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Money Market Account

  • Minimum balance required to open account: $2500
  • Contact bank for current tier rates.
  • Current tier balances:
    • daily available balance of $100,000.00 AND OVER
    • daily available balance of $50,000.00 – 99,999.99
    • daily available balance of $25,000.00 – 49,999.99
    • daily available balance of $2,500.00 – 24,999.99
    • daily available balance of $.00 – 2,499.99
  • No maintenance fee or per-item fee
  • Safekept Account
  • Business or personal available
  • Limited transactions -- see information under All Savings Accounts

Savings Accounts

Basic (Passbook) Savings

  • No minimum balance required to earn interest
  • Minimum balance required to avoid maintenance fee: $100.00
  • Maintenance fee if under minimum balance: $3.00 per quarter if under $100
  • Per debit fee: $1.00 per debit after 9 free per quarter if under $300
  • Free to students and seniors: yes
  • Interest rate: variable rate subject to change at any time
  • Limited transactions -- see information under All Savings Accounts

Thrift Savings

  • Minimum initial deposit: $50.00
  • No minimum balance required to earn interest
  • Minimum balance required to avoid maintenance fee: $50.00
  • Maintenance fee if under minimum balance: $1.00 per quarter
  • No per item fee
  • Free to students and seniors: no
  • Interest rate: variable rate subject to change at any time
  • Limited transactions -- see information under All Savings Accounts

Executive Money Market Savings

  • No minimum balance required to earn interest
  • Minimum balance required to avoid maintenance fee: $100.00
  • Maintenance fee if under minimum balance: $5.00 per quarter
  • Per debit fee: $1.00 per debit after 9 free per quarter if under $300
  • Free to students and seniors: yes
  • Interest rate: variable tiered rate subject to change at any time
  • Limited transactions -- see information under All Savings Accounts
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All Savings Accounts

  • Minimum initial deposit: $0.00 unless Thrift Account
  • Free deposit and withdrawal forms
  • Limited transactions:
    • Only 6 debits per month of the following types:
      • preauthorized debits to third parties
      • telephone transfers
      • transfers to another depositor at our bank or
      • 6 checks allowed per month if our Money Market account
    • Unlimited debit types:
      • debits in person or at ATM
      • automatic loan pays to our bank
      • transfers to other accounts of yours at our bank
  • $2.00 fee for each restricted debit over 6 per calendar month
  • Interest on Savings accounts calculated on daily collected balance
  • Service charges on Savings accounts calculated on average collected balance
  • Quarterly Statements
  • Call 218-564-4171 or 218-837-5171 during regular banking hours for current interest rates.
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Individual Retirement Accounts

We offer the Traditional IRA, the Roth IRA, the Education IRA and the SEP plan, all with no service charge and a competitive interest rate. Interest rates are subject to change at any time. Penalties for early withdrawal may apply. See our IRA specialists for further information.

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Health Savings Account

  • Minimum balance to open account: $10.00
  • No minimum balance required to earn interest
  • No maintenance fees
  • Interest Rate: variable rate subject to change at any time
  • Penalties for early withdrawal may apply

See our HSA specialists for further information.

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