FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Telephone: 320.532.4142 or Toll Free 888.532.4142
Consumer Deposit Rates
effective 02/24/2026
Woodlands Select Plus
Interest is compounded daily and credited monthly. Interest checking is a variable rate account and the rate may change after the account is opened. *A $1000.00 opening deposit is required. A $7.00 monthly maintenance fee, plus 20¢ per paper item fee will be assessed if average daily balance for the statement period falls below $1000.00 and there is not at least one direct deposit per statement cycle and a minimum of 5 debit card transactions per statement cycle. Other restrictions apply. Please see your nearest personal banker for more information. *Fees could reduce earnings.
Savings Account
Interest is compounded daily and credited quarterly. All savings accounts are variable rate and rate may change after the account is opened. *A $50.00 opening deposit is required. A $1.00 monthly maintenance fee is assessed if the average daily balance for the month falls below $50.00. (Waived for customers under 18 years). *Fees could reduce earnings.
Money Market Savings
Interest is compounded daily and credited quarterly. Interest checking is a variable rate account and the rate may change after the account is opened. *A $2,500.00 opening deposit is required. A $5.00 monthly service charge is assessed if average daily balance for the statement period falls below $2,500.00. *Fees could reduce earnings.
Educational Savings (UTMA)
Interest is compounded daily and credited quarterly. All savings accounts are variable rate and rate may change after the account is opened. *25.00 minimum opening deposit. $5.00 withdrawal fee. $25.00 closing fee prior to age 18. *Fees could reduce earnings.
Certificates of Deposit
CD Specials
The nine (9) month CD has a $20,000 minimum deposit required. The eighteen (18) month CD has a $50,000 minimum deposit required. APY=Annual Percentage Yield. Interest for the nine (9) month CD will be compounded and credited at maturity. Interest for the eighteen (18) month CDwill be compounded semi-annually and credited semi-annually to the certificate. The listed APY for the nine (9) month and eighteen (18) month CDs are valid effective on new CD accounts opened after the effective date at the top of this page; offer may end at any time. After the CD term expires, the nine (9) month CD will renew to a six (6) month rate and the eighteen (18) month CD will renew to a twelve (12) month rate, which are determined at that time by the Woodlands National Bank CD rate for the appropriate CD term. Deposits are FDIC insured up to $250,000. A penalty may be imposed for early withdrawal. Any fees incurred could reduce earnings.
Standard CD Rates
*Penalty for early withdrawal may be imposed: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. *Fees could reduce earnings.