Rates

Rates

Effective September 27, 2022

Certificates of Deposit
TERM
INTEREST RATE
APY**
COMPOUNDS
       
182 Days
0.90%
0.90%
Quarterly
9 Months Special***
2.22%
2.24%
Quarterly
12 Months
1.10%
1.11%
Quarterly
15 Months Special*** 1.50% 1.51% Quarterly
18 Months
1.20%
1.21%
Quarterly
24 Months
1.30%
1.31%
Quarterly
30 Months
1.35%
1.36%
Quarterly
36 Months
1.40%
1.41%
Quarterly
48 Months
1.50%
1.51%
Quarterly
60 Months
1.75%
1.76%
Quarterly
84 Months*
2.00%
2.01%
Quarterly
$500 minimum deposit.  Interest on Certificates of Deposit may be mailed or deposited automatically.
Stated yield assumes interest is left to compound. 
*** 15 Months Special & 9 Months Special- $25,000.00 minimum deposit.
*For 84-Month CD only-- $10,000.00 minimum deposit and 24 months interest penalty for early withdrawal.
Penalty for early withdrawal.
Savings Accounts
  INTEREST RATE APY**
Savings Account 0.15% 0.15%
Health Savings Account (HSA) 0.05% 0.05%

Fees may reduce earnings on these accounts.  Interest Rate and APY may change.
Savings: $50.00 deposit to open.  Monthly average balance $100.00 - no monthly maintenance fees.  If monthly average ledger balance falls below $100.00 - $2.00 maintenance fee per month.
Health Savings: $1.00 deposit to open. Minimum balance above $1,500.00 - no monthly maintenance fees.  If average balance falls below $1,500.00 - $2.00 maintenance fee per month.

Money Market Savings Accounts
TIERS INTEREST RATE APY**
.01-2,499.99 0.20% 0.20%
2,500.00-49,999.99 0.25% 0.25%
50,000.00-99,999.99 0.35% 0.35%
100,000.00-249,999.99 0.40% 0.40%
250,000.00-$499,999.99 0.50% 0.50%
500,000.00-$999,999.99 0.55% 0.55%
1,000,000.00 and Above 0.60% 0.60%

$1,000.00 deposit to open.  Daily minimum balance above $1,000.00 - no monthly maintenance fees.
If daily minimum balance falls below $1,000.00 - $6.00 maintenance fee per month.  Minimum balance to receive APY is $0.01.  Fees may reduce earnings on these accounts.  Interest Rate and APY may change.

Individual Retirement Accounts
  INTEREST RATE APY**
Individual Retirement Account (IRA) 0.30% 0.30%
12-Month IRA CD 1.10% 1.11%
36-Month IRA CD 1.40% 1.41%
84-Month IRA CD 2.00% 2.01%

Fees may reduce earnings on these accounts.  Interest Rate and APY may change.
Individual Retirement Accounts: No minimum deposit or balance required.
IRA CDs: $10,000.00 minimum deposit required.  Stated yield on IRA CDs assumes
interest is left to compound.  Substantial penalty for early withdrawal from IRA CDs.

Premier Checking
MINIMUM BALANCE INTEREST RATE APY**
0.01 - $10,000.00 2.25% 2.27%
10,000.01 - $100,000.00 0.35% 0.35%
100,000.01 - $250,000.00 0.45% 0.45%
250,000.01 and Above 0.50% 0.50%

Certain qualifications apply to earn these interest rates and if requirements are not met, the balance will earn .05% interest and .05% APY**. Please contact a personal banker today to learn more about Premier checking!

Fees may reduce earnings on these accounts. Interest rates and APY may change.
Minimum deposit required to open an account is $50. Interest coumpounded monthly.

Plus Interest Checking Accounts
TIERS INTEREST RATE APY**
.01-49,999.99 0.15% 0.15%
50,000.00-99,999.99 0.20% 0.20%
100,000.00-249,999.99 0.25% 0.25%
250,000.00-499,999.99 0.30% 0.30%
500,000.00-999,999.99 0.35% 0.35%
1,000,000.00 and Above 0.40% 0.40%

$50.00 deposit to open.  Daily minimum balance above $500.00 - no monthly maintenance fees. 
If minimum balance falls below $500.00 - $6.00 maintenance fee per month.
Fees may reduce earnings on these accounts.  Interest Rate & APY may change.

Gold Checking Accounts
TIERS INTEREST RATE APY**
1,000.00-49,999.99 0.15% 0.15%
50,000.00-99,999.99 0.20% 0.20%
100,000.00-249,999.99 0.25% 0.25%
250,000.00 and Above 0.30% 0.30%

$50.00 deposit to open.  Fees may reduce earnings on these accounts..  Interest Rate and APY may change.

**Annual Percentage Yield
Note: Interest Rates are subject to change without notice.

For Federal Deposit Insurance Corporation (FDIC) purposes, a depositor's account balances in Bruning Bank will be aggregated with any account balances of the depositor in the following offices, branches, or internet sites of Bruning Bank:

Bruning Bank - Hebron Branch
Bruning Bank - Broken Bow Branch
Bruning Bank - Holdrege Branch
Bruning Bank - Kearney Branch

The total account balances of a depositor with Bruning Bank and its offices and branches will have the benefit of the deposit insurance coverage that the FDIC provides to a depositor's accounts in a single bank.  To determine the level of FDIC deposit insurance coverage available on accounts in a single bank, please ask for the FDIC brochure "Your Insured Deposit" or visit www.fdic.gov and, in the "Consumer Resources" section, click on "Your Insured Deposit."