Bank Products

USA Patriot Act Section 326 - Bank Secrecy Act

With the passage of the USA Patriot Act, we must verify the information you give the bank as you open a new account. We must verify the information by looking or copying your drivers license or social security card. This information will remain confidential.

 

* All rates effective as of July 28, 2020

 

Regular Checking Account

  • Unlimited checking, no service charge
  • First 40 checks free to new customers

 

Now Account

  • Interest bearing*
  • Minimum balance, $750.00
  • Unlimited checking
  • Service charge, if below $750.00
  • First 40 checks free to new customers
  Interest Rate Annual Percentage Yield
Now Account
NOW .05 .05
* Rates may change without notice according to current market rate.
* Fees may reduce earnings

 

Money Market Account

  • Interest bearing*
  • Minimum balance, $2,500.00, or savings account rate, if below minimum balance
  • Limit of three checks and three transfers per month
  • Service charge, if below $750.00

 

  Interest Rate Annual Percentage Yield
Money Market Account
$2,500 - $24,999 .05 .05
$25,000 -  $99,999 .10 .10
$100,000 & UP .15 .15
* Rates may change without notice according to current market rate.
* Fees may reduce earnings

 

Savings

  • Current rate, compounded
  Interest Rate Annual Percentage Yield
Savings Account
Savings .05 .05
* Rates may change without notice according to current market rate.

 

 

Certificates of Deposit (CDs)

Term Interest Rate Annual Percentage Yield Minimum
Certificates of Deposit
3 months

*Contact bank for rate

 *Contact bank for rate $2500
6 Months *Contact bank for rate *Contact bank for rate $2500
12 Months *Contact bank for rate *Contact bank for rate $1000
24 Months *Contact bank for rate *Contact bank for rate $500
36 Months *Contact bank for rate *Contact bank for rate $500
60 Months *Contact bank for rate *Contact bank for rate $500
Substantial penalty for early withdrawal
* Fees may reduce earnings

 

IRA Accounts

  • Traditional
  • Roth
Term Interest Rate Annual Percentage Yield Minimum
IRA Accounts
12 months Certificates .90 .90 $500

Substantial penalty for early withdrawal
* Rates may change without notice according to current market rate.

 

Loans

  • Agricultural
  • Young Farmer Loans (IADA)
  • Machinery
  • Livestock
  • Commercial
  • Home Improvement
  • Auto
  • Personal
  • Real Estate Loans

 

Other Products

Shazam Debit / ATM Cards

 

 

Member FDIC - Equal Housing Lender