Concordia Bank & Trust Co.
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Concordia Bank & Trust Co.
Concordia Bank & Trust Co.

Rates

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Deposit Rates

RATES EFFECTIVE AS OF 11/19/19
Account Type Compound Interest Rate Annual Percentage Yield** Minimum Opening Balance
NOW Account Monthly 0.15%* 0.15% $1,000
Mature Market NOW Account Monthly 0.15%* 0.15% $500
Charitable Interest Checking Monthly 0.15%* 0.15% $1,000

MONEY MARKET RATES

RATES EFFECTIVE AS OF 11/19/19
Account Type Compound Interest Rate Annual Percentage Yield** Minimum Opening Balance
0 to 49,999.99 Monthly 0.50%* 0.50% $1,000
50,000.00 to 99,999.99 Monthly 0.75%* 0.75% $1,000
100,000.00 to 499,999.99 Monthly 1.00%* 1.00% $1,000
500,000.00 or over Monthly 1.00%* 1.00% $1,000

SAVINGS RATES

RATES EFFECTIVE AS OF 11/19/19
Account Type Compound Interest Rate Annual Percentage Yield** Minimum Opening Balance
Blue Chip Quarterly 0.15%* 0.15% $100
Christmas Club At Maturity 0.25%* 0.25% $1

CERTIFICATES OF DEPOSITS RATES

RATES EFFECTIVE AS OF 11/19/19
Account Type Compound Interest Rate Annual Percentage Yield** Minimum Opening Balance
1 Month At Maturity 0.50% 0.50% $2,500
2 Month At Maturity 0.50% 0.50% $2,500
3 Month At Maturity 0.65% 0.65% $2,500
6 Month At Maturity 0.75% 0.75% $2,500
12 Month Quarterly 1.35% 1.36% $1,000
18 Month Quarterly 1.50% 1.51% $1,000
24 Month Quarterly 1.75% 1.76% $1,000
30 Month Quarterly 1.85% 1.86% $1,000
48 Month Quarterly 1.90% 1.91% $1,000
60 Month Semi-Annual 2.00% 2.01% $1,000

IRA RATES

RATES EFFECTIVE AS OF 11/19/19
Account Type Compound Interest Rate Annual Percentage Yield** Minimum Opening Balance
Traditional – Variable Rate (18 month) Quarterly 1.75%* 1.76% $100
Roth IRA – Fixed Rate (6 mo) Semi-Annual 0.75% 0.75% $1,000
Roth IRA – Fixed Rate (12 mo) Quarterly 1.35% 1.36% $1,000
Roth IRA – Fixed Rate (18 mo) Quarterly 1.50% 1.51% $1,000
Roth IRA – Fixed Rate (24 mo) Quarterly 1.75% 1.76% $1,000
Roth IRA – Fixed Rate (30 mo) Quarterly 1.85% 1.86% $1,000
Roth IRA – Fixed Rate (60 mo) Semi-Annual 2.00% 2.01% $1,000
Roth IRA – Variable Rate (18 mo) Quarterly 1.25%* 1.26% $100
Roth IRA – Variable Rate (60 mo) Quarterly 1.75%* 1.76% $100

*The interest rate shown may change after the account is opened.
**The annual percentage yield (APY) assumes the principal and its interest will remain on deposit for a full year at the listed rate or until maturity. Withdrawals, fees and other conditions could reduce earnings.