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Rates Effective as of
July 1, 2015
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
.15%

.15%

$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
July 1, 2015
Interest Rate

APY

Minimum Balance




Sixty-Months 1.00%

1.00%

$1,000

Forty-Eight Months .85%

.85%

$1,000

Thirty-Three Months Special 
NEW MONEY ONLY
1.32%

1.33%

$1,000

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

.45%

.45%

$1,000

Twenty-Four Months

.25%

.25%

$1,000

Eighteen-Months

.25%

.25%

$1,000

Twelve-Months

.20%

.20%

$1,000

182 Day (Six-Months)

.05%

.05%

$1,000

Thirteen Weeks (91-Days) .05% .05% $1,000
Thirty-One Days.05%.05%
$1,000

Annual Percentage Yield (APY) and Rates are subject to change without notice. Penalties for early withdrawal may apply. Minimum balances of $1,000 required to open and maintain this yield. Interest is paid monthly. Deposits are not accepted at our Elmore Office (352 Rice Street, Elmore).

*
Rates are subject to change without notice. Annual Percentage Yield (APY) is effective as of 9/15/2014. Penalties for early withdrawal may apply. Minimum balance of $1,000 required to open and maintain this yield. Interest is paid monthly. Deposits are not accepted at our Elmore Office (352 Rice Street, Elmore). NEW Money Only. NEW Customers Only. Must be tied to DDA Account. Fees could reduce earnings. Investment limited to $100,000 per customer at this yield. Rate valid for CDs opened only at Sylvania Branch.

Auto Loan Rates
Effective as of July 1, 2015

Term Max

Rate
(as low as)

APR*
(as low as)

Model Year
2014-2013

72-Months4.25%
4.476% APR*
Model Year
2014-2013
60-Months
4.25% 4.518% 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 $200. Principal and interest (P & I) for a 72-month loan at 4.25% is $492.70 per monthly payment. Loan is based on $0.00 down payment. Principal and interest (P & I) for a 60-month loan at 4.25% is $579.31 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.

Freedom CD
We offer you the 
freedom to save on your terms. Whether you are a beginning saver or a long-time investor, a GenoaBank 33-Month Freedom CD offers both.

Click Here for Details

Vacation Club Savings Account
No matter what your perfect vacation is, the most relaxing vacation is one that's saved for!