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This information was last updated: 09/02/2008
Deposits
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(FDIC Insured)
(A.P.Y. = Annual Percentage Yield)
Checking/Savings
(Rates may vary-fees could reduce earnings)
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Term |
Note |
Rate |
A.P.Y. |
| | Checking with Interest | | 0.05 | 0.05 | | | Smart Checking* | $0 - $100,000 | 3.93 | 4.01 | | | * An interest rate of 2.00% will be paid only for that portion of your daily balance that is greater than $100,000. The annual percentage yield for this tier will range from 3.01% to 4.01% depending on the balance in the account. If your daily balanc | $100,000 and above | 2.00 | Range from 3.01 - 4.01 | | | | | | | | | Health Savings Account | under $2,500 | 1.49 | 1.50 | | | | $2,500 - $9,999 | 1.98 | 2.00 | | | | $10,000 & up | 2.47 | 2.50 | | | Statement Savings | $50 minimum deposit | 0.10 | 0.10 | | | S.O.S. | under $500 | 0.15 | 0.15 | | | S.O.S. | over $500 | 0.30 | 0.30 | | | MMGA Retail** | $100,000 & up | 1.78 | 1.80 | | | MMGA Retail** | $40,000 - $99,999 | 1.24 | 1.25 | | | MMGA Retail** | $2,500 - $39,999 | 1.00 | 1.00 | | | MMGA Retail** | $2,499 - below | .75 | .75 | | | **Minimum opening deposit of $2,500 required | | | | | | | | | |
Certificates of Deposit
(Penalty for early withdrawal)
*CD Plus Rate available to new or existing checking customers
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NORMAL CD |
CD PLUS |
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Term |
Rate |
A.P.Y. |
Rate |
A.P.Y. |
| | 91 Day | 2.42 | 2.45 | 2.82 | 2.85 | | | 6 Month | 2.63 | 2.65 | 3.03 | 3.05 | | | 8 Month | 2.64 | 2.65 | 3.03 | 3.05 | | | 1 Year | 2.83 | 2.85 | 3.22 | 3.25 | | | 14 Month | 3.02 | 3.05 | 3.42 | 3.45 | | | 18 Month | 2.83 | 2.85 | 3.22 | 3.25 | | | 2 Year | 3.32 | 3.35 | 3.72 | 3.75 | | | 3 Year | 3.81 | 3.85 | 4.21 | 4.25 | | | 4 Year | 3.42 | 3.45 | 3.81 | 3.85 | | | 5 Year | 4.30 | 4.35 | 4.69 | 4.75 |
Individual Retirement Accounts
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Term |
Note |
Rate |
A.P.Y. |
| | Variable Rate | (Rates may change after account is opened) | 2.98 | 3.00 | | | Fixed Rate | (Effective through calendar quarter) | Same terms & rates apply as CD | |
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Investments
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U.S. Treasury Bills
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Term |
Rate |
| | 30 Day | 1.60 | | | 60 Day | 1.61 | | | 90 Day | 1.71 |
U.S. Treasury Notes
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Term |
Rate |
| | 2 Year | 2.39 | | | 5 Year | 3.13 | | | 10 Year | 3.85 |
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Loans
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SNB Base Rate
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Note |
A.P.R. |
| | 1 Year T-Bill 08/16/08 | 2.23 |
Automobile
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Note |
A.P.R. |
| | Automobile, RVs & Boats: Fixed/Direct Debit | 6.99 |
Home Equity
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Note |
A.P.R. |
| | Home Equity Line (Variable Rate) | 6.23 | | | Home Improvement and Second Mortgage | 6.99 |
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Contact a Personal Banker for specific terms and conditions |
Mortgage Loan
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Note |
A.P.R. |
| | For rate information on FHA/VA and Conventional Fixed Rate financing, | | | | please call the Mortgage Loan Center - 605-977-9005 | |
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Eligibility for preferred rates is determined by many factors including credit rating, how often you have sought credit, how much and what other types of credit you have available, and how it has been used. We will also consider income level and banking relationships. No single factor will dictate the rate, but rather all the factors together will determine whether you will qualify for the preferred rate.
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