Personal Banking
Bell Bank Interest Rates
Annual Percentage Yields (APYs) effective as of today’s date
Certificates of Deposit and Fixed Rate IRAs
Details
Type & Term | Interest Rate | APY | Interest Rate | APY | Payment Frequency |
---|---|---|---|---|---|
Daily Balance of |
$500 - |
$500 - $99,999 |
$99,999.01 or more |
$99,999.01 or more |
|
7 Month CD Special | 4.50% | 4.54% | 4.55% | 4.59% | Maturity |
3 Month (91 Day) CD | 4.00% | 4.06% | 4.05% | 4.11% | Maturity |
6 Month (182 Day) CD | 3.75% | 3.79% | 3.80% | 3.84% | Maturity |
1 year (12 Month) CD | 3.50% | 3.50% | 3.55% | 3.55% | Maturity |
18 Month CD | 3.00% | 3.02% | 3.05% | 3.07% | Semiannually |
2 Year (24 Month) CD | 3.00% | 3.00% | 3.05% | 3.05% | Annually |
3 Year (36 Month) CD | 3.00% | 3.00% | 3.05% | 3.05% | Annually |
5 Year (60 Month) CD | 3.00% | 3.00% | 3.05% | 3.05% | Annually |
Certificate of Deposit – Flexible Terms
Details
Type & Term | Interest Rate | APY | Interest Rate | APY | Payment Frequency |
---|---|---|---|---|---|
Minimum Daily Balance to Earn Interest |
$2500 - $99,999 |
$2500 - |
$99,999.01 or more |
$99,999.01 or more |
|
10 Month Flexible CD (Not for IRAs)* | 3.50% | 3.51% | 3.50% | 3.51% | Maturity |
15 Month Flexible CD (Not for IRAs)* | 3.00% | 3.00% | 3.00% | 3.00% | Annually** |
30 Month Flexible CD (Not for IRAs)* | 3.00% | 3.02% | 3.00% | 3.02% | Semiannually |
Annual Percentage Yield (APY) assumes that interest will remain on deposit until maturity. There may be a penalty for early withdrawal. Once during the term, you can increase the APY to the current APY offered on a similar term flexible CD. Minimum of $5,000 to open. One penalty-free withdrawal of up to one-half of the current balance is allowed. This withdrawal cannot be made within six days of opening the CD. If you withdraw the remaining balance before the maturity date, a penalty may be imposed. A minimum balance of $2,500 must be maintained. If compounding and crediting increases the balance to exceed $99,999, the increased rate (if applicable) will take effect upon renewal.
Savings Account Interest Rates
Details
Type & Term | Minimum Balance (to earn interest) |
Interest Rate | APY | Payment Frequency |
---|---|---|---|---|
Regular Savings | $50.00 | 0.40% | 0.40% | Quarterly |
Money Market Savings | $500.00 | 1.80% | 1.81% | Monthly |
Premier Money Market Savings* | $5,000.00 to $99,999.99 | 2.00% | 2.02% | Monthly |
$100,000.00 to $499,999.99 | 2.25% | 2.27% | Monthly | |
$500,000.00 to $999,999.99 | 2.50% | 2.53% | Monthly | |
$1,000,000.00 or more | 2.75% | 2.78% | Monthly | |
Elite Money Market Savings* | $25,000.00 to $99,999.99 | 3.93% | 4.00% | Monthly |
$100,000.00 to $499,999.99 | 3.93% | 4.00% | Monthly | |
$500,000.00 to $999,999.99 | 3.93% | 4.00% | Monthly | |
$1,000,000.00 or more | 3.93% | 4.00% | Monthly |
*The interest rate is paid on the entire balance in the account.
Checking Account Interest Rates
Details
Type & Term | Minimum Balance (to earn interest) |
Interest Rate | APY | Payment Frequency |
---|---|---|---|---|
America's Best Interest Checking | $500.00 | 0.25% | 0.25% | Monthly |
America's Best Premier Interest Checking* | $5,000.00 to $49,999.99 | 0.25% | 0.25% | Monthly |
$50,000.00 to $99,999.99 | 0.25% | 0.25% | Monthly | |
$100,000.00 or more | 0.25% | 0.25% | Monthly |
Annual Percentage Yield (APY) is variable and may change after account is opened. If fees are applied, earnings may be reduced. There is a $10 service fee on your Interest Checking account if the minimum balance is not maintained. Interest is earned on the daily collected balance each day the balance is at or above the minimum balance.
*The interest rate is paid on the entire balance in the account.
Variable Rate IRAs
Details
Type & Term | Minimum Balance (to earn interest) |
Interest Rate | APY | Payment Frequency |
---|---|---|---|---|
IRA Variable Rate Savings | $50.00 | 3.75% | 3.82% | Monthly |
Mortgage Loan Rates
Details
Whether you’re on the way to your first home, your next home, or a better rate on your existing mortgage, Bell Bank Mortgage is here at every step. Our Bell loan officers are here to work with you to learn your unique financial goals, talk through rates and find the right program to fit your needs.