ONLINE BANKING

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RATES EFFECTIVE AS OF 5/15/24

When you entrust us with your hard-earned dollars, we like to say thank you with account benefits and interest earned on many of your deposited funds. View current deposit rates below for our checking accounts, savings accounts, CDs, IRAs and health savings account.

Checking Accounts

DescriptionMinimum Required BalanceInterest RateAnnual Percentage Yield
Description
Essential Checking
$100 to open account. Avoid $3 monthly service charge with eStatements OR direct deposit.
Minimum Required Balance
No Minimum Balance
Interest Rate
0.00%
Annual Percentage Yield
0.00%
Description
eChecking
$100 to open account. $10 nationwide ATM fee refunds; Avoid $10 monthly service charge and forfeiture of ATM fee refunds with eStatements AND Direct Deposit.
Minimum Required Balance
No Minimum Balance
Interest Rate
0.05%
Annual Percentage Yield
0.05%
Description
Connection Checking
$100 to open account. Free initial order of standard checks. $10 nationwide ATM fee refunds. Avoid $10 monthly service charge and forfeiture of ATM fee refunds when daily balance requirements are met.
Minimum Required Balance
$2,500 Daily Minimum Balance OR $10,000 total deposit balance
Interest Rate
0.05%
Annual Percentage Yield
0.05%

Rates are variable and subject to change after account is opened. Fees can reduce earnings.

Savings Accounts

DescriptionMinimum Required BalanceInterest RateAnnual Percentage Yield
Description
Wolf River Savings & Business Savings
$100 to open. Interest compounded daily. $7.50 quarterly service charge if quarterly average of the daily balance drops below $100.
Minimum Required Balance
$100
Interest Rate
0.10%
Annual Percentage Yield
0.10%
Description
Advisor's Choice Money Market & Business Money Market*
Tiered Account.
Minimum Required Balance
$2,500
Interest Rate
Annual Percentage Yield
Description
Daily balance of $0 to $9,999.99
Minimum Required Balance
Interest Rate
0.20%
Annual Percentage Yield
0.20%
Description
Daily balance of $10,000 to $49,999.99
Minimum Required Balance
Interest Rate
0.40%
Annual Percentage Yield
0.40%
Description
Daily balance of $50,000 to $99,999.99
Minimum Required Balance
Interest Rate
0.75%
Annual Percentage Yield
0.75%
Description
Daily balance of $100,000 to $249,999.99
Minimum Required Balance
Interest Rate
1.24%
Annual Percentage Yield
1.25%
Description
Daily balance of $250,000 to $499,999.99
Minimum Required Balance
Interest Rate
1.49%
Annual Percentage Yield
1.50%
Description
Daily balance of $500,000 or more
Minimum Required Balance
Interest Rate
1.83%
Annual Percentage Yield
1.85%
Description
Christmas Club
Interest credited annually. Early withdrawal will require account to be closed and the forfeiture of interest.
Minimum Required Balance
No minimum balance
Interest Rate
0.05%
Annual Percentage Yield
0.05%
Description
Custodial Savings
Minimum Required Balance
No minimum balance and no monthly fee
Interest Rate
0.10%
Annual Percentage Yield
0.10%

*Interest compounded monthly. $10 service charge per month that the minimum daily balance falls below $2,500. Interest rates and annual percentage yields are variable and subject to change without notice. Fees can reduce earnings.

Certificates of Deposit

DescriptionInterest RateAnnual Percentage Yield
Description
3-month CD
Interest Rate
3.94%
Annual Percentage Yield
4.00%
Description
6-month CD
Interest Rate
1.99%
Annual Percentage Yield
2.00%
Description
SPECIAL! 9-month CD
Interest Rate
5.07%
Annual Percentage Yield
5.10%
Description
12-month CD
Interest Rate
1.74%
Annual Percentage Yield
1.75%
Description
18-month CD
Interest Rate
1.64%
Annual Percentage Yield
1.65%
Description
SPECIAL! 19-month CD
Interest Rate
4.425%
Annual Percentage Yield
4.50%
Description
24-month CD
Interest Rate
1.54%
Annual Percentage Yield
1.55%
Description
36-month CD
Interest Rate
1.54%
Annual Percentage Yield
1.55%
Description
48-month CD
Interest Rate
1.49%
Annual Percentage Yield
1.50%
Description
60-month CD
Interest Rate
1.49%
Annual Percentage Yield
1.50%

$1,000.00 minimum balance required to open CDs. No deposits can be added. Early withdrawals of principal prior to the maturity date will result in substantial penalties and the account will be closed. Interest credited at maturity on CDs less than 12 months. Quarterly compounding on accounts 12 months and over. Fees may reduce earnings.

IRAs (Traditional and Roth)

Description Interest Rate Annual Percentage Yield
Description
12-month Fixed
Interest Rate
1.74%
Annual Percentage Yield
1.75%
Description
SPECIAL! 14-month IRA CD
Interest Rate
4.67%
Annual Percentage Yield
4.75%
Description
36-month Fixed
Interest Rate
1.54%
Annual Percentage Yield
1.55%

$1,000 minimum balance required to open IRA CD. No deposit can be added. Early withdrawals of principal prior to the maturity date will result in substantial penalties and the account will be closed. Interest compounded quarterly. Fees may reduce earnings.

IRA Savings

Description Interest Rate Annual Percentage Yield
Description
Daily balance of $0.01 to $49,999.99
Interest Rate
0.10%
Annual Percentage Yield
0.10%
Description
Daily balance of $50,000 to $149,999.99
Interest Rate
0.15%
Annual Percentage Yield
0.15%
Description
Daily balance of $150,000 to $249,999.99
Interest Rate
0.25%
Annual Percentage Yield
0.25%
Description
Daily balance of $250,000 or more
Interest Rate
0.35%
Annual Percentage Yield
0.35%

*$100 minimum balance required to open. Deposits can be added. Interest compounded daily. Fees may reduce earnings. Interest rates and annual percentage yields are variable and subject to change without notice.

Health Savings Account

Description Interest Rate Annual Percentage Yield
Description
Daily balance of $0 to $1,999.99
Interest Rate
0.10%
Annual Percentage Yield
0.10%
Description
Daily balance of $2,000 to $9,999.99
Interest Rate
0.13%
Annual Percentage Yield
0.13%
Description
Daily balance of $10,000 to $24,999.99
Interest Rate
0.15%
Annual Percentage Yield
0.15%
Description
Daily balance of $25,000 or more
Interest Rate
0.20%
Annual Percentage Yield
0.20%

No minimum balance. Enroll in eStatements to avoid a $3.00 monthly service charge. Interest rates and annual percentage yields are variable and subject to change without notice.

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