Banking Account Rates | Security Bank & Trust Co.

Interest Rates and Annual Percentage Yield Current as of April 1st, 2024.

Checking & Savings Account Rates

Download Checking & Savings Account Rate Sheet PDF

Product	Range	Interest Rate	APY	Minimum Deposit to Open Account	Minimum Balance to Obtain APY
H S A	$0.01 – $999.99	0.02%	0.02%	$50	$0.01
	$1,000 – $9,999.99	0.20%	0.20%
	$10,000 – $24,999.99	0.30%	0.30%
	$25,000 – $49,999.99	0.35%	0.35%
	$50,000 and up	0.35%	0.35%
Advantage Checking	$0.01 – $999.99	0.02%	0.02%	$500	$0.01
	$1,000 – $9,999.99	0.05%	0.05%
	$10,000 – $24,999.99	0.05%	0.05%
	$25,000 – $49,999.99	0.05%	0.05%
	$50,000 and up	0.05%	0.05%
Edge Checking	$0.01 – $999.99	0.02%	0.02%	$5,000	$0.01
	$1,000 – $24,999.99	0.10%	0.10%
	$25,000 – $99,999.99	0.10%	0.10%
	$100,000 – $499,999.99	0.10%	0.10%
	$500,000 and up	0.10%	0.10%
Premium Checking	$0.01 – $999.99	0.05%	0.05%	$2,500	$0.01
	$1,000 – $9,999.99	0.07%	0.07%
	$10,000 – $24,999.99	0.10%	0.10%
	$25,000 – $49,999.99	0.15%	0.15%
	$50,000 and up	0.15%	0.15%
Public Funds Checking	$0.01 to $99,999.99	0.02%	0.02%	$500	$0.01
	$100,000 – $249,999.99	0.15%	0.15%
	$250,000 – $499,999.99	0.20%	0.20%
	$500,000 – $2,499,999.99	0.30%	0.30%
	$2,500,000 and up	1.30%	1.31%
Non-Profit Checking	$0.01 – $999.99	0.05%	0.05%	$500	$0.01
	$1,000 – $24,999.99	0.07%	0.07%
	$25,000 – $99,999.99	0.10%	0.10%
	$100,000 – $499,999.99	0.15%	0.15%
	$500,000 and up	0.15%	0.15%
Gold Checking	$0.01 – $999.99	0.02%	0.02%	$50	$0.01
	$1,000 – $9,999.99	0.02%	0.02%
	$10,000 – $24,999.99	0.10%	0.10%
	$25,000 – $49,999.99	0.10%	0.10%
	$50,000 and up	0.10%	0.10%
Money Market	$0.01 – $2,499.99	0.25%	0.25%	$2,500	$0.01
	$2,500 – $24,999.99	0.85%	0.85%
	$25,000 – $99,999.99	1.00%	1.00%
	$100,000 – $999,999.99	1.40%	1.41%
	$1,000,000 and up	1.47%	1.48%
Savings	$0.01 – $2,499.99	0.25%	0.25%	$50	$0.01
	$2,500 – $24,999.99	0.85%	0.85%
	$25,000 – $99,999.99	1.00%	1.00%
	$100,000 – $999,999.99	1.40%	1.41%
	$1,000,000 and up	1.47%	1.48%
Super Kids Savings	$0.01 – $2,499.99	0.25%	0.25%	None	$0.01
	$2,500 – $24,999.99	0.85%	0.85%
	$25,000 – $99,999.99	1.00%	1.00%
	$100,000 – $999,999.99	1.40%	1.41%
	$1,000,000 and up	1.47%	1.48%

Certificate of Deposit Rates

Download Certificate of Deposit Rate Sheet PDF

Term	Range	Interest Rate	APY	Minimum Deposit to Open Account	Minimum Balance to Obtain APY
3 Month	Qualifying balance up to $9,999.99	1.00%	1.00%	$1,000	$0.01
	$10,000 – $49,999.99	2.50%	2.52%
	$50,000 – $9,999,999.99	2.50%	2.52%
6 Month	Qualifying balance up to $9,999.99	1.00%	1.00%	$1,000	$0.01
	$10,000 – $49,999.99	4.91%	5.00%
	$50,000 – $9,999,999.99	4.91%	5.00%
1 Year	Qualifying balance up to $9,999.99	2.00%	2.02%	$1,000	$0.01
	$10,000 – $49,999.99	2.75%	2.78%
	$50,000 – $9,999,999.99	3.30%	3.34%
15 Month ‡	$10,000 and over	4.67%	4.75%	$10,000	$0.01
2 Year	Qualifying balance up to $9,999.99	2.00%	2.02%	$1,000	$0.01
	$10,000 – $49,999.99	2.75%	2.78%
	$50,000 – $9,999,999.99	2.75%	2.78%
3 Year	Qualifying balance up to $9,999.99	2.00%	2.02%	$1,000	$0.01
	$10,000 – $49,999.99	2.50%	2.52%
	$50,000 – $9,999,999.99	2.50%	2.52%
39 Month Bump-up ¥	Qualifying balance up to $49,999.99	3.30%	3.34%	$5,000	$0.01
	$50,000 – $9,999,999.99	3.30%	3.34%
5 Year	Qualifying balance up to $9,999.99	2.00%	2.02%	$1,000	$0.01
	$10,000 – $49,999.99	2.50%	2.52%
	$50,000 – $9,999,999.99	2.50%	2.52%

‡ 15-month Certificate of Deposit accounts will automatically renew at the 12-month Certificate of Deposit term. The renewal rate will be the same rate we are then offering on new 12-month Certificate of Deposit accounts that have the same term and other features as this account.
¥ At your discretion, you may change the interest rate on the 39-month certificate once during the term. You may exercise this option by presenting your original certificate of deposit at any branch. The interest rate and resulting annual percentage yield will change to the interest rate and annual percentage yield being paid by us on that date for the remaining term of this certificate.

HSA Certificate of Deposit Rates

Consumer IRA Rates

Download Consumer IRA Rate Sheet PDF

Term	Range	Interest Rate	APY	Minimum Deposit to Open Account	Minimum Balance to Obtain APY
IRA Savings Account
Variable^†	$0.01 – $49,999.99	0.02%	0.02%	$50	$0.01
	$50,000 – $99,999.99	0.02%	0.02%
	$100,000 – $9,999,999.99	0.02%	0.02%
IRA Certificates of Deposit
1 Year*	Qualifying balance up to $9,999.99	2.00%	2.02%	$1,000	$0.01
	$10,000 – $49,999.99	2.75%	2.78%
	$50,000 – $9,999,999.99	3.30%	3.34%
15 Month*‡	$10,000 and over	4.67%	4.75%	$10,000	$0.01
2 Year*	Qualifying balance up to $9,999.99	2.00%	2.02%	$1,000	$0.01
	$10,000 – $49,999.99	2.75%	2.78%
	$50,000 – $9,999,999.99	2.75%	2.78%
3 Year*	Qualifying balance up to $9,999.99	2.00%	2.02%	$1,000	$0.01
	$10,000 – $49,999.99	2.50%	2.52%
	$50,000 – $9,999,999.99	2.50%	2.52%
39 Month *Bump-up ¥**	Qualifying balance up to $49,999.99	3.30%	3.34%	$5,000	$0.01
	$50,000 – $9,999,999.99	3.30%	3.34%
5 Year*	Qualifying balance up to $9,999.99	2.00%	2.02%	$1,000	$0.01
	$10,000 – $49,999.99	2.50%	2.52%
	$50,000 – $9,999,999.99	2.50%	2.52%

* A penalty may be imposed for early withdrawal. DEPOSIT LIMITATIONS: You may make an additional deposit to your account during the 10-calendar day grace period after maturity. Otherwise, you may not make deposits during the term of the CD. The maturity date for this account will remain the same after additional deposits.
^†Interest Rate and Annual Percentage Yield may change after account opening.
‡ 15-month Certificate of Deposit accounts will automatically renew at the 12-month Certificate of Deposit term. The renewal rate will be the same rate we are then offering on new 12-month Certificate of Deposit accounts that have the same term and other features as this account.
¥ At your discretion, you may change the interest rate on the 39-month certificate once during the term. You may exercise this option by presenting your original certificate of deposit at any branch. The interest rate and resulting annual percentage yield will change to the interest rate and annual percentage yield being paid by us on that date for the remaining term of this certificate.

CHECKING AND SAVINGS ACCOUNT INFORMATION:

Interest rates and annual percentage yield may change after opening. The interest rate and annual percentage yield (APY) are accurate as of the date indicated at the top of this page. If you would like more current rate and yield information, please call us at (320) 864-3171. At our discretion, we may change the interest rate on accounts at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks) into your account. Fees could reduce the earnings on the accounts. Contact a bank associate for more information.

CERTIFICATE OF DEPOSIT DISCLOSURE:

Rate and Annual Percentage Yield Information: Certificates of Deposit are interest-bearing accounts. The interest rate and annual percentage yield are accurate as of the date indicated at the top of this rate page. If you would like more current interest rate and annual percentage yield information, please call us at (320) 864-3171. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Fees could reduce earnings on the account.

Balance Information: The minimum balance to obtain the disclosed annual percentage yield is $0.01. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Deposit Limitations: After the account is opened, you may not make any deposits.

Early Withdrawal Penalties: For a Certificates of Deposit of less than 12 months, a penalty of 3 months interest may be imposed. For Certificates of Deposit 12 months to 23 months, a penalty of 6 months interest may be imposed. For Certificates of Deposit 24 months and greater, a penalty of 12 months interest may be imposed. Some exceptions may apply.

Renewal: This account will automatically renew. You will have a grace period of 10 calendar days after the maturity date to withdraw funds without a penalty. If you do not withdraw the funds, each renewal term will be for an identical term as the original term. If your account is not renewed, the funds will be paid directly to you.

Rates

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