CDs Rates
- Show Eau Claire Mortgage Rates
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% - 0.05% |
| | $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.
Please scroll left to view the rest of the table.
| 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% - 1.28% |
| 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 | 0.40% |
| | $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% - 1.28% |
| 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 | 0.05% |
| 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.10% | $500 |
| 6-11 Months | 0.35% | $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 06/22/2018 |
| 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.
Hampton rates (tabbed panel content)
- Show Hampton Checking Rates
- Show Hampton Savings Rates
- Show Hampton CDs Rates
- Show Hampton Mortgage Rates
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.
Please scroll left to view the rest of the table.
| 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
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 | 0.12% |
| | $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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.10% | $500 |
| 6-11 Months | 0.15% | $500 |
| 12-23 Months | 0.20% | $500 |
| 24-29 Months | 0.35% | $500 |
| 30-35 Months | 0.40% | $500 |
| 36 Months & Over | 0.50% | $500 |
| 24 Month "Summit" IRA** | 0.50% | $500 |
| 12 Month Home Buyer's CD* | 0.25% | $100 |
| | ||
Special Terms | ||
| 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 06/22/2018 |
| 20-Year Fixed Rate Loan | 4.150 % | 4.3173 % | $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.
Hastings rates (tabbed panel content)
- Show Hastings Checking Rates
- Show Hastings Savings Rates
- Show Hastings CDs Rates
- Show Hastings Mortgage Rates
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 | 0.10% |
| | $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.
Please scroll left to view the rest of the table.
| 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 | 0.26% |
| | $5,000 - $24,999.99 | 0.26% - 0.46% |
| | $25,000 - 49,999.99 | 0.46% - 0.54% |
| | $50,000 - $99,999.99 | 0.54% - 0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999.99 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| 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 June 22, 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 | 0.26% |
| | $5,000 - $24,999.99 | 0.26% - 0.46% |
| | $25,000 - $49,999.99 | 0.46% - 0.54% |
| | $50,000 - $99,999.99 | 0.54%-0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999.99 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| ICS® Money Market** | $0 - $999,999.99 | 0.65% |
| | $1,000,000 - $14,999,999.99 | 1.59% |
| | $15,000,000 - & Over | 0.65% |
| Advantage Savings* | $0.00 - $2,499.99 | 0.10% |
| | $2,500 & Over | 0.10% - 0.15% |
| IRA Savings Account | $0.00 - $4,999.99 | 0.15% |
| | $5,000 - $24,999.99 | 0.25% |
| | $25,000 - $49,999.99 | 0.30% |
| | $50,000 - $99,999.99 | 0.40% |
| | $100,000 - $199,999.99 | 0.60% |
| | $200,000 & Over | 0.75% |
| Kids Savers Club | n/a | 0.05% |
| Basic Savings* | $50 | 0.10% |
| Winter FUNd & Summer FUNd | n/a | 0.75% |
Interest rates quoted were effective June 22, 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.50% | $500 |
| 6-11 Months | 0.60% | $500 |
| 12-23 Months | 0.80% | $500 |
| 24-29 Months | 1.00% | $500 |
| 30-35 Months | 1.15% | $500 |
| 36 Months & Over | 1.25% | $500 |
| 24 Month "Summit" IRA** | 0.50% | $500 |
| 12 Month Home Buyer's CD* | 0.75% | $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 June 22, 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 06/22/2018 |
| 20-Year Fixed Rate Loan | 4.150 % | 4.3173 % | $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.
La Crescent rates (tabbed panel content)
- Show La Crescent Checking Rates
- Show La Crescent Savings Rates
- Show La Crescent CDs Rates
- Show La Crescent Mortgage Rates
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% - 0.05% |
| | $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.
Please scroll left to view the rest of the table.
| 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
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 | 0.10% |
| | $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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.10% | $500 |
| 6-11 Months | 0.10% | $500 |
| 12-23 Months | 0.15% | $500 |
| 24-29 Months | 0.24% | $500 |
| 30-35 Months | 0.29% | $500 |
| 36 Months & Over | 0. 44 % | $500 |
| 24 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 |
| | ||
| | ||
| | ||
| | ||
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 06/22/2018 |
| 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.
Lakeville rates (tabbed panel content)
- Show Lakeville Checking Rates
- Show Lakeville Savings Rates
- Show Lakeville CDs Rates
- Show Lakeville Mortgage Rates
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 | 0.10% |
| | $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.
Please scroll left to view the rest of the table.
| 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 | 0.26% |
| | $5,000 - $24,999.99 | 0.26% - 0.46% |
| | $25,000 - $49,999.99 | 0.46% - 0.54% |
| | $50,000 - $99,999.99 | 0.54% - 0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999.99 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| 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 June 22, 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 | 0.26% |
| | $5,000 - $24,999.99 | 0.26% - 0.46% |
| | $25,000 - $49,999.99 | 0.46% - 0.54% |
| | $50,000 - $99,999.99 | 0.54% - 0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999.99 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| ICS® Money Market** | $0 - $999,999.99 | 0.65% |
| | $1,000,000 - $14,999,999.99 | 1.59% |
| | $15,000,000 & Over | 0.65% |
| Advantage Savings* | $0.00 - $2,499.99 | 0.10% |
| | $2,500 & Over | 0.10% - 0.15% |
| IRA Savings Account | $0.00 - $4,999.99 | 0.15% |
| | $5,000 - $24,999.99 | 0.25% |
| | $25,000 - $49,999.99 | 0.30% |
| | $50,000 - $99,999.99 | 0.40% |
| | $100,000 - $199,999.99 | 0.60% |
| | $200,000 & Over | 0.75% |
| Kids Savers Club | n/a | 0.10% |
| Basic Savings* | $50 | 0.10% |
| Winter FUNd & Summer FUNd | n/a | 0.75% |
Interest rates quoted were effective June 22, 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.50% | $500 |
| 6-11 Months | 0.60% | $500 |
| 12-23 Months | 0.80% | $500 |
| 24-29 Months | 1.00% | $500 |
| 30-35 Months | 1.15% | $500 |
| 36 Months & Over | 1.25% | $500 |
| 24 Month "Summit" IRA** | 0.50% | $500 |
| 12 Month Home Buyer's CD* | 0.75% | $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 June 22, 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 06/22/2018 |
| 20-Year Fixed Rate Loan | 4.150 % | 4.3173 % | $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.
Lanesboro rates (tabbed panel content)
- Show Lanesboro Checking Rates
- Show Lanesboro Savings Rates
- Show Lanesboro CDs Rates
- Show Lanesboro Mortgage Rates
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% - 0.05% |
| | $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.
Please scroll left to view the rest of the table.
| 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
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 | 0.12% |
| | $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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.10% | $500 |
| 6-11 Months | 0.16% | $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 |
| | ||
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 06/22/2018 |
| 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.
Onalaska rates (tabbed panel content)
- Show Onalaska Checking Rates
- Show Onalaska Savings Rates
- Show Onalaska CDs Rates
- Show Onalaska Mortgage Rates
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% - 0.08% |
| | $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.
Please scroll left to view the rest of the table.
| 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% - 0.83% |
| 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 24, 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 | 0.14% |
| | $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% - 0.83% |
| 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 24, 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.60% | $500 |
| 6-11 Months | 0.60% | $500 |
| 12-23 Months | 0.65% | $500 |
| 24-29 Months | 0.85% | $500 |
| 30-35 Months | 0.90% | $500 |
| 36 Months & Over | 0.95% | $500 |
| 24 Month "Summit" IRA** | 0.45% | $500 |
| 12 Month Home Buyer's CD* | 1.50% | $100 |
| | ||
Special Terms | ||
| 10 Months | 1.80% | $25,000 New Money*** |
| 14 Months | 0.75% | $500 |
| 21 Months | 1.10% | $500 |
| 21 Months | 2.20% | $25,000 New Money*** |
| 31 Months | 1.25% | $500 |
| 35 Months | 2.50% | $25,000 New Money*** |
| | | |
Interest rates quoted were effective April 24, 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.
***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 06/22/2018 |
| 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.
Red Wing rates (tabbed panel content)
- Show Red Wing Checking Rates
- Show Red Wing Savings Rates
- Show Red Wing CDs Rates
- Show Red Wing Mortgage Rates
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.
Please scroll left to view the rest of the table.
| 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.15% | $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 06/22/2018 |
| 20-Year Fixed Rate Loan | 4.150 % | 4.3173 % | $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.
Rochester rates (tabbed panel content)
- Show Rochester Checking Rates
- Show Rochester Savings Rates
- Show Rochester CDs Rates
- Show Rochester Mortgage Rates
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.
Please scroll left to view the rest of the table.
| 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.15% | $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 06/22/2018 |
| 20-Year Fixed Rate Loan | 4.150 % | 4.3173 % | $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.
Rosemount rates (tabbed panel content)
- Show Rosemount Checking Rates
- Show Rosemount Savings Rates
- Show Rosemount CDs Rates
- Show Rosemount Mortgage Rates
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 | 0.10% |
| | $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.
Please scroll left to view the rest of the table.
| 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 | 0.26% |
| | $5,000 - $24,999.99 | 0.26% - 0.46% |
| | $25,000 - $49,999.99 | 0.46% - 0.54% |
| | $50,000 - $99,999.99 | 0.54% - 0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999.99 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| 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 June 22, 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 | 0.26% |
| | $5,000 - $24,999.99 | 0.26% - 0.46% |
| | $25,000 - $49,999.99 | 0.46% - 0.54% |
| | $50,000 - $99,999.99 | 0.54% - 0.65% |
| | $100,000 - $199,999.99 | 0.65% - 0.73% |
| | $200,000 - $999,999 | 0.73% - 0.84% |
| | $1,000,000 & Over | 0.84% - 1.46% |
| ICS® Money Market** | $0 - $999,999.99 | 0.65% |
| | $1,000,000 - $14,999,999.99 | 1.59% |
| | $15,000,000 & Over | 0.65% |
| Advantage Savings* | $0.00 - $2,499.99 | 0.10% |
| | $2,500 & Over | 0.10% - 0.15% |
| IRA Savings Account | $0.00 - $4,999.99 | 0.15% |
| | $5,000 - $24,999.99 | 0.25% |
| | $25,000 - $49,999.99 | 0.30% |
| | $50,000 - $99,999.99 | 0.40% |
| | $100,000 - $199,999.99 | 0.60% |
| | $200,000 & Over | 0.75% |
| Kids Savers Club | n/a | 0.10% |
| Basic Savings* | $50 | 0.10% |
| Winter FUNd & Summer FUNd | n/a | 0.75% |
Interest rates quoted were effective June 22, 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.50% | $500 |
| 6-11 Months | 0.60% | $500 |
| 12-23 Months | 0.80% | $500 |
| 24-29 Months | 1.00% | $500 |
| 30-35 Months | 1.15% | $500 |
| 36 Months & Over | 1.25% | $500 |
| 24 Month "Summit" IRA** | 0.50% | $500 |
| 12 Month Home Buyer's CD* | 0.75% | $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 June 22, 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 06/22/2018 |
| 20-Year Fixed Rate Loan | 4.150 % | 4.3173 % | $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.
Rushford rates (tabbed panel content)
- Show Rushford Checking Rates
- Show Rushford Savings Rates
- Show Rushford CDs Rates
- Show Rushford Mortgage Rates
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% - 0.05% |
| | $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.
Please scroll left to view the rest of the table.
| 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
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 | 0.10% |
| | $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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.10% | $500 |
| 6-11 Months | 0.10% | $500 |
| 12-23 Months | 0.15% | $500 |
| 24-29 Months | 0.24% | $500 |
| 30-35 Months | 0.29% | $500 |
| 36 Months & Over | 0.44% | $500 |
| 24 Month "Summit" IRA** | 0.50% | $500 |
| 12 Month Home Buyer's CD* | 0.25% | $100 |
| | ||
Special Terms | ||
| 14 Months | 0.75% | $500 |
| 21 Months | 1.10% | $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.
***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 06/22/2018 |
| 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.
Spring Grove rates (tabbed panel content)
- Show Spring Grove Checking Rates
- Show Spring Grove Savings Rates
- Show Spring Grove CDs Rates
- Show Spring Grove Mortgage Rates
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% - 0.05% |
| | $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.
Please scroll left to view the rest of the table.
| 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 27, 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 | 0.12% |
| | $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 27, 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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.13% | $500 |
| 6-11 Months | 0.19% | $500 |
| 12-23 Months | 0.29% | $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 |
| | ||
Special Terms | ||
| 14 Month | 0.75% | $500 |
| 21 Month | 1.10% | $500 |
| | ||
| | | |
Interest rates quoted were effective June 21, 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 06/22/2018 |
| 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.
Saint Charles rates (tabbed panel content)
- Show Saint Charles Checking Rates
- Show Saint Charles Savings Rates
- Show Saint Charles CDs Rates
- Show Saint Charles Mortgage Rates
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% - 0.05% |
| | $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.
Please scroll left to view the rest of the table.
| 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
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 | 0.12% |
| | $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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.13% | $500 |
| 6-11 Months | 0.19% | $500 |
| 12-23 Months | 0.29% | $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 |
| | ||
| | ||
Interest rates quoted were effective June 14, 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 06/22/2018 |
| 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.
Winona rates (tabbed panel content)
- Show Winona Checking Rates
- Show Winona Savings Rates
- Show Winona CDs Rates
- Show Winona Mortgage Rates
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% - 0.05% |
| | $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.
Please scroll left to view the rest of the table.
| 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
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 | 0.12% |
| | $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
Please scroll left to view the rest of the table.
| Certificate of Deposit Term | Annual Percentage Yield | Minimum Deposit to Open Account |
|---|---|---|
| 3-5 Months | 0.13% | $500 |
| 6-11 Months | 0.19% | $500 |
| 12-23 Months | 0.29% | $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 |
| | ||
| | ||
| | ||
| | ||
Interest rates quoted were effective June 14, 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 06/22/2018 |
| 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.