Deposit Rates

Deposit Rates effective as of

Preferred Rewards Checking*

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

TYPE  Interest Rate APY
Less than $25,000  3.20% 3.25%
$25,001 and up   0.25%  0.55%-3.25%
Non-Qualifying  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 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.

*Account requires minimum opening balance of $50. For accounts that meet the account qualifications during the statement period, an interest rate of 3.20% will be paid on the entire balance with an Annual Percentage Yield of 3.25% if your average daily balance is $25,000 or less. An interest rate of 0.25% 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 0.55% to 3.25% 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 these qualifications, 0.05% APY is paid on the entire average daily balance and you will not receive ATM fee refunds. Rate is effective 6/14/23. 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. For more information see the Truth in Savings Disclosure for Preferred Rewards Checking.


TYPE  Interest Rate APY
Regular Statement Savings  0.10% 0.10%
Serious on Savings (S.O.S.)  - under $500  0.10% 0.10%
Serious on Savings (S.O.S.) - $500 and over  0.15% 0.15%
Money Market Gold Savings - $100,000 and over  0.20% 0.20%
Money Market Gold Savings - $40,000-$99,999  0.17% 0.17%
Money Market Gold Savings - $2,500-$39,999  0.15% 0.15%

Money Market Gold Savings - $2,499 and below

 0.10%  0.10%
Money Market Gold Plus Savings - $100,000 and over  1.98%  Range from 1.50% to 1.75%
Money Market Gold Plus Savings - Up to $100,000  1.49%  1.50%
MMIA Commercial - $2,500 minimum  0.05%  0.05%
MMGA Commercial - $10,000 minimum Changes Daily  Changes Daily

Health Savings Account

TYPE  Interest Rate APY
Less than $2,500 0.25%  0.25%
$2,500-$9,999  0.40% 0.40%
$10,000 and up  0.50% 0.50%

Certificates of Deposit (CDs)

Minimum of $1000.

91 Day 0.10% 0.10%
182 Day 0.30% 0.30%
8 Month 0.30% 0.30%
10 Month 4.99% 5.00%
12 Month 0.40% 0.40%
14 Month  Apply Now 1.00% 1.00%
18 Month 1.00% 1.00%
22 Month  Apply Now  3.81% 3.85%
24 Month 0.75% 0.75%
30 Month***  Apply Now 1.84% 1.85%
33 Month 0.80% 0.80%
36 Month 0.90% 0.90%
48 Month 1.00% 1.00%
60 Month**** 1.10% 1.10%


Certificate(s) of Deposit

***30 Month CD to be offered at Security National Bank. 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.

****60 Month FLEX CD to be offered at Security National Bank. 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.

Interest begins to accrue on the business day you deposit non-cash items (e.g. checks). You must maintain the minimum balance designated for each term in the account each day to obtain the disclosed annual percentage yield. Simple interest is compounded and credited semiannually for terms of one year or longer. For terms of less than one year -- simple interest is compounded and paid at maturity. The interest rate will be paid until the maturity date of your fixed rate certificate. Your account will automatically renew at maturity. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

The CD will continue to renew for additional terms each equal to the original term until the bank receives notice from you that you no longer wish to renew the account. The interest rate of the renewed CD will be equal to the bank's current published CD rate for the corresponding term as of the renewal date.

After the account is opened, you may not make deposits into or withdrawals from the account until the maturity date. The annual percentage yield assumes that interest will remain on deposit until maturity. A withdrawal will reduce earnings. For current annual percentage yield information, contact us at (712) 277-6500.

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)

Variable Rate 3.47% 3.50%
 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.