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Current Deposit Rates

Rates effective as of 12/10/2018 through 12/16/2018

Deposit Account Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
Certificates of Deposit (CDs) Promotions+
12 Month CD* 1.70% 1.70% $5,000.00
24 Month CD* 2.00% 2.00% $5,000.00
24 Month CD*# 2.50% 2.50% $50,000.00
60 Month CD* 2.00% 2.00% $5,000.00
Certificates of Deposit+
3 Mo Brilliant CD## 1.50% 1.51% $5,000 Consumer
$25,000 Business
91 – 181 Day CD 0.40% 0.40% $500.00
182 – 364 Day CD 0.50% 0.50% $500.00
12 – 23 Month CD* 0.50% 0.50% $500.00
24 – 35 Month CD* 0.65% 0.65% $500.00
36 – 47 Month CD* 0.85% 0.85% $500.00
48 – 59 Month CD* 1.00% 1.00% $500.00
60 Month CD* 1.35% 1.35% $500.00
84 Month CD* 1.35% 1.35% $500.00
High-Yield Money Market Account**
$.01 – $9,999.99 0.10% 0.10% $2,000.00
$10,000.00 – $39,999.99 0.20% 0.20% $2,000.00
$40,000.00 – $89,999.99 0.25% 0.25% $2,000.00
$90,000.00 – $249,999.99 0.40% 0.40% $2,000.00
$250,000.00 – $499,999.99 0.50% 0.50% $2,000.00
$500,000.00 + 0.75% 0.75% $2,000.00
Health Savings Account**
Individuals 1.00% 1.00% $100.00
Regular Savings Account**
Individuals / Businesses 0.07% 0.07% $100.00***
Checking Accounts** (not available as an IRA)
Elite Rewards Checking Independence Plus Business Elite (Sole Proprietor only) 0.04% 0.04% $100.00
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#Funds must be “new” not currently on deposit with Bank of Sun Prairie.
##Brilliant CD – Maximum is $250,000.  Funds must be “new” not currently on deposit with Bank of Sun Prairie.  No Brokered, Institutional or Out-of-State funds. 
*Bump Rate Certificates of Deposit available – Restrictions apply.  Please see “Bump Rate” Certificate of Deposit disclosure.
Minimum balance to earn APY is $.01. Fees or withdrawals could reduce the Annual Percentage Yield (APY) on the above accounts. Federal Regulations limit the number of withdrawals that can be made per month for all savings and money market accounts. Disclosures on fees, transaction limitations and other product features are contained in our Consumer Deposit Account Fee Schedule, applicable Product Information Brochure and our Terms and Conditions.
** All Interest Rates and Annual Percentage Yields (APY) are current as of this date, but are subject to change weekly at our discretion. The disclosed APY assumes that the interest will remain on deposit, interest withdrawals will affect APY. Bank uses the daily balance method to calculate the interest on your account. This method applies a daily rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e. checks). Interest is compounded and credited monthly on your collected balance. These are variable rate accounts. The interest rate that corresponds to the amount on deposit, is paid on the full balance.
***Minimum Opening Deposit doesn’t apply to individuals under 18.
+ All Certificates of Deposit are subject to substantial penalty for funds withdrawn prior to maturity. All Certificate of Deposit, High Yield Money Market Account, and Savings Account information also applies to IRAs (unless indicated otherwise). For CD promotions no Brokered, Institutional, or Out-of-State funds.
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