Rates

 

Rates effective March 1, 2015 and are subject to change daily.

Deposit Rates

Time Certificates* APY**
1-3 Months .15
6 Months .25
12 Months .40
24 Months .65
36 Months 1.00
48 Months 1.15
Money Market $2,501.00 to $25,000.00(1) .15
Money Market $25,001.00 to $100,000.00(1) .35
Money Market  $100,001.00(1) + above .60
Interest bearing checking $901 to $50,000 .05
Interest bearing checking $50,000 + above .15
Savings Account(3) .05
IRA 1 Month-24 Months .50
IRA 24 Months-72 Months(4) .75
  • * Time Certificates are subject to a minimum deposit of $500.00 and a substantial penalty for early withdrawal
  • ** Annual Percentage Yield
  • (1) Money Market Accounts - Rates are variable and subject to change without notice
  • (2) Interest Bearing Accounts - Rates are variable and subject to change without notice
  • (3) Savings Accounts must maintain a $100.00 minimum daily balance to realize APY and fees could reduce earnings on this account - Rates are variable and subject to change without notice
  • (4) IRA 2 yrs. to 6 yrs. must maintain a $300.00 minimum daily balance

Ag Loan Rate Special

Ag Capital Purchase - Term Loan Rate
3 years fixed 3.50%
5 years fixed 4.50%
Ag Real Estate Rate
10 year fixed Call for rates

Construction Loan Rate Special

Available to contractors for any new residential 1-4 family construction located in the Ballard and North Polk School districts. Rates available for new funding of home construction loans.

Custom 4.00%
Spec 4.375%
  • 1/2 % orig fee
  • $250.00 inspection fee
  • Borrower pays actual costs