Rates

Interest Bearing Checking Accounts^(2)(3b)
Full Service Checking (Interest Bearing Checking Account Minimum to open $100.00; Minimum for APY $2500.01 AAB⁵)		Interest Rate%	APY¹
AAB⁵	$2,500.01 to $10,000.00	0.15	0.15
	$10,000.01 to $25,000.00	0.20	0.20
	$25,000.01 +	0.25	0.25

Premier Checking (Premier Checking Minimum to open $10,000.00 AAB⁵)		Interest Rate%	APY¹
AAB⁵	$0.00 to $50,000.00	0.15	0.15
	$50,000.01 to $100,000.00	0.25	0.25
	$100,000.01 to $200,000.00	0.30	0.30
	$200,000.01 +	0.35	0.35

Interest Bearing Savings Accounts^(2)(3b)
IRA Open Time & College Fund Accounts	Interest Rate%	APY¹
(Minimum to open IRA $50.00, College Fund $250.00, Minimum for APY on IRA $50.00 AAB⁵, College Fund $250.00 AAB⁵)
	2.25	2.27

Savings (Personal & Business) (Minimum to open $100.00)		Interest Rate%	APY¹
AAB⁵	$0.00 to $500.00	0.75	0.75
	$500.01 to $5,000.00	0.75	0.75
	$5,000.01 to $50,000.00	1.00	1.00
	$50,000.01 to $100,000.00	1.25	1.26
	$100,000.01 to $200,000.00	1.50	1.51
	$200,000.01 +	1.75	1.76

Simply Savings (Personal & Business)⁷ (Minimum to open $100.00)		Split Interest Rate%	APY % Range
AB⁸	$0.00 to $500.00	2.00	2.02
	$500.01 to $25,000.00	2.00	2.02 to 2.02
	$25,000.01 to $50,000.00	0.75	2.02 to 1.39
	$50,000.01 to $100,000.00	0.80	1.39 to 1.09
	$100,000.01 to $200,000.00	0.85	1.09 to 0.97
	$200,000.01 to $1,000,000.00	.90	0.97 to 0.92

Money Market Savings (Money Market Savings Minimum to open $100.00; Minimum for APY $25,000.01 AAB⁵)		Interest Rate%	APY¹
AAB5	$25,000.01 +	0.75	0.75

Business Money Market Savings (Business Money Market Savings Minimum to open $10,000.00; Minimum for APY $10,000.01 AAB⁵)		Interest Rate%	APY¹
AAB⁵	$10,000.01 to $25,000.00	0.75	0.75
	$25,000.01 +	1.00	1.00

Certificates of Deposit^(3a)(3b)
	Interest Rate	APY¹	Interest Rate	APY¹	Interest Rate	APY¹
DB⁴ of	$2500.00 Minimum		$15,000.00		$50,000.00 & IRA
30–90 Day*	2.01	2.03	2.03	2.05	2.05	2.07
DB⁴of	$1000.00 Minimum		$15,000.00		$50,000.00 & IRA
3 month**	2.05	2.07	2.15	2.17	2.25	2.27
6 month	2.05	2.06	2.15	2.16	3.96	4.00
12 month	2.05	2.07	2.15	2.17	2.25	2.27
15 month with Bump^{(6)(2)(Variable)}	3.65	3.70	3.75	3.80	3.75	3.80
18 month	2.05	2.07	2.15	2.17	2.25	2.27
24 month	2.05	2.07	2.15	2.17	2.25	2.27
30 month	2.05	2.07	2.15	2.17	2.25	2.27
33 month with Bump^{(6)(2)(Variable)}	3.90	3.96	4.00	4.06	4.00	4.06
36 month	2.10	2.12	2.20	2.22	2.30	2.32
42 month	2.10	2.12	2.20	2.22	2.30	2.32
48 month	2.20	2.22	2.30	2.32	2.40	2.42
60 month	2.30	2.32	2.40	2.42	2.50	2.52

Certificates of Deposit^(3a)(3b)
	Interest Rate	APY¹	Interest Rate	APY¹	Interest Rate	APY¹
DB⁴	$2,500.00 Minimum		$15,000.00		Content$50,000.00 & IRA
Content	Content	Content

*30-90 day has a minimum opening balance requirement of $2500.00.

**3-60 month term has a minimum opening balance requirement of $1000.00.

This Rate Chart contains information about interest rates and 1) Annual Percentage Yields (APY) for some of the accounts we offer. APY’s reflected for Certificate of Deposits are based on the minimum required deposit of each tier for the term offered. 2) The interest rate and annual percentage yield may change after account opening. 3) (a) A penalty may be imposed for early withdrawal. (b) Fees could reduce the earnings on the above accounts. 4) Daily Balance (DB). 5) Average Available (Collected) Balance (AAB). 6) Maximum of $250,000.00 for non-personal (Entity) depositor. Funds accepted for deposit are required to be “in-state” or funds held within the State of Iowa. 7) Split Interest Rate is applied. 8) Available (Collected) Balance (AB).

For additional information call Grinnell 641.236.3174, Marengo 319.642.5511, Johnston 515.278.6300, Polk City 515.984.6211

Interest rates and Annual Percentage Yields are current as of July 1, 2025.

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