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Last Updated 03/08/10
Deposits
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(FDIC Insured)
(A.P.Y. = Annual Percentage Yield)
Checking/Savings
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Rate |
A.P.Y. |
| | Checking with Interest | | 0.05 | 0.05 | | | Smart Checking* | $0 - $100,000 | 1.99 | 2.01 | | | * 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 | .80 | Range 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 Account | Less than $2,500 | .25 | .25 | | | | $2,500 - $9,999 | .50 | .50 | | | | $10,000 and above | 1.00 | 1.00 | | | 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
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NORMAL CD |
CD PLUS |
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Term |
Rate |
A.P.Y. |
Rate |
A.P.Y. |
| | 91 Day | .40 | .40 | .80 | .80 | | | 6 Month | .70 | .70 | 1.10 | 1.10 | | | 8 Month | .85 | .85 | 1.25 | 1.25 | | | 1 Year | 1.19 | 1.20 | 1.59 | 1.60 | | | 14 Month | 1.59 | 1.60 | 1.99 | 2.00 | | | 18 Month | 1.19 | 1.20 | 1.59 | 1.60 | | | 2 Year | 1.74 | 1.75 | 2.14 | 2.15 | | | 30 Month | 2.09 | 2.10 | 2.49 | 2.50 | | | 3 Year | 2.53 | 2.55 | 2.93 | 2.95 | | | 4 Year | 2.63 | 2.65 | 3.03 | 3.05 | | | 5 Year | 2.83 | 2.85 | 3.23 | 3.25 |
Individual Retirement Accounts
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Rate |
A.P.Y. |
| | Variable Rate | (Rates may change after account is opened. Effective through calendar quarter) | 1.49 | 1.50 | | | | | | | | | Fixed Rate | | 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 | .09 | | | 60 Day | .13 | | | 90 Day | .15 |
U.S. Treasury Notes
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Term |
Rate |
| | 2 Year | .91 | | | 5 Year | 2.37 | | | 10 Year | 3.72 |
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Loans
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SNB Base Rate
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Note |
A.P.R. |
| | 1 Year T-Bill 2/15/10 | .33 |
Automobile
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Note |
A.P.R. |
| | Automobile, RVs & Boats: Fixed/Direct Debit | As low as | | | | 6.99 |
Home Equity
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Note |
A.P.R. |
| | Home Equity Line (Variable Rate) | 4.33 | | | 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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