Current Rates

Current APY Rates

APY EFFECTIVE AS OF 10/05/2022

CERTIFICATES OF DEPOSITS

INTEREST RATE
ANNUAL PERCENTAGE YIELD
TERMS
ALL CD'S $500 MINIMUM
1.00%
1.00% APY*
91-Day
MATURITY
1.50%
1.50% APY*
182-Day
MATURITY
2.00%
2.02% APY*
12-Month
QUARTERLY
2.00%
2.01% APY*
12-Month
SEMI-ANNUALLY
2.00%
2.00% APY*
12-Month
ANNUALLY
2.25%
2.27% APY*
18-Month
QUARTERLY
2.25%
2.26% APY*
18-Month
SEMI-ANNUALLY
2.50%
2.52% APY*
24-Month
QUARTERLY
2.50%
2.51% APY*
24-Month
SEMI-ANNUALLY
2.75%
2.78% APY*
30-Month
QUARTERLY
2.75%
2.77% APY*
30-Month
SEMI-ANNUALLY
3.00%
3.03% APY*
36-Month
QUARTERLY
3.00%
3.02% APY*
36-Month
SEMI-ANNUALLY
3.50%
3.54% APY*
48-Month
QUARTERLY
3.50%
3.53% APY*
48-Month
SEMI-ANNUALLY

PLEASE ASK ABOUT MONTHLY INTEREST. EARLY WITHDRAWAL PENALTIES ARE IMPOSED.

FUNERAL AGREEMENTS

INTEREST RATE
ANNUAL PERCENTAGE YIELD
TERMS
MINIMUM DEPOSIT
2.00%
2.00% APY*
12-Mo Pre-Paid
$1.00 Minimum
3.00%
3.00% APY*
60-Mo Pre-Paid
$1.00 Minimum 

IRA AND SEP ACCOUNTS

INTEREST RATE
ANNUAL PERCENTAGE YIELD
TERMS
MINIMUM DEPOSIT
1.75%
1.76% APY*
48-Month Fixed Rate IRA & SEP
$500
1.50%
1.51% APY*
18-Month Fixed Rate IRA & SEP
$500
1.50%
1.51% APY*
18-Month Variable IRA & SEP
$10.00

SAVINGS ACCOUNTS

INTEREST RATE
ANNUAL PERCENTAGE YIELD
TERMS
MINIMUM DEPOSIT
0.55%
0.55% APY*
n/a
$1.00 Minimum to open
0.55%
0.55% APY*
n/a
MMDA $1000

DDA ACCOUNTS

INTEREST RATE
ANNUAL PERCENTAGE YIELD
TERMS
MINIMUM DEPOSIT

ASK ABOUT OUR CHECKING ACCOUNTS. STOP IN TODAY!

IMAGE PLUS & COMMERCIAL IMAGE PLUS CHECKING

($500.00 Minimum to open account)

CONSUMER
CONSUMER APY*
YIELDS ON DAILY BALANCES
COMMERCIAL RATE***
1.00%
1.00% APY*
$150,000.01-OR MORE
1.00%***
0.75%
0.75% APY*
$100,000.01-$150,000.00
0.75%***
0.65%
0.65% APY*
$25,000.01-$100,000.00
0.65%***
0.50%
0.50% APY*
$10,000.01-$25,000.00
0.50%***
0.10%
0.10% APY*
$1000.01-$10,000.00
0.10%***
0.05%
0.05% APY*
.00- $1000.00
0.05%***

* AT OUR DISCRETION, WE MAY CHANGE THE INTEREST RATE ON YOUR ACCOUNT

*****IMPOSITION OF FEES COULD REDUCE EARNINGS ON THE ACCOUNT*****

***PLEASE CONTACT A STAFF MEMBER FOR APPLICABLE TERMS & CONDITIONS***

Equal Opportunity LenderMember FDIC

Banking Hours

Main Lobby Hours:
9:00 - 3:00 Mon-Fri | 9:00 - 12:00 Sat

Drive In/Walk Up
8:30 - 5:30 Mon-Fri | 8:30 - 12:00 Sat

Our Location

204 S. Main
P.O. Box 220
Wagner, SD 57380-0220

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Stay Connected

Phone: (605)384-3646
Toll Free: (800)669-4060
Fax: (605)384-3403

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