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ATTENTION: System maintenance will be performed on Wednesday, June 28th between 9:00 P.M. and 11:00 P.M. During that time connectivity to our network, SBD Online/Mobile Banking, SBD Business Online/Mobile Banking and Bankline telephone banking may be unavailable. We apologize for any inconvenience this may cause.
 
 


 
helpful-info
Access our latest rates to help you make the best decisions for your financial situation.
Certificate of Deposit
Rates Effective: September 1, 2014
Type of Account Annual Percentage Yield Interest Rate Minimum Balance to Earn Annual Percentage YieldMinimum Deposit to Open Account
Certificates of Deposit*
6 Month Liquid CD.15%.15%$50,000$50,000
3 Month.10%.10%$500$500
6 Month .15%.15%$500$500
7 Month .25%.25%$500$500
9 Month .40%.39%$500$500
12 Month .45%.44%$500$500
15 Month Bump Up+10.50%0.49%$1000$1000
18 Month 0.75%0.74%$500$500
2 Year .95%.94%$500$500
3 Year 1.30%1.28%$500$500
4 Year 1.50%1.47%$500$500
5 Year 1.70%1.67%$500$500

 Annual percentage yield assumes principal and interest remain on deposit for one year.
*Substantial penalty for early withdrawals.
Rates subject to change at any time.
Fees may reduce earnings on accounts.
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Interest is continuously compounded and credited monthly on all accounts except Holiday and Vacation clubs.
^Interest is not compounded and is paid annually on Holiday and Vacation clubs.
+Cannot be used for IRA.

1Premium rates do not apply.

Checking
Rates Effective: September 1, 2014
Type of AccountAnnual Percentage YieldInterest RateMinimum Balance to Earn Annual Percentage YieldMinimum Deposit to Open Account
Money Market Choice
$.01 to $9,999.03%.03%$.01$50
$10,000 to $49,999.05%.05%$10,000 $50
$50,000 to $99,999.05%.05%$50,000$50
$100,000 to $249,999.10%.10%$100,000 $50
$250,000 to 499,999 .15%.15%$250,000 $50
$500,000 and over.15%.15%$500,000$50
NOW Checking.05%.05%$1,000$50
Priority NOW
$1,000 to $9,999.05%.05%$1,000$50
$10,000 to $24,999.05%.05%$10,000$50
$25,000 to $49,999.10%.10%$25,000$50
$50,000 and over .10%.10%$50,000$50
Super NOW
$25,000 to $49,999.05%.05%$25,000 $1,000
$50,000 and over .10%.10%$50,000 $1,000

- Annual percentage yield assumes principal and interest remain on deposit for one year.
- Rates subject to change at any time.
- Fees may reduce earnings on accounts.
- Transfers from a money market account to another account or to third parties by check, preauthorized, automatic, or telephone transfer are limited to six per month.
- Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
- We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Rates may vary after account opening

Consumer Loan Rates
Rates Effective:
Loan TypeAPRMax LoanMax TermMax LTVPayments* based on Maximum term
Personal Unsecured15.00%5,00036 MONTHS--$173.33
Auto-New*5.99%50,00060 MONTHS100$190.97
Auto-Used 2013-20175.49%50,00036 MONTHS80$304.17
Auto-Used 2014-20176.49%50,00048 MONTHS80$237.10
Auto-Used 2015-20176.99%50,00060 MONTHS80$197.96
Boat - New 25' Maximum12.00%50,00060 MONTHS80$222.45
Boat - Used 25' Maximum12.50%50,00060 MONTHS80$224.98
Recreational Vehicle-New13.00%100,00060 MONTHS80$227.53
Recreational Vehicle-Used13.50%100,00036 MONTHS80$339.35
Collateral CD or Passbook Interest Only2.00% over100,000DEMAND95--
Passbook Installment4.00%100,00036 MONTHS95$295.24

Vehicle title, comprehensive and collision insurance coverage are required on all automobile loans. SBD must be listed as lienholder on title and loss payee on insurance.
The rates listed above are personal vehicles registered in individual names not business names.
Minimum loans are in the amount of $2,000.
Automobile purchased directly from dealer, or owned less than 1 month (Borrower must be able to present title at closing).

This information is intended for professional sources only. It does not take the place of the formal truth-in-lending Disclosures setting forth the specific terms applicable to individual transactions. All terms and conditions are subject to change without notice.
*Payment example is based on a loan amount of $10,000, except for the personal unsecured loan which is based on $5,000.

Health Savings
Rates Effective: September 1, 2014
Type of AccountAnnual Percentage YieldInterest Rate Minimum Balance to Earn Annual Percentage YieldMinimum Deposit to Open Account
Health Savings Investment Account**
$.01 to $1,4990.25%0.25%$.01$25
$1,500 to $2,4990.50%0.49%$1,500$25
$2,500 to $4,999 0.75%0.74%$2,500 $25
$5,000 to $9,9991.00%0.98%$5,000 $25
$10,000 to $49,9991.25%1.23%$10,000$25
$50,000 and over1.25%1.23%$50,000 $25

 Annual percentage yield assumes principal and interest remain on deposit for one year.
*Substantial penalty for early withdrawals.
Rates subject to change at any time.
Fees may reduce earnings on accounts.
Transfers from a money market account to another account or to third parties by check, preauthorized, automatic, or telephone transfer are limited to six per month.
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
**Individual Plan Yearly Contribution Maximum $3,350.00.
**Family Plan Yearly Contribution Maximum $6,650.00.
Interest is continuously compounded and credited monthly on all accounts except Holiday and Vacation clubs.
^Interest is not compounded and is paid annually on Holiday and Vacation clubs.
+Cannot be used for IRA.

1Premium rates do not apply.
- Rates may vary after account opening

Mortgage Rates
Rates Effective: Friday, March 18, 2016
DescriptionRateAPRPoints
3 Year Adjustable Rate 3.250% 3.809% 0.000
5 Year Adjustable Rate 3.250% 3.744% 0.000
7 Year Adjustable Rate3.500%3.806% 0.000
15 Year Fixed Rate3.250%3.557% 0.000
30 Year Fixed Rate4.000% 4.182% 0.000

Important Notices
- The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice.
-Your APR will vary based on your final loan amount, finance charges, and credit score.
- Subject to credit approval.

Savings
Rates Effective: September 1, 2014
Type of AccountAnnual Percentage Yield Interest RateMinimum Balance to Earn Annual Percentage YieldMinimum Deposit to Open Account
Holiday Club^.25%.25%$1$1
Money Market Passbook
$5.00 to $2,499 .03%.03%$5$50
$2,500 and over.05%.05%$2,500$50
Passbook Savings.03%.03%$5$10
Statement Savings .03%.03%$5$10
Vacation Club^.25%.25%$1$1

 Annual percentage yield assumes principal and interest remain on deposit for one year.
*Substantial penalty for early withdrawals.
Rates subject to change at any time.
Fees may reduce earnings on accounts.
Transfers from a money market account to another account or to third parties by check, preauthorized, automatic, or telephone transfer are limited to six per month.
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Interest is continuously compounded and credited monthly on all accounts except Holiday and Vacation clubs.
^Interest is not compounded and is paid annually on Holiday and Vacation clubs.
+Cannot be used for IRA.

1Premium rates do not apply.
- Rates may vary after account opening