Deposit Rates
Effective as of 10/01/2026
Banner Federal’s deposit accounts are a variable rate account. Dividend Rate may change after the account is opened.
Savings Accounts Rates**
Penalties will or may be imposed for early withdrawal.
APY = Annual Percentage Yield
| Savings Rates | APY | DIVIDEND RATE |
|---|---|---|
| Regular Shares $75 Minimum | 0.10% | 0.10% |
| Club Savings $75 Minimum | 0.10% | 0.10% |
| Checking $500 Minimum | 0.01% | 0.01% |
| Money Maximizer | APY | DIVIDEND RATE |
|---|---|---|
| $1 – $999 | 0.65% | 0.65% |
| $1,000 – $9,999 | 0.95% | 0.95% |
| $10,000 – $25,000 | 1.10% | 1.09% |
| $25,000+ | 1.30% | 1.29% |
| IRA Savings | Annual Percentage Yield | DIVIDEND RATE |
|---|---|---|
| $0 – $10,000 | 3.45% | 3.40% |
| $10,000+ | 3.50% | 3.45% |
Share Certificate Rates** (Savings and IRA)
Penalties will or may be imposed for early withdrawal.
APY = Annual Percentage Yield
| Terms/Balance | APY | DIVIDEND RATE |
| 6 Mo $500-$9,999 | 3.70% | 3.64% |
| 6 Mo $10,000 or Greater | 3.75% | 3.69% |
| 1 Year $500-$9,999 | 3.70% | 3.64% |
| 1 Year $10,000 or Greater | 3.75% | 3.69% |
| 18 Mo $500-$9,999 | 3.45% | 3.40% |
| 18 Mo $10,000 or Greater | 3.50% | 3.45% |
| 2 Years $500-$9,999 | 3.45% | 3.40% |
| 2 Years $10,000 or Greater | 3.50% | 3.45% |
| 30 Mo $500-$9,999 | 3.20% | 3.15% |
| 30 Mo $10,000 or Greater | 3.25% | 3.20% |
| 3 Years $500-$9,999 | 2.95% | 2.91% |
| 3 Years $10,000 or Greater | 3.00% | 2.96% |
Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Dividends are paid on the entire balance once the tier minimum is met.
Loan Rates
Effective 10/01/2026
*All loan rates are shown as Annual Percentage Rate or APR.
Example: A $25,000 closed-end loan, such as an auto loan, for a term of 60 months with a 6.24% APR, the monthly payment would be $486.25 per month.
Auto Loan Rates
***73-84 months available on loans greater than $25K
| Term in Months | 2022 – New As low as: | 2017-2021 As low as: |
| 0-60 | 4.99% | 6.99% |
| 61-72 | 5.24% | 7.74% |
| ***73-84 | 5.99% | 8.49% |
New / Used Motorcycle
***84 month terms available on loans greater than $30K
| Terms in months | As low as: |
| 24 | 6.75% |
| 36 | 7.00% |
| 48 | 7.25% |
| 60 | 7.50% |
| 72 | 7.75% |
| ***84 | 8.00% |
RV‘s / Boats / ATV’s
***120 month terms available on loans greater than $35K
| Terms in Months | As low as: |
| 24 | 6.50% |
| 36 | 6.75% |
| 48 | 7.00% |
| 60 | 7.25% |
| 72 | 7.50% |
| 84 | 7.75% |
| 96 | 8.00% |
| 108 | 8.25% |
| 120*** | 8.50% |
Personal Loans & Lines of Credit
| Terms up to 60 months | As low as: |
| 10.99% Variable Rate APR* |
Home Equity / Second Mortgage ***
Lines of Credit and Closed End Available
| Terms up to 240 months | As low as: |
| 7.00% Variable Rate APR1 | |
| 7.50% Fixed Rate APR2 |
