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This information was last updated: 8/30/2010
Deposits
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(FDIC Insured)
(A.P.Y. = Annual Percentage Yield)
Checking/Savings
(Rates may vary-fees could reduce earnings)
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Rate |
A.P.Y. |
| | Checking with Interest | | 0.05 | 0.05 | | | Premiere Checking | | 0.15 | 0.15 | | | Regular Savings | | 0.05 | 0.05 | | | S.O.S. | (under $500) | 0.05 | 0.05 | | | S.O.S. | ($500 and over) | 0.11 | 0.11 | | | MMGA Savings | ($100,000 & up) | 0.14 | 0.14 | | | MMGA Savings | ($40,000 - $99,999) | 0.11 | 0.11 | | | MMGA Savings | ($2,500 - $39,999) | 0.08 | 0.08 | | | MMGA Commercial | ($2,499 & below) | 0.05 | 0.05 | | | MMGA Commercial | ($10,000 min) | Changes Daily | Changes Daily | | | Health Savings Account | (under $2,500) | 0.25 | 0.25 | | | Health Savings Account | ($2,500 - $9,999) | 0.50 | 0.50 | | | Health Savings Account | ($10,000 & up) | 1.00 | 1.00 | | | | | | |
Certificates of Deposit
**CD Plus Rate available to new or existing checking account customers
Automatically renewed CDs will default to the regular rate.
***30 Month CD to be offered at SNB-Iowa and SNB-South Dakota
Step-up option after 15 months (one time rate increase as of date of customers request) 1/2 of Principal may be withdrawn without penalty after 15 months, any subsequent withdrawals subject to penalty. Renewable-step up and no penalty on 1/2 withdrawal after 15 months during initial term only.
Penalties for Early Withdrawal:
Term Penalty
91 day or less - The greater of 7 days interest or the accured interest
92 day to 1 year - 91 days interest
Over 1 year - 182 days interest
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CD |
CD PLUS |
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Term |
Rate |
A.P.Y. |
Rate |
A.P.Y. |
| | 91 Day | 0.05 | 0.05 | 0.20 | 0.20 | | | 182 Day | 0.05 | 0.05 | 0.45 | 0.45 | | | 8 Month | 0.25 | 0.25 | 0.65 | 0.65 | | | 10 Month | 0.35 | 0.35 | 0.75 | 0.75 | | | 1 year | 0.40 | 0.40 | 0.80 | 0.80 | | | 14 Month | 0.50 | 0.50 | 0.90 | 0.90 | | | 18 Month | 0.65 | 0.65 | 1.05 | 1.05 | | | 24 Month | 1.05 | 1.05 | 1.45 | 1.45 | | | 30 Month** | 1.19 | 1.19 | 1.69 | 1.70 | | | 4 Year | 1.49 | 1.50 | 1.99 | 2.00 | | | 5 Year | 1.69 | 1.70 | 2.19 | 2.20 |
Individual Retirement Accounts
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Rate |
A.P.Y. |
| | Variable Rate | Rates may change after account is opened. | 1.30 | 1.30 | | | | Effective through calendar quarter. | | | | | | | | | | | Fixed | Same terms and rates apply as CDs | | |
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Investments
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U.S. Treasury Bills
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Term |
Rate |
| | 30 Day | 0.16 | | | 60 Day | 0.13 | | | 90 Day | 0.14 | | | 180 Day | 0.18 |
U.S. Treasury Notes
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Term |
Rate |
| | 2 Year | 0.51 | | | 5 Year | 1.42 | | | 10 Year | 2.60 |
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Loans
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A.P.R. |
| | Automobile, RVs & Boats: Fixed/Direct Debit | Rates as low | | | | as 6.20 | | | | |
| | Home Equity Line (Variable Rate) | 4.27 |
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Contact a Personal Banker for specific terms and conditions |
Eligibility for preferred rates is determined by many factors including credit rating, how often you have sought credit, how much and what other types of credit you have available, and how it has been used. We will also consider income level and banking relationships. No single factor will dictate the rate, but rather all the factors together will determine whether you will qualify for the preferred rate.
Mortgage Loan
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A.P.R. |
| | Home Improvement and Second Mortgage | |
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For rate information on FHA/VA and Conventional Fixed Rate financing,
please call the Mortgage Loan Center - 277-6785
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Contact Information
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Personal Banking
| | Jeremy Craighead - 277-6553 | | | Vicki Thomas - 277-6505 | | | Laura Pratt - 277-6651 | | | Janelle Noreen - 605-232-6063 |
Real Estate
| | Julie Schmidt - 277-6671 | | | Janelle Noreen - 605-232-6063 | | | Holly June - 277-6575 |
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