Personal Accounts
| Account | Minimum Balance to Open | Minimum Balance to Obtain APY* | Interest Rate | APY* |
|---|---|---|---|---|
| Let's Grow Earnings | $50.00 | Up to and including $15,000.00 | 4.8889% | 5.00% |
| Balances above $15,000.00 | 0.2497% | 5.00% to 0.87% | ||
| **Entire Balance | **0.05% | **0.05% | ||
| Health Savings Account | $100.00 | $100.00 | 0.35% | 0.35% |
| Let's Grow Savings | $50 | Up to and including $100,000.00 | 1.9819% | 2.00% |
| Balances above $100,000.00 | 0.2497% | 2.00% to 1.13% | ||
| **Entire Balance | **0.05% | **0.05% | ||
| Simply Savings | $100.00 | $100.00 | 0.30% | 0.30% |
| Kool Kid Savings | $25.00 | $25.00 | 0.30% | 0.30% |
| Club Account | $10.00 | $10.00 | 0.30% | 0.30% |
| IRA Savings | $100.00 | $100.00 | 0.30% | 0.30% |
| Prairie Premier Money Market | $1,000.00 | $1,000.00 | 0.50% | 0.50% |
| $10,000.00 | 0.60% | 0.60% | ||
| $50,000.00 | 1.00% | 1.00% | ||
| $100,000.00 | 1.10% | 1.11% | ||
| $250,000.00 | 1.20% | 1.21% | ||
| Elite Money Market | $25,000.00 | $0.01 | 0.80% | 0.80% |
| $25,000.00 | 1.00% | 1.00% | ||
| $50,000.00 | 1.10% | 1.11% | ||
| $100,000.00 | 1.20% | 1.21% | ||
| $250,000.00 | 1.30% | 1.31% |
- *APY = Annual Percentage Yield
- **Non-Qualifying Balance and Corresponding Rates
- Rates are effective as of 10/19/2026
- Rates are subject to change at any time without prior notice
- Fees may reduce earnings
Certificates of Deposit
| Account | Minimum Balance to Open | Minimum Balance to Obtain APY* | Interest Rate | APY* |
|---|---|---|---|---|
| 90-Day | $5,000.00 | $5,000.00 | 1.54% | 1.55% |
| 6 Month | $5,000.00 | $5,000.00 | 1.59% | 1.60% |
| 1 Year | $1,000.00 | $1,000.00 | 1.64% | 1.65% |
| 18 Month | $1,000.00 | $1,000.00 | 1.69% | 1.70% |
| 2 Year | $1,000.00 | $1,000.00 | 1.74% | 1.75% |
| 30 Month | $1,000.00 | $1,000.00 | 1.84% | 1.85% |
| 3 Year | $1,000.00 | $1,000.00 | 1.84% | 1.85% |
| 4 Year | $1,000.00 | $1,000.00 | 1.89% | 1.90% |
| 5 Year | $1,000.00 | $1,000.00 | 1.99% | 2.00% |
Certificates of Deposit Promotional Rates
| Account | Minimum Balance to Open | Minimum Balance to Obtain APY* | Interest Rate | APY* |
|---|---|---|---|---|
| 7 Month | $1,000.00 | $1,000.00 | 3.60% | 3.65% |
| 13 Month | $1,000.00 | $1,000.00 | 3.94% | 4.00% |
- *APY=Annual Percentage Yield
- Rates are effective as of 10/19/2026
- Rates are subject to change at any time without prior notice
- Substantial penalty for early withdrawal from certificates of deposit
- Annual percentage yield assumes rate remains the same for one year on maturities less than one year and that interest is added to the principal on all accounts
- Fees may reduce earnings
Business Accounts
| Account | Minimum Balance to Open | Minimum Balance to Obtain APY* | Interest Rate | APY* |
|---|---|---|---|---|
| Business Interest Checking | $5,000.00 | $5,000.00 | 0.30% | 0.30% |
| Prairie's Community Checking | $2,500.00 | $2,500.00 | 0.30% | 0.30% |
| Business Savings | $500.00 | $500.00 | 0.30% | 0.30% |
| Business Money Market | $2,500.00 | $2,500.00 | 0.60% | 0.60% |
| $50,000.00 | 1.00% | 1.00% | ||
| $100,000.00 | 1.10% | 1.11% | ||
| $250,000.00 | 1.20% | 1.21% |
- *APY=Annual Percentage Yield
- Rates are effective as of 10/19/2026
- Rates are subject to change at any time without prior notice
- Fees may reduce earnings
