Checking
Savings
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Investment Management
Investment Management
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Last Updated 09/07/10

Deposits

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


Checking/Savings
  Rate A.P.Y.
 Checking with Interest0.050.05
 Performance Plus Checking*$0 - $25,0002.973.01
 * 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 daysAbove $25,0000.80Range 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 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.10.10.50.50
 6 Month.35.35.75.75
 8 Month.60.601.001.00
 1 Year1.101.101.491.50
 14 Month1.351.351.741.75
 18 Month1.191.201.591.60
 2 Year1.641.652.042.05
 30 Month1.741.752.142.15
 3 Year1.941.952.342.35
 4 Year2.432.452.832.85
 5 Year2.532.552.932.95

Individual Retirement Accounts
  Rate A.P.Y.
 Variable Rate(Rates may change after account is opened. Effective through calendar quarter)1.301.30
 
 Fixed RateSame 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 Year1.44
 10 Year2.64

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 DebitAs 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.



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