Your Interest Rates
Certificates of Deposit - Special
Comparison table of Certificates of Deposit - Special
Term
Interest Rate
APY*
Minimum to Open
4 Month Personal or Business CD
4.40%
4.50%
$2,500.00
7 Month Personal or Business CD
4.40%
4.50%
$2,500.00
10 Month Personal or Business CD
4.40%
4.50%
$2,500.00
CD Special Rates effective as of September 1, 2023.
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
1.98%
2.00%
$500.00
12 Months
1.98%
2.00%
$500.00
18 Months
1.98%
2.00%
$500.00
24 Months
2.23%
2.25%
$500.00
30 Months
2.23%
2.25%
$500.00
36 Months
2.23%
2.25%
$500.00
48 Months
2.27%
2.30%
$500.00
60 Months
2.27%
2.30%
$500.00
CD rates effective, August 18, 2023.
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 Mortgage
7.375%
7.494%
15 Year Fixed Rate Mortgage
7.000%
7.127%
7 Year Adjustable Rate Mortgage (ARM)
7.250%
7.786%
10 Year HELOC with 5.49% Intro Rate (HBEP)
7.990%
7.990%
Rates effective as of September 22, 2023.
The interest rates, annual percentage rates (APRs), and points shown are subject to change without notice.
Your APR will vary based on your final loan amount and finance charges.
Your margin may be different on your adjustable rate mortgage (ARM) based on your loan terms. Other loan terms are available. Please contact us for further details.
Tri City National Bank does not have an exclusive right to make loans guaranteed or insured by the U.S. Department of Housing and Urban Development, the Federal Housing Administration, The Veterans Administration or any other department of the Federal, State or Local Government.
Auto Loans
Comparison table of Auto Loans
Year
Term
Interest Rate
APR*
2022–2023 New
36 Months
6.500%
6.503%
2022–2023 New
48 Months
6.740%
6.742%
2022–2023 New
60 Months
7.040%
7.042%
2022–2023 New
72 Months*
7.140%
7.142%
2019-2022 Used
36 Months
6.740%
6.743%
2019-2022 Used
48 Months
7.040%
7.042%
2019-2022 Used
60 Months
7.140%
7.142%
Rates effective as of September 22, 2023.
*72 month term available only for loan amounts of $20,000 or greater with a minimum credit score of 720.
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 September 21, 2023
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.)
Investor Checking
Comparison table of Investor Checking
Tier
Interest Rate
APY*
Minimum to Open
Below $2,500
0.01%
0.01%
$50.00
$2,500+
0.03%
0.03%
$50.00
50+ Checking
Comparison table of 50+ Checking
Tier
Interest Rate
APY*
Minimum to Open
$0+
0.01%
0.01%
$50.00
Money Market Investor
Comparison table of Money Market Investor
Tier
Interest Rate
APY*
Minimum to Open
Below $10,000
0.20%
0.20%
$100.00
$10,000 – $49,999
0.25%
0.25%
$100.00
$50,000 – $99,999
0.45%
0.45%
$100.00
$100,000+
0.70%
0.70%
$100.00
Money Market+
Comparison table of Money Market+
Tier
Interest Rate
APY*
Minimum to Open
Below $250,000
0.70%
0.70%
$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
2.57%
2.60%
$250,000.00
$2,000,000 or more
2.96%
3.00%
$250,000.00
Statement Savings Account
Comparison table of Statement Savings Account
Tier
Interest Rate
APY*
Minimum to Open
Statement Savings
0.02%
0.02%
$100.00
Dream Savings
Comparison table of Dream Savings
Tier
Interest Rate
APY*
Minimum to Open
Dream Savings
0.02%
0.02%
$1.00
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**)
4.57%
4.67%
$500.00
Non-Contributory
12 Months (Fixed)
1.98%
2.00%
$500.00
Non-Contributory
18 Months (Fixed)
1.98%
2.00%
$500.00
Non-Contributory
24 Months (Fixed)
2.23%
2.25%
$500.00
Non-Contributory
30 Months (Fixed)
2.23%
2.25%
$500.00
Non-Contributory
36 Months (Fixed)
2.23%
2.25%
$500.00
Non-Contributory
48 Months (Fixed)
2.27%
2.30%
$500.00
Non-Contributory
60 Months (Fixed)
2.27%
2.30%
$500.00
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%.
Individual Retirement Account Money Market
Comparison table of Individual Retirement Account Money Market
Tier
Interest Rate
APY*
Minimum to Open
Below $10,000
0.20%
0.20%
$100.00
$10,000 – $49,999.99
0.25%
0.25%
$100.00
$50,000 – $99,999.99
0.45%
0.45%
$100.00
$100,000+
0.70%
0.70%
$100.00
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.
