SNB of South Dakota - Contact Us

Last Updated 09/07/10

Deposits

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

Checking/Savings

		Rate	A.P.Y.
Checking with Interest		0.05	0.05
Performance Plus Checking*	$0 - $25,000	2.97	3.01
* Account requires a minimum opening balance of $100. For personal accounts only. Statement Cycles for Performance Plus Checking occur on the 9th business day of each month. All monthly qualifications must be met 3 business days	Above $25,000	0.80	Range from 1.91%-3.01%
preceding the Statement Cycle Date. For accounts that meet the monthly qualifications an interest rate of 2.97% (3.01% APY) will be paid on average daily balances up to and including $25,000. An interest rate of 0.80% will be paid
for only that portion of your average daily balance that is greater than $25,000. The APY for this tier will range from 1.91% to 3.01%, depending on the balance in your account. For accounts that do not meet the monthly qualifications,
0.15% APY is paid on the entire average daily balance and you will not receive any ATM fee refunds. If you close your account before interest is credited, you will not receive accrued interest. Rate is effective 5-1-10 and is subject to
change. All features of this account are subject to change at the bank's discretion at any time.


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

	NORMAL CD		CD PLUS
Term	Rate	A.P.Y.	Rate	A.P.Y.
91 Day	.10	.10	.50	.50
6 Month	.35	.35	.75	.75
8 Month	.60	.60	1.00	1.00
1 Year	1.10	1.10	1.49	1.50
14 Month	1.35	1.35	1.74	1.75
18 Month	1.19	1.20	1.59	1.60
2 Year	1.64	1.65	2.04	2.05
30 Month	1.74	1.75	2.14	2.15
3 Year	1.94	1.95	2.34	2.35
4 Year	2.43	2.45	2.83	2.85
5 Year	2.53	2.55	2.93	2.95

Individual Retirement Accounts

		Rate	A.P.Y.
Variable Rate	(Rates may change after account is opened. Effective through calendar quarter)	1.30	1.30

Fixed Rate		Same terms & rates apply as CD

Investments

U.S. Treasury Bills

	Term	Rate
	30 Day	.13
	60 Day	.11
	90 Day	.12

U.S. Treasury Notes

	Term	Rate
	2 Year	.49
	5 Year	1.44
	10 Year	2.64

Loans

SNB Base Rate

	Note	A.P.R.
	Contact a Personal Banker for specific terms and conditions

Automobile

	Note	A.P.R.
	Automobile, RVs & Boats: Fixed/Direct Debit	As low as
		6.20

Home Equity

	Note	A.P.R.
	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.