Find Locations | About Us | Online Banking Sign In | Sign Up For Our Newsletter!

Current Product Rates

Interest Rates current as of Wednesday Jul 27, 2016 (Interest Rates Subject to Change Without Notice)

Checking Accounts

Interest Rewards Checking
Balance Required to Earn APY
APY
$0.01 to $25,000
0.75%
Over $25,000
0.50%
Base Rate if Requirements not met
0.10%

Premier Interest Checking
Balance Required to Earn APY
APY
$100,000 and up
0.25%
$50,000 to $99,999.99
0.15%
$25,000 to $49,999.99
0.10%
$10,000 to $24,999.99
0.10%
$5,000 to $9,999.99
0.05%
under $5,000
0.05%

To obtain the Rewards Rates for Interest Rewards Checking, each statement cycle you must have 1) either a direct deposit transaction, an ACH debit, or ACH credit posted to the account, 2) you must make a minimum of 12 signature based VISA check credit transactions, and 3) be enrolled in Online Banking and receive e-Statements. Any statement cycle the Rewards Requirements are not met you receive the base rate.

Interest on Premier Interest Checking and Interest Rewards Checking is compounded daily, credited monthly.>

Saving Accounts

Health Savings Accounts
Balance Required to Earn APY
APY
$0.01
0.30%

Health Savings Accounts interest is compounded monthly, credited monthly. Premier Yield Account interest is compounded daily, credited monthly. Statement Savings Accounts are compounded monthly and credited monthly. Holiday Club Accounts are simple interest accounts and are not compounded. Holiday Club Accounts are credited annually at maturity.

 

Premier Yield
Balance Required to Earn APY
APY
$125,000 & Up
0.30%
$75,000 to $124,999.99
0.20%
$25,000 to $74,999.99
0.15%
$10,000 to $24,999.99
0.05%
under $10,000
0.05%

Statement Savings
Balance Required to Earn APY
APY
$50
0.10%

Holiday Club
Balance Required to Earn APY
APY
$10
0.15%

Fixed Rate IRA's

Term Minimum Balance to Open
APY
6 Months
$500
0.15%
8 Months
$500
0.15%
9 Months
$500
0.15%
10 Months
$500
0.20%
11 Months
$500
0.25%
12 Months
$500
0.60%
13 Months
$500
0.25%
14 Months
$500
0.25%
15 Months
$500
0.25%
18 Months
$500
1.00%
21 Months
$500
0.35%
24 Months
$500
0.70%
30 Months
$500
0.85%
36 Months
$500
1.00%
48 Months
$500
1.00%
54 Months
$500
1.15%
60 Months
$500
1.30%

Interest on the above IRAs is compounded monthly and credited monthly. Minimum balance to earn interest is $0.01. Penalty for early withdrawal may be applied.

Money Market Accounts

Premier Money Market
Balance Required to Earn APY
APY
$100,000 and up
0.30%
$75,000 to $99,999.99
0.25%
$50,000 to $74,999.99
0.20%
$25,000 to $49,999.99
0.15%
$10,000 to $24,999.99
0.10%
$5,000 to $9,999.99
0.10%
Less than $5,000
0.00%

Money Market Statement
Balance Required to Earn APY
APY
$50
0.10%

Business Money Market
Balance Required to Earn APY
APY
$250,000 and up
0.30%
$100,000 to $249,999.99
0.25%
$50,000 to $99,999.99
0.20%
$25,000 to $49,999.99
0.10%
under $25,000
0.05%

Interest on Premier Money Market Accounts is compounded daily, credited monthly. Interest on Money Market Statement Accounts is compounded monthly, credited monthly. Interest on Business Money Market accounts is compounded daily, credited monthly.

Fixed Rate Certificates of Deposit

Term Minimum Balance to Open
APY
91 Day
$1,500
0.10%
6 Months
$1,500
0.15%
8 Months
$1,500
0.15%
9 Months
$1,500
0.15%
10 Months
$1,500
0.20%
11 Months
$1,500
0.25%
12 Months
$1,500
0.60%
13 Months
$1,500
0.25%
14 Months
$1,500
0.25%
15 Months
$1,500
0.25%
18 Months
$1,500
1.00%
21 Months
$1,500
0.35%
24 Months
$1,500
0.70%
30 Months
$1,500
0.85%
36 Months
$1,500
1.00%
48 Months
$1,500
1.00%
54 Months
$1,500
1.15%
60 Months
$1,500
1.30%

Interest on Certificates of Deposit is compounded monthly and credited monthly. Minimum balance to earn interest is $0.01. Penalty for early withdrawal may be applied.

No Penalty Certificate of Deposit

Term Minimum Balance to Open APY
7 Months
$1,500
0.05%

Interest on No Penalty Certificates of Deposit is compounded monthly and credited monthly. Minimum balance to earn interest is $0.01. Account must be open for at least 7days, after which, the account can be closed out without penalty.

Variable Rate Individual Retirement Accounts (IRAs)

Term Minimum Balance to Open
APY*
1 year variable rate IRA
$100
0.25%

*Interest is compounded monthly and credited monthly. Minimum balance to earn interest is $0.01. For One year variable rate IRA the rate is variable and subject to change at anytime..

Credit Card

We offer a wide range of credit card products. For more information call us at 302-658-6854. Offer of credit subject to credit approval.

Mortgage Rates

Fixed Rate Mortgages
Click Here For Our Current Mortgage Rates


Rates apply to loans up to $417,000. For mortgages over $417,000 please call for current rates.

Home Equity Loans

Term Minimum Loan Amount Loan to Value Ratio
APR
5 Year Fixed $50,000 Up to 80%
3.24%
10 Year Fixed $50,000 Up to 80%
15 Year Fixed $50,000 Up to 80%
20 Year Fixed $50,000 Up to 80%

Consult a Tax Advisor regarding the deductibility of interest.

Home Equity Lines of Credit

Product Loan to Value Ratio
APR
Home Equity Line of Credit (Applications Received After 11/7/2012) Up to 80%

This is a variable rate account. Annual Percentage Rate may increase after account is opened. Offer of credit subject to credit approval. Interest and Annual Percentage Rates (APR's) are subject to change without notice.

The Rate is the National Prime Rate of Interest as published in the Wall Street Journal. The rate is variable and may change monthly, based on the WSJ Prime, appearing on the first of the month. The Rate will never be higher than 19%. Consult a Tax Advisor regarding the deductibility of interest.

Auto, Truck, & Van Loans

Account Type
New or Pre-Owned
Loan to Value Ratio
APR
36 Month New Up to 80% 3.75%
48 Month New Up to 80% 4.25%
60 Month New Up to 80% 4.25%
36 Month Pre-Owned Up to 80% 4.50%
48 Month Pre-Owned Up to 80% 4.75%
60 Month Pre-Owned Up to 80% 5.00%

Pre-owned financing is limited to the lesser of: 80% of the loan-to-value of the NADA retail value, or 80% of the purchase price. Rates listed reflect automatic payment from an Artisans' Bank or other financial institution account. If, after opening the account, you change your payment method, your annual percentage rate may increase.

Personal Loans

Term Amount
APR
2 Years $500 to $1,500
15.25%
2 Years $1,501 to $3,000
14.25%
3 Years $3,001 to $4,999
14.00%
4 Years $5,000 to $25,000
12.99%
5 Years $5,000 to $25,000
12.99%

Rates listed reflect automatic payment from an Artisans' Bank or other financial institution account. If, after you open your account, you change your payment method, your annual percentage rate may increase.

Annual Percentage Yields (APY's) are subject to change without notice. Additional terms and conditions for all these accounts and fees that may be charged may reduce the APY. Offer of credit subject to credit approval. Interest and Annual Percentage Rates (APR's) are subject to change without notice.