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Deposit Products


On Deposits over $100,000 please call 605-647-2228 for special rates.

Rates are effective January 1, 2012
Deposit Products* Rates A.P.Y. (Annual Percentage Yield)
Passbook Savings .25% .25%
Now - $1000 minimum balance .20% .20%
Money Market Savings    
Tier 1 $0-$24,999 .20% .20%
Tier 2 $25,000 - $49,999 .35 .35
Tier 3 $50,000 and over .50 .50
*Variable Rate. Fees may reduce earnings. 


Certificates of Deposit** Rates A.P.Y. (Annual Percentage Yield)
91 Day .20% .20%
182 Day .40% .40%
12 Month .50% .50%
18 Month .70% .70%
24 Month .85% .85%
30 Month .95% .95%
36 Month 1.15% 1.15%
48 Month 1.44% 1.45%
60 Month 1.64% 1.65%
** Substantial penalty for early withdrawal. 


Individual Retirement Accounts-Traditional** Rates A.P.Y (Annual Percentage Yield)
91 Day 0.20% 0.20%
182 Day 0.40% 0.40%
12 Month 0.50% 0.50%
18 Month 0.70% 0.70%
24 Month 0.85% 0.85%
30 Month 0.95% 0.95%
36 Month 1.15% 1.15%
48 Month 1.44% 1.45%
60 Month 1.64% 1.65%
** Substantial penalty for early withdrawal. 


Individual Retirement Accounts-Roth** Rates A.P.Y. (Annual Percentage Yield)
12 Month 0.50% 0.50%
24 Month 0.85% 0.85%
36 Month 1.15% 1.15%
48 Month 1.44% 1.45%
60 Month 1.64% 1.65%
** Substantial penalty for early withdrawal. 

 

 

 

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