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Rates
Deposit Rates
Rates as of 08/01/2022
CD SPECIALS!
| Certificate of Deposit (min $10,000) | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 9 month term | 1.98% | 2.00% |
| 18 month term | 2.23% | 2.25% |
These certificates of deposit require a minimum opening deposit. You must maintain a balance equal to the original opening deposit in order to earn the disclosed interest rate and annual percentage yield. These rates are based on monthly compounding and crediting. Annual percentage yield assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for early withdrawal.
| Certificate of Deposit (min $1,000) | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 3 month term | 0.02% | 0.02% |
| 6 month term | 0.05% | 0.05% |
| 12 month term | 0.10% | 0.10% |
| 24 month term | 0.20% | 0.20% |
| 36 month term | 0.30% | 0.30% |
| 48 month term | 0.40% | 0.40% |
| 60 month term | 0.50% | 0.50% |
These certificates of deposit require a minimum opening deposit. You must maintain a balance equal to the original opening deposit in order to earn the disclosed interest rate and annual percentage yield. These rates are based on monthly compounding and crediting. Annual percentage yield assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for early withdrawal.
These certificates of deposit require a minimum opening deposit. You must maintain a balance equal to the original opening deposit in order to earn the disclosed interest rate and annual percentage yield. These rates are based on monthly compounding and crediting. Annual percentage yield assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for early withdrawal.
| Life Checking (min opening deposit $25) | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $5,000 | 0.50% | 0.50% |
| $5,000.01+ | 0.01% |
0.01% |
If eligibility requirements of Life Checking are not met the interest rate and APY are 0.01%. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
If eligibility requirements of Life Checking are not met the interest rate and APY are 0.01%. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
| Smart Checking (min opening deposit $25) | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $499.99 | 0.01% | 0.01% |
| $500 - $999.99 | 0.01% | 0.01% |
| $1000 - $4,999.99 | 0.01% | 0.01% |
| $5,000+ | 0.01% | 0.01% |
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
| Choice Checking | Interest Rate | Annual Percentage Yield |
|---|---|---|
| ALL CHECKING BALANCES | 0.15% | 0.15% |
+ PAIRED WITH AN EXCLUSIVE +
| Choice Money Market ($25,000 minimum to avoid $25 monthly fee) | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $100,000.00 | 0.20% | 0.20% |
| $100,000.01 - $250,000.00 | 0.40% | 0.40% |
| $250,000.01 - $500,000.00 | 0.60% | 0.60% |
| $500,000.01+ |
0.05% | 0.05% |
Choice Checking: If eligibility requirements of Life Checking are not met the interest rate and APY are 0.01%. Choice Money Market: Account holders must have a Choice Checking account in order to open a Choice Money Market Account. If Choice Checking eligibility requirement is not met, all balances will earn 0.01% APY. If balance in Money Market falls below $25,000 there will be a $25 monthly maintenance fee. These are variable rate accounts; the rate(s) and APY(s) may change after the account is opened. More info can be found here.
| Money Market (min deposit $5,000) | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $4999.99 | 0.02% | 0.02% |
| $5,000 - $24,999.99 | 0.02% |
0.02% |
| $25,000 - $49,999.99 | 0.02% | 0.02% |
| $50,000 - $99,999.99 | 0.03% | 0.03% |
| $100,000+ | 0.05% | 0.05% |
Minimum deposit of $5,000. If balance falls below $5,000 there will be a $10 monthly maintenance fee. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Fees may reduce earnings.
Minimum deposit of $5,000. If balance falls below $5,000 there will be a $10 monthly maintenance fee. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Fees may reduce earnings.
| Health Savings Account (HSA) | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $4999.99 | 0.02% | 0.02% |
| $5,000 - $24,999.99 | 0.03% | 0.03% |
| $25,000+ | 0.05% | 0.05% |
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. For consumer deposits only. Fees may reduce earnings. A monthly maintenance fee of $2.50 will be imposed if the average daily balance for the statement cycle in your HSA Account falls below $1,500.
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. For consumer deposits only. Fees may reduce earnings. A monthly maintenance fee of $2.50 will be imposed if the average daily balance for the statement cycle in your HSA Account falls below $1,500.
| IRA Investment Account | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $24,999.99 | 0.01% | 0.01% |
| $25,000+ | 0.01% | 0.01% |
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
| Life Savings | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $10,000 | 0.25% | 0.25% |
| $10,000+ | 0.02% | 0.02% |
No Minimum Balance Required. This account is paired with our Life Checking account. In order to earn the below rates you must meet the requirement of 20 debit card transactions on the Life Checking account. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Fees may reduce earnings. If you do not meet the requirement on the Life Checking account, you will earn 0.01% on the entire balance in the Life Savings.
No Minimum Balance Required. This account is paired with our Life Checking account. In order to earn the below rates you must meet the requirement of 20 debit card transactions on the Life Checking account. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Fees may reduce earnings. If you do not meet the requirement on the Life Checking account, you will earn 0.01% on the entire balance in the Life Savings.
| Premier Savings | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $999.99 | 0.02% | 0.02% |
| $1,000 - $4,999.99 | 0.02% | 0.02% |
| $5,000 - $9,999.99 | 0.02% | 0.02% |
| $10,000+ | 0.02% | 0.02% |
Minimum opening deposit of $100 for Premier Savings. If balance falls below $100, there will be a $3 monthly maintenance fee. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Fees may reduce earnings.
Minimum opening deposit of $100 for Premier Savings. If balance falls below $100, there will be a $3 monthly maintenance fee. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Fees may reduce earnings.
| First-time Homebuyer Savings (FTHSA) | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $0.00 - $999.99 | 0.02% | 0.02% |
| $1,000 - $4,999.99 | 0.02% | 0.02% |
| $5,000 - $9,999.99 | 0.02% | 0.02% |
| $10,000+ | 0.02% | 0.02% |
Minimum opening deposit of $100 for FTHSA. If balance falls below $100, there will be a $3 monthly maintenance fee. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Fees may reduce earnings.
Minimum opening deposit of $100 for FTHSA. If balance falls below $100, there will be a $3 monthly maintenance fee. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Fees may reduce earnings.
| Youth Savings (min opening deposit $5) | Interest Rate | Annual Percentage Yield |
|---|---|---|
| All balances | 0.05% | 0.05% |
Minimum opening deposit of $5 for Youth Savings.
Minimum opening deposit of $5 for Youth Savings.
Mortgage Rates
Rates as of 08/09/2022
| Fixed Rate - 15 year | Rate | APR |
|---|---|---|
| 180 monthly payments of $1157.10 | 4.625% | 4.729% |
| Fixed Rate - 20 year | Rate | APR |
|---|---|---|
| 240 monthly payments of $979.61 | 4.875% | 4.958% |
| Fixed Rate - 30 year | Rate | APR |
|---|---|---|
| 360 monthly payments of $805.23 |
5.000% | 5.061% |
| IFA - First Time Home Buyer | Rate | APR |
|---|---|---|
| 360 monthly payments of $877.31 | 5.875% | 5.899% |
| FHA - 30 year fixed - not available at this time |
|---|
*APR stands for Annual Percentage Rate.
The APR's and payment amounts assume a purchase price of $187,500 with a 20% down payment for a loan amount of $150,000. Payment amounts consist of principal and interest only. Payment amounts do not include amounts for taxes and insurance, if applicable, actual payments will be greater. Subject to credit approval. Rates subject to change.
| Construction Loan | Rate | APR |
|---|---|---|
| Credit Score: 700+ | 1.99% | 2.411% |
APR = Annual percentage rate as of 06/30/2020. Subject to credit approval. Other terms, conditions, restrictions & fees may apply. Full documentation, title & property insurance required. Flood insurance required if property is located in a Special Flood Hazard Area. Construction Loan Rate as of publication date and subject to change. APR is based on a $320,000 construction loan amount, 12 month, interest only payment with a 20% down payment (loan valuation of $400,000).
Risk Based Pricing: Rates may be higher and are dependent on an applicant’s Loan to Value and Credit Score. To obtain rates based on your scenario, please contact us at 563-588-1000.
Auto Loans | Boat | RV | Motorcycle | Snowmobiles | ATV | Motor Home
Premier Bank can help you secure a loan for your next new or used vehicle, boat, ATV and more. We promise personal service, offer flexible terms, and fast approval processes that will get you out on the open road in no time. Stop in or call 563-588-1000 to apply or learn more!
Subject to credit approval.
Home Equity Line of Credit - Adjustable Line
Put the equity in your home to work for you. A HELOC allows you to use the equity in your home for a variety of reasons; college, home improvements, debt consolidations, or just about anything else you would like to do. Our HELOCs offer the flexibility of a revolving line of credit with a convenient monthly payment. The money is there when you need it for the reasons that you decide. Stop in or call 563-588-1000 to apply or learn more!
Subject to credit approval.
Home Equity Loans (10-Year Closed, 20-Year Arm Closed)
Tap into the value of your home to pay for any major needs. From debt consolidation to home improvement projects, a home equity loan from Premier Bank is a smart move. Stop in or call 563-588-1000 to apply or learn more!
Subject to credit approval.
