Rates

Interest Rates & Annual Percentage Yields are accurate as of 5/7/2024.

For all Certificate of Deposit and IRA rates, please Contact Us at (319) 984-5635. Penalty for early withdrawal on certificates of deposit.

Checking Rates

DSBOne Rewards Checking (^)Interest RateAPY*
$0.01 to $20,0003.05%3.10%
Above $20,0000.15%0.15%
If qualifications are not met for statement cycle0.01%0.01%

Business Plus Checking (1) (2) Interest RateAPY*
Up to $49,9990.01%0.01%
$50,000 to $249,9990.05%0.05%
$250,000 and above0.05%0.05%

Money Market Rates

Money Market (1) (2) (3) Interest RateAPY*
Up to $4,9990.05%0.05%
$5,000 to $24,9990.05%0.05%
$25,000 to $49,9990.05%0.05%
$50,000 to $99,9990.25%0.25%
$100,000 to $249,9990.40%0.40%
$250,000 and above0.60%0.60%

$50.00 minimum to open account

Gold Money Market (1) (2) (3)Interest RateAPY*
$50 to $24,9990.00%0.00%
$25,000 to $99,9990.25%0.25%
$100,000 to $249,9990.50%0.50%
$250,000 to $499,9990.60%0.60%
$500,000 to $999,9990.70%0.70%
$1,000,000 and above0.80%0.80%

$50.00 minimum to open account

Savings Rates

Savings Account (1) (2)Interest RateAPY*
$50 to $99,9990.05%0.05%
$100,000 to $249,9990.05%0.05%
$250,000 and above0.05%0.05%

$50.00 minimum opening deposit

Star Saver Savings Rates

Savings Account (1) (2)Interest RateAPY*
$1 to $99,9990.05%0.05%
$100,000 to $249,9990.05%0.05%
$250,000 and above0.05%0.05%

$5.00 minimum opening deposit

Real Estate, Auto, Business & Ag Rates

Each request is unique and rates can change often. Please contact a loan officer to get your personalized rate quote!

Fees may be subject to Iowa state and local sales tax.


Sami Krueger

Personal Banker

Contact New Accounts

Annette Tegtmeier

Personal Banker

Contact New Accounts

Disclosures

(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. 
^DSBOne Requirements: Log into online banking, eStatements, 12 debit card transactions (excludes ATM withdrawals) with a minimum of $10.00 per transaction, two automatic ACH transactions (all ACH and debit card transactions must be posted by the last business day of the statement cycle). All requirements must be met by the last business day per statement cycle.
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 3.05% and APY* of 3.10%. 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 3.10% – 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 3/7/24. Limit one account per social security number. *APY = Annual Percentage Yield.