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Last Updated 03/08/10

Deposits

  (FDIC Insured)
(A.P.Y. = Annual Percentage Yield)


Checking/Savings
  Rate A.P.Y.
 Checking with Interest0.050.05
 Smart Checking*$0 - $100,0001.992.01
 * An interest rate of .80% 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 1.41% to 2.01% depending on the balance in the account.Above $100,000.80Range from 1.41 - 2.01
 * If your daily balance is $100,000 or less, the interest rate paid on the entire balance will be 1.99% with an annual percentage yield of 2.01%. Rate subject to change at banks discretion.
 Health Savings AccountLess than $2,500.25.25
 $2,500 - $9,999.50.50
 $10,000 and above1.001.00
 Statement Savings$50 minimum deposit.05.05
 S.O.S.Less than $500.05.05
 S.O.S.$500 and above.11.11
 MMGA Retail**$100,000 and above.14.14
 MMGA Retail**$40,000 - $99,999.11.11
 MMGA Retail**$2,500 - $39,999.08.08
 MMGA Retail**less than $2,500.05.05
 **Minimum opening deposit of $2,500 required
 

Certificates of Deposit
(Penalty for early withdrawal)
* CD Plus Rate available to new or existing checking customers
** Please call for Jumbo, Business, or Public Funds CD Rates
  NORMAL CD CD PLUS
  Term Rate A.P.Y. Rate A.P.Y.
 91 Day.40.40.80.80
 6 Month.70.701.101.10
 8 Month.85.851.251.25
 1 Year1.191.201.591.60
 14 Month1.591.601.992.00
 18 Month1.191.201.591.60
 2 Year1.741.752.142.15
 30 Month2.092.102.492.50
 3 Year2.532.552.932.95
 4 Year2.632.653.033.05
 5 Year2.832.853.233.25

Individual Retirement Accounts
  Rate A.P.Y.
 Variable Rate(Rates may change after account is opened. Effective through calendar quarter)1.491.50
 
 Fixed RateSame terms & rates apply as CD

Investments

  U.S. Treasury Bills
  Term Rate
 30 Day.09
 60 Day.13
 90 Day.15

U.S. Treasury Notes
  Term Rate
 2 Year.91
 5 Year2.37
 10 Year3.72

Loans

  SNB Base Rate
  Note A.P.R.
 1 Year T-Bill 2/15/10.33

Automobile
  Note A.P.R.
 Automobile, RVs & Boats: Fixed/Direct DebitAs low as
 6.99

Home Equity
  Note A.P.R.
 Home Equity Line (Variable Rate)4.33
 Home Improvement and Second Mortgage6.99
 
Contact a Personal Banker for specific terms and conditions

Mortgage Loan
  Note A.P.R.
 For rate information on FHA/VA and Conventional Fixed Rate financing,
 please call the Mortgage Loan Center - 605-977-9005
 

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.



Member FDIC Security National Bank of South Dakota
6601 S. Louise Ave., P.O. Box 91650, Sioux Falls, SD 57109-1650
Phone (605) 977-9000