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Mound City Bank Deposit Rates

Mound City Bank offers many different types of savings opportunities. Each of those options have unique interest rates that will fluctuate over time.

Choose a Product Rate

Here you will find links to explore to get a summary of our interest rates. Keeping an eye on interest rates can help you make informed financial decisions to meet your individual goals.

      Rates Accurate as of May 1, 2026

      Download Rates PDF

      CDARS & IntraFi Rates

      Certificate of Deposit – CD Option of IntraFi Network Deposits

      Account TypeEarly Withdrawal PenaltiesInterest RateAnnual Percentage Rates (APR)
      13 Week90 Days Interest2.03%2.05%
      26 Week90 Days Interest3.53%3.59%
      52 Week180 Days Interest3.43%3.49%
      2 Year (104 Week)360 Days Interest3.24%3.29%
      3 Year (156 Week)540 Days Interest3.14%3.19%

      IntraFi High Yield Money Market

      Balance AmountInterest RateAnnual Percentage Yield (APY)
      $5,000,000 - $6,999,9991.87% *1.89% *
      $3,000,000 - $4,999,9991.77% *1.79% *
      $1,000,000 - $2,999,9991.68% *1.69% *
      $750,000 - $999,9991.48% *1.49% *
      $500,000 - $749,9991.38% *1.39% *
      $250,000 - $499,9991.28% *1.29% *
      $0 - $249,9990.98% *0.99% *

      CDARS: $10,000.00 minimum deposit to open and minimum balance to obtain APY. The daily balance method calculates interest applying a daily periodic rate to the principal in your account each day. The APY assumes interest on deposit until maturity. An early withdrawal penalty may be imposed on the amount withdrawn before maturity and may invade the principal. A withdrawal will reduce earnings. Interest on C.D.’s is compounded daily and credited annually and at maturity. No additional deposits allowed. For the most current interest rates and APY’s call Mound City Bank at (608) 348-2685 or 1-888-622-6069. Current maximum FDIC Insurance available through CDARS network institutions is $50 million per account ownership. Maximum weekly issue per account ownership is $6 million with no more than $4 million in a single term of 4 to 52 weeks and $750,000 for longer terms. Certain aggregate bank maximums apply and may limit our acceptance of your deposit in any given week. These amounts are updated from time to time. Funds may be submitted only after a depositor enters into the CDARS Deposit Placement Agreement. The agreement contains important information and conditions regarding the placement of funds by Mound City Bank. Please read the agreement carefully before signing it. CDARS and Certificate of Deposit Account Registry Service are registered trademarks of Promontory Interfinancial Network, LLC.

      ICS: $250,000.00 minimum deposit to open.
      Placement of funds through the ICS (Insured Cash Sweep) service is subject to the terms, conditions and disclosures in the service agreements including the Deposit Placement Agreement (DPA). Please read the agreement carefully before signing it. Limits and customer eligibility criteria apply. Although funds are placed at designation banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (SMDIA), a depositor’s balances at Mound City Bank may exceed the SMDIA (e.g.before ICS settlement for a deposit or after ICS settlement for a withdrawal). As stated in the DPA, the depositor is responsible for making necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS satisfies those restrictions. ICS and Insured Cash Sweep are registered service marks of Promontory Interfinancial Network, LLC
      *The rate may change after the account is opened. Fees could reduce earnings on the above accounts. Daily balance method calculates interest by applying a daily periodic rate to the principal in your account each day.

      Certificate of Deposit

      We offer the ability to provide individualized Certificate of Deposit (CD). Stop in or call your Personal Bankers today for more information.

      Checking Account Interest Rates

      Account TypeMin. Bal. to Obtain APYMin. to OpenInterest RateAnnual Percentage Yield (APY)
      Fabulous 50 Interest Checking$0$250.03%*0.03%*
      Payday Interest Checking$0$250.03%*0.03%*
      Platinum Interest Checking$1,500 and over$250.07%*0.07%*
      $0 - $1,4990.03%*0.03%*
      Health Savings Account Checking (HSA)$10,000 and over$250.45%*0.45%*
      $2,500 - $9,9990.20%*0.20%*
      $1,000 - $2,4990.12%*0.12%*
      Non Profit Interest Checking$1,500 and over$250.07%*0.07%*
      $0 - $1,4990.03%*0.03%*
      Business Interest Checking$0$250.03%*0.03%*

      *The rate may change after the account is opened. Fees could reduce earnings on the above accounts. Daily balance method calculates interest applying a daily periodic rate to the principal in your account each day.

      Savings Rates

      Savings Account Interest Rates

      Minimum opening deposit of only $25.

      Account TypeMin. Bal.* to Obtain APIInterest Rate**Annual Percentage Yield (APY)**
      My Savings$00.10% *0.10% *
      Non Profit Statement Savings$00.10% *0.10% *
      Business Savings$00.10% *0.10% *

      * The Daily Balance Method calculates interest applying a daily periodic rate to the principal in your account each day.

      ** The rate may change after the account is open

      Fees could reduce earnings on the above accounts.

      Individual Retirement Account (IRA) Rates

      Account TypeEarly Withdrawal Penalties(3)Interest RateAnnual Percentage Yield (APY)
      18 Month Variable Rate3 mos. Interest2.37%*2.39%*
      36 Month Fixed Rate6 mos. Interest2.63%2.65%
      48 Month Variable Rate12 mos. Interest2.63%*2.65%*
      60 Month Fixed Rate12 mos. Interest2.46%2.48%
      60 Month Variable Rate12 mos. Interest2.63%*2.65%*

      * The rate may change after the account is opened.

      18 Month Variable Rate Minimum Guaranteed Interest Rate – 0.10%; APY 0.10%

      48 Month Variable Rate Minimum Guaranteed Interest Rate – 0.20%; APY 0.20%

      60 Month Variable Rate Minimum Guaranteed Interest Rate – 0.50%; APY – 0.50%

      Unless noted all IRA rates are fixed until maturity.

      We will charge the penalty first against any interest then in the account, and any excess will be deducted from the amount you withdraw.

      IRA’s: Interest on IRA’s is compounded and credited quarterly and at maturity. Deposit limits apply. No deposits 7 days before maturity. Interest begins to accrue no later than the business day that we receive the deposit of non-cash items (for example, checks).

      Contact us to assist you with your investment needs.

      Money Market Interest Rates

      My Money Market Rates

      Minimum opening deposit of only $25.

      Balance AmountInterest RateAnnual Percentage Yield (APY)
      $20,000 & Over0.30% *0.30% *
      $10,000 - $19,9990.20% *0.20% *
      $2,500 - $9,9990.15% *0.15% *
      $0 - $2,4990.12% *0.12% *

      Non Profit Money Market Rates

      Minimum opening deposit of only $25.

      Balance AmountInterest RateAnnual Percentage Yield (APY)
      $20,000 & Over0.30% *0.30% *
      $10,000 - $19,9990.20% *0.20% *
      $2,500 - $9,9990.15% *0.15% *
      $0 - $2,4990.12% *0.12% *

      Business Money Market Rates

      Balance AmountInterest RateAnnual Percentage Yield (APY)
      $20,000 & Over0.30% *0.30% *
      $10,000 - $19,9990.20% *0.20% *
      $2,500 - $9,9990.15% *0.15% *
      $0 - $2,4990.12% *0.12% *

      High Yield Performance Plus Investment Account (PPIA)***

      Minimum $20,000 Deposit To Open Account

      Balance AmountInterest RateAnnual Percentage Yield (APY)
      $5,000,000 - $6,999,9991.97% *1.99% *
      $3,000,000 - $4,999,9991.87% *1.89% *
      $1,000,000 - $2,999,9991.68% *1.69% *
      $750,000 - $999,9991.58% *1.59% *
      $500,000 - $749,9991.48% *1.49% *
      $250,000 - $499,9991.38% *1.39% *
      $100,000 - $249,9990.99% *0.99% *
      $50,000 - $99,9990.79% *0.79% *
      $20,000 - $49,9990.35% *0.35% *
      $0 - $19,9990.25% *0.25% *

      * The rate may change after the account is opened. Fees could reduce earnings on the above accounts. Daily balance method calculates interest applying a daily periodic rate to the principal in your account each day.

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