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APY=Annual Percentage Yield.

APR=Annual Percentage Rate.




Consumer Deposit Rates

Rates effective as of June 20, 2017.


Certificates of Deposit (CDs) 2,4


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Term
Rate
APY
Minimum Balance
Penalty
7 - 31 Day0.15%0.15%$10,0007 Days
3 Month0.30%0.30%$2,50091 days
6 Month0.40%0.40%$1,00091 days
11 Month1.10%1.10%$500270 days
12 Month1.00%1.00%$500365 days
18 Month1.10%1.10%$500365 days
24 Month1.10%1.10%$500365 days
30 Month1.25%1..25%$500365 days
36 Month1.30%1.30%$500365 days
48 Month1.55%1.56%$500365 days
60 Month2.00%2.01%$500365 days


Now2


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Rate
APY
Minimum
Balance
Penalty
0.15%0.15%$1,000$5.00


Prime Rewards (Monthly)1


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 Tier

Rate

APY

Minimum
Balance

$1 - $10,000

2.96%

3.0%

$25

$10,000 +

0.31% - 2.96%

0.31% - 3.0%

N/A

All Balances (If requirements are not met.)

0.10%

0.10%

N/A



Money Market Plus (Monthly) 3,5

 

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Tier
Rate
APY
Minimum
Balance
Penalty
$0 - $24,9990.15%0.15%$1,000$5.00
$25,000 - $99,9990.20%0.20%N/AN/A
$100,000 - $499,9990.30%0.30%N/AN/A
$500,000 +0.45%0.45%N/AN/A


Health Savings Account (Monthly)3,5


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Tier
Rate
APY
$1 - $4,9990.20%0.20%
$5,000 - $9,9990.30%0.30%
$10,000 +0.50% 0.50%


Personal Savings (Quarterly) 3,5


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Tier

Rate

APY

Minimum
Balance
Penalty

$1 - $4,9990.15%0.15%$25.00$3.00 fee if balance below $25
$5,000 - $24,9990.20%0.20%N/AN/A
$25,000 - $99,9990.25%0.25%N/AN/A
$100,000 + Balance0.37%0.37%N/AN/A


Christmas Club Account (Annually)3

  

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Rate
APY
Minimum Balance
Penalty
0.60%0.60%$2 min/$10,000 maxN/A

  

Individual Retirement Accounts (IRA)


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Rate
APY
0.45%0.45%

 

1 APY=Annual Percentage Yield. APYs accurate as of 11/15/2016. Rates may change after account is opened. Fees could reduce the earnings on the account. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $30 and credited to account on the last day of monthly statement cycle; (2) balances $1 up to $10,000 receive APY of 3.0 %; and (3) balances over $10,000 earn 0.31% interest rate on portion of balance over $10,000, resulting in 3.0% - 0.31% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. **ATM receipt must be presented for reimbursement of an individual ATM fee of $4.99 or higher.To earn your rewards, simply do the following activities and transactions in Prime Rewards Checking each monthly qualification cycle: Have at least 10 POS debit card transactions post and settle (excluding ATM transactions), Receive a monthly Electronic Statement (must have a valid e-mail address), and Access Online Banking at least one time per qualification cycle (www.dieterichbank.com).

2 We are not accepting financial institution's deposits at this time.
3 Rates may change after account is opened.
4 A penalty will or may be imposed for early withdrawal.

 

 Commercial Deposit Rates

Rates effective as of June 20, 2017.



Business Checking 5


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Rate
Minimum Balance
Monthly Fee
Minimum Balance Penalty
N/A
N/AN/AN/A


Business Interest Checking 1,3,6


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Rate
Minimum Balance
Monthly Fee
Minimum Balance Penalty
.15%
$2,500
$10$10


Business Sweep Repurchase 1,4


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Tier

Rate

Minimum
Balance
Minimum
Balance Penalty
Monthly Fee

$0 - $24,9990.10%N/AN/A$45
$25,000 - $99,9990.15%N/AN/A$45
$100,000 - $499,9990.20%N/AN/A$45
$500,000 + Balance0.25%N/AN/A$45


Business Money Market 1,7,8


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Tier

Rate

Minimum Balance
Minimum
Balance Penalty
Monthly Fee

$0 - $24,9990.15%$1,000$5N/A
$25,000 - $99,9990.20%$1,000$5N/A
$100,000 - $499,9990.30%$1,000$5N/A
$500,000 + Balance0.45%$1,000$5N/A


Business Savings (Quarterly) 2,3,5


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Tier

Rate

APY

Minimum
Balance
Penalty

$0 - $4,9990.15%0.15%$100.00$3.00 fee if balance below $100
$5,000 - $24,9990.20%0.20%N/AN/A
$25,000 - $99,9990.25%0.25%N/AN/A
$100,000 + Balance0.37%N/AN/AN/A

1. Interest credited monthly.

2. Interest credited quarterly.

3. A maximum of $10 account maintenance fee will be assessed monthly.

4. A maximum of $45 account maintenance fee will be assessed monthly.

5. $100 minimum to open. $0.15 fee charged for every paid check, checks

deposited (excluding on-us checks) and deposit tickets over 300.

6. $0.15 fee charged for every paid check, checks deposited (excluding on-us checks) and deposit tickets over 600.

7. Debit transactions that are pre-authorized, automatic, telephone, computer, check, or similar order to the third parties are limited to (6) items per calendar month and a fee of $10 for each item over 6 debit items will be assessed.

8. A minimum balance penalty will be assessed if daily balance falls below minimum daily balance.

*fees could reduce earnings on the account.



Mortgage Rates

Rates effective as of June 23, 2017.



Mortgage Rates


Type
Rate
APR
Monthly Payment
15 - Year Fixed3.125%3.269%$696.61
20 - Year Fixed3.500%3.613%$579.96
30 - Year Fixed3.875%3.957%$470.24
    

Please note that the interest rates listed on the homepage and on this disclosure page are available to qualified borrowers only and are subject to change at any time without notice. APR is based on a $100,000 mortgage loan with a 20% down payment.

Example: $100,000 Mortgage Loan (20% down payment)