Personal Banking

Bell Bank Interest Rates

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Annual Percentage Yields (APYs) effective as of today’s date

Certificates of Deposit and Fixed Rate IRAs

$500 Minimum deposit
Standard rates for CDs and Fixed rate IRAs
Details

Type & Term Interest Rate APY Interest Rate APY Payment Frequency
Daily Balance of

$500 - 
$99,999

$500 - 
$99,999 
$99,999.01
or more 
$99,999.01
or more 
 
7 Month CD Special 5.25% 5.31% 5.30% 5.36% Maturity
14 Month CD Special 4.75% 4.75% 4.80% 4.80% Annually*
3 Month (91 Day) CD 4.00% 4.06% 4.05% 4.11% Maturity
6 Month (182 Day) CD 4.00% 4.04% 4.05% 4.09% Maturity
1 year (12 Month) CD 4.00% 4.00% 4.05% 4.05% Maturity
18 Month CD 3.50% 3.53% 3.55% 3.58% Semiannually
2 Year (24 Month) CD 3.50% 3.50% 3.55% 3.55% 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
Annual Percentage Yield (APY) assumes that interest will remain on deposit until maturity. A penalty for early withdrawal may be imposed. If compounding and crediting increases the balance to exceed $99,999, the increased rate will take effect upon renewal.

Certificate of Deposit – Flexible Terms

$5,000 Minimum deposit
Rates for CDs with withdrawal and rate increase options*
Details

Type & Term Interest Rate APY Interest Rate APY Payment Frequency
Minimum Daily Balance 
to Earn Interest
$2500 - 
$99,999

$2500 - 
$99,999

$99,999.01
or more
$99,999.01
or more 
 
10 Month Flexible CD (Not for IRAs)* 4.50% 4.52% 4.50% 4.52% Maturity
15 Month Flexible CD (Not for IRAs)* 4.25% 4.25% 4.25% 4.25% 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

$50 Minimum deposit
Standard rates for savings and money market savings.
Details
Type & Term Minimum Balance
(to earn interest)
Interest Rate APY Payment Frequency
Regular Savings $50.00 0.50% 0.50% Quarterly
Money Market Savings $500.00 2.00% 2.02% Monthly
Premier Money Market Savings* $5,000.00 to $99,999.99 2.25% 2.27% Monthly
$100,000.00 to $499,999.99 2.50% 2.53% Monthly
$500,000.00 to $999,999.99 2.75% 2.78% Monthly
$1,000,000.00 or more 3.00% 3.04% Monthly
Elite Money Market Savings* $25,000.00 to $99,999.99 4.25% 4.33% Monthly
  $100,000.00 to $499,999.99 4.25% 4.33% Monthly
  $500,000.00 to $999,999.99 4.25% 4.33% Monthly
  $1,000,000.00 or more 4.25% 4.33% 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 service fee of $2 for Regular Savings and $10 for Money Market accounts if the minimum balance is not maintained.
*The interest rate is paid on the entire balance in the account.

Checking Account Interest Rates

$50 Minimum deposit
Standard rates for interest checking.
Details
Type & Term Minimum Balance
(to earn interest)
Interest Rate APY Payment Frequency
America's Best Interest Checking $500.00 0.30% 0.30% Monthly
America's Best Premier Interest Checking* $5,000.00 to $49,999.99 0.30% 0.30% Monthly
$50,000.00 to $99,999.99 0.30% 0.30% Monthly
$100,000.00 or more 0.30% 0.30% 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

$50 Minimum deposit
Rates for variable rate individual retirement accounts.
Details
Type & Term Minimum Balance
(to earn interest)
Interest Rate APY Payment Frequency
IRA Variable Rate Savings $50.00 4.00% 4.07% Monthly
Annual Percentage Yield (APY) is variable and may change monthly. The APY assumes that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
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Mortgage Loan Rates

Contact a mortgage lender in your area for the latest mortgage rates.

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Buying or building a new home? Refinancing? Purchasing a vehicle? Getting married? Bell has loans for all ages and stages of your life.

Still have questions?

Our team is available to help answer your questions about interest rates. Contact customer service toll-free at 800-450-8949. Weekdays from 7:00 am to 10:00 pm CT, and weekends from 7:00 am to 6:00 pm CT.