Our best deposit rates♦
Rates effective as of 12/09/2024
Certificates of Deposit (CDs) Promotions+
| Certificates of Deposit (CDs) Promotions+ | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 7 Month CD* | $5,000.00 | 3.97% | 4.00% |
| 13 Month CD* | $5,000.00 | 3.75% | 3.76% |
| 24 Month CD* | $5,000.00 | 3.76% | 3.76% |
Certificates of Deposit (CDs) Rates+
| Certificates of Deposit+ | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 3 Month CD | $500.00 | 0.35% | 0.35% |
| 6 Month CD | $500.00 | 0.45% | 0.45% |
| 9 Month CD | $500.00 | 0.45% | 0.45% |
| 12 Month CD | $500.00 | 0.75% | 0.75% |
| 18 Month CD | $500.00 | 0.75% | 0.75% |
| 24 Month CD | $500.00 | 2.50% | 2.50% |
| 36 Month CD | $500.00 | 3.00% | 3.00% |
| 48 Month CD | $500.00 | 3.00% | 3.00% |
| 60 Month CD | $500.00 | 3.00% | 3.00% |
| 84 Month CD | $500.00 | 1.40% | 1.40% |
Money Market Account Rates**
| Balance | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| $0.01–$9,999.99 | $2,000.00 | 0.06% | 0.06% |
| $10,000.00–$39,999.99 | $2,000.00 | 0.15% | 0.15% |
| $40,000.00–$89,999.99 | $2,000.00 | 0.30% | 0.30% |
| $90,000.00–$249,999.99 | $2,000.00 | 0.35% | 0.35% |
| $250,000.00 or more | $2,000.00 | 0.40% | 0.40% |
Health Savings Account Rates**
| Account Type | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Individuals | $100.00 | 0.40% | 0.40% |
Regular Savings Account Rates**
| Account Type | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Individuals*** / Businesses | $100.00 | 0.05% | 0.05% |
Checking Account Rates** (not available as an IRA)
| Account | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Elite Rewards and Independence Plus | $100.00 | 0.04% | 0.04% |
| Business Elite (Sole Proprietor Only) | $100.00 | 0.04% | 0.04% |
+ All Certificates of Deposit are subject to substantial penalty for funds withdrawn prior to maturity. All Certificate of Deposit, High Yield Money Market Account and Savings Account information also applies to IRAs (unless indicated otherwise). For CD promotions no brokered, institutional or out-of-state funds.
Minimum balance to earn APY is $0.01. Fees or withdrawals could reduce the Annual Percentage Yield (APY) on the above accounts. Disclosures on fees, transaction limitations and other product features are contained in our Consumer Deposit Account Fee Schedule, applicable Product Information Brochure, and our Terms and Conditions.
*CDs will automatically renew into a non-promotion CD for the following terms: 7-month CD promotion (6-month term), 13-month CD promotion (12-month term), 24-month CD promotion (24-month term).
** All Interest Rates and Annual Percentage Yields (APY) are current as of this date but are subject to change at our discretion. The disclosed APY assumes that the interest will remain on deposit; interest withdrawals will affect APY. Bank uses the daily balance method to calculate the interest on your account. This method applies a daily rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Interest is compounded and credited monthly on your collected balance. These are variable rate accounts. The interest rate that corresponds to the amount on deposit is paid on the full balance.
*** Minimum Opening Deposit is $10 for account holders under age 18.
Our best mortgage interest rates
Our best rates for loans
2022 or Newer Auto/Truck Motorcycle Loans
| Term | APR* | Monthly Payment** |
|---|---|---|
| 36 Months | 6.39% | $30.60 |
| 48 Months | 6.54% | $23.73 |
| 60 Months | 6.80% | $19.71 |
| 72 Months | 7.30% | $17.19 |
| 84 Months | 8.05% | $15.61 |
2014–2021 Auto/Truck/Motorcycle Loans
| Term | APR* | Monthly Payment** |
|---|---|---|
| 36 Months | 6.94% | $30.85 |
| 48 Months | 7.19% | $24.03 |
| 60 Months | 7.65% | $20.11 |
| 72 Months | 8.45% | $17.75 |
2013 or Older Auto/Truck/Motorcycle Loans
| Term | APR* | Monthly Payment** |
|---|---|---|
| 24 Months | 8.19% | $45.31 |
| 36 Months | 8.35% | $31.50 |
| 48 Months | 8.50% | $24.65 |
| 60 Months | 9.00% | $20.76 |
| 72 Months | 9.30% | $18.17 |
2022 or Newer Recreational Vehicle and Boat Loans
| Term | APR* | Monthly Payment** |
|---|---|---|
| 36 Months | 8.24% | $31.45** |
| 48 Months | 8.24% | $24.53** |
| 60 Months | 9.19% | $20.85** |
| 72 Months | 9.69% | $18.37** |
| 120 Months | 10.94% | $343.53*** |
2015–2021 Used Recreational Vehicle and Boat Loans
| Term | APR* | Monthly Payment** |
|---|---|---|
| 36 Months | 8.95% | $31.78 |
| 48 Months | 9.19% | $24.98 |
| 60 Months | 9.69% | $21.09 |
| 72 Months | 9.95% | $18.50 |
2014 or Older Used Recreational Vehicle and Boat Loans
| Term | APR* | Monthly Payment** |
|---|---|---|
| 24 Months | 10.74% | $46.49 |
| 36 Months | 10.74% | $32.62 |
Additional loans
We understand you may need a loan outside of the options listed above, and we are here to help. Bank of Sun Prairie also offers other personal loans such as:
- Secured fixed-rate loans secured with cash, stocks, bonds, CDs, savings accounts, etc.
- Unsecured fixed-rate loans starting at $1,000.00
- Personal lines of credit
Contact us today for information!
* APR is Annual Percentage Rate. Rates shown reflect a 0.25% discount for automatic payments withdrawn from a Bank of Sun Prairie checking account in your name. Without automatic payments withdrawn from a Bank of Sun Prairie checking account, rates will be 0.25% higher. APR may increase after loan closing if automatic payments are discontinued. Rate discount is subject to checking account qualification.
** Monthly payment is based on payment per $1,000.00 borrowed for term and rate shown above. Rate is based on qualifying credit scores of 720+ and subject to change based on actual credit score and repayment option.
*** Monthly payment shown above is based on a minimum loan amount of $25,000.00 for the 120-month term.
Today’s rates are subject to change at any time without notice.
Loan is subject to credit approval.