91 Day 

0.05 

0.05 

0.20 

0.20 

182 Day 

0.05 

0.05 

0.05 

        0.45 

        0.45 

8 Month 

0.25 

0.25 

0.65 

0.65 

10 Month 

0.35 

0.35 

0.75 

0.75 

1 Year 

0.40 

0.40 

0.80 

0.80 

14 Month 

0.50 

0.50 

0.50 

0.90 

0.90 

18 Month 

0.65 

0.65 

1.05 

1.05 

24 Month 

1.05 

1.05 

1.45 

1.45 

30 Month* 

1.19 

1.19 

1.69 

1.70 

4 Year 

1.49 

1.50 

1.99 

2.00 

5 Year 

1.69 

1.70 

2.19 

2.20 

**CD Plus Rate available to new or existing checking account customers. 

Automatically revewed CDs will default to the regular rate.  

 

***30 Month CD to be offered at SNB-Iowa and SNB-South Dakota 

Step-up option after 15 months (one time rate increase as of date of customer's request) 1/2 of Principal may be withdrawn without penalty after 15 months, any subsequent withdrawals subject to penalty. Renewable-step up and no penalty on  

1/2 withdrawal after 15 months during initial term only. 

 

Penalties for Early Withdrawal:  

Term                          Penalty 

91 day or less      The greater of 7 days interest or the accured interest 

92 day to 1 year 91 days interest 

Over 1 year           182 days interest 

 

Updated: 8/27/10