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Deposit Rates

Rates to suit just about everyone.

Effective December 19, 2025

NameRateAPY*

Checking

EnVision Interest Checking (b)


Minimum Opening Deposit: $50		0.10%0.10%

Great Rewards Checking (b)


Minimum Opening Deposit: $50
Daily balance of:

  • $0.00-$20,000.00 (meets qualifications)
  • $20,000.01-and up (meets qualifications)
  • Does not meet qualifications

  • 2.00%
  • 1.00%
  • 0.01%

  • 2.02%
  • 1.03-2.02%
  • 0.01%

Business Interest Checking (b)


Minimum Opening Deposit: $100
Daily balance of:

  • $0.00-$24,999.99
  • $25,000.00-$99,999.99
  • $100,000.00-$249,999.99
  • $250,000.00-$499,999.99
  • $500,000.00 and up

  • 0.55%
  • 0.75%
  • 0.85%
  • 1.30%
  • 1.50%

  • 0.55%
  • 0.55-0.70%
  • 0.70-0.79%
  • 0.79-1.05%
  • 1.05-1.49%

Savings & Money Market Accounts
Great Rate Savings (b)
Minimum Opening Deposit: $100
Daily balance of:

  • $0.00-$24,999.99
  • $25,000.00-$49,999.99
  • $50,000.00-$99,999.99
  • $100,000.00-$249,999.99
  • $250,000.00 and up

  • 0.15%
  • 0.25%
  • 0.40%
  • 0.50%
  • 0.65%

  • 0.15%
  • 0.25%
  • 0.40%
  • 0.50%
  • 0.65%

Business Savings (b)


Minimum Opening Deposit: $100		0.05%0.05%

Health Savings Account (b)


Daily balance of:

  • $0.00-$9,999.99
  • $10,000.00-$19,999.99
  • $20,000.00 and up

  • 0.50%
  • 0.75%
  • 1.00%

  • 0.50%
  • 0.75%
  • 1.00%

Premier Money Market Savings Account (b)


Minimum Opening Deposit: $50
Daily balance of:

  • $0.00-$9,999.99
  • $10,000.00-$24,999.99
  • $25,000.00-$99,999.99
  • $100,000.00-$249,999.99
  • $250,000.00 and up

  • 1.00%
  • 1.50%
  • 2.00%
  • 2.50%
  • 3.00%

  • 1.00%
  • 1.51%
  • 2.02%
  • 2.53%
  • 3.04%

Certificates of Deposit

182-day Certificate of Deposit (a)


Minimum Opening Deposit: $500
Daily balance of:

  • $0.00-$249,999.99
  • $250,000.00 and up

  • 3.30%
  • 3.40%

  • 3.33%
  • 3.43%

12-month Certificate of Deposit (a)


Minimum Opening Deposit: $500
Daily balance of:

  • $0.00-$249,999.99
  • $250,000.00 and up

  • 3.30%
  • 3.40%

  • 3.35%
  • 3.45%

18-month Certificate of Deposit (a)


Minimum Opening Deposit: $500
Daily balance of:

  • $0.00-$249,999.99
  • $250,000.00 and up

  • 3.30%
  • 3.40%

  • 3.35%
  • 3.45%

24-month Certificate of Deposit (a)


Minimum Opening Deposit: $500
Daily balance of:

  • $0.00-$249,999.99
  • $250,000.00 and up

  • 3.40%
  • 3.50%

  • 3.45%
  • 3.55%

30-month Certificate of Deposit (a)


Minimum Opening Deposit: $500
Daily balance of:

  • $0.00-$249,999.99
  • $250,000.00 and up

  • 3.40%
  • 3.50%

  • 3.45%
  • 3.55%

48-month Certificate of Deposit (a)


Minimum Opening Deposit: $500
Daily balance of:

  • $0.00-$249,999.99
  • $250,000.00 and up

  • 3.50%
  • 3.60%

  • 3.55%
  • 3.65%

60-month Certificate of Deposit (a)


Minimum Opening Deposit: $500
Daily balance of:

  • $0.00-$249,999.99
  • $250,000.00 and up

  • 3.60%
  • 3.70%

  • 3.65%
  • 3.75%

Individual Retirement Account

Variable Rate IRA Savings (b)


Minimum Opening Deposit: $50
Daily balance of:

  • $0.00-$9,999.99
  • $10,000-$24,999.99
  • $25,000 and up

  • 0.05%
  • 0.10%
  • 0.25%

  • 0.05%
  • 0.10%
  • 0.25%

Insured Cash Sweep®

Insured Cash Sweep (ICS) (b)


Daily balance of:

  • $0.00-$24,999.99
  • $25,000.00-$99,999.99
  • $100,000.00-$249,999.99
  • $250,000.00-$499,999.99
  • $500,000.00-$999,999.99
  • $1,000,000.00-$4,999,999.99
  • $5,000,000.00-$9,999,999.99
  • $10,000,000.00 and up

  • 0.55%
  • 0.75%
  • 0.85%
  • 1.30%
  • 1.50%
  • 1.60%
  • 2.15%
  • 2.65%

  • 0.55%
  • 0.75%
  • 0.85%
  • 1.31%
  • 1.51%
  • 1.61%
  • 2.17%
  • 2.68%

*Annual Percentage Yields (APYs) effective as of December 19, 2025, and subject to change without notice. Fees may reduce earnings.

Certificates of Deposit in each of our term lengths are also available as IRA investments.

a) A penalty will be imposed for early withdrawal.

b) The interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce earnings on the account. IRS penalties may apply to withdrawals made from an IRA account prior to age 59-1/2.

Great Rewards Checking Additional Detail: Monthly qualifications to earn the premium rates: 14 debit card purchases, 1 automatic debit or direct deposit, and enroll and receive online statements. Each monthly qualification cycle the qualifications are met: balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% – 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.

Premier Money Market Savings Additional Detail: If balance falls below $10,000 any day of the month, a $10 monthly service charge will be assessed. Account restrictions of up to 6 checks per month and up to 6 withdrawals per month. Includes ACH, in-person, ATM, POS, telephone, AFT, online or any other withdrawal or transfer from the account. Any withdrawals, transfers or checks over these limits will not automatically post to the account and could result in failed transfers or withdrawals, declined debit card transactions, and returned checks. If the withdrawal restrictions on this account are exceeded on more than an occasional basis, Bank Midwest reserves the right to transfer this account to another interest-bearing account type that does not limit withdrawals.

Insured Cash Sweep Additional Detail: Use of the ICS service is subject to the terms, conditions, and disclosure set forth in the applicable program agreements. Limits and customer eligibility criteria may apply. ICS program withdrawals are limited to six per month when using the ICS savings option. ICS, Insured Cash Sweep, are registered service marks of IntraFi Network, LLC.

Call 888-902-5662 or ask an employee for current rates or more information.

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