1902 Hill Ave • Spirit Lake, IA 51360 • 712.336.2455
101 N State Street • Terril, IA 51364 • 712.853.6200
Mortgage Loans
- Apply for a mortgage anytime and anywhere.
- Save your application to complete at a later time.
Apply Now
Personal Accounts
Freedom Checking
- No minimum balance
- First pad of checks FREE
- $25.00 opening deposit
- Unlimited check writing per statement cycle
- Order checks from Deluxe®
Regular Checking
- $400.00 minimum balance to avoid fees
- Free ATM/Debit card withdrawals at our ATM locations
- Waived service charge for retired account holders
- Unlimited check writing per statement cycle
- Order checks from Deluxe®
NOW Checking
- $750.00 minimum balance to avoid fees
- Variable rate compounded daily and paid monthly
- Waived service charge for retired account holders
- Unlimited check writing per statement cycle
- Order checks from Deluxe®
Navigator Checking
- $15,000.00 minimum balance to avoid fees
- FREE ATM/Debit card withdrawals at ALL locations
- FREE debit card
- Variable rate compounded daily and paid monthly
- Unlimited check writing per statement cycle
- Order checks from Deluxe®
Savings
- $5.00 opening deposit
- Variable rate compounded daily and paid quarterly
- Monthly statement if EFT activity, otherwise quarterly
Health Savings Accounts
- Tax advantaged savings account used for medical expenses
- $50.00 opening deposit
- First 25 checks FREE
- Variable rate compounded daily and paid monthly
Money Fund
- $1,000.00 opening deposit
- Variable rate compounded daily and paid monthly. Rate increases with higher balances.
- Maximum of 6 preauthorized transfers
- Monthly Statement
Time Certificates
Retirement Accounts
- $25.00 opening deposit
- Traditional IRA, Roth IRA, Simple IRA
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Business Accounts
Business Analysis Checking
- Standard Business Activity Account
- $0.10 per foreign item deposited. $0.15 transaction charge per debit
- 2.0% periodic earnings credit applied to reduce or eliminate fees. (Rate subject to change)
- Monthly Statement
Small Business Checking
- Business Account with fewer items processed
- $5.00 per statement. $0.10 per debit over 15
- Monthly Statement
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