Savings
| Rates Effective as of December 1, 2024 |
Interest Rate | APY* | Minimum Balance |
|---|---|---|---|
| Statement Savings | .10% | .10% | $200 |
| Christmas Club Savings | .10% | .10% | None |
| Vacation Club Savings | .10% | .10% | None |
| Interest-Checking | |||
| $1,000 - $9,999.99 | .05% | .05% | $1,000 |
| $10,000 or Greater | .10% | .10% | $10,000 |
| Money-Market Savings | |||
| $1,000 - $4,999.99 | .05% | .05% | $1,000 |
| $5,000 - $9,999.99 | .05% | .05% | $5,000 |
| $10,000 or Greater | .10% | .10% | $10,000 |
| GB120 Money-Mark Savings Account** | |||
| $100,000 - $199,999.99 | 1.93% | 1.95% | $100,000 |
| $200,000 or Greater | 2.91% | 2.95% | $200,000 |
| Health Savings Account | |||
| $0 - $4,999.99 | .05% | .05% | |
| $5,000 - $9,999.99 | .05% | .05% | |
| $10,000 or Greater | .05% | .05% |
*Annual Percentage Yield (APY) and Interest Rates are accurate as of the date listed above and are subject to change without notice.Fees may reduce earnings. Deposits are not accepted at our Elmore Office (352 Rice Street, Elmore). See account opening disclosures or contact any of our branches for complete terms and conditions.
For Deposit Accounts | Minimum balances listed above are required to open and maintain the stated yield. Early closing fee may apply. Activity restrictions may apply.
**GB120 MoneyMarket must maintain an average daily balance for the month to receive the rate. This account is for NEW Money, Only. New money is defined as funds not currently on deposit with GenoaBank.
CDs
| Rates Effective as of December 1, 2024 |
Interest Rate | APY* | Minimum Balance |
|---|---|---|---|
| Sixty-Month CD Special Maximum investment limited to $100,000 per account |
3.93% | 4.00% | $1,000 |
| Forty-Eight Month | 3.64% | 3.70% |
$1,000 |
| Thirty-Seven Month CD Special Maximum investment limited to $100,000 per account |
3.93% | 4.00% | $1,000 |
| Thirty-Six Month | 3.44% | 3.50% | $1,000 |
| Thirty Month | 3.15% | 3.20% | $1,000 |
| Twenty-Four Month | 3.06% | 3.10% | $1,000 |
| Eighteen Month | 2.67% | 2.70% | $1,000 |
| Twelve Month | 2.96% | 3.00% |
$1,000 |
| Seven-Month CD Special Maximum investment limited to $100,000 per account |
4.12% | 4.20% | $1,000 |
| 182 Day (6 Months) | 2.67% | 2.70% | $1,000 |
| Thirteen Weeks (91 Days) | 2.37% | 2.40% | $1,000 |
| Thirty-One Days | 2.18% | 2.20% | $1,000 |
| 90-Day CD Special Maximum investment limited to $100,000 per account |
3.93% | 4.00% | $1,000 |
*Annual Percentage Yield (APY) and Interest Rates are accurate as of the date listed above and are subject to change without notice. Fees may reduce earnings. Deposits are not accepted at our Elmore Office (352 Rice Street, Elmore). See account opening disclosures or contact any of our branches for complete terms and conditions.
For CDs | Interest is paid monthly. The APY assumes that principal and interest will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty may be imposed for early withdrawal.
Loans
| Auto Loan Rates Effective as of September 19, 2024 |
Term Max | Rate (as low as) |
APR* (as low as) |
|---|---|---|---|
| Model Year | New or Used Vehicle 2025-2024 |
84-Months | 7.50% | 7.508% APR* |
| Model Year | Used Vehicle 2023-2021 |
72-Months | 7.75% | 7.759% APR* |
Boat Loan Rates
Contact a Branch Manager for our current rates
RV Loan Rates
Contact a Branch Manager for our current rates
Mortgage Loan Rates
Contact an Originator for our current rates
Commercial Loan Rates
Contact a Lender for our current rates
Subject to change without notice.
*Annual Percentage Rate (APR) based on a $25,000 loan amount with a loan document fee of $250. Principal and interest (P & I) for a 84-month loan at 7.50% is $363.52 per monthly payment. Loan is based on $0.00 down payment. Loans are subject to credit approval. Other fees may apply. Rate special applies only to new loans. Refinancing is available on loans from other financial institutions. Pre-existing GenoaBank loans are not eligible for refinancing.
Checking Accounts for every lifestyle.
Our checking accounts are designed to fit your lifestyle, offering convenient features that make everyday banking easy and stress-free.