All interest rates and Annual Percentage Yields (APY) are effective as of February 14, 2017 and are subject to change without notice. Deposits are FDIC insured. Fees could reduce earnings. A penalty may be imposed for early withdrawal on time deposits. Rates may change after account is opened.

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Opening Deposit Interest Rate APY
Certificate of Deposit (CD)
Short Term $100.00 .10% .10%
91 Days $100.00 .40% .40%
182 Days $100.00 .75% .75%
9 Months $100.00 .85% .85%
12 Months $100.00 1.00% 1.00%
18 Months $100.00 1.05% 1.05%
24 Months $100.00 1.10% 1.10%
24 Month Bump $5,000.00 1.10% 1.10%
36 Months $100.00 1.15% 1.15%
48 Months $100.00 1.25% 1.26%
IRA Variable Rate CD
18 Months $25.00 .15% .15%
36 Months $25.00 .50% .50%
Investor, Adventure Club & Business Interest Checking
Account Balance: $0 - $4,999.99 $100.00 .05% .05%
Account Balance: $5,000 - $24,999.99 $100.00 .10% .10%
Account Balance: $25,000 - $49,999.99 $100.00 .10% .10%
Account Balance: $50,000 - $99,999.99 $100.00 .15% .15%
Account Balance: $100,000 + $100.00 .35% .35%
Traditional Savings $100.00 .04% .04%
Money Market Investor
Account Balance: $0 - $9,999.99 $100.00 .10% .10%
Account Balance: $10,000 - $49,999.99 $100.00 .10% .10%
Account Balance: $50,000 - $99,999.99 $100.00 .15% .15%
Account Balance: $100,000 - $249,999.99 $100.00 .20% .20%
Account Balance: $250,000 + $100.00 .35% .35%
Health Savings Account
Account Balance: $0 - $999.99 $50.00 .05% .05%
Account Balance: $1,000 - $14,999.99 $50.00 .15% .15%
Account Balance: $15,000 + $50.00 .35% .35%
Commercial Account Options
Commercial Checking Earnings Credit $100.00 1.00% N/A
Repurchase Agreement N/A .35% N/A

Interested in a personalized pre-qualified loan?

Please call Rita or Ryan at (712) 262-3340 for a personalized quote. All interest rates, Annual Percentage Rates (APRs) and points shown are current as February 14, 2017 and are subject to change without notice. Monthly Payment examples do not include taxes and insurance, if applicable, actual payments will be greater.

Adjustable Rate Mortgage (ARM) loans are also available. Please call (712) 262-3340 for additional info.

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Interest Rate/APR Points Mo. Pmt. / $1,000
Iowa First Home & Rural Development
First Home 30/25 Year 4.000%/ 4.024% 0.00 $4.77
First Home Plus 30/25 3.875% / 3.899% 0.00 $4.70
Rural Development 3.625%/
3.648%
0.00 $4.56
Iowa First Home and Rural Development 100% guaranteed housing loans are subject to County income limits. A $2,500 assistance grant is available to income-qualified first Home Plus applicants. Annual Percentage Rate (APR) calculated using $100,000 loan amount for a 30-year term. Rural Development Guaranty fee is currently 1.00%, can be rolled into the loan, and is included in the APR calculations. 
Conventional Fixed Rate Mortgages
30 Year 4.125% / 4.149% 0.00 $4.85
30 Year 3.875% / 3.981% 1.00 $4.70
20 Year 3.875% / 3.908% 0.00 $5.99
20 Year 3.625% / 3.772% 1.00 $5.86
15 Year 3.25% / 3.291% 0.00 $7.03
15 Year 3.125% / 3.311% 1.00 $6.97
10 Year 3.25% / 3.310% 0.00 $9.77
10 Year 3.00% / 3.271% 1.00 $9.66
All listed rates are applicable to single family, owner occupied, primary residences only. Additional pricing adjustments may apply. Monthly payment and APR based on a $100,000 loan amount and a 20% down payment off purchase price. The loan limits for Conventional Fixed Rate Mortgages follow Fannie Mae guidelines of a maximum loan amount of $424,100. Please call for loan rates on mortgages above $424,100. 
Second Mortgage Fixed Rates
3 Year 4.50% / 4.570% N/A $2.97
4 Year 4.75% / 4.803% N/A $2.29
5 Year 5.00% / 5.043% N/A $1.89
7 Year 5.50% / 5.532% N/A $1.44
10 Year 6.00% / 6.023% N/A $1.11
Monthly Payment and APR based on a $10,000 loan amount.
Home Equity Line of Credit 
Revolving 3.75% Variable N/A N/A
APR variable with minimum of 3.25% and maximum of 21%. APR equal to the Wall Street Journal US Prime Rate, which is 3.75% as of December 15, 2016, APR may increase or decrease monthly. Minimum monthly payment includes any amount past due, any fees/charges due, and accrued interest plus 1% of principal balance outstanding on last day of the billing cycle; or the entire balance if less than $50. Annual fee of $15. Monthly Payment examples d not include taxes and insurance, if applicable, actual payments will be greater.