Certificate of Deposits

Effective December 30, 2022 Annual Percentage Yield (APY)

•  
  Rate

  APY

  Term
• Loan Type:

  11 Month Certificate of Deposit Special*

  Rate: 3.95%

  APY: 3.95%

  Term: 11 Months
• Loan Type:

  16 Month Certificate of Deposit Special*

  Rate: 4.21%

  APY: 4.21%

  Term: 16 Months
• Loan Type:

  90 Day Certificate of Deposit

  Rate: .10%

  APY: .10%

  Term: 90 Days
• Loan Type:

  182 Day Certificate of Deposit

  Rate: .10%

  APY: .10%

  Term: 182 Days
• Loan Type:

  12 Month Certificate of Deposit

  Rate: .40%

  APY: .40%

  Term: 12 Months
• Loan Type:

  24 Month Certificate of Deposit

  Rate: .65%

  APY: .65%

  Term: 24 Months
• Loan Type:

  30 Month Certificate of Deposit

  Rate: .70%

  APY: .70%

  Term: 30 Months
• Loan Type:

  36 Month Certificate of Deposit

  Rate: .75%

  APY: .75%

  Term: 36 Months
• Loan Type:

  48 Month Certificate of Deposit

  Rate: .90%

  APY: .90%

  Term: 48 Months
• Loan Type:

  60 Month Certificate of Deposit

  Rate: 1.00%

  APY: 1.00%

  Term: 60 Months

The minimum balance to open an account is $500.00. A penalty may be imposed for early withdrawal. Interest will be compounded annually on terms of 12 months or more and at maturity on CD’S due in less than 12 months.

*Certificate of Deposit Specials: Offer limited to new CD accounts only and funds to open account may not be transferred from an existing MinnStar Bank N.A. account. The minimum balance to open an account and obtain the annual percentage yield is $10,000. A penalty may be imposed for early withdrawal. Interest will be compounded annually on terms of 12 months or more and at maturity on CD’S due in less than 12 months.

Interest Checking & Savings

Effective January 17, 2023 Annual Percentage Yield (APY)

•  
  Rate

  APY

  Term
• Loan Type:

  Elite Savings

  Rate: 0%-3.30%***

  APY: 0%-3.30%***

  Term: N/A
• Loan Type:

  5 Star Money Market

  Rate: .10%-.40% **

  APY: .10% -.40% **

  Term: N/A
• Loan Type:

  Interest Checking

  Rate: .10%

  APY: .10%

  Term: N/A
• Loan Type:

  Quarterly Savings

  Rate: .20%

  APY: .20%

  Term: N/A
• Loan Type:

  Monthly Passbook Savings

  Rate: .20%

  APY: .20%

  Term: N/A
• Loan Type:

  Money Market Savings

  Rate: .25%

  APY: .25%

  Term: N/A

**5 Star Money Market Savings

• $5,000.00 minimum balance
• The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change.
• A minimum balance fee of $10.00 will be imposed every month if the balance in the account falls below $5,000 any day of the monthly statement cycle
• Interest for your account will be compounded on a monthly basis and credited to your account monthly.
• .01-24,999.99 – .10% APY
• 25,000.00-99,999.99 – .20% APY
• 100,000-249,999.99- .30% APY
• 250,000 + -.40% APY

***Elite Savings

• $25,000.00 minimum balance
• Interest is accrued on a daily ledger balance and credited to the account monthly
• The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change.
• Receive E-statements with online banking or select paper statements. The paper statement fee is $5.00 per monthly statement cycle.
• .01-24,999.99 – 0% APY
• 25,000.00-49,999.99 – 2.05% APY
• 50,000 + – 3.30% APY