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GREAT RATES

For Personal and Business Accounts

For rates on products not listed, call us in Washington County at (435) 673-1150 or toll free at (800) 815-BANK (2265), you can also visit one of our 25 locations.

Checking Accountsa:

MyRate Checking®b, d    Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Up to $25,000.00 (when qualification requirements are met) none $100 1.98% 2.0%
Above $25,000.00 (when qualification requirements are met) none $100 0.49% 2.0% to 0.50%e
If qualification requirements are not met (entire balance) none $100 0.10% 0.10%
CheckSmart™ Senior Plus Checkingb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Less than $20,000 $1,500 $1,500 0.15% 0.15%
$20,000 to $99,999.99 $1,500 $1,500 0.30% 0.30%
$100,000 to $249,999.99 $1,500 $1,500 0.35% 0.35%
$250,000 to $499,999.99 $1,500 $1,500 0.40% 0.40%
$500,000 to $999,999.99 $1,500 $1,500 0.45% 0.45%
$1 million and above $1,500 $1,500 0.50% 0.50%
CheckSmart Money Marketb    Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Less than $20,000 $1,000 $1,000 0.25% 0.25%
$20,000 to $99,999.99 $1,000 $1,000 0.30% 0.30%
$100,000 to $249,999.99 $1,000 $1,000 0.40% 0.40%
$250,000 to $499,999.99 $1,000 $1,000 0.50% 0.50%
$500,000 to $999,999.99 $1,000 $1,000 0.75% 0.75%
$1 million and above $1,000 $1,000 0.99% 1.00%
BizSmart Money Marketb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Yield
Less than $20,000 $1,000 $1,000 0.25%
$20,000 to $99,999.99 $1,000 $1,000 0.30%
$100,000 to $249,999.99 $1,000 $1,000 0.40%
$250,000 to $499,999.99 $1,000 $1,000 0.50%
$500,000 to $999,999.99 $1,000 $1,000 0.75%
$1 million and above $1,000 $1,000 1.00%
BizSmart Interest Checkingb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Yield
Less than $20,000 $3,000c $3,000 0.05%
$20,000 to $99,999.99 $3,000c $3,000 0.10%
$100,000 to $249,999.99 $3,000c $3,000 0.25%
$250,000 to $499,999.99 $3,000c $3,000 0.30%
$500,000 to $999,999.99 $3,000c $3,000 0.35%
$1 million and above $3,000c $3,000 0.40%

Savings, CDs and IRAsa:

Statement Savingsb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Less than $20,000 $100 $100 0.10% 0.10%
$20,000 to $99,999.99 $100 $100 0.15% 0.15%
$100,000 to $249,999.99 $100 $100 0.20% 0.20%
$250,000 to $499,999.99 $100 $100 0.25% 0.25%
$500,000 to $999,999.99 $100 $100 0.30% 0.30%
$1 million and above $100 $100 0.40% 0.40%
KidSmart Savingsb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Less than $1,000 none $10 0.59% 0.60%
$1,000 and above none $10 0.10% 0.60% to 0.10%e
SaveSmart Direct® b    Apply Online Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Less than $20,000 $100 $100 0.50% 0.50%
$20,000 to $99,999.99 $100 $100 0.50% 0.50%
$100,000 to $249,999.99 $100 $100 0.55% 0.55%
$250,000 to $499,999.99 $100 $100 0.65% 0.65%
$500,000 to $999,999.99 $100 $100 0.85% 0.85%
$1 million and above $100 $100 1.09% 1.10%
BizSmartSavings Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Yield
Less than $20,000 $100 $100 0.10%
$20,000 to $99,999.99 $100 $100 0.15%
$100,000 to $249,999.99 $100 $100 0.20%
$250,000 to $499,999.99 $100 $100 0.25%
$500,000 to $999,999.99 $100 $100 0.30%
$1 million and above $100 $100 0.40%
APYs for Certificates of Deposit (CDs) and Individual Retirement Arrangements (IRAs)a, f, g Less than $20,000 $20,000 to $99,999.99 $100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 to $999,999.99 $1 million and above
3 Month CD 0.45% 0.50% 0.55% 0.60% 0.70% 1.00%
6 Month CD 0.70% 0.85% 0.95% 1.05% 1.15% 1.30%
12 Month CD/IRA 1.20% 1.30% 1.50% 1.60% 1.80% 2.15%
12 Month Flex CDg 1.10% 1.20% 1.40% 1.50% 1.70% 2.05%
18 Month CD 1.45% 1.55% 1.65% 1.75% 2.00% 2.30%
18 Month Variable IRAb, h, i 0.40% 0.45% 0.50% 0.55% 0.60% 1.00%
24 Month CD/IRA 1.50% 1.60% 1.80% 1.90% 2.15% 2.50%
36 Month CD 1.60% 1.70% 1.85% 2.10% 2.35% 2.75%
48 Month CD 1.80% 1.90% 2.00% 2.30% 2.50% 3.00%
60 Month CD/IRA 2.00% 2.15% 2.25% 2.50% 2.75% 3.25%
72 Month CD/IRA 2.00% 2.15% 2.25% 2.50% 2.75% 3.25%

Please contact us for additional product and rate information.
+ Personal Savings
+ Business Savings Accounts

Annual Percentage Yields (APYs) are effective as of 9/21/2018, and are subject to change without notice.

a Fees may reduce the APY earned on an account.

b For variable-rate products, the interest rate and APY may change after account is opened.

c Minimum daily balance to avoid a fee is $3,000.00; but if the account maintains a $6,000.00 average monthly balance, then the below-minimum-balance fee will be waived.

d To qualify for the higher rate with your MyRate Checking account: enroll in eStatements, log in to online banking at least once every 180 days, conduct at least one ACH transaction each calendar month and use your VISA debit card at least 12 times per calendar month for POS transactions that are at least $3 each. Transactions must post and clear by the last day of the calendar month to qualify for the higher interest rate and nationwide ATM-fee refunds up to $15 per calendar month.

e Depending on the balance in the account. Higher balances will produce lower APYs.

f A penalty may be imposed for early withdrawal of certificates.

g All CDs except for the 18 Month Variable IRA have a minimum opening deposit of $500.

h You may make unlimited deposits to this account until maturity.

i This account has a minimum opening deposit of $10.

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