Helping you build the Bemidji area since 1910

Rates & Yields


Security BankUSA Rates & Yields


Over 100 Years of Community Banking, Est. 1910.
Effective Date: January 19, 2017 - January 25, 2017


Security BankUSA Money Market Accounts


Minimum Balances Interest Rate APY**
$200,000 - $999,999,999.99 .35% .35%
$100,000 - $199,999.99 .30% .30%
$25,000 - $99,999.99 .25% .25%
$10,000 - $24,999.99 .25% .25%
$1,000 - $9,999.99 .20% .20%
$10,000 minimum deposit to open a tiered
Security BankUSA Money Market account

IRA Certificates of Deposit


Minimum Balances $1,000 - $9,999.99 $10,000 - $24,999.99 $25,000- $999,999,999.99 
Term Interest Rate APY* Interest Rate APY* Interest Rate APY*
12 Months .45% .45% .60% .60% .75% .75%
18 Months .45% .45% .65% .65% .80% .80%
30 Months .70% .70% .95% .95% 1.10% 1.10%
36 Months .75% .75% 1.00% 1.00% 1.15% 1.15%
Penalty may be imposed for early withdrawal
**Variable Rate IRAs: .70% / .70% APY

Certificates of Deposit


Minimum Balances $500 - $9,999.99 $10,000 - $24,999.99 $25,000- $999,999,999.99 
Term Interest Rate APY* Interest Rate APY* Interest Rate APY*
91 Day .10% .10% .30% .30% .45% .45%
182 Day .15% .15% .40% .40% .55% .55%
12 Month .45% .45% .60% .60% .75% .75%
18 Month .45% .45% .65% .65% .80% .80%
24 Month .55% .55% .80% .80% .95% .95%
30 Month .70% .70% .95% .95% 1.10% 1.10%
36 Months*** .75% .75% 1.00% 1.00% 1.15% 1.15%
48 Months*** 1.05% 1.05% 1.30% 1.31% 1.45% 1.46%
60 Months*** 1.35% 1.36% 1.60% 1.61% 1.75% 1.76%
Penalty may be imposed for early withdrawal

*APY Annual Percentage Yield.**Interest Rate and APY may change after account is opened. Fees may reduce earnings certificate. Contact an employee for further information regarding applicable fees, terms and conditions. Interest rate is paid on the entire balance.

***36, 48, & 60 Month Certificate of Deposit are option CDs, which allows you to change the rate once during the term of the certificate. Contact an employee for further information regarding applicable fees, terms, and conditions. Interest rate is paid on the entire balance.  


Security BankUSA Savings Accounts


Account Interest Rate APY*
Passbook Savings **1 .10% .10%
Christmas Club Savings **2 .10% .10%
Money Market **3 .20% .20%

Health Savings Accounts1


Minimum Balances Interest Rate APY**
$25,000 - $999,999,999.99 .95% .95%
$5,000 - $24,999.99 .70% .70%
$2,500 - $4,999.99 .35% .35%
Less than $2,500 .05% .05%

Security BankUSA Checking Accounts


Account Interest Rate APY*
Simply Free **1 N/A N/A
eFree **4 .10% .10%
Secure Plus **1    
$200,000 - $999,999,999.99  .20% .20%
$100,000 - $199,999.99 .15% .15%
$25,000 - $99,999.99 .15% .15%
$10,000 - $24,999.99 .10% .10%
$1,000 - $9,999.99 .10% .10%
$500 - $999.99 .10% .10%

*APY Annual Percentage Yield. All Annual Percentage Yields are figured on $1,000.00 balance.
** Interest Rate and APY may change after account is opened. Fees may reduce earnings.
Minimum balance to open account: 1 $100.00;  2 $5.00.

Minimum balance to earn APY: 3 $1,000.00; 4 $500.00
Contact an employee for further information regarding applicable fees, terms and conditions.

Mobile Banking and Mobile Deposit


Security BankUSA Mobile Banking is a fast, secure way to access your accounts from your mobile phone. Deposit your check using your smartphone. Anytime. Anywhere.

Mobile phone with Security Bank USA's logo displaying on the screen