Your Interest Rates
Certificates of Deposit - Special
Comparison table of Certificates of Deposit - Special
Term
Interest Rate
APY*
Minimum to Open
7 Month Personal or Business CD
4.11%
4.20%
$2,500.00
10 Month Personal or Business CD
3.92%
4.00%
$2,500.00
CD Special Rates effective as of September 10, 2024.
The minimum balance to open and obtain the Annual Percentage Yield (APY) for the CD Specials listed above is $2,500 with a maximum amount of $500,000 per primary customer tax identification number (SSN or EIN). A Tri City National Bank checking account is required to open the CD. Withdrawal of interest will affect APY. APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Not available for Individual Retirement Accounts (IRA).
Certificates of Deposit
Comparison table of Certificates of Deposit
Term
Interest Rate
APY*
Minimum to Open
3 Months
1.98%
2.00%
$500.00
6 Months
3.19%
3.25%
$500.00
12 Months
3.19%
3.25%
$500.00
18 Months
2.95%
3.00%
$500.00
24 Months
2.71%
2.75%
$500.00
30 Months
2.61%
2.65%
$500.00
36 Months
2.46%
2.50%
$500.00
48 Months
2.46%
2.50%
$500.00
60 Months
2.46%
2.50%
$500.00
CD rates effective, July 15, 2024.
A penalty may be imposed for early withdrawal. APY = Annual Percentage Yield
Mortgage Options
Comparison table of Mortgage Options
Product/Term
Interest Rate
APR*
30 Year Fixed Rate Tri City Servicing
7.000%
7.128%
30 Year Fixed Rate Servicing Sold
6.625%
6.762%
30 Year WHEDA Fixed Rate First-Time Buyers*
6.000%
6.074%
15 Year Fixed Rate Tri City Servicing
6.500%
6.644%
15 Year Fixed Rate Servicing Sold
6.125%
6.286%
7 Year Adjustable Rate Mortgage (ARM)
6.375%
7.109%
30 Year FHA Fixed Rate Mortgage
6.750%
7.399%
10 Year HELOC with 5.99% 12 Mo Intro Rate (HBEP)
7.490%
7.490%
10 Year HELOC with 3.99% 6 Mo Intro Rate (HBEP)
7.490%
7.490%
Rates effective as of October 22, 2024.
* Pre-purchase Home Buyer Education (HBE) is required for First Time Home Buyers.
Auto Loans
Comparison table of Auto Loans
Year
Term
Interest Rate
APR*
2023–2024 New
36 Months
6.000%
6.012%
2023–2024 New
48 Months
6.250%
6.260%
2023–2024 New
60 Months
6.250%
6.260%
2023–2024 New
72 Months
6.500%
6.509%
2018-2023 Used
36 Months
6.000%
6.012%
2018-2023 Used
48 Months
6.250%
6.260%
2018-2023 Used
60 Months
6.250%
6.260%
Rates effective as of September 19, 2024.
APR = Annual Percentage Rate.
Advertised APRs are for vehicle purchase loans, and assume excellent borrower credit history with Auto-Pay from a Tri City National Bank Checking or Savings Account. Your actual APR may be different based on your credit history, loan purpose, loan amount, loan-to-value, loan term, applicable discounts, and fees. Rates are subject to change at any time, and subject to credit approval. Other restrictions may apply. Ask us for details.
Rates effective as of January 2, 2024
APY = Annual Percentage Yield.
APY assumes interest remains on deposit. Withdrawals and/or fees may reduce earnings on deposit. Rates are variable and subject to change without notice (checking, savings accounts, money markets and 18 Months (Variable) IRA.)
Advantage Checking
Comparison table of Advantage Checking
Tier
Interest Rate
APY*
Minimum to Open
Below $1,500
0.01%
0.01%
$50.00
$1,500+
0.02%
0.02%
$50.00
Advantage+ Checking
Comparison table of Advantage+ Checking
Tier
Interest Rate
APY*
Minimum to Open
Below $5,000
0.01%
0.01%
$100.00
$5,000+
0.03%
0.03%
$100.00
Everyday Savings
Comparison table of Everyday Savings
Tier
Interest Rate
APY*
Minimum to Open
$0+
0.02%
0.02%
$100.00
Money Market
Comparison table of Money Market
Tier
Interest Rate
APY*
Minimum to Open
Below $1,500.00
0.01%
0.01%
$500.00
$1,500 to $9,999.99
0.19%
0.20%
$500.00
$10,000 to $49,999.99
0.24%
0.25%
$500.00
$50,000 to $99,999.99
0.49%
0.50%
$500.00
$100,000+
0.99%
1.00%
$500.00
Money Market+
Comparison table of Money Market+
Tier
Interest Rate
APY*
Minimum to Open
Below $250,000
0.99%
1.00%
$250,000.00
$250,000 – $499,999.99
1.98%
2.00%
$250,000.00
$500,000 – $999,999.99
2.27%
2.30%
$250,000.00
$1,000,000 – $1,999,999.99
2.56%
2.60%
$250,000.00
$2,000,000 +
2.95%
3.00%
$250,000.00
Health Savings Account
Comparison table of Health Savings Account
Tier
Interest Rate
APY*
Minimum to Open
Below $10,000
0.02%
0.02%
$50.00
$10,000–$24,999.99
0.02%
0.02%
$50.00
$25,000+
0.02%
0.02%
$50.00
APY = Annual Percentage Yield. Rates are variable and may change each day. Fees may reduce earnings.
Individual Retirement Accounts
Comparison table of Individual Retirement Accounts
Contributory / Non-Contributory
Term
Interest Rate
APY*
Minimum to Open
Contributory
18 Months (Variable**)
4.440%
4.539%
$500.00
Non-Contributory
12 Months (Fixed)
3.44%
3.50%
$500.00
Non-Contributory
18 Months (Fixed)
3.19%
3.25%
$500.00
Non-Contributory
24 Months (Fixed)
2.95%
3.00%
$500.00
Non-Contributory
30 Months (Fixed)
2.95%
3.00%
$500.00
Non-Contributory
36 Months (Fixed)
2.71%
2.75%
$500.00
Non-Contributory
48 Months (Fixed)
2.61%
2.65%
$500.00
Non-Contributory
60 Months (Fixed)
2.46%
2.50%
$500.00
Individual Retirement Account Money Market
Comparison table of Individual Retirement Account Money Market
Tier
Interest Rate
APY*
Minimum to Open
Below $10,000
0.19%
0.20%
$100.00
$10,000 – $49,999.99
0.24%
0.25%
$100.00
$50,000 – $99,999.99
0.49%
0.50%
$100.00
$100,000+
0.99%
1.00%
$100.00
A penalty may be imposed for early withdrawal.
*APY = Annual Percentage Yield
**The rate is based on the 91-day U.S. Treasury Bill rate minus a margin of 0.75%. Minimum interest rate of 0.01%.
APY = Annual Percentage Yield
APY assumes interest remains on deposit. Withdrawals and/or fees may reduce earnings on deposit. Rates are variable and subject to change without notice.
