Personal Banking

Today's Interest Rates

The displayed Annual Percentage Yield (APY) and interest rates are effective as of today’s date.

Savings Account Interest Rates

$50 Minimum deposit

Standard rates for savings and money market savings.

Type & Term	Minimum Balance (to earn interest)	Interest Rate	APY	Payment Frequency
Regular Savings	$50.00	0.20%	0.20%	Quarterly
Money Market Savings	$500.00	1.05%	1.06%	Monthly
Premier Money Market Savings*	$5,000.00 to $99,999.99	1.15%	1.16%	Monthly
	$100,000.00 to $499,999.99	1.25%	1.26%	Monthly
	$500,000.00 to $999,999.99	1.35%	1.36%	Monthly
	$1,000,000.00 or more	1.35%	1.36%	Monthly
Elite Money Market Savings*	$25,000.00 to $99,999.99	2.97%	3.01%	Monthly
	$100,000.00 to $499,999.99	2.97%	3.01%	Monthly
	$500,000.00 to $999,999.99	2.97%	3.01%	Monthly
	$1,000,000.00 or more	2.97%	3.01%	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.}

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Certificates of Deposit and Fixed Rate IRAs

$500 Minimum deposit

Standard rates for CDs and Fixed rate IRAs

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
17 Month CD Special	3.75%	3.79%	3.80%	3.84%	Semiannually and at Maturity
27 Month CD Special	3.75%	3.75%	3.80%	3.80%	Annually and at Maturity
3 Month (91 Day) CD	3.50%	3.55%	3.55%	3.60%	Maturity
6 Month (182 Day) CD	3.50%	3.53%	3.55%	3.58%	Maturity
1 year (12 Month) CD	3.50%	3.50%	3.55%	3.55%	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	3.50%	3.50%	3.55%	3.55%	Annually
5 Year (60 Month) CD	3.50%	3.50%	3.55%	3.55%	Annually

_{Annual percentage yield (APY) effective as of today’s date. $500 minimum balance required to earn the disclosed APY. If compounding and crediting increases the balance to exceed $99,999, the increased rate will take effect upon renewal. There may be a penalty for early withdrawal.}

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Certificate of Deposit – Flexible Terms

$5,000 Minimum deposit

Rates for CDs with withdrawal and rate increase options*

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)*	3.25%	3.26%	3.25%	3.26%	Maturity
15 Month Flexible CD (Not for IRAs)*	3.25%	3.25%	3.25%	3.25%	Annually**
30 Month Flexible CD (Not for IRAs)*	3.25%	3.28%	3.25%	3.28%	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.}

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Checking Account Interest Rates

$50 Minimum deposit

Standard rates for interest checking.

Type & Term	Minimum Balance (to earn interest)	Interest Rate	APY	Payment Frequency
America's Best Interest Checking	$500.00	0.10%	0.10%	Monthly
America's Best Premier Interest Checking*	$5,000.00 to $49,999.99	0.10%	0.10%	Monthly
	$50,000.00 to $99,999.99	0.10%	0.10%	Monthly
	$100,000.00 or more	0.10%	0.10%	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.}

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Variable Rate IRAs

$50 Minimum deposit

Rates for variable rate individual retirement accounts.

Type & Term	Minimum Balance (to earn interest)	Interest Rate	APY	Payment Frequency
IRA Variable Rate Savings	$50.00	3.50%	3.56%	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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Business Rates

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Bank Interest Rates: CDs, IRAs, Savings and More | Bell Bank

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Today's Interest Rates

Savings Account Interest Rates

Certificates of Deposit and Fixed Rate IRAs

Certificate of Deposit – Flexible Terms

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Variable Rate IRAs

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Certificate of Deposit – Flexible Terms

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