Interest Rates

Personal Checking

Account TypeMinimum Deposit to OpenBalance to Obtain Annual Percentage YieldInterest-bearingAnnual Percentage YieldMonthly Paper Statement FeeMonthly Service FeeHow to Avoid Monthly Service FeeFree Checks
Salin Checking$50No minimum balanceNoNone$3.00
$0.00 with
Salin E-Checking $50No minimum balance0.02%0.02%$0.00
10 Debit Card Point of Sale Transactions,
Direct Deposit*
Salin Interest Checking$50
$10,000 & above

$0.00$10.00$2,500 minimum
average balance
One box of Salin
Specialty Blue
per calendar year**

Variable rate current as of 5/22/2017 and subject to change at any time. Fees may reduce earnings.
*Account must be enrolled in E-Statements, have at least one monthly direct deposit and have a minimum of ten (10) "point of sale" debit card transactions posted each monthly statement period, to receive a rebate of the monthly service fee.
**Other check styles may be purchased, cost varies by check style, ask a crewmember for details.
FREE Mobile Banking with Mobile Deposit (There is no charge from Salin Bank, but data carrier charges apply.)
FREE Online E-Statements.
FREE Online Banking with Bill Pay on all checking products.

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 5/22/2017 and subject to change at any time.
Fees may reduce earnings. *APY = Annual Percentage Yield

Business Accounts

Account TypeMinimum Deposit to OpenMonthly Service FeeMonthly Transaction LimitMinimum Monthly Balance to Avoid Maintenance FeesPaper Statement FeeInterest AvailableBill Pay
Salin Analysis Business Checking$50$15Unlimited *Earnings credit rate applied to investable balance, to offset some or all fees$5Interest is available in lieu of earnings credit for non-profits and municipalities$6.50 monthly****
Salin Premier Business Checking$10,000$15500**$10,000$5YesFree
Salin Business Checking$50$15500**$5,000$5No$6.50 monthly
Salin Small Business Checking$50None150***None$5No$6.50 monthly
Salin Premier Business Savings $10,000$156 withdrawals or debits per month maximum$10,000NoneYes$6.50 monthly
Salin Statement Business Savings$300$36 withdrawals or debits per month maximum$300NoneYes$6.50 monthly

Fees may reduce earnings.
NOTE: There is a fee to buy paper checks for all accounts; fees vary depending upon the check style selected. Images of paid checks for all accounts are available online only.
* Activity is analyzed and charged on a per-item basis. Fees may be offset by earnings credit generated by the investable balances.
** Transaction activity includes the following free monthly services: Checks paid, ACH, deposits and deposited items. Once monthly limits are exceeded, a $.20 fee is assessed for Salin Premier Business Checking and Salin Business Checking
*** A $.50 fee is assessed for Salin Small Business Checking for every transaction processed during that statement cycle.
**** Free for ACH Origination clients.
FREE Mobile Banking with Mobile Deposit (There is no charge from Salin Bank, but data carrier charges may apply.)
FREE Online Banking on all checking products.
FREE Salin Bank Debit BusinessCard.
Treasury Management Services allowed on all checking products except Salin Small Business Checking.

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%
25 Month $1500Annually1.25%1.25%
49 Month $1500Annually1.75%1.75%

Rates are effective 5/22/2017 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%
12 Month Fixed Education IRA$500Quarterly0.22%0.22%
60 Month Fixed Education IRA$500Quarterly0.80%0.80%

Rates are effective 5/22/2017 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.

Apply Now Button


Home Equity Lines of Credit

Credit HistoryRates *
EXCELLENTPrime minus .26% to Prime plus 1.50%
GOODPrime plus .75% to Prime plus 2.00%
FAIRPrime plus 1.25% to Prime plus 2.50%
Prime Rate is Currently:4.00%


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.

Apply Now Button

Installment Loans

Other Installment Loans

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


Apply Now Button

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


Home Equity Line of Credit Disclosure Summary:


*All loans are subject to credit approval.  The minimum loan amount is $5,000.  This offer applies to owner occupied single family homes or condominiums only with Salin Bank in the first or second lien position.  Homeowner property insurance and in some cases flood insurance is required.  Salin Bank does not escrow for taxes and insurance on this loan.

The rate is variable and is indexed to the Prime Rate as published in the “Money Rate” column of the Wall Street Journal.  As of 3/17/2017, the Prime Rate is 4.00%.  Your rate is based on your total loan-to-value (LTV) and credit qualifications.  The rate can range from a variable Annual Percentage Rate (APR) of Prime minus .26% to Prime + 2.5% APR.  Your rate may increase or decrease over the term of the loan but will not exceed 25.00% APR.  In order to receive a Prime minus .26% APR, requires automatic monthly payments from any deposit account, a minimum credit score of 715 and LTV of 80% or less.  Your actual APR may be higher depending upon your credit score and LTV.  A higher LTV may be available when the loan request is conjunction with a Salin Bank first mortgage.

There is no annual fee for the first year, then $79 thereafter.  The annual fee can be waived for the life of the loan by adding .50% to the rate.  There are no closing costs.  However, if you terminate the account within 36 months of the contract date, we will add a fee equal to $400 or 2% of the outstanding principal balance, whichever is less, except for refinances with Salin Bank.
Interest only payment options are available.  Interest only payments will not reduce principal and will result in a balloon payment at maturity. 

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.  

The minimum lock amount is$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 are available for up to seven (7) year terms.   Interest only payment rate locks are available for up to seven (7) year terms.

Salin Bank is an Equal Housing Lender and member FDIC.

Member FDIC Image Logo, Equal Housing Lender Logo