Dairy State Bank | Rates

Rates
Move: Checking & Savings | Money Market | Certificates of Deposit & IRA | Christmas Club | Loan Rates

Checking and Savings Accounts
More: Top

Annual percentage yields ( APY ) are effective January 25th, 2011 to February 7th, 2012.

	Minimum To Open Account	Minimum Balance To Earn APY	Interest Rate	Annual Percentage Yield (APY)	Compounding
Interest Checking	$25.00	$500	.05%	.05%	Monthly
Platinum Checking	$25.00	$0 - $499.99	.05%	.05%	Monthly
		$500 - $2,499	.05%	.05%
		$2,500 - $9,999	.10%	.10%
		$10,000 and Over	.15%	.15%
Rewards Checking	$25.00	$0 - $499.99	.05%	.05%	Monthly
		$500 - $2,499	.05%	.05%
		$2,500 - $9,999	.10%	.10%
		$10,000 and Over	.15%	.15%
Wealth Builder Savings	$1,000	$1,000 - $9,999	.25%	.25%	Daily
		$10,000 - $49,000	.40%	.40%
		$50,000 and Over	.60%	.60%
Personal Savings Account	$25.00	-	.20%	.20%	Daily
Junior Savers	$1.00	-	.20%	.20%	Daily
Small Business Checking	$25.00	$500.00 - $49,999	.05%	.05%	Monthly
		$50,000 and Over	.15%	.15%
Business Savings	$25.00	-	.20%	.20%	Daily
HSA Account	$50.00	$500 - $4,999	.35%	.35%	Monthly
		$5,000 and Over	.65%	.65%

• 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
More: Top

	Minimum To Open Account	Minimum Balance To Earn APY	Interest Rate	Annual Percentage Yield (APY)	Compounding
Consumer and Business	$25.00	$1,000 - $9,999	.10%	.10%	Monthly
		$10,000 - $24,999	.25%	.25%	Monthly
		$25,000 - $99,999	.40%	.40%	Monthly
		$100,000 and Over	.55%	.55%	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 percentrage yield may change on the above accounts. We may change the rate on these accounts at our discretion at any time.
  
  

Certificates of Deposit
More: Top

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	.30%	.30%
		$30,000	.40%	.40%
12- Month Term	$1,000	$1,000	.35%	.35%	Annual
		$10,000	.55%	.55%
		$30,000	.65%	.65%
18-Month Term	$1,000	$1,000	.55%	.55%	Semi-Annual
		$10,000	.75%	.75%
		$30,000	.85%	.85%
24-Month Term	$1,000	$1,000	.75%	.75%	Annual
		$10,000	.95%	.95%
		$30,000	1.05%	1.05%
36-Month Term	$1,000	$1,000	1.10%	1.10%	Annual
		$10,000	1.30%	1.30%
		$30,000	1.40%	1.40%
60-Month Term	$1,000	$1,000	1.55%	1.55%	Annual
		$10,000	1.75%	1.75%
		$30,000	1.85%	1.85%
18-Month Variable IRA	$25		.75%	.75%	Semi-Annual

Christmas Club Accounts
More: Top

	Minimum To Open Account	Minimum Balance To Earn APY	Interest Rate	Annual Percentage Yield (APY)	Compounding
Christmas Club	$5.00		0.65%	0.65%	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.