Deposit Rates

Annual percentage yields are accurate as of: December 1, 2018

Certificates of Deposit

Personal & Business - Minimum Opening Deposit - $1,000 (CDs also Include Personal IRAs)
Relationship Rate (1) Standard Rate
Interest Rate Annual Percentage Yield Interest Rate Annual Percentage Yield
90 Day CD (4)
$1,000 minimum balance to obtain APY 0.65% 0.65% 0.55% 0.55%
$10,000 minimum balance to obtain APY 0.65% 0.65% 0.55% 0.55%
180 Day CD (4)
$1,000 minimum balance to obtain APY 0.80% 0.80% 0.70% 0.70%
$10,000 minimum balance to obtain APY 0.85% 0.85% 0.75% 0.75%
12 Month CD (4)
$1,000 minimum balance to obtain APY 1.19% 1.20% 1.10% 1.10%
$10,000 minimum balance to obtain APY 1.34% 1.35% 1.24% 1.25%
24 Month CD (2) (4)
$1,000 minimum balance to obtain APY 1.29% 1.30% 1.19% 1.20%
$10,000 minimum balance to obtain APY 1.49% 1.50% 1.39% 1.40%
36 Month CD (2) (4)
$1,000 minimum balance to obtain APY 1.44% 1.45% 1.34% 1.35%
$10,000 minimum balance to obtain APY 1.64% 1.65% 1.44% 1.45%
48 Month CD (2) (4)
$1,000 minimum balance to obtain APY 1.59% 1.60% 1.49% 1.50%
$10,000 minimum balance to obtain APY 1.79% 1.80% 1.59% 1.60%
60 Month CD (2) (4)
$1,000 minimum balance to obtain APY 1.94% 1.95% 1.84% 1.85%
$10,000 minimum balance to obtain APY 1.99% 2.00% 1.89% 1.90%

Specialty Savings Accounts

Rates
Interest Rate Annual Percentage Yield
Health Savings Account (3)
$100 minimum balance to obtain APY
If the daily balance in your account is equal to but no more than each balance tier noted, the Annual Percentage Yield paid on the entire collected balance in your account will be:
Daily balance is equal to $100 but no more than $999.99 0.05% 0.05%
Daily balance is equal to $1,000 but no more than $2,499.99 0.05% 0.05%
Daily balance is equal to $2500 but no more than $9,999.99 0.05% 0.05%
Daily balance is equal to $10,000 or more 0.10% 0.10%

Checking and Savings Accounts

Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate Annual Percentage Yield
EasyChecking Plus (3) $100 $1,000 0.15% 0.15%
Classic50 Checking (3) $100 $1,000 0.15% 0.15%
Ultimate Checking (3) $100 *
If the daily balance in your account is equal to but no more than this tier (*), the Interest Rate and Annual Percentage Yield paid on the entire collected balance in your account will be:
(*)Daily balance is equal to $0 but no more than $24,999.99 0.20% 0.20%
(*)Daily balance is equal to $25,000 but no more than $99,999.99 0.25% 0.25%
(*)Daily balance is equal to $100,000 but no more than $249,999.99 0.30% 0.30%
(*)Daily balance is equal to $250,000 or more 0.35% 0.35%
Community Checking (3) $25 *
If the daily balance in your account is equal to but no more than this tier (*), the Interest Rate and Annual Percentage Yield paid on the entire collected balance in your account will be:
(*)Daily balance is equal to $0 but no more than $24,999.99 0.15% 0.15%
(*)Daily balance is equal to $25,000 but no more than $99,999.99 0.20% 0.20%
(*)Daily balance is equal to $100,000 but no more than $249,999.99 0.25% 0.25%
(*)Daily balance is equal to $250,000 or more 0.30% 0.30%
Business NOW (For COLTAF, IOLTA and CARHOF Accounts) (3)
COLTAF $25 $1,000 0.35% 0.35%
IOLTA (WY) $25 $1,000 0.25% 0.25%
IOLTA (KS) $25 $1,000 0.10% 0.10%
CARHOF $25 $1,000 0.10% 0.10%
Money Management (Personal, Business & IRA Variable) (3) $100 *
If the daily balance in your account is equal to but no more than this tier (*), the Interest Rate and Annual Percentage Yield paid on the entire collected balance in your account will be:
(*)Daily balance is equal to $0 but no more than $24,999.99 0.40% 0.40%
(*)Daily balance is equal to $25,000 but no more than $99,999.99 0.50% 0.50%
(*)Daily balance is equal to $100,000 but no more than $249,999.99 0.60% 0.60%
(*)Daily balance is equal to $250,000 but no more than $999,999.99 0.65% 0.65%
(*)Daily balance is equal to $1,000,000 but no more than $4,999,999.99 0.75% 0.75%
(*)Daily balance is equal to $5,000,000 or more 0.80% 0.80%
Personal and Business Savings (3) $100 n/a 0.15% 0.15%
Spare-Change Savings (Personal Only) (3) (5) (6) $25 n/a 0.15% 0.15%
Youth Savings (3) n/a n/a 0.15% 0.15%
(1) Must have another ANB Account (checking, savings or money market) for these Annual Percentage Yields (APYs)
(2) Maturities greater than one year pay interest at least annually
(3) The Interest Rate and Annual Percentage Yield may change after account opening
(4) A penalty may be imposed for early withdrawal
(5) Must be attached to a personal checking account with Debit Card function
(6) If Debit Card auto transfer feature is canceled, the account will convert to Regular Savings Account with balance requirements and fees

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