Personal Banking Rates & Fees

Personal Certificates – Regular & IRA

Effective Date: May 5, 2023

Interest rates subject to change

Fixed Interest Rate Certificates

Fixed Interest Rate$500 Minimum Deposit to OpenAPY*
3 Months0.75%0.75%
6 Months1.50%1.51%
12 Months1.75%1.76%
24 Months2.00%2.02%
36 Months3.00%3.03%
48 Months2.75%2.78%
60 Months3.25%3.29%

Other Certificates

Other CDsAPY*
College CD
- Term 1 to 18 years
- Minimum to open $100
- Index Chase prime minus 2.75%
5.50%5.61%
(APY is based on an opening of $100 and term of 12 months)
18 Month IRA Variable
- Interest Floor is current statement savings interest rate
- minimum deposit to open $25.00
- Index - 4-week average 24-month T-note rate rounded to nearest 1/10th, minus 0.50%
2.70%
(The interest rate may change after the account is open) Variable rate changes the 5th day of each month.
2.73%
13 Month CD Special

- minimum deposit to open $500.00

13 Month Jumbo CD Special

- minimum deposit to open $100,000.00
4.57%



4.81%
4.65%



4.90%

*APY stands for Annual Percentage Yield
Interest rates are subject to change

Fees may reduce earnings

Substantial penalty for early withdrawal.
A penalty of $25.00 plus 90 days simple interest for any term up to and including twelve months.
A penalty of $25.00 plus 180 days simple interest for any term over twelve months.

Personal Banking Accounts Rates

Personal Savings & Checking Account Rates

Effective as of: November 9, 2022

Interest rates subject to change

AccountInterest Rate APY*
Passbook Savings**0.10% 0.10%
Premium Checking***0.10%0.10%
Statement Savings**0.10% 0.10%
Christmas Club
AFT
0.10% 0.10%

Health Savings Account Checking

Health Savings Account CheckingInterest Rate APY*
balance $0.00 - $4,9990.10%0.10%
balance $5,000 - $9,9990.10% 0.10%
balance $10,000 & over0.15% 0.15%

On the Move Checking

On the Move Checking AccountInterest Rate APY*
balance $0.00 - $999.990.00%0.00%
balance $1,000 & over0.10% 0.10%

Hi-Fi Money Markets

Hi-Fi Money Markets AccountInterest Rate APY*
balance $0.00-$14,999.990.20%0.20%
balance $15,000-$99,999.990.60%0.60%
balance $100,000 -$999,999.990.80%0.80%
balance $1,000,000 & over1.05%1.05%

*APY stands for Annual Percentage Yield
**Passbook and Statement Savings require a minimum balance to open of $50.

*** Minimum balance of $10,000 or Minimum balance can be waived if customer maintains one of the following at Dart Bank:
$35,000.00 in savings
$35,000.00 in certificate of deposit
$35,000.00 loan balance

Personal Consumer Loan Rates

Effective as of: March 24, 2023
Interest Rates subject to change

Dart Bank offers loans  to meet your financing needs. Please view the interest rate sheet below on the following types of loans:

  • New and Used Automobile and Light Duty Trucks
  • Motorhome, Campers, 5th Wheels and Travel Trailers
  • Marine
  • Specialty Vehicles
  • Home Improvement
  • Personal
  • CD Secured

View Rate Sheet


Additional types of loans are available to meet your financing needs. Please call us for interest rates on the following types of loans:

  • Home Equity Line of Credit
  • Debt Consolidation
  • Second Mortgages

For more information on loans, please call us at (517) 676-3661.