Checking, Savings, and Auto Loan Rates | Minster Bank
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Rates

View current APYs for our range of checking and savings products.

Rates

View current APYs for our range of checking and savings products.

CDs & IRAs Rates (effective 12/20/2024)

TermAmountAPY*Interest Rate
17-month$100,000 and greater3.70%3.63%
$5,000-$99,9993.50%3.44%
$1,000-$4,9993.25%3.20%
7-month$100,000 and greater4.00%3.92%
$5,000-$99,9993.85%3.78%
$1,000-$4,9993.65%3.59%

CDs & IRAs Rates (effective 12/20/2024)

Amount$100,000 and greater
APY*3.70%
Interest Rate3.63%
Amount$5,000-$99,999
APY*3.50%
Interest Rate3.44%
Amount$1,000-$4,999
APY*3.25%
Interest Rate3.20%

Amount$100,000 and greater
APY*4.00%
Interest Rate3.92%
Amount$5,000-$99,999
APY*3.85%
Interest Rate3.78%
Amount$1,000-$4,999
APY*3.65%
Interest Rate3.59%

*APY = Annual Percentage Yield. Minimum investment of $1,000 unless otherwise noted. Penalty for early withdrawal may apply. Businesses and Municipalities will be quoted. Rates are subject to change. Additional term options are available. Contact your local branch for details.

Personal Checking Rates (effective 12/20/2024)

Account Name Minimum Initial DepositMinimum Balance to Avoid Monthly FeeMonthly Fee if Below Minimum BalanceMinimum Balance to Receive APY*APY*Interest Rate
Relationship Checking$50$2,000 in Checking or
$5,000 in Savings or
$10,000 in Deposits (including CDs and IRAs)
$9 if check images are not returned or $11 if check images are returned$25,000+0.75%0.75%
$50$2,000 in Checking or
$5,000 in Savings or
$10,000 in Deposits (including CDs and IRAs)
$9 if check images are not returned or $11 if check images are returned$10,000-$24,9990.60%0.60%
$50$2,000 in Checking or
$5,000 in Savings or
$10,000 in Deposits (including CDs and IRAs)
$9 if check images are not returned or $11 if check images are returned$5,000-$9,9990.50%0.50%
$50$2,000 in Checking or
$5,000 in Savings or
$10,000 in Deposits (including CDs and IRAs)
$9 if check images are not returned or $11 if check images are returned$0-$4,9990.35%0.35%
Interest Checking$50$1,000$9 if check images are not returned or $11 if check images are returnedN/A0.20%0.20%

Personal Checking Rates (effective 12/20/2024)

Minimum Initial Deposit$50
Minimum Balance to Avoid Monthly Fee$2,000 in Checking or
$5,000 in Savings or
$10,000 in Deposits (including CDs and IRAs)
Monthly Fee if Below Minimum Balance$9 if check images are not returned or $11 if check images are returned
Minimum Balance to Receive APY*$25,000+
APY*0.75%
Interest Rate0.75%
Minimum Initial Deposit$50
Minimum Balance to Avoid Monthly Fee$2,000 in Checking or
$5,000 in Savings or
$10,000 in Deposits (including CDs and IRAs)
Monthly Fee if Below Minimum Balance$9 if check images are not returned or $11 if check images are returned
Minimum Balance to Receive APY*$10,000-$24,999
APY*0.60%
Interest Rate0.60%
Minimum Initial Deposit$50
Minimum Balance to Avoid Monthly Fee$2,000 in Checking or
$5,000 in Savings or
$10,000 in Deposits (including CDs and IRAs)
Monthly Fee if Below Minimum Balance$9 if check images are not returned or $11 if check images are returned
Minimum Balance to Receive APY*$5,000-$9,999
APY*0.50%
Interest Rate0.50%
Minimum Initial Deposit$50
Minimum Balance to Avoid Monthly Fee$2,000 in Checking or
$5,000 in Savings or
$10,000 in Deposits (including CDs and IRAs)
Monthly Fee if Below Minimum Balance$9 if check images are not returned or $11 if check images are returned
Minimum Balance to Receive APY*$0-$4,999
APY*0.35%
Interest Rate0.35%

Minimum Initial Deposit$50
Minimum Balance to Avoid Monthly Fee$1,000
Monthly Fee if Below Minimum Balance$9 if check images are not returned or $11 if check images are returned
Minimum Balance to Receive APY*N/A
APY*0.20%
Interest Rate0.20%

*APY = Annual Percentage Yield.Account fees could reduce earnings. Variable interest rate subject to change.

Personal Savings Rates (effective 12/20/2024)

Account NameMinimum Initial DepositMinimum Balance to Avoid FeesMinimum Balance to Receive APY*APY*Interest Rate
Money Market Advantage & Money Market Advantage IRA$10,000$10,000$500,000+3.05%3.00%
$10,000$10,000$250,000-$499,9992.60%2.57%
$10,000$10,000$100,000-$249,9992.10%2.08%
$10,000$10,000$25,000-$99,9991.25%1.24%
$10,000$10,000$0-$24,9990.60%0.60%
Investment Savings & Investment Savings IRA$500$1,000$25,000+
1.25%1.24%
$25$1,000$10,000-$24,9990.60%0.60%
$25$1,000$5,000-$9,9990.50%0.50%
$25$1,000$0-$4,9990.35%0.35%
Regular & Minor Savings$25$25 if under 18 years old
$200 if 18 or older
N/A0.20%0.20%
America Saves$25$0 the first 9 months
$200 after 9 months
N/A0.20%0.20%
Holiday Savings$25$25 per weekN/A0.20%0.20%
Health Savings Account (HSA)$0$0 the first year
$200 after the first year
$25,000+
0.35%0.35%
$0$0 the first year
$200 after the first year
$10,000-$24,9990.30%0.30%
$0$0 the first year
$200 after the first year
$5,000-$9,9990.25%0.25%
$0$0 the first year
$200 after the first year
$0-$4,9990.20%0.20%

Personal Savings Rates (effective 12/20/2024)

Minimum Initial Deposit$10,000
Minimum Balance to Avoid Fees$10,000
Minimum Balance to Receive APY*$500,000+
APY*3.05%
Interest Rate3.00%
Minimum Initial Deposit$10,000
Minimum Balance to Avoid Fees$10,000
Minimum Balance to Receive APY*$250,000-$499,999
APY*2.60%
Interest Rate2.57%
Minimum Initial Deposit$10,000
Minimum Balance to Avoid Fees$10,000
Minimum Balance to Receive APY*$100,000-$249,999
APY*2.10%
Interest Rate2.08%
Minimum Initial Deposit$10,000
Minimum Balance to Avoid Fees$10,000
Minimum Balance to Receive APY*$25,000-$99,999
APY*1.25%
Interest Rate1.24%
Minimum Initial Deposit$10,000
Minimum Balance to Avoid Fees$10,000
Minimum Balance to Receive APY*$0-$24,999
APY*0.60%
Interest Rate0.60%

Minimum Initial Deposit$500
Minimum Balance to Avoid Fees$1,000
Minimum Balance to Receive APY*$25,000+
APY*1.25%
Interest Rate1.24%
Minimum Initial Deposit$25
Minimum Balance to Avoid Fees$1,000
Minimum Balance to Receive APY*$10,000-$24,999
APY*0.60%
Interest Rate0.60%
Minimum Initial Deposit$25
Minimum Balance to Avoid Fees$1,000
Minimum Balance to Receive APY*$5,000-$9,999
APY*0.50%
Interest Rate0.50%
Minimum Initial Deposit$25
Minimum Balance to Avoid Fees$1,000
Minimum Balance to Receive APY*$0-$4,999
APY*0.35%
Interest Rate0.35%

Minimum Initial Deposit$25
Minimum Balance to Avoid Fees$25 if under 18 years old
$200 if 18 or older
Minimum Balance to Receive APY*N/A
APY*0.20%
Interest Rate0.20%

Minimum Initial Deposit$25
Minimum Balance to Avoid Fees$0 the first 9 months
$200 after 9 months
Minimum Balance to Receive APY*N/A
APY*0.20%
Interest Rate0.20%

Minimum Initial Deposit$25
Minimum Balance to Avoid Fees$25 per week
Minimum Balance to Receive APY*N/A
APY*0.20%
Interest Rate0.20%

Minimum Initial Deposit$0
Minimum Balance to Avoid Fees$0 the first year
$200 after the first year
Minimum Balance to Receive APY*$25,000+
APY*0.35%
Interest Rate0.35%
Minimum Initial Deposit$0
Minimum Balance to Avoid Fees$0 the first year
$200 after the first year
Minimum Balance to Receive APY*$10,000-$24,999
APY*0.30%
Interest Rate0.30%
Minimum Initial Deposit$0
Minimum Balance to Avoid Fees$0 the first year
$200 after the first year
Minimum Balance to Receive APY*$5,000-$9,999
APY*0.25%
Interest Rate0.25%
Minimum Initial Deposit$0
Minimum Balance to Avoid Fees$0 the first year
$200 after the first year
Minimum Balance to Receive APY*$0-$4,999
APY*0.20%
Interest Rate0.20%

*APY = Annual Percentage Yield. Rates are subject to change. Minimum investment of $1,000 unless otherwise noted. Penalty for early withdrawal may apply. Account Fees could reduce earnings. Variable interest rates subject to change.

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