Winona Rates

Savings Rates

Premium High Yield Savings Account

From...	Up To...	Savings Rate
$5,000.00	$34,999.99	2.10% APY*
$35,000.00	$69,999.99	2.40% APY*
$70,000.00	$99,999.99	2.50% APY*
$100,000.00	And above	2.75% APY*

*Annual Percentage Yield. Effective October 1, 2023. Rates subject to change at any time.

Regular Savings

From...	Up To...	Savings Rate
$200.00	$999.99	0.15% APY*
$1,000.00	$2,499.99	0.20% APY*
$2,500.00	$24,999.99	0.35% APY*
$25,000.00	And above	0.50% APY*

*Annual Percentage Yield. Effective June 1, 2022. Rates subject to change at any time.

Little Savers

From...	Up To...	Savings Rate
$20.00	$999.99	0.40% APY*
$1,000.00	$2,499.99	0.55% APY*
$2,500.00	$24,999.99	0.65% APY*
$25,000.00	And above	0.80% APY*

*Annual Percentage Yield. Effective June 1, 2022. Rates subject to change at any time.

Certificates of Deposit Rates

Certificate of Deposit

Term	APY*	Minimum Opening Deposit
3 Months	2.39% APY*	$500.00
6 months	2.59% APY*	$500.00
12 Months	3.23% APY*	$500.00
18 Months	3.34% APY*	$500.00
24 Months	3.65% APY*	$500.00
36 Months	3.54% APY*	$500.00
48 Months	3.14% APY*	$500.00
60 Months	3.29% APY*	$500.00

*Annual Percentage Yield. Effective October 3, 2024. Rates subject to change at any time. Time Certificate 12 months and over compound quarterly. Early withdrawal penalty is 3 months interest for CD terms 12 months and under. Early withdrawal penalty is 6 months interest for CD terms over 12 months.

Special Certificate of Deposit

Term	APY*	Renewal Rate Term	Minimum Opening Deposit
9 Months	4.65% APY*	6 Months	$5000.00
13 Months	4.45% APY*	12 Months	$5000.00

*Annual Percentage Yield. Effective November 11, 2024. Rates subject to change at any time. Time Certificate 12 months and over compound quarterly. Early withdrawal penalty is 3 months interest for CD terms 12 months and under. Early withdrawal penalty is 6 months interest for CD terms over 12 months. Commercial or Institutional funds are not eligible for CD specials.

Special Certificate of Deposits renew at the current interest rate for the renewal rate term certificate of deposit.