Rates

Select a product below to see our rates:

Deposit Rates

Rates as of 06/11/2018

Certificate of Deposit Specials (min $5,000)	Interest Rate	Annual Percentage Yield
13 month term - with a Premier Checking Account	1.98%	2.00%
13 month term - without a Premier Checking Account	1.74%	1.75%
25 month term - with a Premier Checking Account	2.23%	2.25%
25 month term - without a Premier Checking Account	1.98%	2.00%
37 month term - with a Premier Checking Account	2.72%	2.75%
37 month term - without a Premier Checking Account	2.47%	2.50%

*Annual percentage yield. APY assumes interest will remain on deposit until maturity. The 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. CD offers available for a limited time. Minimum balance of $5,000. Additional deposits are not permitted at any time. A penalty may be imposed for early withdrawal and may reduce earnings. The 13-month CD automatically renews for 13 months at the 12-month rate offered at the time of maturity. The 25-month CD automatically renews for 25 months at the 24-month rate offered at the time of maturity. The 37-month CD automatically renews for 37 months at the 36-month rate offered at the time of maturity.

Certificate of Deposit (min $1,000)	Interest Rate	Annual Percentage Yield
3 month term	0.05%	0.05%
6 month term	0.15%	0.15%
12 month term	0.25%	0.25%
24 month term	0.40%	0.40%
36 month term	0.60%	0.60%
48 month term	0.80%	0.80%
60 month term	1.05%	1.05%

The 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. SPECIAL: The 13-month CD automatically renews for 13 months at the 12-month rate offered at time of renewal. The 18-month CD Automatically renews for 18 months at the 12-month rate offered at that time.

Life Checking (min opening deposit $25)	Interest Rate	Annual Percentage Yield
$0.00 - $5,000	4.90%	5.00%
$5,000+	0.25%	0.25%

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. Rate is guaranteed through at least 2018.

Smart Checking (min opening deposit $25)	Interest Rate	Annual Percentage Yield
$0.00 - $499.99	0.02%	0.02%
$500 - $999.99	0.02%	0.02%
$1000 - $4,999.99	0.02%	0.02%
$5,000+	0.02%	0.02%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

Money Market (min deposit $5,000)	Interest Rate	Annual Percentage Yield
$0.00 - $4999.99	0.15%	0.15%
$5,000 - $24,999.99	0.15%	0.15%
$25,000 - $49,999.99	0.15%	0.15%
$5,000 - $99,999.99	0.25%	0.25%
$100,000+	0.35%	0.35%

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	0.15%	0.15%
$5,000 - $24,999.99	0.50%	0.50%
$25,000+	0.75%	0.75%

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	0.25%	0.25%
$25,000+	0.60%	0.60%

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	2.47%	2.50%
$10,000+	0.25%	0.25%

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	0.05%	0.05%
$1,000 - $4,999.99	0.10%	0.10%
$5,000 - $9,999.99	0.15%	0.15%
$10,000+	0.25%	0.25%

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	0.05%	0.05%
$1,000 - $4,999.99	0.10%	0.10%
$5,000 - $9,999.99	0.15%	0.15%
$10,000+	0.25%	0.25%

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	0.25%	0.25%

Minimum opening deposit of $5 for Youth Savings.

Mortgage Rates

Rates as of 6/22/2018

Fixed Rate - 15 year	Rate	APR
180 monthly payments of $1118.95	4.125%	4.203%

Fixed Rate - 20 year	Rate	APR
240 monthly payments of $948.97	4.500%	4.561%

Fixed Rate - 30 year	Rate	APR
360 monthly payments of $771.21	4.625%	4.670%

5 year Adjustable Rate Mortgage/30 year Amortization**	Rate	APR
Term: 30 years	4.500%	4.937%

Monthly payment of $760.03 for the first 60 months. Estimated monthly payment amount of $809.34 for the remaining 300 months after the first adjustment based on an interest rate of 5.125%

7 year Adjustable Rate Mortgage/30 year Amortization**	Rate	APR
Term: 30 years	4.625%	4.925%

Monthly payment of $771.21 for the first 84 months. Estimated monthly payment amount of $808.34 for the remaining 276 months after the first adjustment based on an interest rate of 5.125%

IFA - First Time Home Buyer	Rate	APR
360 monthly payments of $816.73	5.125%	5.167%

FHA - 30 year fixed - not available at this time

*APR stands for Annual Percentage Rate.

**Adjustable rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.

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: 750+	2.240%	2.616%

APR = Annual percentage rate as of 03/23/2018. 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.

Loan Rates

Rates as of 06/19/2018

Auto Loans

Auto loan rates are based on the applicant's credit score, loan amount and term of loan.

Tier 1 - 726 or higher credit score.
Tier 2 - Credit Score between 650 - 725.

Vehicle Year	Amortization	Tier 1	Tier 2
2016 - 2018	up to 72 months	3.49%	4.75%
2014 - 2015	up to 60 months	4.25%	5.00%
2012 - 2013	up to 48 months	4.75%	5.25%
2011 - Below	up to 36 months	5.75%	6.25%

Sample Scenario (Based on Tier 1 credit score) (72 month) : A 6-year, $10,000 loan and $50 document prep fee, on a 2016-2018 model with a 3.664% APR would be 72 principal and interest payments of $154.15 per month. Rates are stated as Annual Percentage Rate (APR) and are effective as of 06/19/2018. Rates are subject to change without notice. Subject to credit approval.

Sample Scenario (Based on Tier 2 credit score) (72 month) : A 6-year, $10,000 loan and $50 document prep fee, on a 2016-2018 model with a 4.928% APR would be 72 principal and interest payments of $159.91 per month. Rates are stated as Annual Percentage Rate (APR) and are effective as of 06/19/2018. Rates are subject to change without notice. Subject to credit approval.

* All model years that do not have an auto pay from a Premier Bank checking will have an increase of 0.25% to the rates listed.

Boat | RV | Motorcycle | Snowmobiles | ATV | Motor Home

Model Year	Amortization	Interest Rate
2016 - 2018	up to 72 months	6.00%
2014 - 2015	up to 60 months	6.50%
2012 - 2013	up to 48 months	6.75%
2011 - Below	up to 36 months	7.00%

Rates are stated as Annual Percentage Rate (APR) and are effective as of 06/19/2018. Rates are subject to change without notice. Subject to credit approval. $50 document prep fee. Add 0.25% without auto pay from a Premier Account.

Home Equity Line of Credit - Adjustable Line SPECIAL

Credit Score	Loan to Value <80%	APR
750+	6-month intro rate: 3.49% APR	Variable rate after 6 months: 4.75% APR

*Annual Percentage Rate (APR) available for a limited time. For conforming loans, 3.49% interest rate if paid in full within first six months then adjusts monthly after six months to one-half point below Prime Rate (currently 5.00%) as published in the Wall Street Journal, and will vary, with a floor of 4.75%. Maximum rate is 15.00%. Add .50% to variable rate for no Premier Bank checking account. Ten-year term up to 100% loan-to-value ratio. Homeowner’s insurance required. Owner occupied dwellings only. Subject to credit qualification. Loans requiring an appraisal are subject to $250-$400 appraisal fee. No annual fees. Consult your tax advisor regarding the deductibility of interest. Sample Scenario based on 750+ credit score and the variable rate is based on 80% or less loan-to-value. Based on a $20,000 conforming loan: 6 monthly interest only payments ranging from $53.55 to $59.28 based on the 3.49% APR. 114 interest only payments ranging from $72.88 to $80.68 based on the the 4.75% APR. Risk Based Pricing: Initial starting rates (and adjustable 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. Note: Loan requires monthly interest only payments that will be calculated on the amount of the current outstanding balance.

10 Year Home Equity Loan - Closed End

Credit Score	Loan to Value <80%	APR
750+	4.75%	4.872%

*Annual Percentage Rates (APR). Add 0.50% for no Premier Bank Checking Account. Homeowner's insurance required. Owner occupied dwellings only. Subject to credit qualification. Closing costs to be paid by borrower. Loans requiring an appraisal subject to $250-$400 appraisal fee. There is a $95 loan origination fee. No annual fees. Consult your tax advisor regarding the deductibility of interest. Sample Scenario based on 750+ credit score and Loan to Value of < 80%. Based on a $20,000 conforming loan: 119 monthly payments of $209.73 and one final payment of $210.17 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. Note: Payment examples do not include amounts for taxes and insurance, if applicable, and actual payments may be greater.

20 Year Home Equity Arm Loan - Closed End

Credit Score	Loan to value <80%	APR
750+	Initial starting rate is: 5.00%	5.087%

*Annual Percentage Rates (APR) are based on a $20,000 loan and loan-to-value ratio of 80%. Add 0.50% for no Premier Bank Checking Account. Loan is fixed for 10 years at 5.00%, then adjusts annually at Prime Rate plus one half percent (Prime Rate is currently 5.00% as published in the Wall Street Journal), and will vary, with a floor of 5.00% and a ceiling of 15%. 20-year term. Homeowner’s insurance required. Owner occupied dwellings only. Subject to credit qualification. Closing costs to be paid by borrower. Loans requiring an appraisal subject to $250-$400 appraisal fee. There is a $95 loan origination fee. No annual fees. Consult your tax advisor regarding the deductibility of interest. Sample Scenario based on 750+ credit score and Loan to Value of < 80%. Based on a $20,000 conforming loan: 119 monthly payments of $132.03, then monthly payments will change based on the current index rate. Risk Based Pricing: Initial starting rates (and adjustable 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. Note: Payment examples do not include amounts for taxes and insurance, if applicable, and actual payments may be greater.