Deposit Rates

Annual percentage yields are accurate as of: February 1, 2019

Checking Accounts

Ulitmate Checking
Daily Balance Tier* Interest Rate APY
$0 to $24,999.99 0.20% 0.20%
$25,000 to $99,999.99 0.25% 0.25%
$100,000 to $249,999.99 0.30% 0.30%
$250,000 or more 0.35% 0.35%

Easy Checking Plus & Classic 50 Checking
Daily Balance Tier* Interest Rate APY
$1,000 or more 0.15% 0.15%

Community Checking
Daily Balance Tier* Interest Rate APY
$0 to $24,999.99 0.15% 0.15%
$25,000 to $99,999.99 0.20% 0.20%
$100,000 to $249,999.99 0.25% 0.25%
$250,000 or more 0.30% 0.30%

Lawyer and Real Estate Trust Account
Account Type Interest Rate APY
COLTAF 0.35% 0.35%
IOLTA (Wyoming) 0.25% 0.25%
IOLTA (Kansas) 0.10% 0.10%
CARHOF 0.10% 0.10%

Savings Accounts

Money Management (Personal, Business & IRA Variable)
Daily Balance Tier* Interest Rate APY
$0 to $24,999.99 0.40% 0.40%
$25,000 to $99,999.99 0.50% 0.50%
$100,000 to $249,999.99 0.60% 0.60%
$250,000 to $999,999.99 0.65% 0.65%
$1,000,000 to $4,999,999.99 0.75% 0.75%
$5,000,000 or more 0.80% 0.80%

Personal Savings, Business Savings, Spare-Change Savings & Youth Savings
Daily Balance Tier* Interest Rate APY
$0 or more 0.15% 0.15%

Specialty Savings Accounts

Health Savings Account
Daily Balance Tier* Interest Rate APY
$100 to $999.99 0.05% 0.05%
$1,000 to $2,499.99 0.05% 0.05%
$2,500 to $9,999.99 0.05% 0.05%
$10,000 or more 0.10% 0.10%

Certificates of Deposit

Relationship Rate Standard Rate
90 Day Interest Rate APY Interest Rate APY
$1,000 to $9,999.99 0.65% 0.65% 0.55% 0.55%
$10,000 or more 0.65% 0.65% 0.55% 0.55%
180 Day
$1,000 to $9,999.99 0.80% 0.80% 0.70% 0.70%
$10,000 or more 0.85% 0.85% 0.75% 0.75%
12 Month
$1,000 to $9,999.99 1.19% 1.20% 1.10% 1.10%
$10,000 or more 1.34% 1.35% 1.24% 1.25%
24 Month
$1,000 to $9,999.99 1.29% 1.30% 1.19% 1.20%
$10,000 or more 1.49% 1.50% 1.39% 1.40%
36 Month
$1,000 to $9,999.99 1.44% 1.45% 1.34% 1.35%
$10,000 or more 1.64% 1.65% 1.44% 1.45%
48 Month
$1,000 to $9,999.99 1.59% 1.60% 1.49% 1.50%
$10,000 or more 1.79% 1.80% 1.59% 1.60%
60 Month
$1,000 to $9,999.99 1.94% 1.95% 1.84% 1.85%
$10,000 or more 1.99% 2.00% 1.89% 1.90%

*APY is subject to change without notice. The Interest Rate and Annual Percentage Yield may change after account opening. Fees could reduce the earnings on the account. The daily balance tier noted includes the minimum balance to obtain the interest rate and APY to be paid on the entire collected balance in your account. Ultimate Checking: Minimum deposit to open is $100. Minimum balance of $5,000 required to avoid $20 monthly service fee. Easy Checking Plus: Minimum deposit to open is $100. Minimum balance of $1,000 required to avoid $12 monthly service fee. Classic 50 Checking: Minimum deposit to open is $100. No monthly service fee. Money Management: Minimum deposit to open is $100. Minimum balance of $1,000 required to avoid $10 monthly service fee. Personal Savings: Minimum deposit to open is $100. Minimum balance of $100 required to avoid $3 monthly service fee. Business Savings: Minimum deposit to open is $100. Minimum balance of $100 required to avoid $5 monthly service fee. Spare-Change Savings: Minimum deposit to open is $25. No monthly service fee. Must be attached to a personal checking account with debit card. If the debit card auto-transfer feature is cancelled, the account will convert to Personal Savings Account with balance requirements and fees. Youth Savings: Minimum deposit to open is $0. No monthly service fee. Health Savings Accounts: Minimum deposit to open and earn interest is $100. $3 monthly service fee. Certificates of Deposit: Relationship rate requires another ANB Account (checking, savings or money market) for these Annual Percentage Yields (APYs). For personal and business CDs and IRAs, minimum opening deposit is $1,000. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.

Click here for a downloadable version of the Deposit Rate Sheet.