Interest Rates
Auto Loan Rates
Auto Loan Rates
Interest Rates for Deposit Accounts
Effective: September 17, 2026
Certificates of Deposit (CDs)1
Special Term CDs1
| Term | Minimum Deposit | Interest Rate | APY2 |
|---|---|---|---|
| 3 Month CD | $10,000 | 3.15% | 3.19% |
| 3 Month CD | $25,000 | 3.40% | 3.44% |
| 9 Month CD | $10,000 | 3.25% | 3.29% |
| 9 Month CD | $25,000 | 3.50% | 3.55% |
| 18 Month CD | $10,000 | 3.30% | 3.34% |
| 18 Month CD | $25,000 | 3.55% | 3.60% |
Add it Up CD
| $100 Minimum | $1,000 Minimum | $10,000 Minimum | $10,000 Minimum | |||||
|---|---|---|---|---|---|---|---|---|
| Term | Interest Rate | APY2 | Interest Rate | APY2 | Interest Rate | APY2 | Interest Rate | APY2 |
| 24 Months | 1.95% | 1.96% | 2.20% | 2.22% | 2.30% | 2.32% | 2.40% | 2.42% |
Standard Term CDs
| $1,000 Minimum | $10,000 Minimum | $25,000 Minimum | ||||
|---|---|---|---|---|---|---|
| Term | Interest Rate | APY2 | Interest Rate | APY2 | Interest Rate | APY2 |
| 3-5 Months | 2.10% | 2.12% | 2.20% | 2.22% | 2.30% | 2.32% |
| 6-12 Months | 2.10% | 2.12% | 2.20% | 2.22% | 2.30% | 2.32% |
| 13-24 Months | 2.20% | 2.22% | 2.30% | 2.32% | 2.40% | 2.42% |
| 25-36 Months | 2.30% | 2.32% | 2.40% | 2.42% | 2.50% | 2.52% |
| 37-48 Months | 2.40% | 2.42% | 2.50% | 2.52% | 2.60% | 2.63% |
| 49-60 Months | 2.50% | 2.52% | 2.60% | 2.63% | 2.70% | 2.73% |
Individual Retirement Account (IRA) Savings
| Minimum Deposit | Interest Rate | APY2 |
|---|---|---|
| $0.01-$24,999 | 1.75% | 1.76% |
| $25,000-$99,999 | 1.85% | 1.86% |
| $100,000 + | 2.00% | 2.02% |
Savings Accounts
| Minimum | Interest Rate | APY2 | |
|---|---|---|---|
| Savings (Standard Savings, Commercial Savings, Kids First Savings, and Celebration Savings) | $0.01+ | 0.15% | 0.15% |
| Money Market Savings (Commercial & Consumer Accounts) | $0.01-$24,999 | 0.55% | 0.55% |
| $25,000-$99,999 | 0.65% | 0.65% | |
| $100,000-249,999 | 0.75% | 0.75% | |
| $250,000 + | 0.90% | 0.90% |
Checking Accounts
| Name | Minimum | Interest Rate | APY2 |
|---|---|---|---|
| Premier Checking | $0.01-9,999 | 0.02% | 0.02% |
| $10,000-$49,999 | 0.10% | 0.10% | |
| $50,000-$99,999 | 0.12% | 0.12% | |
| $100,000 + | 0.15% | 0.15% | |
| Interest Rewards Special Rate3 (Met Qualifications) | $0.01-$15,000 | 4.00% | 4.06% |
| Interest Rewards Market Rate3(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) | $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% |
1Substantial 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.
2 Annual Percentage Yields (APY) and rates may change after an account is opened.
3Rate 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.
