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Auto Loans

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Rates

Savings & Deposit Rates 

rates_savings table
Deposit AccountAPYInterest RateCompound FrequencyMinimum Balance
Savings0.050.05Quarterly$90.00 minimum to open & avoid fees
Money Market (Balance $0.00 - $999.99)0.050.05Monthly$1,000.00 minimum to open & avoid fees
Money Market (Balance $1,000.00 - $24,999.99)0.600.60Monthly$1,000.00 minimum to earn tiered rate (otherwise reverts to lower tiered rate)
Money Market (Balance $25,000.00 - $49,999.99)1.001.00Monthly$25,000.00 minimum to earn tiered rate (otherwise reverts to lower tiered rate)
Money Market (Balance $50,000.00 - $99,999.99)1.111.10Monthly$50,000.00 minimum to earn tiered rate (otherwise reverts to lower tiered rate)
Money Market (Balance $100,000.00 - $249,999.99)1.261.25Monthly$100,000.00 minimum to earn tiered rate (otherwise reverts to lower tiered rate)
Money Market (Balance $250,000.00 or more)1.511.50Monthly$250,000.00 minimum to earn tiered rate (otherwise reverts to lower tiered rate)

  • Fees may reduce earnings on these accounts
  • Fees are based on the average daily balance
  • All accounts shown above are variable interest bearing accounts.  Interest rates can change after account is opened
  • Disclosed APYs are effective as of 06/01/2023
  • Average Daily Balance method required to earn the disclosed APY
  • All interest rates shown above are subject to change without notice

Certificate of Deposit Rates 

 

rates_cd table
Certificates of Deposit
Certificate TermMinimum to open
$500
 *APYInterest Rate
32 - 90 Days1.411.40
3 Month1.411.40
6 Month5.044.95
12 Month2.022.00
18 Month2.072.05
24 Month2.222.20
36 Month2.372.35
48 Month2.472.45
60 Month2.732.70
72 Month2.782.75
IRA - 72 Month2.782.75

 

rates_cd_special table
Certificates of Deposit Specials
Certificate TermMinimum to open
$2,500
 *APYInterest Rate
16 Month Special4.584.50
39 Month Special3.033.00

  • *Annual Percentage Yield
  • All Certificate of Deposit (CD) rates shown above are fixed rates
  • Dollar ranges shown above indicate the minimum and maximum amounts to open a Certificate with the specific rate shown in each column
  • Annual Percentage Yield (APY) as shown above is based on quarterly compounding of interest
  • Certificates with an original maturity of one year or less have an early withdrawal penalty of an amount equal to 3 months' interest
  • Certificates with an original maturity of more than one year have an early withdrawal penalty of an amount equal to 6 months' interest
  • All interest rates shown above are subject to change without notice

Mortgage Rates 

 

rates_mortgage table
Fixed Rate Mortgages - Owner Occupied
 Rate
30 Year Fixed Rate6.375
Annual Percentage Rate (APR)6.503
20 Year Fixed Rate6.125
Annual Percentage Rate (APR)6.292
15 Year Fixed Rate5.750
Annual Percentage Rate (APR)5.958

 
All interest rates and Annual Percentage Rates (APRs) shown above are subject to change without notice.  Please see additional disclosures at the bottom of this page.

Other Real Estate Mortgages Available

  • Balloon Mortgages
  • Adjustable Rate Loans
  • Bi-Weekly Payment Programs
  • 2nd Mortgage Loans
  • Home Equity Lines of Credit
  • Agricultural Loans
  • Commercial Mortgages
  • Vacant Land and Lot Loans

Why Choose The River Falls State Bank for Your Mortgage Loan Needs?

  • Fast, Easy and Free Mortgage Prequalification
  • No Loan Application Fee
  •  Low Closing Costs
  •  Quick Approval

Call or see one of our loan officers for more information on loan products, terms, & down payment options!

Disclosures:

The mortgage rates published on this website are the current rates for a single-family primary residence purchase with loan amount of $200,000.00 based on a 45-day lock period, a credit score of 780, and are subject to change without notice.  In order to receive a guaranteed rate, you must have applied for a mortgage loan through River Falls State Bank and received a verbal confirmation from a loan officer that your desired rate is locked.  Your guaranteed mortgage interest rate will depend on factors such as current market conditions, loan product, property type, occupancy, credit score, loan-to-value ratio and the use of subordinate financing.  This statement of current loan terms and conditions is not an offer to enter into an interest rate agreement.

Annual Percentage Rate (APR) calculation assumes a 20% down payment and one point buydown.  If the down payment is less than 20%, mortgage insurance may be needed on the loan.  This could increase the monthly payment and the APR.

For more information on products or rates not listed on this site, please contact us at (715) 425-6782 or (866) 737-2669.