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Interest Rates

AUTO LOANS

For current auto loan rates, check out our Auto Loan Rates page.

 See Current Auto Loan Rates


INTEREST RATES FOR DEPOSIT ACCOUNTS

Effective: November 7, 2024


Certificates of Deposit (CDs)*

Learn More or Apply Online for a CD 

 Special Term CDs* 

Term Minimum Deposit Interest Rate APY**
3 Month CD $10,000 3.85% 3.91%
3 Month CD $25,000 4.00% 4.06%
5 Month CD $10,000 3.85% 3.91%
5 Month CD $25,000 4.00% 4.06%

 Add It Up CD

$100 Minimum $1,000 Minimum $10,000 Minimum $25,000 Minimum
Term Interest Rate APY** Interest Rate APY** Interest Rate APY** Interest Rate APY**
24 Months 2.05% 2.07% 2.30% 2.32% 2.40% 2.42% 2.50% 2.52%

Standard Term CDs

$1,000 Minimum $10,000 Minimum $25,000 Minimum
Term Interest Rate APY** Interest Rate APY** Interest Rate APY**
3-5 Months 2.50% 2.52% 2.60% 2.63% 2.70% 2.73%
6-12 Months 2.40% 2.42% 2.50% 2.52% 2.60% 2.63%
13-24 Months 2.30% 2.32% 2.40% 2.42% 2.50% 2.52%
25-36 Months 2.20% 2.22% 2.30% 2.32% 2.40% 2.42%
37-48 Months 2.10% 2.12% 2.20% 2.22% 2.30% 2.32%
49-60 Months 2.10% 2.12% 2.20% 2.22% 2.30% 2.32%

Individual Retirement Account (IRA) Savings

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Minimum Deposit Interest Rate APY**
$0.01-$24,999 1.75% 1.76%
$25,000-$99,999 1.85% 1.86%
$100,000 + 2.00% 2.02%


Savings Accounts

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Name Minimum Interest Rate APY**

Savings (Standard Savings, Commerical Savings, Kids First Savings, and Celebration Savings)

$0.01+ 0.15% 0.15%
Money Market Savings (Commercial & Consumer Accounts) $0.01-$24,999 0.50% 0.50%
$25,000-$99,999 0.65% 0.65%
$100,000-249,999 0.80% 0.80%
$250,000 + 0.90% 0.90%


Checking Accounts 

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Name Minimum Interest Rate APY**
Premier Checking $0.01-24,999 0.10% 0.10%
$25,000-$99,999 0.12% 0.12%
$100,000 + 0.15% 0.15%
Interest Rewards Special Rate*** (Met Qualifications) $0.01-$15,000 4.00% 4.06%
Interest Rewards Market Rate*** (Met Qualifications) $15,000 + 0.05% 0.05%
Interest Rewards Base Rate (Did not meet Qualifications) $0.01 + 0.02% 0.02%
Health Savings Account (HSA) Checking $0.01-$4,999 0.10% 0.10%
$5,000-$49,999 0.15% 0.15%
$50,000-$99,999 1.00% 1.00%
$100,000 + 2.00% 2.02%
Commercial Checking with Interest $0.01 + 0.05% 0.05%


* Substantial penalty for early withdrawal of Certificates of Deposit. Maturing CDs with special terms will automatically renew at the Standard CD rates. For current CD rates and specials, contact our Customer Service team at 515-232-5561 or consult with a Relationship Banker.

** Annual Percentage Yields (APY) and rates may change after an account is opened.

*** Rate disclosed for Interest Rewards is applied if account qualifications are met, including using your debit card 25 times per statement cycle to make purchases, and account is set up with one monthly direct deposit or automatic withdrawal.

Fees could reduce the earnings on interest bearing accounts.

Each Depositor insured to at least $250,000 by the Federal Deposit Insurance Corporation. 

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