*The Falls Savings account is available to personal customers who open an account at our International Falls, MN, office through December 31, 2026. One promotional account available per primary accountholder. An interest rate of 3.924% will be paid on the portion of your daily balances up to $10,000. The annual percentage yield (APY) for this tier is 4.00%. An interest rate of 0.494% will be paid on the portion of your daily balance that is over $10,000. The APY for this tier will range from 1.36% to 4.00%, depending on the balance in the account. Rates effective 6.29.26. Rates are subject to change. Fees may reduce earnings. Minimum opening deposit of $5 required.