Competitive Rates from Your Digital Community Bank
Deposit Rates Effective January 1, 2025
Deposit Rates
Certificates of Deposit
Comparison table of Certificates of Deposit
Interest Rate
Annual Percentage Yield*
Minimum Balance
31 Day CD
4.25%
4.33%
$1,000.00
91 Day CD
3.50%
3.55%
$1,000.00
182 Day CD (6 Month)
1.75%
1.76%
$1,000.00
1 Year CD
1.90%
1.91%
$1,000.00
2 Year CD
2.10%
2.11%
$1,000.00
3 Year CD
2.25%
2.26%
$1,000.00
4 Year CD
2.50%
2.52%
$1,000.00
5 Year CD
2.75%
2.77%
$1,000.00
*A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Certificates of Deposit available for personal and business.
Please see a Universal Banker for more details and further account information and disclosures.
Individual Retirement Accounts
Comparison table of Individual Retirement Accounts
Interest Rate
Annual Percentage Yield*
Minimum Balance
1 1/2 Year IRA
1.90%
1.90%
$1,000.00
2 1/2 Year IRA
2.10%
2.10%
$1,000.00
3 1/2 Year IRA
2.25%
2.25%
$1,000.00
4 1/2 Year IRA
2.50%
2.50%
$1,000.00
1 1/2 Year Variable Rate IRA*
4.25%
4.33%
$100.00
IRA Money Market
0.95%
0.95%
$0.00
*A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Please see a Universal Banker for more details and further account information and disclosures.
V-Flight Checking
Comparison table of V-Flight Checking
Interest Rate
Annual Percentage Yield*
Minimum Balance
$0 - 25,000.00
1.80%
1.82%
$0.00
Amount of balance over $25,000
0.50%
0.50%
$0.00
Entire balance if monthly qualifiers are not met
0.01%
0.01%
$0.00
*Rates are variable and may be subject to change after the account is opened without notice. Fees may reduce earnings.
To earn premium interest each qualifier activity must post and settle to your account during the monthly statement cycle. ATM transactions do not count towards 10 debit card transactions. ATM reimbursements are paid when the account qualifies for premium interest. For any month when one or more of the qualifiers are not met during the statement cycle a base interest rate will be earned on the entire balance and no ATM reimbursements will be paid. eStatements are required, there will be a $5.00 monthly charge to receive a paper statement.
Please see a Universal Banker for V-Flight FAQ and further account information and disclosures.
New Horizons Checking
Comparison table of New Horizons Checking
Interest Rate
Annual Percentage Yield*
Minimum Balance
$0 - 5,000.00
0.25%
0.25%
$10,000.00
$5,000.01 - 25,000.00
0.30%
0.30%
$10,000.00
$25,000.01 - 100,000.00
0.50%
0.50%
$10,000.00
$100,000.01 - 250,000.00
1.05%
1.06%
$10,000.00
$250,000.00+
1.50%
1.51%
$10,000.00
*Rates are variable and may be subject to change after the account is opened without notice. Fees may reduce earnings.
Maintain a daily minimum balance of $10,000 in your New Horizons OR a combined deposit and loan relationship of $50,000 to avoid a monthly service charge. You will continue to earn the current interest rate if balance falls below minimum requirement.
Please see a Universal Banker for more details and further account information and disclosures.
Glider Checking
Comparison table of Glider Checking
Interest Rate
Annual Percentage Yield*
Minimum Balance
$0 - 5,000.00
0.25%
0.25%
$0.00
$5,000.01 - 25,000.00
0.30%
0.30%
$0.00
$25,000.01 - 100,000.00
0.50%
0.50%
$0.00
$100,000.01 - 250,000.00
1.05%
1.06%
$0.00
$250,000.00+
1.50%
1.51%
$0.00
*Rates are variable and may be subject to change after the account is opened without notice. Fees may reduce earnings.
Please see a Universal Banker for more details and further account information and disclosures.
Premier Checking
Comparison table of Premier Checking
Interest Rate
Annual Percentage Yield*
Minimum Balance
$0 - 100,000.00
0.55%
0.55%
$50,000.00
$100,000.01 - 250,000.00
1.30%
1.31%
$50,000.00
$250,000.00+
2.00%
2.02%
$50,000.00
*Rates are variable and may be subject to change after the account is opened without notice. Fees may reduce earnings.
Maintain a daily minimum balance of $50,000 in your Premier Checking account OR maintaining a combined personal deposit relationship of $250,000 to avoid a monthly service charge. You will continue to earn the current interest rate if balance falls below minimum requirement.
Please see a Premier Banker for more details and further account information and disclosures.
Money Market - Personal
Comparison table of Money Market - Personal
Interest Rate
Annual Percentage Yield*
Minimum Balance
$0 - 100,000.00
1.05%
1.06%
$5,000.00
$100,000.01 - 250,000.00
1.55%
1.56%
$5,000.00
$250,000.01 - 500,000.00
1.80%
1.82%
$5,000.00
$500,000.01 - 1,000,000.00
2.10%
2.12%
$5,000.00
$1,000,000.01 - 5,000,000.00
2.30%
2.32%
$5,000.00
$5,000,000+
2.45%
2.48%
$5,000.00
*Rates are variable and may be subject to change after the account is opened without notice. Daily minimum balance to be maintained to avoid monthly service charge. You will continue to earn the current interest rate if balance falls below minimum requirement. Fees may reduce earnings.
You may not make more than six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Interest is credited and compounded monthly based on the daily collected balance.
Money Market Accounts available for personal and business.
Please see a Universal Banker for more details and further account information and disclosures.
Money Market - Business
Comparison table of Money Market - Business
Interest Rate
Annual Percentage Yield*
Minimum Balance
$0 - 100,000.00
1.05%
1.06%
$5,000.00
$100,000.01 - 250,000.00,
1.55%
1.56%
$5,000.00
$250,000.01 - 500,000.00
1.80%
1.82%
$5,000.00
$500,000.01 - 1,000,000.00
2.10%
2.12%
$5,000.00
$1,000,000.01 - 5,000,000.00
2.30%
2.32%
$5,000.00
$5,000,000+
2.45%
2.48%
$5,000.00
*Rates are variable and may be subject to change after the account is opened without notice. Daily minimum balance to be maintained to avoid monthly service charge. You will continue to earn the current interest rate if balance falls below minimum requirement. Fees may reduce earnings.
You may not make more than six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Interest is credited and compounded monthly based on the daily collected balance.
You may not make more than six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Interest is credited and compounded monthly based on the daily collected balance.
Money Market - Business accounts are available to business and non-personal customers. Please see a Universal Banker for more details and further account information and disclosures.
Money Market - Municipal
Comparison table of Money Market - Municipal
Interest Rate
Annual Percentage Yield*
Minimum Balance
$0 - 100,000.00
1.05%
1.06%
$5,000.00
$100,000.01 - 250,000.00
1.55%
1.56%
$5,000.00
$250,000.01 - 500,000.00
1.80%
1.82%
$5,000.00
$500,000.01 - $1,000,000.00
2.10%
2.12%
$5,000.00
$1,000,000.01 - 5,000,000.00
2.30%
2.32%
$5,000.00
$5,000,000+
2.45%
2.48%
$5,000.00
*Rates are variable and may be subject to change after the account is opened without notice. Daily minimum balance to be maintained to avoid monthly service charge. You will continue to earn the current interest rate if balance falls below minimum requirement. Fees may reduce earnings.
You may not make more than six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Interest is credited and compounded monthly based on the daily collected balance.
Money Market - Municipal accounts are available for public funds. Please see a Universal Banker for more details and further account information and disclosures.
Statement Savings
Comparison table of Statement Savings
Interest Rate
Annual Percentage Yield*
Minimum Balance
Statement Savings
0.30%
0.30%
$250.00
*Rates are variable and may be subject to change after the account is opened without notice. Fees may reduce earnings.
Minimum balance waived for those ages under 18 and 55 or better. All accounts will continue to earn the current interest rate if balance falls below minimum requirement. Preauthorized and telephone transfers from this account are limited to six per month. You may make 3 in person withdrawals each month, a fee will be assessed for each subsequent in person withdrawal.
Statement Savings available for personal and business.
Please see a Universal Banker for more details and further account information and disclosures.
Christmas Savings
Comparison table of Christmas Savings
Interest Rate
Annual Percentage Yield*
Minimum Balance
Christmas Savings
0.50%
0.50%
$0.00
*Rates are subject to change after account maturity. Withdrawal restrictions apply. Fees may reduce earnings.
Please see a Universal Banker for more details and further account information and disclosures.
Health Savings Account
Comparison table of Health Savings Account
Interest Rate
Annual Percentage Yield*
Minimum Balance
$0 - 499.99
0.05%
0.05%
$0.00
$500.00 - 1,499.99
0.30%
0.30%
$0.00
$1,500.00 - 49,999.99
0.35%
0.35%
$0.00
$50,000.00+
0.45%
0.45%
$0.00
*Rates are variable and may be subject to change after the account is opened without notice. Fees may reduce earnings.
Please see a Universal Banker for more details and further account information and disclosures.
Lending Rates
Mortgage Options
Comparison table of Mortgage Options
Product
Interest Rate
APR*
Learn More
30 Year Fixed Rate
6.875%
6.938%
Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $125,000. The property is located within a Wisconsin county where Horicon Bank has a branch office. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 30 days and the assumed credit score is 750.
At a 6.875% interest rate, the APR for this loan type is 6.938%. The payment schedule would be:
359 payments of $656.93 at an interest rate of 6.875% 1 payment of $656.45 at an interest rate of 6.875% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
20 Year Fixed Rate
6.750%
6.831%
Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $125,000. The property is located within a Wisconsin county where Horicon Bank has a branch office. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 30 days and the assumed credit score is 750.
At a 6.750% interest rate, the APR for this loan type is 6.831%. The payment schedule would be:
239 payments of $760.36 at an interest rate of 6.750% 1 payment of $761.33 at an interest rate of 6.750% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
15 Year Fixed Rate
6.250%
6.350%
Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $125,000. The property is located within a Wisconsin county where Horicon Bank has a branch office. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 30 days and the assumed credit score is 750.
At a 6.250% interest rate, the APR for this loan type is 6.350%. The payment schedule would be:
179 payments of $857.42 at an interest rate of 6.250% 1 payment of $857.95 at an interest rate of 6.250% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Rates effective as of May 15, 2025.
