Savings Account Interest Rates

Effective Date: 11/17/2015

The interest rate and annual percentage yield (APY) are effective as of 11/17/2015, and may change without notice.


Relationship Package**

Savings Accounts*Base Interest RateBase APY Bronze Tier APY Silver Tier APY Gold Tier APY Platinum Tier APY
Bonus Interest RateN/A N/A 0.00%0.00%0.05% 0.10%
Regular Savings - All Balances0.10%0.10%0.10%0.10%0.15%0.20%
Minimum opening deposit $200
Investment Savings, Fiduciary Savings and Secure LifeStyles Savings
Balance less than $5,0000.20%0.20%0.20%0.20%0.25%0.30%
Balance $5,000-$9,999.990.25%0.25%0.25%0.25%0.30%0.35%
Balance $10,000-$49,999.990.30%0.30%0.30%0.30%0.35%0.40%
Balance $50,000-$99,999.990.35%0.35%0.35%0.35%0.40%0.45%
Balance $100,000 and over0.40%0.40%0.40%0.40%0.45%0.50%
Minimum opening deposit $1,000

* Federal transaction limits will apply to transfers to another account and third-party transfers.

Advertised APY available to customers residing in the Des Moines and Ames metropolitan area. You may call (515) 245-2863 to obtain current interest rate information. See the Truth-in-Savings Disclosure in the Consumer Terms and Conditions brochure for additional disclosure information.

** Relationship Package Bonus Interest Rate Terms

Rate information — The interest rate on your account is a variable base interest rate for the period, as disclosed on the Bank’s Consumer Rate Sheet, plus a bonus interest rate, if applicable. Your interest rate, annual percentage yield, and the applicable benefits tier may change while enrolled in the Relationship Package.
Determination of rate — The interest rate on your account is based on the variable base interest rate for the period for the savings account type, plus the bonus interest rate corresponding to the benefits tier which you qualify for during the evaluation period.
Frequency of rate changes — We may change the bonus interest rate on your account every time you qualify for a different benefits tier.
Limitations on rate changes — The interest rate will never drop below the variable base interest rate disclosed on the Bank’s Consumer Rate Sheet for the period and the corresponding savings account type.

Please see information about qualifying for the Relationship Package.