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Odin State Bank Deposit Rates
This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.
Rates accurate as of 12/19/2024
SPECIAL! 18 MONTH IRA CD RATE = 2.55% APY 2.57% $500.00 Minimum *See Below
SPECIAL! 18 MONTH CD RATE = 3.85% APY 3.89% $2,500.00 Minimum **See Below
| Account Type |
Minimum Opening Balance |
Minimum Balance to Obtain APY |
Interest Rate |
APY |
| 91 Day Certificate |
$2500 |
$2500 |
0.35% |
0.35% |
| 182 Day Certificate-Tier 1 |
$500 |
$500 |
0.75% |
0.75% |
| 182 Day Certificate-Tier 2 |
$10000 |
$10000 |
1.25% |
1.25% |
| One Year Certificate-Tier 1 |
$500 |
$500 |
1.25% |
1.25% |
| One Year Certificate-Tier 2 |
$10000 |
$10000 |
4.05% |
4.09% |
| Two Year Certificate-Tier 1 |
$500 |
$500 |
1.25% |
1.25% |
| Two Year Certificate-Tier 2 |
$10000 |
$10000 |
1.75% |
1.76% |
| Three Year Certificate-Tier 1 |
$500 |
$500 |
1.75% |
1.76% |
| Three Year Certificate-Tier 2 |
$10000 |
$10000 |
2.25% |
2.26% |
| Four Year Certificate-Tier 1 |
$500 |
$500 |
2.25% |
2.26% |
| Four Year Certificate-Tier 2 |
$10000 |
$10000 |
2.75% |
2.77% |
IRA/KEOGH Accounts
Three Year Certificate |
$500 |
$500 |
2.55% |
2.57% |
| *Special 18 Month IRA CD |
$500 |
$500 |
2.55% |
2.57% |
ODIN STATE BANK CERTIFICATE SPECIALS
SEVEN (7) MONTH - $2,500 Minimum Rate = 4.20% APY = 4.28%
TWELVE (12) MONTH- $10,000 Minimum Rate = 4.05% APY=4.09%
FIFTEEN (15) MONTH-$10,000 Minimum Rate= 1.50% APY=1.51%
EIGHTEEN (18) MONTH - $2,500 Minimum Rate = 3.85% APY= 3.89%
THIRTY (30) MONTH - $2,500 Minimum Rate = 2.25% APY = 2.26%
EARLY WITHDRAWAL PENALTIES
Deposits of 91 days to one year - 30 days interest
Deposits of more than one year - 90 days interest.
| Account Type |
Minimum Opening Balance |
Minimum Balance to Obtain APY |
Interest Rate |
APY |
| Money Market Account-Over |
$2500 |
$2500 |
0.50% |
0.50% |
| Money Market Account-Under |
$2500 |
$100 |
0.25% |
0.25% |
| N.O.W. Checking |
$1000 |
$10 |
0.10% |
0.10% |
| Regular Savings |
$10 |
$10 |
0.40% |
0.40% |
"Rates may change after account is opened. Fees could reduce earnings."
For Further information on fees and terms, please contact us to speak to a bank employee.
PREMIUM MONEY MARKET ACCOUNT
This account is designed for larger depositors. It offers higher interest rates than our regular savings and money market accounts for larger deposits. Rates effective as of December 19, 2024 are as follows:
| Account Type |
Minimum Opening Balance |
Balance Needed to Obtain APY |
Interest Rate |
APY |
| Money Market Account-Tier 1 |
$2,500.00 |
$2,500.00 to $25,000.00 |
.45% |
.45% |
| Money Market Account-Tier 2 |
$2,500.00 |
$25,000.01 to $50,000.00 |
.65% |
.65% |
| Money Market Account-Tier 3 |
$2,500.00 |
$50,000.01 to $100,000.00 |
1.10% |
1.11% |
| Money Market Account-Tier 4 |
$2,500.00 |
$100,000.01 to $250,000.00 |
1.700% |
1.71% |
| Money Market Account-Tier 5 |
$2,500.00 |
$250,000.01 and over |
2.40% |
2.43% |
Interest calculated using daily balance method and paid and compounded monthly.
Bank will provide starter kit of 50 free checks to all new account openings.
"Rates may change after account is opened."