Certificates of Deposit

Our certificate products pay competitive interest rates and offer you a range of maturity terms from 30 days to five years. We require a minimum deposit of $10,000 and interest rates are fixed for the term of the investment. 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

Current Personal Certificate of Deposit Rates
-For Individual and IRA Investments-
($10,000.00 Minimum deposit is required)

For CD Terms...	Interest Rate	APY(s)*
Less than 6 months	0.20%	0.20%
6 months to < 1 Year	0.40%	0.40%
1 Year to < 2 Years	0.55%	0.55%
2 Years to < 3 Years	0.85%	0.85%
3 Years to < 4 Years	1.00%	1.00%
4 Years to < 5 Years	1.25%	1.25%

These Certificate Interest rates have not changed since 01/18/2013

Investors IRA
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%
This IRA Rate has not changed since 09/17/2012

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

For CD Balances...	Interest Rate	APY(s)*
$0.00 - $24,999.99	0.10%	0.10%
$25,000.00 - $99,999.99	0.30%	0.30%
$100,000.00 - $499,999.99	0.50%	0.50%
$500,000.00 and above	0.60%	0.60%

These Certificate Interest rates have not changed since 01/18/2013

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

Tiers...	Interest Rate	APY(s)*
$0.00 to $1,999.99	0.15%	0.15%
$2,000.00 to $4,999.99	0.15%	0.15%
$5,000.00 to $9,999.99	0.15%	0.15%
$10,000.00 to $24,999.99	0.25%	0.25%
$25,000.00 - $999,999.99	0.50%	0.50%
$1,000,000.00 and above	0.50%	0.50%

These Money Market Interest rates have not changed since 03/13/2013

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

Tiers...	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	0.25%	0.25%
$25,000.00 and above	0.25%	0.25%

These Savings Interest rates have not changed since 07/17/2012

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

Tiers...	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	0.30%	0.30%
$25,000.00 and above	0.40%	0.40%

These Checking Interest rates have not changed since 09/17/2012

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

Tiers...	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%

These Checking Interest rates have not changed since 07/17/2012

HSA - Healthy Savings Account Interest Rates
($50.00 Minimum deposit is required or ACH Direct Deposit)

Tiers...	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	1.00%	1.00%

These HSA Interest rates have not changed since 02/10/2013

Business Deposit Interest Rate Information

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

For CD Terms...	Interest Rate	APY(s)*
Less than 6 months	0.20%	0.20%
6 months to < 1 Year	0.40%	0.40%
1 Year to < 2 Years	0.55%	0.55%
2 Years to < 3 Years	0.85%	0.85%
3 Years to < 4 Years	1.00%	1.00%
4 Years to < 5 Years	1.25%	1.25%

These Certificate Interest rates have not changed since 01/18/2013

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

For CD Balances...	Interest Rate	APY(s)*
$0.00 - $24,999.99	0.10%	0.10%
$25,000.00 - $99,999.99	0.30%	0.30%
$100,000.00 - $499,999.99	0.50%	0.50%
$500,000.00 and above	0.60%	0.60%

These Certificate Interest rates have not changed since 01/18/2013

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

Tiers...	Interest Rate	APY(s)*
$0.00 to $1,999.99	0.15%	0.15%
$2,000.00 to $4,999.99	0.15%	0.15%
$5,000.00 to $9,999.99	0.15%	0.15%
$10,000.00 to $24,999.99	0.25%	0.25%
$25,000.00 - $999,999.99	0.50%	0.50%
$1,000,000.00 and over	0.50%	0.50%

These Money Market Interest rates have not changed since 03/13/2013

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

Tiers...	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	0.25%	0.25%
$25,000.00 and above	0.25%	0.25%

These Savings Interest rates have not changed since 07/17/2012

Business Checking Earnings Credit
At this time, the Earnings Credit is adjusted to 0.60%
(Normally this rate is the average of the prior month 90 day T-Bill (Currently 0.09%))

Interest Rate Information

At our discretion, we may change interest rates at anytime.

Interest will be credited to your CD or IRA account annually. Interest on checking, saving and money market accounts will be compounded and credited to your account monthly.

Interest begins to accrue no later than the first business day after we receive credit for non-cash items (checks) and we use the daily balance method to calculate the interest, applying a periodic rate to the collected balance in the account each day using a 365 day basis.

A penalty may be imposed for early withdrawal of a CD account or early withdrawal of an IRA.

Fees could reduce the earnings on the account.

* Annual Percentage Yield (APY)

Page Last Updated 04/26/2013