What the house needs. What the ground needs.
Everything below sits under one relationship, with one set of people who know both halves of your year.
The house
Everyday banking for the people who live on the place, not just the operation that runs on it.
VIC Club
A club for "very important citizens". Age 50 and over with a minimum balance of $1,500 in a savings account or a certificate of deposit. Free checking with no service charge and no minimum balance, one free box of personalised checks a year, free notary service, member trip offers, a member newsletter, and direct deposit of Social Security, pension and retirement checks.
Checking
Interest Checking from a $500 minimum, and Security Gold Checking from $10,000.
Savings
Economy Savings from $25, Regular Savings from $100, and Money Market Investment Savings from $1,000.
Certificates & IRAs
Terms from 3 to 60 months plus 10 and 19 month specials. Traditional and Roth IRAs, and health savings accounts.
Cards and online
ATM and debit cards, which can now be added to your digital wallet. Internet banking, e-statements and online bill pay.
The ground
A healthy business environment keeps communities strong. The credit and the cash handling a farm or a Main Street shop actually runs on.
Ag loans
Operating lines of credit, farm land loans and farm equipment financing. Local approval, flexible terms and competitive rates. Talk to a loan specialist about how the terms line up against your season.
Talk to a lenderBusiness loans
Commercial loans and services to help local business prosper, with decisions made at the bank.
Cash management
Direct deposits, transfers, collecting customer payments and ACH payments to vendors, from anywhere.
Remote deposit capture
Deposit checks without the drive into town, which matters most in the weeks you cannot spare the hour.
Business deposits
Business checking, business savings and business certificates of deposit for money waiting on its next job.
Seven ways to borrow, all decided in this building.
Ag loans
Land, equipment and operating lines. Competitive rates, flexible terms, local approval.
Auto and personal
A car, truck, boat or other major purchase. Rates as low as 6.25% APR, with fast approvals.
Business loans
Financing to grow the business, from a partner who banks the rest of your life too.
Home loans
A range of mortgage products. Apply online, by mail, or in person at any location.
Home equity
A loan or a line of credit against the equity you have already built.
Home improvement
Competitive rates and quick approvals for the project that has waited long enough.
Security PLUS
A revolving line of credit up to $5,000 attached to your existing checking account. You get overdraft protection and can write yourself a loan any time you are short. Payments come out monthly, and there are only three steps: keep or open a checking account, complete a credit application, and get approval. The line can be in place within 24 hours.
The numbers, on the page.
Accurate as of 6.23.2026. Please contact an employee for further information about applicable fees and terms.
| Term | Rate | APY |
|---|---|---|
| 10 months | 3.60% | 3.61% |
| 19 months | 3.70% | 3.71% |
| Term | $1,000 min | $10,000 min | $25,000 min |
|---|---|---|---|
| 3 months | 1.91% | 1.96% | 2.02% |
| 6 months | 2.06% | 2.11% | 2.16% |
| 12 months | 2.15% | 2.20% | 2.25% |
| 18 months | 2.30% | 2.35% | 2.40% |
| 24 months | 2.35% | 2.40% | 2.45% |
| 36 months | 2.40% | 2.45% | 2.50% |
| 48 months | 2.55% | 2.60% | 2.65% |
| 60 months | 2.65% | 2.70% | 2.75% |
| Account | Rate | APY |
|---|---|---|
| Economy Savings, $25 minimum | 0.25% | 0.25% |
| Regular Savings, $100 minimum | 0.25% | 0.25% |
| Money Market, $.01 to $19,999.99 | 0.65% | 0.65% |
| Money Market, $20,000 to $49,999.99 | 0.95% | 0.95% |
| Money Market, $50,000 and up | 1.25% | 1.26% |
| Interest Checking, $500 to $2,499.99 | 0.20% | 0.20% |
| Interest Checking, $2,500 and up | 0.40% | 0.40% |
| Security Gold Checking, $10,000 minimum | 1.50% | 1.51% |
| Term or tier | Rate | APY |
|---|---|---|
| IRA, 12 months | 2.15% | 2.15% |
| IRA, 24 months | 2.35% | 2.35% |
| IRA, 36 months | 2.40% | 2.40% |
| IRA, 48 months | 2.55% | 2.55% |
| IRA, 60 months | 2.65% | 2.65% |
| Variable rate IRA savings, $100 minimum | 1.25% | 1.26% |
| Health savings, $100 to $4,999.99 | 0.15% | 0.15% |
| Health savings, $5,000 and above | 0.25% | 0.25% |
Bring us the whole picture, not half of it.
The house and the ground are easier to lend against together than apart. Start with a phone call to the branch nearest you.