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Dairy State Bank | Rates



Rates
More: Checking & Savings | Money Market | Certificates of Deposit & IRA | Christmas Club | Mortgage Rates | Personal Accounts | Business Accounts


Checking and Savings Accounts

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Annual percentage yields ( APY ) are effective November 19 to December 2, 2014.

Minimum To Open Account
Minimum Balance
To Earn APY
Interest Rate
Annual Percentage Yield (APY)
Compounding
Interest Checking
$25
$500
.05%
.05%
Monthly
Rewards Checking
$25
Up to $500
.05%
.05%
Monthly
$500
.05%
.05%
$2,500
.05%
.05%
$10,000
.10%
.10%
Wealth Builder Savings
$1,000
$1,000
.05%
.05%
Daily
$10,000
.15%
.15%
$50,000
.30%
.30%
Personal Savings Account
$25
-
.05%
.05%
Daily
Junior Savers
$1
-
.05%
.05%
Daily
Small Business Checking
$100
$500
.05%
.05%
Monthly
$50,000
.10%
.10%
Business Savings
$100
-
.05%
.05%
Daily
HSA Account
$50
$500
.10%
.10%
Monthly
$5,000
.30%
.30%
  • Fees on accounts could reduce earnings on the account.
  • The Annual Percentage Yield (APY) assumes that interest will remain on deposit.
  • If a withdrawal occurs, earnings will be reduced.
  • The interest rate and annual percentrage yield may change on the above accounts. We may change the rate on these accounts at our discretion at any time.
  • Interest on small business checking accounts is limited to certain business entities.

 


Money Market Accounts
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Minimum To Open Account
Minimum Balance To Earn APY
Interest Rate
Annual Percentage Yield (APY)
Compounding
Consumer and Business
Consumer
$25

Business
$100
$1,000
.05%
.05%
Monthly
$10,000
.15%
.15%
Monthly
$25,000
.25%
.25%
Monthly
$100,000
.35%
.35%
Monthly
  • Fees on accounts could reduce earnings on the account.
  • The Annual Percentage Yield (APY) assumes that interest will remain on deposit.
  • If a withdrawal occurs, earnings will be reduced.
  • The interest rate and annual percentage yield may change on the above accounts. We may change the rate on these accounts at our discretion at any time.


Certificates of Deposit
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Term
Minimum To Open Account
Minimum Balance To Earn APY
Interest Rate
Annual Percentage Yield (APY)
Compounding
6-Month Term
$1,000
$1,000
.10%
.10%
Maturity
$10,000
.20%
.20%
$30,000
.30%
.30%
12- Month Term $1,000
$1,000
.35% .35% Annual
 
$10,000
.45% .45%  
 
$30,000
.55% .55%  
18-Month Term $1,000
$1,000
.45% .45% Semi-Annual
 
$10,000
.55% .55%  
 
$30,000
.65% .65%  
24-Month Term $1,000
$1,000
.50% .50% Annual
 
$10,000
.60% .60%  
 
$30,000
.70% .70%  
36-Month Term $1,000
$1,000
.60% .60% Annual
 
$10,000
.70% .70%  
 
$30,000
.80% .80%  
60-Month Term $1,000
$1,000
.90% .90% Annual
 
$10,000
1.00% 1.00%  
 
$30,000
1.10% 1.10%  
18-Month Variable IRA $25 - .55% .55% Semi-Annual



Christmas Club Accounts
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Minimum To Open Account
Minimum Balance To Earn APY
Interest Rate
Annual Percentage Yield (APY)
Compounding
Christmas Club
$5
-
0.25%
0.25%
Daily
  • The Annual Percentage Yield (APY) assumes that interest will remain on deposit. If a withdrawal occurs, earnings will be reduced.
  • The interest rate and annual percentage yield on the variable rate IRA may change. We may change the rate on these accounts at our discretion at any time.
  • A penalty may be charged for early withdrawl on CDs, IRAs, and Christmas Clubs.
  • Certificates of Deposit and IRAs automatically renew. Christmas Clubs do not renew.
  • Interest credits on certificates are made according to the compounding interest listed.
  • Interest credits on Christmas Clubs are made at maturity.

    Call our Customer Service department in Rice Lake at 715-234-9181 or in Menomonie at 715-235-5511 for any questions regarding the current interest rates or additional deposit products.