Deposit Rates :: Denver Savings Bank

Rates effective as of November 1, 2019

RATE QUICK LINKS:

7 Month CD Special
Minimum	Interest Rate	APY*
$1,000	1.69	1.70
$100,000	1.79	1.80
15 Month CD Special
Minimum	Interest Rate	APY*
$1,000	1.74	1.75
$100,000	1.84	1.85
36 Month Bump-up CD Special
Minimum	Interest Rate	APY*
$1,000	1.89	1.90
$100,000	1.99	2.00

Certificates of Deposit	Interest Rate	APY*
$1,000 to $9,999.99
6 Month	0.15%	0.15%
12 Month	0.30%	0.30%
24 Month	0.65%	0.65%
36 Month	0.70%	0.70%
48 Month	1.05%	1.05%
$10,000 and above
6 Month	0.25%	0.25%
12 Month	0.40%	0.40%
24 Month	0.75%	0.75%
36 Month	0.80%	0.80%
48 Month	1.15%	1.15%

IRA	Interest Rate	APY*
Under $10,000	0.85%	0.85%
$10,000 and above	0.95%	0.95%

Savings ^{($50 minimum)}	Interest Rate	APY*
Savings Account (1) (2)
$1 to $99,999	0.10%	0.10%
$100,000 to $249,999	0.40%	0.40%
$250,000 and above	0.60%	0.60%

Checking	Interest Rate	APY*
DSBOne ^
$0.01 to $20,000	3.05%	3.10%
Above $20,000	0.15%	0.15%
If qualifications are not met for statement cycle	0.01%	0.01%
WOW Checking (1) (2) (3)
Up to $9,999	0.05%	0.05%
$10,000 to $24,999	0.10%	0.10%
$25,000 and above	0.15%	0.15%
Business Plus (1) (2)
Up to $49,999	0.10%	0.10%
$50,000 to $249,999	0.20%	0.20%
$250,000 and above	0.65%	0.65%

Money Market ($50 minimum)	Interest Rate	APY*
Money Market (1) (2) (3)
Up to $4,999	0.10%	0.10%
$5,000 to $24,999	0.20%	0.20%
$25,000 to $49,999	0.30%	0.30%
$50,000 to $99,999	0.40%	0.40%
$100,000 to $249,999	0.50%	0.50%
$250,000 and above	0.60%	0.60%
Gold Money Market (1) (2) (3)
$0 to $24,999	0.00%	0.00%
$25,000 to $99,999	0.90%	0.90%
$100,000 to $249,999	1.04%	1.05%
$250,000 to $499,999	1.19%	1.20%
$500,000 to $999,999	1.39%	1.40%
$1,000,000 and above	1.98%	2.00%

(Rates subject to immediate change)
*APY = Annual Percentage Yield
(1) Variable Rate Account. The rate may change after the account is opened.
(2) Fees could reduce earnings.
(3) Fees charged on balances below $500.

^ Provided that all monthly requirements are met: If the daily balance is $.01-$20,000.00 the interest rate paid on that portion of the balance would be 3.34% and APY* of 3.40%. If the daily balance is greater than $20,000.00 the interest rate paid on that portion of the balance would be 0.15% with an APY* range of 3.40% – 0.15%. Any accounts that do not meet all monthly requirements will have a rate of 0.01% and APY* of 0.01%. Interest is compounded daily and credited monthly. Posted ATM fees will be refunded up to $10.00 per statement cycle, if qualifications are met. If you close your account before interest is credited, you will not receive accrued interest. Rates and APY* are variable and may change daily. Fees may reduce earnings. $50 minimum to open account. APY is accurate as of 8/27/2018. Limit one account per household. Accounts available only for the Bank’s trade area. Click here for requirements.

Penalty for early withdrawal on certificates of deposit.
Call our office (319) 984-5635 for more information.