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What is Unique About MidCountry Money Management?
MidCountry Money Management allows you to invest any amount over $50,000 and earn premium rates on your deposit for a 36-month term. At the time of your deposit, graduated interest rates are determined for the duration of the investment period. Interest rates adjust at six month increments until the term ends, providing a blended rate.
Built-in Flexibility
Many deposit accounts have penalties that erode your earnings. If you need access to funds during the term, MidCountry Money Management allows one withdrawal without penalty during each six month rate adjustment period, provided the $5,000 minimum balance is maintained.
You are welcome to replace any withdrawals previously made by depositing once per six month period. Deposits may be subject to certain restrictions. Please contact us for more details.
How Can MidCountry Money Management Fit My Savings Plan?
There are a myriad of advantages to this unique account:
- Maximize earnings on shorter term funds without sacrificing liquidity
- Access to your cash for unexpected financial needs
- Ownership flexibility, for either personal and/or business accounts
Rates
| Minimum Balance to Open | Minimum Balance to Obtain APY* | Interest Rate | APY* | |
|---|---|---|---|---|
| 36 Month Term** | $50,000.00 | $5,000.00 | 3.58% Blended APY*** | |
| First 6 Months | $50,000.00 | $5,000.00 | 2.80% | |
| Next 6 Months | $50,000.00 | $5,000.00 | 3.10% | |
| Next 6 Months | $50,000.00 | $5,000.00 | 3.40% | |
| Next 6 Months | $50,000.00 | $5,000.00 | 3.70% | |
| Next 6 Months | $50,000.00 | $5,000.00 | 4.00% | |
| Last 6 Months | $50,000.00 | $5,000.00 | 4.30% |
*Annual Percentage Yield
**Early withdrawal penalty may apply
***Blended Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate.