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Certificates of Deposit

Our certificate products pay competitive interest rates and offer you a range of maturity terms from 30 days to five years. Unless stated, we require a minimum deposit of $10,000 to open and interest rates are fixed for the term of the investment. A penalty may be imposed for early withdrawal of a CD account or early withdrawal of an IRA. Please contact our bankers for full details.

All interest rates, on this page, apply to our deposit interest accounts.  For more information about these accounts, please see our Personal Deposit Account or Business Deposit Account page.

The interest rates stated may be different for:

a) Institutional Investors
b) Large Investments of $500,000 or more
c) Investors from out of Wisconsin
 
*Please call (920) 686-9998 for a rate quote*



PERSONAL DEPOSIT INTEREST RATE INFORMATION


Personal Certificate of Deposit Rates
-For Individual and IRA Investments-
($10,000.00 Minimum deposit is required to open and
earn the disclosed APY)

For CD Terms
Interest Rate
APY(s)*
Less than 6 months
0.20%
0.20%
6 months to < 1 Year
0.30%
0.30%
1 Year to < 2 Years
0.50%
0.50%
2 Years to < 3 Years
0.75%
0.75%
3 Years to < 4 Years
0.90%
0.90%
4 Years to < 5 Years
1.50%
1.50%

These Certificate Interest Rates and Annual Percentage Yields are effective as of today's date.



Investors IRA
($100.00 Minimum deposit is required to open and
earn the disclosed APY)

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Currently, the Interest Rate and APY are 1.00%
The IRA Interest Rate and Annual Percentage Yield is effective as of today's date.

Fees could reduce the earnings on the account.


Personal 30-Day Certificate of Deposit Rates
($25,000.00 Minimum deposit is required to open)

Balance To Earn
Interest Rate
APY(s)*
$0.00 to $24,999.99
0.10%
0.10%
$25,000.00 to $99,999.99
0.25%
0.25%
$100,000.00 to $499,999.99
0.35%
0.35%
$500,000.00 and above
0.45%
0.45%
These Certificate Interest Rates and Annual Percentage Yields are effective as of today's date.



Investors Choice Money Market Interest Rates
($2,000.00 Minimum deposit is required to open)

Balance To Earn
Interest Rate
APY(s)*
$0.00 to $1,999.99
0.10%
0.10%
$2,000.00 to $4,999.99
0.10%
0.10%
$5,000.00 to $9,999.99
0.15%
0.15%
$10,000.00 to $24,999.99
0.20%
0.20%
$25,000.00 to $999,999.99
0.40%
0.40%
$1,000,000.00 and above
0.50%
0.50%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. These Money Market Interest Rates and Annual Percentage Yields are effective as of today's date.
Fees could reduce the earnings on the account.


Investors Savings Interest Rates
($250.00 Minimum deposit is required to open)

Balance To Earn
Interest Rate
APY(s)*
$0.00 to $1,999.99
0.10%
0.10%
$2,000.00 to $4,999.99
0.10%
0.10%
$5,000.00 to $9,999.99
0.10%
0.10%
$10,000.00 to $24,999.99
0.20%
0.20%
$25,000.00 and above
0.20%
0.20%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. These Savings Interest Rates and Annual Percentage Yields are effective as of today's date.
Fees could reduce the earnings on the account.


Investors Choice Checking Interest Rates
($100.00 Minimum deposit is required to open)

Balance To Earn
Interest Rate
APY(s)*
$0.00 to $1,999.99
0.10%
0.10%
$2,000.00 to $4,999.99
0.10%
0.10%
$5,000.00 to $9,999.99
0.15%
0.15%
$10,000.00 to $24,999.99
0.20%
0.20%
$25,000.00 and above
0.40%
0.40%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. These Checking Interest Rates and Annual Percentage Yields are effective as of today's date.
Fees could reduce the earnings on the account.


Interesting Checking Interest Rates
($100.00 Minimum deposit is required to open)

Balance To Earn
Interest Rate
APY(s)*
$0.00 to $1,999.99
0.10%
0.10%
$2,000.00 to $4,999.99
0.10%
0.10%
$5,000.00 to $9,999.99
0.10%
0.10%
$10,000.00 to $24,999.99
0.10%
0.10%
$25,000.00 and above
0.10%
0.10%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. These Checking Interest Rates and Annual Percentage Yields are effective as of today's date.
Fees could reduce the earnings on the account.


HSA - Healthy Savings Account Interest Rates
(To open we require a $50.00 Minimum deposit or ACH Direct Deposit)

Balance To Earn
Interest Rate
APY(s)*
$0.00 to $1,999.99
1.00%
1.00%
$2,000.00 to $4,999.99
1.00%
1.00%
$5,000.00 to $9,999.99
1.00%
1.00%
$10,000.00 to $24,999.99
1.00%
1.00%
$25,000.00 and above
2.00%
2.02%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. These HSA Interest Rates and Annual Percentage Yields are effective as of today's date.



BUSINESS DEPOSIT INTEREST RATE INFORMATION


Business Certificate of Deposit Rates
($10,000 Minimum deposit is required to open)

For CD Terms
Interest Rate
APY(s)*
Less than 6 months
0.20%
0.20%
6 months to < 1 Year
0.30%
0.30%
1 Year to < 2 Years
0.50%
0.50%
2 Years to < 3 Years
0.75%
0.75%
3 Years to < 4 Years
0.90%
0.90%
4 Years to < 5 Years
1.50%
1.50%
These Certificate Interest Rates and Annual Percentage Yields are effective as of today's date.



Business 30-Day Certificate of Deposit Rates
($25,000 Minimum deposit is required to open)

Balance To Earn
Interest Rate
APY(s)*
$0.00 to $24,999.99
0.10%
0.10%
$25,000.00 to $99,999.99
0.25%
0.25%
$100,000.00 to $499,999.99
0.35%
0.35%
$500,000.00 and above
0.45%
0.45%
These Certificate Interest Rates and Annual Percentage Yields are effective as of today's date.



Business Money Market Interest Rates
($5,000.00 Minimum deposit is required to open)

Balance To Earn
Interest Rate
APY(s)*
$0.00 to $1,999.99
0.05%
0.05%
$2,000.00 to $4,999.99
0.05%
0.05%
$5,000.00 to $9,999.99
0.05%
0.05%
$10,000.00 to $24,999.99
0.15%
0.15%
$25,000.00 to $999,999.99
0.50%
0.50%
$1,000,000.00 and over
0.50%
0.50%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. These Money Market Interest Rates and Annual Percentage Yields are effective as of today's date.
Fees could reduce the earnings on the account.


Business Savings Interest Rates
($250.00 Minimum deposit is required to open)

Balance To Earn
Interest Rate
APY(s)*
$0.00 to $1,999.99
0.05%
0.05%
$2,000.00 to $4,999.99
0.05%
0.05%
$5,000.00 to $9,999.99
0.05%
0.05%
$10,000.00 to $24,999.99
0.15%
0.15%
$25,000.00 and above
0.25%
0.25%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. These Savings Interest Rates and Annual Percentage Yields are effective as of today's date.
Fees could reduce the earnings on the account.


Business Checking Earnings Credit

At this time, the Earnings Credit is adjusted to 0.50%
(Normally this rate is the average of the prior month 90 day T-Bill (Currently 0.045%))

* Annual Percentage Yield (APY)

FDIC

Page Last Updated 05/14/2014