Interest Rates

APY is based on daily compounding and assumes interest remains on deposit. Interest will be credited quarterly unless otherwise noted. APY is determined based on the current interest rate and minimum deposit required to open account. Withdrawal of interest will reduce earnings. There may be a penalty for early withdrawal. Fees may reduce earnings on the account.

APY is based on daily compounding and assumes interest remains on deposit. Interest will be credited quarterly unless otherwise noted. APY is determined based on the current interest rate and minimum deposit required to open account. Withdrawal of interest will reduce earnings. There may be a penalty for early withdrawal. Fees may reduce earnings on the account.

‡ Interest paid at maturity.

APY is based on daily compounding and assumes interest remains on deposit. Interest will be credited quarterly unless otherwise noted. APY is determined based on the current interest rate and minimum deposit required to open account. Withdrawal of interest will reduce earnings. There may be a penalty for early withdrawal. Fees may reduce earnings on the account.

† Interest paid quarterly and at maturity.

APY is based on daily compounding and assumes interest remains on deposit. Interest will be credited quarterly unless otherwise noted. APY is determined based on the current interest rate and minimum deposit required to open account. Withdrawal of interest will reduce earnings. There may be a penalty for early withdrawal. Fees may reduce earnings on the account.

‡ Interest paid at maturity.

*Subject to interest rate change after account is open.

APY is based on daily compounding and assumes interest remains on deposit. Interest will be credited to your account semi-annually for all savings accounts listed above except Holiday Club accounts. Interest on a Holiday Club accounts will be credited at maturity. APY is determined based on the current interest rate and minimum deposit required to open account. During any calendar month, you may not make more than six (6) withdrawals or transfers to another account of yours, or to a third-party, by means of a pre-authorized (or automatic) or telephone order or instruction, computer transfer or by check, draft, debit card, or similar order to a third-party. Electronic savings/money market withdrawal - in excess of six (6) per calendar month are subject to a charge of $5.00 per item. A schedule of fees and charges is available upon request. Fees may reduce earnings on the account. Withdrawal of interest will reduce earnings. Interest rates may change after account is opened. Fees may reduce earnings on the account.

APY is based on daily compounding and assumes interest remains on deposit. Interest will be credited to your account monthly. APY is determined based on the current interest rate and minimum deposit required to open account. Withdrawal of interest will reduce earnings. Interest rates may change after account is opened. Fees may reduce earnings on the account.

+ To earn the higher interest rate you must receive statements electronically, use monthly recurring direct deposit into the account and make 15 debit card purchases/month. Standard interest rate applies if account criteria is not met or on balances over $15,000.

++ No longer a current product offering.

APY is based on daily compounding, interest is paid monthly and assumes interest remains on deposit. APY is determined based on the current interest rate and minimum balance required to maintain in each tier. Interest rates may change after account is opened at any time. Withdrawal of interest will reduce earnings. Fees may reduce earnings on the account.

Money Market Select interest rate and the Annual Percentage Yield (APY) may change at any time. Interest will be compounded daily and credited to your account monthly. Your minimum deposit must be at least $2,500. You must maintain a minimum balance of at least $2,500 each day in order to obtain the disclosed annual percentage yield. A minimum balance fee of $10 will be imposed every cycle if the daily balance falls below $2,500 any day of the month. We use the daily balance method to calculate the interest on your account that applies a daily periodic interest rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive a credit for the deposit of non-cash items (such as checks). During any calendar month, you may not make more than six (6) withdrawals or transfers to another account of yours, or to a third-party, by means of a pre-authorized (or automatic) or telephone order or instruction, computer transfer or by check, draft, debit card, or similar order to a third-party. Electronic savings/money market withdrawal - in excess of six (6) per calendar month are subject to a charge of $5.00 per item. A supply of Money Market checks and deposit tickets will be provided by the bank at no fee. A schedule of fees and charges is available upon request. Fees may reduce earnings on the account.

Money Market Max interest rate and the Annual Percentage Yield (APY) may change at any time. Interest will be compounded daily and credited to your account monthly. Your minimum deposit must be at least $10,000. You must maintain a minimum balance of at least $10,000 each day in order to obtain the disclosed annual percentage yield. A minimum balance fee of $25 will be imposed every cycle if the daily balance falls below $10,000 any day of the month. We use the daily balance method to calculate the interest on your account that applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive a credit for the deposit of non-cash items (such as checks). During any calendar month, you may not make more than six (6) withdrawals or transfers to another account of yours, or to a third-party, by means of a pre-authorized (or automatic) or telephone order or instruction, computer transfer or by check, draft, debit card, or similar order to a third-party. Electronic savings/money market withdrawal - in excess of six (6) per calendar month are subject to a charge of $5.00 per item. A supply of Money Market checks and deposit tickets will be provided by the bank at no fee. A schedule of fees and charges is available upon request. Fees may reduce earnings on the account.

When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use CDARS^®, our bank can use the full amount of a deposit placed through CDARS^® for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending. Deposit placement through CDARS^® is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS^® satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds.

For more information please contact Badger Bank. Other terms and conditions apply.