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Deposit Products


On Deposits over $100,000 please call 605-647-2228 for special rates.

Rates are effective January 1, 2009
Deposit Products* Rates A.P.Y. (Annual Percentage Yield)
Passbook Savings .50% .50%
Now - $900 minimum balance .5% .5%
Money Market Savings    
Tier 1 $0-$24,999 .50% .50%
Tier 2 $25,000-$49,999 .75 .75
Tier 3 $50,000 and over 1.00 1.00
*Variable Rate. Fees may reduce earnings. 


Certificates of Deposit** Rates A.P.Y. (Annual Percentage Yield)
91 Day 1.00% 1.00%
182 Day 1.24% 1.25%
12 Month 1.49% 1.50%
18 Month 1.74% 1.75%
24 Month 1.99% 2.00%
30 Month 2.23% 2.25%
36 Month 2.48% 2.50%
48 Month 2.72% 2.75%
60 Month 2.97% 3.00%
** Substantial penalty for early withdrawal. 


Individual Retirement Accounts-Traditional** Rates A.P.Y (Annual Percentage Yield)
91 Day 1.25% 1.25%
182 Day 1.59% 1.60%
12 Month 1.74% 1.75%
18 Month 1.99% 2.00%
24 Month 2.24% 2.25%
30 Month 2.48% 2.50%
36 Month 2.73% 2.75%
48 Month 2.97% 3.00%
60 Month 3.22% 3.25%
** Substantial penalty for early withdrawal. 


Individual Retirement Accounts-Roth** Rates A.P.Y. (Annual Percentage Yield)
12 Month 1.74% 1.75%
24 Month 2.24% 2.25%
36 Month 2.73% 2.75%
48 Month 2.97% 3.00%
60 Month 3.22% 3.25%
** Substantial penalty for early withdrawal. 

 

 

 

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