To be the leading bank in the region and in each of the communities we serve by fostering lasting relationships built on trust and integrity and enhancing the value of our communities through a relentless commitment to service.
Savings/CD's
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Take advantage of our Christmas CD* Special! 5.00% APR** 5.07% APY*** for 10 months with a minimum balance of just $1,000. Our terms and conditions apply. CD* special begins December 1st, 2023 and ends January 31st, 2024.
After the account is opened, you may not make any deposits.
You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You cannot withdraw interest from your account before maturity.
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue on the business day you deposit noncash items (for example: checks) into your account. Interest will be compounded and credited on a semiannual basis. A penalty may be imposed for withdrawals before maturity. *Certificate of Deposit, ** Annual Percentage Rate ***Annual Percentage Yield. Minimum deposit $1,000. A penalty may be imposed for early withdrawal. Interest is compounded semi-annually. Auto renewable. Some restrictions may apply.
Consumer Savings |
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Minimum balance required to open account is $100.00. There is no minimum to open account if under the age of 18 years. |
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No Deposit limitations; you may make an unlimited number of deposits into your account.* |
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Statements will be printed and available on a quarterly basis; monthly for accounts with electronic activity. |
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Online Banking |
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At our discretion, we may change the interest rate for this account. Please contact one of our bank offices for the current interest rates** |
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Limitations on frequency of transfers: During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution. |
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Interest for Consumer Savings will be compounded and credited into this account quarterly. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account. If you close your account before interest is paid, you will not receive the accrued interest. |
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Consumer Money Market |
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Minimum balance required to open is $1,000.00* |
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No Deposit limitations; you may make an unlimited number of deposits into your account* |
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Statements will be printed and available on a monthly basis |
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Online Banking |
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At our discretion, we may change the interest rate for this account. Please contact one of our bank offices for the current interest rates** |
| * | If your balance falls below $1,000.00 on any day in the statement cycle, your account will be subject to a service fee for that statement cycle. |
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Limitations on frequency of transfers: During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution. |
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Interest for Money Market Savings will be compounded and credited into this account monthly. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue on the business day you deposit non cash items (for example, checks) into your account. If you close your account before interest is paid, you will not receive the accrued interest. |
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Certificates of Deposit |
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Short Term Investment |
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Deposit limitations: |
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Withdrawal limitations: |
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Interest: |
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Long Term Investment |
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Deposit limitations: |
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Withdrawal limitations: |
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Interest: |
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Individual Retirement Account (IRA)
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Lankin |
Edinburg 701-993-8625 |
Edmore 701-644-2231 |
Park River 701-284-7272 |
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* The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account.
1 National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Data used to calculate the national rates are gathered by RateWatch. Savings and interest checking account rates are based on the $2,500 product tier while money market and certificate of deposit are based on the $10,000 and $100,000 product tiers for non-jumbo and jumbo accounts, respectively. Account types and maturities published in these tables are those most commonly offered by the banks and branches for which we have data - no fewer than 49,000 locations and as many as 81,000 locations reported. The deposit rates of credit unions are not included in the calculation.
