Savings Rates

Sharing the advantages of saving for tomorrow

SAVINGS & CHECKINGMIN DEPOSITAPY*
Regular Share - Average Daily Balance
$0.00 - $5,000.00$10.00.05%
$5,000.01 - $25,000.00$10.00.05%
$25,000.01 and Greater$10.00.10%
Youth Account (up to 18 Years of Age)$5.00.15%
Money Market - Average Daily Balance
$0.00 - $10,000.00$2,000.00.10%
$10,000.01 - $20,000.00$2,000.00.10%
$20,000.01 and Greater$2,000.00.15%
Other Savings
Holiday ClubNA.40%
Mortgage Escrow AccountNA.05%
Investment - Average Daily Balance
Traditional IRA**$100.00.35%

CERTIFICATESMIN DEPOSITRATE / APY*
Time Share
6 Month$500.00.20% / .20%
12 Month$500.00.30% / .30%
24 Month$500.00.50% / .50%
36 Month$500.001.15% / 1.15%
48 Month$500.001.30% / 1.31%
Traditional IRA**
6 Month IRA$500.00.30% / .30%
12 Month IRA$500.00.40% / .40%
24 Month IRA$500.00.90% / .90%
36 Month IRA$500.001.25% / 1.26%
48 Month IRA$500.001.40% / 1.41%
Roth IRA**
12 Month IRA$500.00.40% / .40%
24 Month IRA$500.00.90% / .90%
36 Month IRA$500.001.25% / 1.25%
48 Month IRA$500.001.40% / 1.40%
Educational Savings***
12 Month$25.00.40% / .40%
24 Month$25.00.90% / .90%
36 Month$25.001.25% / 1.26%
48 Month$25.001.40% / 1.41%

*APY = Annual Percentage Yield

**IRA = Individual Retirement Account. Withdrawal and contribution limitations apply.

***Withdrawal and contribution limitations apply.

All savings and checking rates are variable and may change after the account is opened. Fees may reduce earnings on the account. For certificates and IRAs a penalty will be imposed for early withdrawal. All rates effective as of 08/01/2018 and are subject to change without notice.

Main Office
2502 Maple Grove Rd.
Duluth, MN 55811

Phone
(218) 722-5931

Fax
218-740-3080

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Essentia Office
407 E. 3rd St.
Duluth, MN 55805

Phone
(218) 740-2244

Fax
218-786-7229

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West Duluth
4918 Grand Ave.
Duluth, MN 55807

Phone
(218) 740-2222

Fax
218-740-2255

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