Maximize your earnings.

Security offers some of the best rates around when it comes to business savings accounts & CD's, checking, and much more! Our interest rate tiers allow you to increase your earnings when you increase your balances.

Build a relationship with Security Bank & Trust Co.

Our business savings accounts & CD's are designed to appeal to people of all financial situations. Our rate sheet will help you decide which products work for your lifestyle. Whether you want a low minimum balance, or are looking to earn as much interest as possible, our accounts can help you achieve those goals.

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

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Minimum Balance to Open Interest Rate Annual Percentage Yield
Advantage Checking
0.01 - 999.99 $500 0.02% 0.02%
1,000.00 - 9,999.99 0.05% 0.05%
10,000.00 - 24,999.99 0.05% 0.05%
25,000.00 - 49,999.99 0.05% 0.05%
50,000.00 and Greater 0.05% 0.05%
Premium Checking
0.01 - 999.99 $2,500 0.05% 0.05%
1,000.00 - 9,999.99 0.07% 0.07%
10,000.00 - 24,999.99 0.10% 0.10%
25,000.00 - 49,999.99 0.15% 0.15%
50,000.00 and Greater 0.15% 0.15%
Gold Checking
0.01 - 999.99 $50 0.02% 0.02%
1,000.00 - 9,999.99 0.02% 0.02%
10,000.00 - 24,999.99 0.10% 0.10%
25,000.00 - 49,999.99 0.10% 0.10%
50,000.00 and Greater 0.10% 0.10%
Edge Checking
0.01 - 999.99 $5,000 0.02% 0.02%
1,000.00 - 24,999.99 0.10% 0.10%
25,000.00 - 99,999.99 0.10% 0.10%
100,000.00 - 499,999.99 0.10% 0.10%
500,000.00 and Greater 0.10% 0.10%
Non-Profit Checking
0.01 - 999.99 $500 0.05% 0.05%
1,000.00 - 24,999.99 0.07% 0.07%
25,000.00 - 99,999.99 0.10% 0.10%
100,000.00 - 499,999.99 0.15% 0.15%
500,000.00 and Greater 0.15% 0.15%
Public Funds Checking
0.01 - 99,999.99 $500 0.02% 0.02%
100,000.00 - 249,999.99 0.15% 0.15%
250,000.00 - 499,999.99 0.20% 0.20%
500,000.00 - 2,499,999.99 0.20% 0.20%
2,500,000.00 and Greater 1.30% 1.31%
Minimum Balance to Open Interest Rate Annual Percentage Yield
Savings
0.01 - 2,499.99 $50 0.25% 0.25%
2,500.00 - 24,999.99 0.85% 0.85%
25,000.00 - 99,999.99 1.00% 1.00%
100,000.00 - 999,999.99 1.40% 1.41%
1,000,000 and Greater 1.47% 1.48%
Money Market
0.01 - 2,499.99 $2,500 0.25% 0.25%
2,500.00 - 24,999.99 0.85% 0.85%
25,000.00 - 99,999.99 1.00% 1.00%
100,000.00 - 999,999.99 1.40% 1.41%
1,000,000.00 and Greater 1.47% 1.48%
Super Kids Savings
0.01 - 2,499.99 None 0.25% 0.25%
2,500.00 - 24,999.99 0.85% 0.85%
25,000.00 - 99,999.99 1.00% 1.00%
100,000.00 - 999,999.99 1.40% 1.41%
1,000,000.00 and Greater 1.47% 1.48%
Health Savings Account
0.01 - 999.99 $50 0.02% 0.02%
1,000.00 - 9,999.99 0.20% 0.20%
10,000.00 - 24,999.99 0.30% 0.30%
25,000.00 - 49,999.99 0.35% 0.35%
50,000.00 and Greater 0.35% 0.35%
Minimum Balance to Open Interest Rate Annual Percentage Yield
Three month
Qualifying Balance up to $9,999.99 $1,000 1.00% 1.00%
$10,000 - $49,999.99 2.50% 2.52%
$50,000 - $9,999,999.99 2.50% 2.52%
Six month
Qualifying Balance up to $9,999.99 $1,000 1.00% 1.00%
$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 $1,000 2.00% 2.02%
$10,000 - $49,999.99 2.75% 2.78%
$50,000 - $9,999,999.99 3.30% 3.34%
15 Month* (renews to 12 month)
15 Month Special * $10,000 4.67% 4.75%
2 year
Qualifying Balance up to $9,999.99 $1,000 2.00% 2.02%
$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 $1,000 2.00% 2.02%
$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 $5,000 3.30% 3.34%
$50,000 - $9,999,999.99 3.30% 3.34%
5 year
Qualifying Balance up to $9,999.99 $1,000 2.00% 2.02%
$10,000 - $49,999.99 2.50% 2.52%
$50,000 - $9,999,999.99 2.50% 2.52%

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CERTIFICATE OF DEPOSIT DISCLOSURE:

Rate and Annual Percentage Yield (APY) 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: 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. 

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.

*15 Month CD:  Certificate of Deposit disclosure information listed above applies to this term with the exception of the following renewal terms and features:  This certificate of deposit will automatically renew at the 12-month certificate of deposit term upon maturity. 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.

**39 Month Bump-Up CD: 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. We may change the rate at any time. Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items (for example, checks). Fees could reduce the earnings on the accounts. A penalty fee may be imposed for closure of account within 6 months of opening. Contact a bank associate for more information.