Deposit Rates
Rates and yields as of April 16, 2024
Money Market
| Balance | Interest Rate | APY* |
|---|
| $2,500.00 - $99,999.99 |
1.88% |
1.90% |
| $100,000.00 - $249,999.99 |
4.40% |
4.50% |
| $250,000 & above |
4.88% |
5.00% |
*APY stands for Annual Percentage Yield.
Your interest rate and annual percentage yield may change at any time, including after opening a money market account.
Fees could reduce earnings on the account.
Savings & Checking
| Account | Interest Rate | APY* | Minimum Deposit to Open |
|---|
| Savings |
.07% |
.07% |
$20.00 |
| Christmas Club |
.50% |
.50% |
$20.00 |
| NOW Checking |
.05% |
.05% |
$20.00 |
Current rates are subject to change.
*APY stands for Annual Percentage Yield.
The minimum balance required to obtain the advertised APY is the same as the Minimum Deposit to Open the account.
Health Savings
| Balance | Rate | Yield |
|---|
| $20.00 - $2,000.00 |
.25% |
.25% |
| $2,001.00 - $10,000.00 |
.45% |
.45% |
| $10,001.00 & above |
.60%> |
.60%> |
The stated rate applies to the entire balance.
Your interest rate and annual percentage yield may change at any time.
Fees could reduce earnings on the account.
Certificates of Deposit
| Account & Term | Minimum Deposit | Interest Rate | APY* |
|---|
| 90 Day CD |
$500.00 |
4.83% |
4.95% |
| 6 Month CD |
$500.00 |
4.78% |
4.90% |
| 9 Month CD |
$500.00 |
4.69% |
4.80% |
| 12 Month CD |
$500.00 |
4.55% |
4.65% |
| 18 Month CD |
$500.00 |
4.11% |
4.20% |
| 24 Month CD |
$500.00 |
4.08% |
4.16% |
| 30 Month CD |
$500.00 |
3.92% |
4.00% |
| 48 Month CD |
$500.00 |
3.83% |
3.90%
|
| 48 Month CD |
$250,000.00 |
3.83% |
3.90% |
| 60 Month CD |
$500.00 |
3.73% |
3.80% |
| 60 Month CD |
$250,000.00 |
3.73% |
3.80% |
| 38-50 Month Principal Plus CD*** |
$500.00 |
2.18% |
2.20% |
| 51-64 Month Principal Plus CD*** |
$500.00 |
2.225% |
2.25% |
| 12-Month Traditional IRA |
$100.00 |
2.96% |
3.00% |
| 12-Month Roth IRA |
$100.00 |
2.96% |
3.00% |
| 24-Month Traditional IRA |
$100.00 |
2.96% |
3.00% |
| 24-Month Roth IRA |
$100.00 |
2.96% |
3.00% |
The minimum balance required to obtain the advertised APY is the same as the Minimum Deposit to open the account.
Current rates are subject to change.
* APY stands for Annual Percentage Yield. Rates are subject to change without notice. Rates are fixed for the term of the CDs. There is a substantial penalty for early withdrawal of principal. You must maintain the minimum deposit amount in the account each day to earn the disclosed APY.
** The original term on the short-term CDs can be selected by you between the range listed, and you will be paid the corresponding rate. After the first term, the account will automatically renew for 90 days and will earn the 90-day CD rate. Interest is paid only at maturity.
*** Deposits in a minimum amount of $100.00 may be added to these accounts without extending the maturity. There is a one-time per-term option to request a rate change without extending the maturity.
Mortgages
Rates shown are for single-family, owner-occupied homes in Logan County. Annual Percentage Rate calculated on loan amount of $100,000.
Rates as of April 16, 2024
Fixed Rate
| Loan Type | Rate | APR | Points | Payments per $100,000 |
|---|
| 10-Year Fixed Rate |
6.625% |
6.886%
|
1/2 |
119 Payments at $1,141.85
1 Payment at $1,141.83 |
| 15-Year Fixed Rate |
6.625% |
6.811% |
1/2 |
179 Payments at $877.99
1 Payment at $879.10
|
| 20-Year Fixed Rate |
7.375% |
7.528% |
1/2 |
239 Payments at $797.97
1 Payment at $796.59
|
| 30-Year Fixed Rate |
7.375% |
7.494% |
1/2 |
359 Payments at $690.68
1 Payment at $684.60
|
ARM Rates
| Loan Type | Rate | APR* | Points | Cap | Margin | Payments per $100,000 |
|---|
| 1/1 Year ARM Rates 30-Year |
6.880% |
7.881%
|
0 |
2/6 |
2.750% |
12 Payments at $657.26
347 Payments at $724.07
1 Payment at $724.06
|
| 3/1 Year ARM Rates 30-Year |
6.530% |
7.582%
|
0 |
2/6 |
2.750% |
36 Payments at $634.04
323 Payments at $719.58
1 Payment at $724.12
|
| 5/1 Year ARM Rates 30-Year |
6.380% |
7.330%
|
0 |
2/6 |
2.750% |
60 Payments at $624.20
299 Payments at $714.08
1 Payment at $716.29
|
| 7/1 Year ARM Rates 30-Year |
6.520% |
7.226% |
0 |
2/6 |
2.750% |
84 Payments at $633.38
12 Payments at $710.64
264 Payments at $713.86
|
*APR may increase over the life of the loan
Please contact one of our Loan Officers if you have any questions.
*The Annual Percentage Rate (APR) disclosed above is based on a loan amount of $100,000.00, and 20% down payment. Mortgage Insurance may be required for loans that have less than 20% down which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Payments do not include amounts for taxes and insurance premiums.
|