Certificates of Deposit

APY Accurate as of 04/21/2015

Term Minimum Balance
to Earn APY*		 Compound Interest Rate APY*
3 Months $1,000 – $9,999 At Maturity 0.10% 0.10%
3 Months $10,000 & Above At Maturity 0.15% 0.15%
182 Days $1,000 – $9,999 At Maturity 0.15% 0.15%
182 Days $10,000 & Above At Maturity 0.25% 0.25%
12 Months $1,000 – $9,999 Semi-Annually 0.45% 0.45%
12 Months $10,000 & Above Semi-Annually 0.55% 0.55%
18 Months $1,000 – $9,999 Semi-Annually 0.65% 0.65%
18 Months $10,000 & Above Semi-Annually 0.75% 0.75%
24 Months $1,000 – $9,999 Semi-Annually 0.95% 0.95%
24 Months $10,000 & Above Semi-Annually 1.00% 1.00%
36 Months “FLEX” $1,000 – $9,999 Semi-Annually 1.15% 1.15%
36 Months “FLEX” $10,000 & Above Semi-Annually 1.25% 1.25%
48 Months “FLEX” $1,000 – $9,999 Semi-Annually 1.25% 1.25%
48 Months “FLEX” $10,000 & Above Semi-Annually 1.30% 1.30%
60 Months “2 FLEX” $1,000 – $9,999 Semi-Annually 1.40% 1.40%
60 Months “2 FLEX” $10,000 & Above Semi-Annually 1.49% 1.50%
  • *APY – Annual Percentage Yield
  •  Annual percentage yield assumes principal and interest remain on deposit at current rate for one year.
  • “FLEX” CD’s  – You have the option to change the interest rate to the current rate we are offering for a CD of equal value that matches the remaining term of your CD. We will not charge you any fees to make this rate change. If you decide to change the rate, the maturity date of the CD will remain the same as originally scheduled.  You may change the interest rate once during the first term of a 36 month and 48 month CD or twice during the first term of a 60 month CD, but not during any renewal term.
  • Contact the bank for further information concerning the fees and terms applicable.
    • Fees could reduce earnings on the account.
    • Federal regulations require a penalty for early withdrawal, including substantial tax penalty on tax deferred instruments.
    • Advertised rates are available only for residents of Iowa, Nebraska, and South Dakota. To obtain current rates offered to residents outside of IA, NE, & SD please contact the bank.

Checking

APY Accurate as of 04/21/2015

Account Minimum Balance to Earn APY* Minimum Opening Balance Interest Rate APY*
REWARDS
When “Rewards Requirements” are met during the
statement cycle the following rates applies:
  Paid on balances up to $25,000 No Minimum 3.15% 3.20%
  Paid on balances above $25,000 No Minimum 0.40% Range of 1.09% – 3.20%
When “Rewards Requirements” are not met during the
statement cycle the following rate applies:
  No Minimum No Minimum 0.40% 0.40%
 
AMERICAN DELUXE
  $500 $500 0.10% 0.10%
AMERICAN ELITE
$1,000 $1,000 0.15% 0.15%
AMERICAN GOLD
$10,000 $10,000 0.40% 0.40%
AMERICAN SPIRIT DELUXE**
No Minimum No Minimum 0.30% 0.30%
AMERICAN SPIRIT GOLD**
No Minimum No Minimum 0.40% 0.40%
  •  *APY – Annual Percentage Yield
  • ** American Spirit Deluxe and American Spirit Gold accounts require membership to the bank’s Spirit Club. Additionally the American Spirit Gold account requires a monthly reoccurring direct deposit. Contact the bank to obtain further details on Spirit Club membership.
  • Additional Information about our Interest Bearing Accounts:
    • Fees paid could reduce earnings.
    • Rates are subject to change without notice.
    • Contact the bank for further information concerning the fees and terms applicable.
    • Interest bearing checking accounts are available to individuals, joint, non-profit organizations, and sole proprietorships.
  • Additional Information about our Rewards Checking:
    • Rewards Requirements – All of the following conditions must be met each statement cycle to qualify for the higher interest rate and APY.
      • Online Banking – maintain an active online banking account and receive account statements online or by email.
      • Debit Card POS Transactions – 10 point-of-sale (POS), excluding ATM transactions.  Visa/debit transactions must post to account during the statement cycle in order to qualify
      • Direct Deposit – minimum of one direct deposit or ACH – minimum of three qualifying automatic withdraws (ACH) to third parties posted to your account per monthly statement cycle.
      • ATM usage – Zaynab United Bank will automatically refund your account up to $10 per statement cycle for ATM surcharges and foreign fees when the Rewards Requirements are met during the statement cycle in which the charges occurred.

Money Market

APY Accurate as of 04/21/2015

Minimum Balance to Earn APY* Interest Rate APY*
Minimum Opening Deposit: $1,000
$0 – $9,999.99 0.10% 0.10%
$10,000 – $24,999.99 0.15% 0.15%
$25,000 – $49,999.99 0.15% 0.15%
$50,000 – $99,999.99 0.25% 0.25%
$100,000 – $249,999.99 0.35% 0.35%
$250,000 & Above 0.45% 0.45%
  •  *APY – Annual Percentage Yield
  • Annual Percentage Yield assumes principal interest remain on deposit at the current rate for one year.
  • Contact the bank for further information concerning the fees and terms applicable.
    • Fees paid could reduce earnings.
    • Rates are subject to change with out notice.

Savings

APY Accurate as of 04/21/2015

Account Minimum Balance to Earn APY* Interest Rate APY*
Statement Savings No Minimum 0.25% 0.25%
Christmas Club $50 plus $10 weekly deposit 0.50% 0.50%
All American College Savings $250 0.65% 0.65%
  • *APY – Annual Percentage Yield
  • Annual Percentage Yield assumes principal interest remain on deposit at the current rate for one year.
  • Contact the bank for further information concerning the fees and terms applicable.
    • Fees paid could reduce earnings.
    • Rates are subject to change with out notice.

Compare Savings Accounts

Health Savings Account

APY Accurate as of 04/21/2015

Account Minimum Balance to Earn APY* Compound Interest Rate APY*
Health Savings Checking Account No Minimum Monthly 0.60% 0.60%
  • *APY – Annual Percentage Yield
  • Annual Percentage Yield assumes principal and interest remain on deposit at current rate for one year.
  • Contact the bank for further information concerning the fees and terms applicable.
    • Federal regulations require a substantial tax penalty on tax deferred instruments for early withdrawal.
    • Fees paid could reduce earnings.
    • Rates are subject to change with out notice.

Flexible Investment Accounts

APY Accurate as of 04/21/2015

Minimum Balance to Earn APY* Compound Interest Rate APY*
$0 – $4,999.99 Monthly 0.30% 0.30%
$5,0000 – $24,999.99 Monthly 0.60% 0.60%
$25,000 – $99,999.99 Monthly 1.05% 1.05%
$100,000 & Above Monthly 1.19% 1.20%
  • *APY – Annual Percentage Yield
  • Annual Percentage Yield assumes principal and interest remain on deposit at current rate for one year.
  • Request further information from an employee concerning the fees and terms applicable.
    • Federal regulations require a substantial tax penalty on tax deferred instruments for early withdrawal.
    • Fees paid could reduce earnings.
    • Rates are subject to change with out notice.

Residential Fixed

APR accurate as of 04/24/2015

Type Origination Fee Interest Rate APR* Monthly Payment**
USDA Guaranteed Rural Housing / 30Year 2.0% 4.000% 4723% $477.42
30 Year Residential 0.5% 3.625% 3.690% $456.08
20 Year Residential 0.5% 3.375% 3.465% $573.59
15 Year Residential 0.5% 2.875% 2.953% $684.59
10 Year Residential 0.5% 2.625% 2.737% $948.39
Residential Variable Rate Products Call For Rates:

    • Le Mars: 712-546-2345
    • Remsen: 712-786-1153
  • *APR – Annual Percentage Rate
  • **The above rates and payments assume a 20% down payment, loan amount of $100,000 and a rate lock period of 30 days. Payments listed do not include amounts for taxes and insurance premiums, your actual payment obligation may be greater. If the down payment is less than 20%, mortgage insurance may be required, which would increase the APR.
  • Rates and points are subject to change without notice. Some products may not be available in all states.
  • Rate Buydowns Available

Estimated Closing Costs for Residential Fixed

APR Accurate as of 04/24/2015

Fee Amount
Origination Fee 0.5% of Loan Amount
Appraisal $400.00
Abstracting $300.00
Credit Report & Evaluation $53.00
Flood Determination $13.00
Recording $89.00
Attorney’s Title Opinion $150.00 – $250.00
Delivery Fee* 0.25% of the Amount Borrowed
Tax Transcript $20.00
  • *Annual Percentage Rate (APR) is based on a representative $100,000 loan amount for stated term and includes points/origination fee listed and a 0.25% delivery fee. Higher delivery fees may apply. Closing costs are not included in the APR.