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 1/25/23
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 1/25/23
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 1.50%* 1.51% $1,000
500,000.00 or over Monthly 1.50%* 1.51% $1,000

SAVINGS RATES

RATES EFFECTIVE AS OF 1/25/23
Account Type Compound Interest Rate Annual Percentage Yield** Minimum Opening Balance
Blue Chip Quarterly 0.25%* 0.25% $100
Christmas Club At Maturity 0.25%* 0.25% $1
Bank at School Quarterly 0.50%* 0.50% $1

CERTIFICATES OF DEPOSITS RATES

RATES EFFECTIVE AS OF 1/25/23
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 1.00% 1.00% $2,500
6 Month At Maturity 2.25% 2.26% $2,500
12 Month Quarterly 2.75% 2.78% $1,000
18 Month Quarterly 3.50% 3.55% $1,000
24 Month Quarterly 3.50% 3.55% $1,000
30 Month Quarterly 3.50% 3.55% $1,000
48 Month Quarterly 3.40% 3.44% $1,000
60 Month Semi-Annual 3.30% 3.33% $1,000

IRA RATES

RATES EFFECTIVE AS OF 1/25/23
Account Type Compound Interest Rate Annual Percentage Yield** Minimum Opening Balance
Traditional – Variable Rate (18 month) Quarterly 3.00%* 3.03% $100
Roth IRA – Fixed Rate (6 mo) Semi-Annual 2.25% 2.26% $1,000
Roth IRA – Fixed Rate (12 mo) Quarterly 2.75% 2.78% $1,000
Roth IRA – Fixed Rate (18 mo) Quarterly 3.50% 3.55% $1,000
Roth IRA – Fixed Rate (24 mo) Quarterly 3.50% 3.55% $1,000
Roth IRA – Fixed Rate (30 mo) Quarterly 3.50% 3.55% $1,000
Roth IRA – Fixed Rate (60 mo) Semi-Annual 3.30% 3.33% $1,000
Roth IRA – Variable Rate (18 mo) Quarterly 3.00%* 3.03% $100
Roth IRA – Variable Rate (60 mo) Quarterly 3.00%* 3.03% $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.