Personal Checking

Account TypeMinimum Deposit to OpenBalance to Obtain Annual Percentage YieldInterest RateAnnual Percentage YieldCompounding
Completely Free Checking*$50No minimum balanceNoneNoneN/A
Premier Interest Checking*$50$10,000 & above
50+ Free Interest Checking *$50No minimum balance0.02%0.02%Monthly
VIP Free Interest Checking *$50No minimum balance0.02%0.02%Monthly

Variable rate current as of 06/17/2013 and subject to change at any time.
Fees may reduce earnings.
*Customer purchases checks.

Personal Savings

Account TypeMinimum Deposit to OpenBalance to Obtain Annual Percentage YieldInterest RateAPY*Compounding
Premier Personal Savings$10,000$100,000 & above
$49,999 - $10,000
$9,999 - $0
Statement Savings$50$25,000 & above
$4,999 - $300
$299 - $0

Variable rate current as of 06/17/2013 and subject to change at any time.
Fees may reduce earnings. *APY = Annual Percentage Yield

Business Accounts

Account TypeMinimum Deposit to OpenMinimum Balance to Avoid Service FeesInterest
Business Analysis Checking$50NoneEarnings credit may offset fees
Basic Business Checking$50$5,000Yes**
Salin Free Business Checking$50NoneNo
Premier Business Checking$10,000$10,000Yes**
Premier Business Savings $10,000$10,000Yes
Salin Business Savings$10,000$10,000Yes
Statement Business Savings$300$300Yes

Fees may reduce earnings.

Certificates of Deposit

TermMinimum DepositCompoundingRateAnnual Percentage Yield
3 Month$1500Maturity0.07%0.07%
6 Month$1500Maturity0.11%0.11%
8 Month $1500Maturity0.11%0.11%
12 Month $1500Annually0.22%0.22%
18 Month$1500Annually0.25%0.25%
24 Month$1500Annually0.30%0.30%
30 Month$1500Annually0.35%0.35%
36 Month$1500Annually0.45%0.45%
48 Month$1500Annually0.60%0.60%
60 Month $1500Annually0.80%0.80%
16 Month $1500Annually0.34%0.34%
43 Month $1500Annually1.10%1.10%

Rates are effective 09/16/2013 and are subject to change.
Substantial penalty for early withdrawal.

IRA Certificates of Deposit

TypeMinimum DepositCompoundingRateAPY*
12 Month Fixed IRA$1,500Quarterly0.22%0.22%
36 Month Fixed IRA$1,500Quarterly0.45%0.45%
48 Month Fixed IRA$1,500Quarterly0.60%0.60%
60 Month Fixed IRA$1,500Quarterly0.80%0.80%
12 Month Fixed ROTH IRA$1,500Quarterly0.22%0.22%
36 Month Fixed ROTH IRA$1,500Quarterly0.45%0.45%
60 Month Fixed ROTH IRA$1,500Quarterly0.80%0.80%
18 Month Variable ROTH IRA$1,500Quarterly0.25%0.25%
12 Month Fixed Education IRA$500Quarterly0.22%0.22%
60 Month Fixed Education IRA$500Quarterly0.80%0.80%

Rates are effective 01/14/2013 and are subject to change. Substantial penalty for early withdrawal.
*APY = Annual Percentage Yield

IRA Savings Account

TypeMinimum Deposit to Earn RateCompoundingRateAPY*
IRA Savings Tier 1$1 - $9,999Quarterly0.01%0.01%
IRA Savings Tier 2$10,000 - $24,999Quarterly0.01%0.01%
IRA Savings Tier 3$25,000 - $49,999Quarterly0.05%0.05%
IRA Savings Tier 4$50,000 - $99,999Quarterly0.07%0.07%
IRA Savings Tier 5$100,000 & AboveQuarterly0.11%0.11%
$50 minimum to open account    

*Annual Percentage Yield (APY). Payments from your Salin IRA Savings Account are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of a payment. Your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient. You may be required to pay estimated taxes even if you elect withholding. Rates may change after the account is opened. Fees may reduce earnings.

Home Equity Lines of Credit

Your home is an investment. Make the most of it with a home equity loan from Salin Bank. Use the money to make home improvements, take a family vacation, or pay for unexpected expenses.
We offer flexible and competitive rates and make the application process as easy as possible.



Home Equity Lines of Credit

Credit HistoryRates *
EXCELLENTPrime minus .26% to Prime plus 1.25%
GOODPrime plus .50% to Prime plus 1.25%
FAIRPrime plus 1.00% to Prime plus 1.75%
Prime Rate is Currently:3.25%


Personal Loans

Salin Bank is family owned and operated and that’s why we understand that families sometimes need a loan. Whatever your personal loan needs, Salin Bank is here to help. Our local bankers can show you how a personal loan can solve your financial needs without hurting your family’s budget. Use the money for any need, including:

  • Debt consolidation
  • Vacations
  • Unsecured
  • Personal Lines of Credit

Let the loan professionals at Salin Bank work with you now so you are not taken advantage of while shopping for your next car or boat. We can help you pre-determine what your budget should be and make the process much easier.


Installment Loans

Other Installment Loans

  • RV & Boat
  • Auto & Truck
  • Motorcycle – ATV – Personal Watercraft
  • Miscellaneous secured
  • CD secured


Contact your local branch or call 800.320.7536 or click here for additional contact information.


Home Equity Lines of Credit Disclosure


* Subject to credit approval. Minimum loan amount of $5,000. Rate is variable and is indexed to the Prime Rate as published in the "Money Rate" column of the Wall Street Journal. As of 5/29/2013, the Prime Rate is 3.25%. Your rate is based on your total loan-to-value (LTV) and credit qualifications and will range from a variable Annual Percentage Rate (APR) of Prime minus .26% to Prime + 1.75% APR. Monthly payments being auto debited from a Salin Bank deposit account, and a core deposit relationship is required in order to receive a Prime minus .26% APR. Your rate may increase or decrease over the term of the loan but cannot exceed 21.00% APR. No annual fee the first year, then $79 per year thereafter. Annual fee can be waived for the life of the loan by adding .50% to the rate. This offer applies to owner-occupied single family homes and condominiums only and we must be in first or second lien position. No closing costs. However, if the account is terminated within 36 months of the date of contract we will add a fee equal to $400 or 2% of the outstanding principal balance, whichever is less, except for refinances with Salin Bank. Property insurance, and in some cases flood insurance is required. LTV must not exceed 89.9%. Interest only payment option available. Interest only payments will not reduce principal and will result in a balloon payment at maturity. Salin Bank & Trust does not escrow for taxes and insurance on this loan. Interest may be tax deductible but check with your tax advisor regarding the deductibility of interest. Properties held in trust will require the trust agreement to be reviewed by third party legal counsel at your expense. You may fix all or a portion of your line at any time during the term of the line. The term of the locked portion of the line cannot exceed the maturity of the overall line. A $50 fixed rate lock fee for each rate lock applies. Rate lock terms are to be done in twelve (12) month increments. Up to three (3) fixed rate locks allowed. Minimum lock amount of $2,500. Fixed rate locks rates will be the Prime Rate as of the date the rate lock begins, plus a margin which will be determined based upon the period you want the rate lock to be in effect. Interest only payment rate locks available for up to seven (7) year terms. Salin Bank is an Equal Housing Lender and member FDIC.