When it comes to rates, you'll find that Security National Bank is very competitive.

Deposit Rates effective 11/23/2015

Preferred Rewards Checking*

Minimum opening deposit of $50 is required for all checking accounts.

Type Interest Rate APY
Less Than $25,000 0.65% 0.65%
$25,001 and up 0.11% 0.16-0.65%**
Non-Qualifying 0.05% 0.05%

Checking and Savings Accounts

FDIC Insured. APY = Annual Percentage Yield. Rates may vary - fees could reduce earnings.


Interest on Accounts (Checking and Savings)

You must maintain the daily minimum balances listed each day of the statement cycle to obtain the disclosed annual percentage yield. Interest rates are paid on the entire balance each day at the interest rate in effect for that balance tier. We use the daily-balance-method to calculate interest payments on your account. This method applies a daily periodic rate to principal balance in your account each day. Non-cash items (e.g. checks) you deposit into your account begin to earn interest on the business day we receive credit. Your interest rate and annual percentage yield may change. Fees could reduce earnings on your account. At our discretion, we may change the interest rate on your account at any time. For current APY information, call us at (712) 277-6500. For more information on account fees or account qualifications, see the current  .

*Interest rates in the Preferred Rewards Checking account are paid using the average-daily-balance method. For more information how interest is calculated, see the Preferred Rewards Checking Disclosure. **For accounts that met the qualifications during the statement period, an interest rate of 0.65% will be paid on the entire balance with an APY of 0.65% if your average daily balance is $25,000 or less. An interest rate of .11% will be paid only for that portion of your average daily balance that is greater than $25,000. The APY for this tier will range from 0.16% to 0.65% depending on the balance in the account. This range is calculated using a hypothetical average balance of $250,000. For accounts that do not meet the account qualifications, 0.05% APY is paid on the entire average daily balance. All features of this account are subject to change at the bank’s discretion at any time. If you close your account before interest is credited, you will not receive the accrued interest.

Health Savings Account

Type Interest Rate APY
Less than $2,500 0.25% 0.25%
$2,500-$9,999 0.50% 0.50%
$10,000 and up 1.00% 1.00%


Type Interest Rate APY
Regular Statement Savings 0.05% 0.05%
S.O.S. - under $500 0.06% 0.06%
S.O.S. - ($500 and over) 0.10 0.10
MMGA Savings - ($100,000 and over) 0.14 0.14
MMGA Savings - ($40,000 - $99,000) 0.11 0.11
MMGA Savings - ($2,500 - $39,999) 0.08 0.08
MMGA Savings - ($2,499 & Below) 0.05 0.05
MMIA Commercial - ($2,500 min.) 0.05 0.05
MMGA Commercial - ($10,000 min.) Changes Daily Changes Daily


Minimum of $1000.

Type Interest Rate APY
91 Day 0.05% 0.05%
182 Day 0.05% 0.05%
8 Month 0.10% 0.10%
10 Month 0.10% 0.10%
1 Year 0.10% 0.10%
14 Month 0.10% 0.10%
18 Month 0.10% 0.10%
24 Month 0.10% 0.10%
30 Month***
0.15% 0.15%
4 Year 0.45% 0.45%
5 Year 0.99% 0.99%


Minimum of $1000.

Type Interest Rate APY
91 Day 0.10% 0.10%
182 Day 0.15% 0.15%
8 Month 0.20% 0.20%
10 Month 0.25% 0.25%
1 Year 0.30% 0.30%
14 Month 0.40% 0.40%
18 Month 0.45% 0.45%
24 Month 0.45% 0.45%
30 Month*** 0.65% 0.65%
4 Year 0.95% 0.95%
5 Year**** 1.49%* 1.50%*


Certificate of Deposits

Automatically renewed CDs will default to the regular rate.

*Denotes a change.

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

***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. 

****5 Year FLEX CD to be offered at SNB-Iowa and SNB-South Dakota. Initial Term Only - One rate modification allowed during the first year and one rate modification allowed during the last year. The rate modification or rate increase will be equal to the Bank's current 5 Year offer rate as of the date of the customer's request. $1,000 minimum deposit required. Excludes Individual Retirement Accounts. Early withdrawals subject to penalty. For consumer customers only. CD plus rate available to new or existing checking account customers. Limited time offer. 

Penalties for Early Withdrawal:

Term Penalty

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

92 day to 1 year 91 days interest

Over 1 year 182 days interest

Individual Retirement Accounts (IRAs)

Type Interest Rate APY
Variable Rate 0.45% 0.45%
Fixed Rate Same terms &
Rates Apply
as CDs
Same Terms &
Rates Apply
as CDs


Rates may change after account is opened. Effective through calendar quarter.

When it comes to rates, you'll find that Security National bank is very competitive.

Rates effective as of 11/23/2015


Type APR
Unsecured Rates as low as 8.25%
Automobiles, RVs & Boats Rates as low as 3.45%
Home Equity Line (Variable Rate) Rates as low as 4.41%
Contact a Personal Banker
for specific terms and conditions.
Personal Banking Center Main Bank - Downtown (712) 277-6601
Josh Bliven Northside Office (712) 277-6505
Laura Pratt Morningside Office (712) 277-6651
Carlos Hurtado Marketplace (712) 255-2412
Janelle Noreen Dakota Dunes (605) 232-6063
Mortgage Loans For rate information on FHA/VA and
Conventional Fixed Rate financing,
please call the Mortgage Loan Center
at (712) 277-6785

Eligibility for preferred rates is determined by many factors including credit rating, how often you have sought credit, how much and what other types of credit you have available, and how it has been used. We will also consider income level and banking relationships. No single factor will dictate the rate, but rather all the factors together will determine whether you will qualify for the preferred rate.

Rates effective as of 11/23/2015


Term Rate
U.S. Treasury Bills 30 Day 0.04
60 Day 0.05
90 Day 0.10
180 Day 0.31
U.S. Treasury Notes 2 Year 0.92
5 Year 1.70
10 Year 2.27