Deposit Rates
Get off the "Rate Roller Coaster" and get your feet on solid ground with Baltic State Bank!
Our rate philosophy: No "Rate Roller Coaster."
Baltic State Bank's interest rates are priced to provide our customers with a fair return on investment. You won't find any high special promo rates that disappear at renewal, crazy 21-month terms, or miles of fine print.
Our existing customers and their investments are as important to us as a potential new customer, so you won't find any special rates available for new accounts either. What you will find is a fair rate, a safe and steady investment, and a simple to understand the product. So get off the "Rate Roller Coaster" and get your feet on solid ground with Baltic State Bank.
You Choose Checking Account*
(Rate based on current balance)
Minimum Balance to Obtain APY
Interest Rate
APY
(Annual Percentage Yield)
0.01%
0.01%
0.01%
Savings Personal and Business*
(Rate based on current balance)
Minimum Balance to Obtain APY
Interest Rate
APY
(Annual Percentage Yield)
$20.00
0.25%
0.01%
0.25%
$5,000.00
0.30%
0.30%
$25,000.00
0.325%
0.325%
$150,000.00
0.50%
0.50%
$250,000.00
1.44%
1.45%
$500,000.00
3.68%
3.75%
Other Savings Accounts*
Type
Interest Rate
APY
(Annual Percentage Yield)
Christmas Savings
0.50%
0.01%
0.50%
Health Savings
0.50%
0.50%
Certificate of Deposits*
Term**
Minimum Balance to Obtain APY
Interest Rate
APY
(Annual Percentage Yield)
1 Month CD
$500.00
0.01%
2.13%
2.15%
3 Month CD
$500.00
2.13%
2.15%
6 Month CD
$500.00
4.17%
4.25%
12 Month CD
$500.00
4.07%
4.15%
18 Month CD
$500.00%
3.69%
3.75%
24 Month CD
$500.00
3.69%
3.75%
36 Month CD
$500.00
1.50%
1.51%
48 Month CD
$500.00
1.50%
1.51%
60 Month CD
$500.00
1.50%
1.51%
12 Month Variable
$500.00
4.07%
4.15%
* Rates current as of December 31, 2024.
**Penalty will be imposed for early withdrawal.
***Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice.