Graphs & Rate Trends
Rates are subject to change.
Member Federal Deposit Insurance Corporation
| CHECKING TYPES | MINIMUM BALANCE TO OBTAIN APY | MINIMUM BALANCE TO OPEN | INTEREST RATE | APY |
|---|---|---|---|---|
| Liberty Checking* | N/A | $5.00 | N/A | N/A |
| NOW | $0.01 | $850.00 | 0.10% | 0.10% |
| Super NOW | $0.01 | $2,500.00 | 0.20% | 0.20% |
| SAVINGS TYPES | MINIMUM BALANCE TO OBTAIN APY | MINIMUM BALANCE TO OPEN | INTEREST RATE | APY |
|---|---|---|---|---|
| Statement Savings | $0.01 | $25.00 | 0.20% | 0.20% |
| IRA Savings | $0.01 | $100.00 | 3.00% | 3.00% |
MONEY MARKET TYPES | MINIMUM BALANCE TO OBTAIN APY | MINIMUM BALANCE TO OPEN | INTEREST RATE | APY |
|---|---|---|---|---|
| Heartland Tiered MMDA | $0.01 | $2,500.00 | 0.20% | 0.20% |
| $2,500.00 | $2,500.00 | 0.50% | 0.50% | |
| $10,000.00 | $2,500.00 | 0.75% | 0.75% | |
| $25,000.00 | $2,500.00 | 1.00% | 1.00% | |
| $50,000.00 | $2,500.00 | 1.50% | 1.51% | |
| $100,000.00 | $2,500.00 | 1.75% | 1.76% | |
| $200,000.00 | $2,500.00 | 2.00% | 2.02% |
*This is a non-interest bearing checking account.
On all Checking, Savings and MMDA Accounts the interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce the earnings on the account. For current rate information call (701) 493-2817.
CD TYPES | MINIMUM BALANCE TO OBTAIN APY | MINIMUM BALANCE TO OPEN | INTEREST RATE | APY |
|---|---|---|---|---|
| 3 Month | $0.01 | $500.00 | 3.90% | 3.96% |
| 3 Month | $10,000.00 | $500.00 | 4.00% | 4.06% |
| 6 Month | $0.01 | $500.00 | 4.15% | 4.19% |
| 6 Month | $10,000.00 | $500.00 | 4.25% | 4.30% |
| 9 Month | $0.01 | $500.00 | 3.90% | 3.92% |
| 9 Month | $10,000.00 | $500.00 | 4.00% | 4.02% |
| 12 Month | $0.01 | $500.00 | 3.90% | 3.90% |
| 12 Month | $10,000.00 | $500.00 | 4.00% | 4.00% |
| 18 Month | $0.01 | $500.00 | 3.15% | 3.17% |
| 18 Month | $10,000.00 | $500.00 | 3.25% | 3.28% |
| 24 Month | $0.01 | $500.00 | 3.15% | 3.15% |
| 24 Month | $10,000.00 | $500.00 | 3.25% | 3.25% |
| 30 Month | $0.01 | $500.00 | 2.90% | 2.92% |
| 30 Month | $10,000.00 | $500.00 | 3.00% | 3.02% |
| 36 Month Bump Rate** | $0.01 | $500.00 | 3.00% | 3.00% |
| 5 Year | $0.01 | $500.00 | 2.90% | 2.90% |
| 5 Year | $10,000.00 | $500.00 | 3.00% | 3.00% |
| Their Future CD*** | $0.01 | $50.00 | 3.00% | 3.02% |
| 12 Month IRA CD | $0.01 | $100.00 | 3.00% | 3.00% |
| 12 Month IRA CD | $10,000.00 | $100.00 | 3.00% | 3.00% |
**May be exchanged for a higher rate once before maturity. The Interest rate and annual percentage yield (APY) may change after account opening. For current rate information call (701) 493-2817.
*** This is a variable term account in which the term in months will be equal to the number of months until the anticipated high school graduation date of the minor for whom this CD is purchased.
A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. For current rate information call (701) 493-2817.
IRA TYPES | MINIMUM BALANCE TO OBTAIN APY | MINIMUM BALANCE TO OPEN | INTEREST RATE | APY |
|---|---|---|---|---|
| 12 Month IRA Certificate | $0.01 | $100.00 | 3.00% | 3.00% |
| 12 Month IRA Certificate | $10,000.00 | $100.00 | 3.00% | 3.00% |
A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. For current rate information call (701) 493-2817.
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