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Certificates of Deposit and IRA Accounts

PeriodMinimumInterest Rate  APY*    

Interest Compounded
and Credited

3 Month$1,0001.34%1.35%At Maturity
6 Month$1,0001.54%1.55%At Maturity
9 Month$1,0001.55%1.55%At Maturity
12 Month$1,0001.84%1.85%Semi-Annually
15 Month$1,0001.84%1.85%Quarterly
18 Month and Build CD$1,0002.04%2.05%Semi-Annually
24 Month, Bump CD and Build CD$1,0002.44%2.45%Semi-Annually
30 Month$1,0002.48%2.50%Semi-Annually
36 Month$1,0002.53%2.55%Semi-Annually
48 Month and Access CD$1,0002.58%2.60%Semi-Annually
60 Month and Access CD$1,0002.98%3.00%Semi-Annually


Deposit Accounts

 Interest RateAPY*
 Checking Accounts - NOW Account, Harvest Club, & Golden Harvest Club
$0.00 - $2,499.990.25%0.25%
$2,500.00 - $24,999.990.30%0.30%
$25,000.00 & Above0.35% 0.35%
Premier Relationship Banking Account
All Balances0.45%0.45%
Statement Savings Account
$0.00 - $2,499.990.35%0.35%
$2,500.00 & Above0.45%0.45%
First-Time Homebuyer Savings Account
All Balances1.25%1.25%
Money Market Express
$2,500.00 - $4,999.990.75%0.75%
$5,000.00 - $49,999.990.80%0.80%
$50,000.00 - $99,999.990.90%0.90%
$100,000.00 - $249,999.991.00%1.00%
$250,000.00 - $499,999.991.14%1.15%
$500,000.00 - $999,999.991.44%1.45%
$1,000,000.00 & Above1.54%1.55%
Health Savings Account (HSA), Funeral Trust Fund & Variable IRA
See Disclosures0.45%0.45%

*Annual Percentage Yield (APY).  Rates effective as of 12/20/2018 and subject to change without notice.  Deposits are FDIC insured to $250,000 for each depositor.  IRA deposits are FDIC insured to $250,000 for each depositor.  Fees, if any, may affect the annual percentage yield. 

A penalty may be imposed for early withdrawal of CDs.

**Minimum deposit for a Health Savings Account is $100.00.  Funeral Trust Fund and Variable IRA accounts have no minimum deposit to open account.


Bump, Build and Access CD Details and Disclosures


CD and Account Details and Disclosures


All Accounts 

The daily balance method is used to calculate interest and applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

*Service charges subject to Iowa sales tax