Rates and Fees

At Seiling State Bank we want to be transparent when it comes to our rates and fees.
Checking Accounts
Account NamesBalance TiersInterest RateAPY*
Savings Account Over $100 0.50% 0.50%
NOW Account $500 to $99,999 0.10% 0.10%
Over $100,000 0.25% 0.25%
Super NOW Account $2,500 to $9,999 0.10% 0.10%
$10,000 to $99,999 0.20% 0.20%
Over $100,000 0.40% 0.40%
Money Market Account $2,500 to $9,999 0.10% 0.10%
$10,000 to $99,999 0.35% 0.35%
Over $100,000 0.50% 0.50%

Fees may reduce earnings on these accounts. Rates may change after the account is opened, and are subject to change without notice.
*APY = Annual Percentage Yield

 

CDs & IRAs
AmountBalance TiersInterest RateAPY*
$1,000 - $99,999

91 Days

 2.00% 2.02%
6 Months 3.25% 3.30%
12 Months 3.50% 3.56%
15 Months 3.00% 3.04%
18 Months 2.75% 2.78%
Over $100,000 6 Months 3.35% 3.40%
12 Months 3.60% 3.66%
15 Months 3.10% 3.14%
18 Months 2.85% 2.89%

Minimum Balance to open $1,000.00. Rates are subject to change without notice.

*APY = Annual Percentage Yield - Calculated on a monthly compounding basis for terms equal to or greater than 12 months and simple for lesser terms.

***An early withdrawal penalty may be imposed. Early withdrawal fees could result in a reduction in earnings and/or principal.

Consult an employee for additional information.
Current Fees
ServiceCharges/Fees
All Accounts
Temporary Checks (10 Checks) $1.00
Deposited Checks (and other items) Returned Unpaid $1.00
Dormant Account Fee (12 months of inactivity for 12 months) $5.00
Overdraft (each debit or check paid) $25.00
Stop Payments (all items) $25.00
Accounts closed within 90 days of opening $5.00
Photocopies (per page) $0.20
Account Research (per hour) $10.00
Charge for ATM Replacement Card $10.00
Foreign ATM transaction fee $1.00
Temporary Debit Card Issue fee $10.00
Budget Checking Account
Monthly Service Charge $1.00
Per Item Fee in Excess of 10/month $0.25
Regular Checking Account
Monthly Service Charge $3.00
NOW Checking Account
Monthly Service Charge if Average Balance Below $500 $5.00
Super NOW Checking Account
Monthly Service Charge if Average Balance Below $500 $5.00
Money Market Accounts
Monthly Service Charge if Average Balance Below $500 $5.00
Per Item Fee in Excess of 3 Qualifying Withdrawals Per Month $5.00
Savings Account
Per Item Fee in Excess of 6 Qualifying Withdrawals Per Month $5.00
Quarterly Service Charge if Average Balance Below $100 $2.00

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