Certificates of Deposit
These interest rates and annual percentage yields are effective as of 5/2/2025.
A Certificate of Deposit renewing within seven days following this effective date will earn rates as stated below. A Certificate of Deposit may be redeemed without penalty during a 10-day grace period following the date of maturity. Rates may change at any time during the week for new Certificates of Deposit. You may call the Brunswick State Bank at 402-842-2435 or 1-888-393-7945 to obtain current rate information. The minimum balance to open a Certificate of Deposit is $1,000.00. Interest is calculated on the daily balance of the certificate. The Annual Percentage Yield (APY) assumes quarterly compounding of interest. Withdrawal of accumulated interest will reduce future earnings. A Certificate of Deposit is subject to an early withdrawal penalty if redeemed before maturity. These rates also apply to Individual Retirement Account certificates of deposit.
Certificates of Deposit | ||
Term | Interest Rate | APY |
3 months | .80% | .80% |
6 months | 1.10% | 1.10% |
9 months | 1.24% | 1.25% |
12 months | 1.94% | 1.95% |
18 months | 2.03% | 2.05% |
24 months | 2.13% | 2.15% |
30 months | 2.13% | 2.15% |
36 months | 2.23% | 2.25% |
48 Months | 2.33% | 2.35% |
60 Months | 2.43% | 2.45% |
NOW, Savings, and Money Market Accounts
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The minimum balance required to open a NOW Account or a Money Market account is $1,000.00.
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The minimum balance required to open a Savings account is $10.00.
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The average daily balance of a Money Market account must exceed $500.00 during a calendar month to earn any interest.
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The average daily balance of a Savings account must exceed $25.00 during a calendar month to earn any interest.
Interest is calculated on the average daily balance for non-time deposit accounts. The Annual Percentage Yield (APY) for NOW, Savings, and Money Market deposits assumes monthly compounding. Withdrawal of accumulated interest will reduce future earnings. Fees could reduce earnings. Rates are subject to change after account opening.
Interest Rates on Non-Time Deposit Accounts | ||||
Type of Account | Interest Rate for Average Daily Balance less than $40,000.00 | Interest Rate for Average Daily Balance of $40,000.00 or more | ||
Interest Rate | APY | Interest Rate | APY | |
NOW | 0.50% | 0.50% | 0.60% | 0.60% |
Savings | 0.60% | 0.60% | 0.70% | 0.70% |
Interest Rate for Average Daily Balance less than $20,000.00 (Money Market accounts only) | Interest Rate for Average Daily Balance of $20,000.00 or more (Money Market accounts only) | |||
Money Market | 0.75% | 0.75% | 0.90% | 0.90% |
IRA Savings Accounts and Health Savings Accounts
The rate on the IRA Savings Account is subject to change after account opening. The APY will be affected by interest rate changes. Fees or withdrawals could reduce earnings.
Individual Retirement Account Interest Rates (Savings) | ||
Interest Rate | APY | |
IRA Savings Account | 0.90% | 0.90% |
The minimum balance required to open a Health Savings Account is $100.00.
The rate on the Health Savings Account is subject to change after account opening. The APY will be affected by interest rate changes. Fees or withdrawals could reduce earnings.
Health Savings Account Interest Rates | ||
Interest Rate | APY | |
HSA Savings Account | 0.90% | 0.90% |
If you have questions about this account, please:
