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Deposit Products


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

Rates are effective December 30, 2009
Deposit Products* Rates A.P.Y. (Annual Percentage Yield)
Passbook Savings .30% .30%
Now - $1000 minimum balance .25% .25%
Money Market Savings    
Tier 1 $0-$49,999 .25% .25%
Tier 2 $50,000-$99,999 .50 .50
Tier 3 $100,000 and over .75 .75
*Variable Rate. Fees may reduce earnings. 


Certificates of Deposit** Rates A.P.Y. (Annual Percentage Yield)
91 Day 1.05% 1.05%
182 Day 1.24% 1.25%
12 Month 1.64% 1.65%
18 Month 1.84% 1.85%
24 Month 2.04% 2.05%
30 Month 2.23% 2.25%
36 Month 2.57% 2.60%
48 Month 2.77% 2.80%
60 Month 3.11% 3.15%
** Substantial penalty for early withdrawal. 


Individual Retirement Accounts-Traditional** Rates A.P.Y (Annual Percentage Yield)
91 Day 1.05% 1.05%
182 Day 1.24% 1.25%
12 Month 1.64% 1.65%
18 Month 1.84% 1.85%
24 Month 2.04% 2.05%
30 Month 2.23% 2.25%
36 Month 2.57% 2.60%
48 Month 2.77% 2.80%
60 Month 3.11% 3.15%
** Substantial penalty for early withdrawal. 


Individual Retirement Accounts-Roth** Rates A.P.Y. (Annual Percentage Yield)
12 Month 1.64% 1.65%
24 Month 2.04% 2.05%
36 Month 2.57% 2.60%
48 Month 2.77% 2.80%
60 Month 3.11% 3.15%
** Substantial penalty for early withdrawal. 

 

 

 

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