Rates

Rates

Effective December 7, 2021

Certificates of Deposit
TERM
INTEREST RATE
APY**
COMPOUNDS
182 Days
0.10%
0.10%
Quarterly
9 Months
0.10%
0.10%
Quarterly
12 Months
0.20%
0.20%
Quarterly
18 Months
0.20%
0.20%
Quarterly
24 Months
0.25%
0.25%
Quarterly
30 Months
0.30%
0.30%
Quarterly
36 Months
0.40%
0.40%
Quarterly
48 Months
0.50%
0.50%
Quarterly
60 Months
0.60%
0.60%
Quarterly
84 Months*
0.85%
0.85%
Quarterly
$500 minimum deposit.  Interest on Certificates of Deposit may be mailed or deposited automatically.
Stated yield assumes interest is left to compound.  Substantial penalty for early withdrawal.
*For 84-mo CD only-$10,000 minimum deposit and 24 months interest penalty for early withdrawal.

Savings Accounts
  INTEREST RATE APY**
Savings Account 0.05% 0.05%
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. Minimum balance above $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. Monlthy average 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 0.05% 0.05%
2,500.00-24,999.99 0.10% 0.10%
25,000.00-49,999.99 0.10% 0.10%
50,000.00-74,999.99 0.15% 0.15%
75,000.00-99,999.99 0.15% 0.15%
100,000.00 and Above 0.20% 0.20%

$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) 0.20% 0.20%
12-Month IRA CD 0.20% 0.20%
36-Month IRA CD 0.40% 0.40%
84-Month IRA CD 0.85% 0.85%

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 2.00% 2.00%
$10,000.01 - $100,000.00 0.10% 0.10%
$100,000.01 - $250,000.00 0.20% 0.20%
$250,000.01 and Above 0.25% 0.25%

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.
 **Annual Percentage Yield.
Minimum deposit required to open an account is $50. Interest coumpounded monthly.


Plus Interest Checking Accounts
TIERS INTEREST RATE APY**
.01-49,999.99 0.05% 0.05%
50,000.00-99,999.99 0.10% 0.10%
100,000.00 and Above 0.10% 0.10%

$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 0.05% 0.05%
50,000.00-99,999.99 0.10% 0.10%
100,000.00 and Above 0.10% 0.10%

$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."