Rates :: Genoa Banking Company

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Rates Effective as of January 1, 2020	Interest Rate	APY	Minimum Balance
Statement Savings*	.05%	.05%	None
Christmas Club Savings**	.10%	.10%	None
Vacation Club Savings**	.15%	.15%	None
Interest-Checking
$1,000 - $9,999.99	.05%	.05%	$1,000
$10,000 or Greater	.10%	.10%	$10,000
Money-Market Savings
$1,000 - $4,999.99	.05%	.05%	$1,000
$5,000 - $9,999.99	.05%	.05%	$5,000
$10,000 or Greater	.10%	.10%	$10,000
Money-Market Savings Bonus Rate
$1,000 - $4,999.99	.05%	.05%	$1,000
$5,000 - $9,999.99	.10%	.10%	$5,000
$10,000 or Greater	.10%	.10%	$10,000
Health Savings Account
$0 - $4,999.99	.05%	.05%
$5,000 - $9,999.99	.08%	.08%
$10,000 or Greater	.10%	.10%

Interest rates and Annual Percentage Yields (APY) are subject to change without notice after account opening. Fees may reduce earnings. Contact any of our branch managers or tellers for further information about applicable fees and terms. Early closing fee may apply. Activity restrictions apply. Minimum balances listed above are required to open and maintain the stated yield. Money Market bonus interest rate applies when Money Market Savings account receives automatically transferred funds of $75 monthly from a GenoaBank checking or savings account.

Rates Effective as of January 1, 2020	Interest Rate	APY	Minimum Balance
Sixty-Month	1.98%	2.00%	$1,000
Forty-Eight Months	1.98%	2.00%	$1,000
Thirty-Six Months	1.74%	1.75%	$1,000
Thirty-Months	1.49%	1.50%	$1,000
Twenty-Four Months	1.39%	1.40%	$1,000
Eighteen-Month	1.29%	1.30%	$1,000
Thirteen-Month CD Special	1.49%	1.50%	$1,000
Twelve Month	1.19%	1.20%	$1,000
182-Day (Six-Months)	1.00%	1.00%	$1,000
Thirteen-Weeks (91-Days)	.50%	.50%	$1,000
Thirty-One Days	.50%	.50%	$1,000

Interest rates and Annual Percentage Yields (APY) are accurate as of the date listed above and are subject to change without notice. Interest is paid monthly.
Fees could reduce earnings on the account. The APY on all certificates of deposits (CD) assumes that principal and interest will remain on deposit until maturity.
A withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. $1,000 Minimum balance required to open a CD and maintain the stated yield. New money is defined as funds not currently on deposit with GenoaBank. Deposits are not accepted at our Elmore Office (352 Rice Street, Elmore).

Auto Loan Rates Effective as of January 1, 2020	Term Max	Rate (as low as)	APR* (as low as)

Auto Loan Special Model Year 2020-2016	60-Months	3.99%	4.368% APR*

Model Year 2018-2017	48-Months 66-Months	4.50% 4.50%	4.881% APR* 4.782% APR*

Boat Loan Rates	Contact a Branch Manager for our current rates

RV Loan Rates	Contact a Branch Manager for our current rates

Mortgage Loan Rates	Contact an Originator for our current rates

Commercial Loan Rates	Contact a Lender for our current rates

Subject to change without notice.

*Annual Percentage Rate (APR) based on a $25,000 loan amount with a loan document fee of $230. Principal and interest (P & I) for a 60-month loan at 3.99% is $465.60 per monthly payment. Loan is based on $0.00 down payment. Loans are subject to credit approval. Other fees may apply. Rate special applies only to new loans. Refinancing is available on loans from other financial institutions. Pre-existing GenoaBank loans are not eligible for refinancing.