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Rates Effective as of
December 1, 2016
Interest Rate Annual Percentage
Yield
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
.12%

.12%

$10,000

Health Savings Account


$0 - $4,999.99

.05%

.05%

$5,000 - $9,999.99

.08%

.08%

$10,000 or Greater

.10%

.10%

Annual Percentage Yield (APY) and Rates are subject to change without notice. Penalties for early withdrawal may apply. Minimum balances are required to open and maintain this yield as indicated above. Interest is paid monthly. Deposits are not accepted at our Elmore Office (352 Rice Street, Elmore). Fees may reduce earnings on accounts other than Certificates of Deposit. 

Rates are subject to change without notice after account opening. Contact any of our branch managers or tellers for further information about applicable fees and terms. Early closing fee may apply.

Money Market bonus interest rate given when account receives automatically transferred funds of a minimum of $75 monthly from a GenoaBank checking or savings account.

*Minimum Balance to Open Account $50. 
**Minimum Balance to Open Account $2. 
Rates Effective as of
December 1, 2016

Interest Rate

APY

Minimum Balance




Sixty-Month 

1.58%

1.59%

$1,000

Forty-Eight Months .95%

.95%

$1,000

Thirty-Six Months.70%.70%$1,000

Thirty-Months.51%.51%$1,000
Twenty-Four Months
.41% .41% $1,000
Eighteen-Month 

.21%

.21%

$1,000

Fifteen-Month Special

.51%.51%$1,000
Twelve-Months

.26%

.26%

$1,000

182-Day (Six-Months)
.07%.07%
$1,000
Thirteen-Weeks (91-Days) .07% .07% $1,000
Thirty-One Days.07%
.07%
$1,000

Rates are subject to change without notice. Annual Percentage Yield (APY) is effective as of the date of this issue and based on $1,000 deposit. Minimum balance of $1,000 required to open and maintain this yield. Interest is paid monthly. Penalties for early withdrawal may apply. Minimum balances are required to open and maintain this yield. Interest is paid monthly. Deposits are not accepted at our Elmore Office (352 Rice Street, Elmore). Fees may reduce earnings on accounts other than Certificates of Deposit.

*Rates are subject to change without notice after account opening. Contact any of our branch managers or tellers for further information about applicable fees and terms. Early closing fee may apply to all savings and checking products.

**Money Market bonus interest rate given when account receives automatically transferred funds of a minimum of $75 monthly from a GenoaBank checking or savings account.

Auto Loan Rates
Effective as of December 1, 2016

Term Max

Rate
(as low as)

APR*
(as low as)

Model Year
2016-2015

72-Months4.25%
4.500% APR*
Model Year
2016-2015
60-Months
4.00% 4.296% 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 $31,000 loan amount with a loan document fee of $225. Principal and interest (P & I) for a 72-month loan at 4.25% is $493.05 per monthly payment. Loan is based on $0.00 down payment. Principal and interest (P & I) for a 60-month loan at 4.00% is $576.18 per monthly 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.

CD Specials

Your local GenoaBank offers you safe and strong investment options that yield returns in more ways than one.

Put your money to work and your mind at ease with a GenoaBank Certificate of Deposit.