Boone Bank & Trust Co.

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.boonebankiowa.com

515-432-6200

716 Eighth Street
Boone, IA 50036

Boone Bank & Trust Co. is headquartered in BOONE and is the 154^th largest bank in the state of Iowa. It is also the 3,220^th largest bank in the nation. It was established in 1992 and as of March of 2025, it had grown to 20 employees at 2 locations. Boone Bank & Trust Co.'s CD rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	33552
Year Established	1992
Employees	20
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.53%
Return on Equity - YTD	8.18%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$175.5MM$174.7MM
Loans	Q1 2025vs Q1 2024	$72.7MM$67.5MM
Deposits	Q1 2025vs Q1 2024	$163.5MM$164.6MM
Equity Capital	Q1 2025vs Q1 2024	$11.2MM$9.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$945K$869K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2K$25K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Boone Bank & Trust Co. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$0	-	Savings
0.10%	$0	-	HSA

Boone Bank & Trust Co. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%^*	$500k^*	-	Hi-Fi Business Money Market Checking
OTHER TIERS: 0.30% → $0 - $50k \| 0.40% → $50k - $100k \| 0.55% → $100k - $250k \| 0.80% → $250k - $500k
0.75%^*	$100k^*	-	Hi-Fi Personal Money Market Checking
OTHER TIERS: 0.25% → $0 - $2.5k \| 0.30% → $2.5k - $25k \| 0.45% → $25k - $50k \| 0.65% → $50k - $100k

Boone Bank & Trust Co. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.52%^*	$0	$15k	Interest Rewards
OTHER TIERS: 0.20% → $15k+
1.40%^*	$1m^*	-	Complete Business Checking
OTHER TIERS: 0.50% → $0 - $25k \| 0.55% → $25k - $100k \| 0.60% → $100k - $250k \| 0.65% → $250k - $500k \| 0.80% → $500k - $1m
0.50%^*	$100k^*	-	Premier Checking
OTHER TIERS: 0.10% → $0 - $25k \| 0.35% → $25k - $100k
0.35%^*	$50k^*	-	Business All-In-One Checking
OTHER TIERS: 0.25% → $0 - $25k \| 0.30% → $25k - $50k

Boone Bank & Trust Co. CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.65%^*	$50k^*	$100k	3 Month CD
OTHER TIERS: 1.13% → $1k - $5k \| 1.38% → $5k - $10k \| 1.64% → $10k - $25k \| 2.14% → $25k - $50k
2.47%^*	$50k^*	$100k	6 Month CD
OTHER TIERS: 0.95% → $1k - $5k \| 1.20% → $5k - $10k \| 1.46% → $10k - $25k \| 1.96% → $25k - $50k
2.40%^*	$50k^*	$100k	12 Month CD
OTHER TIERS: 0.89% → $1k - $5k \| 1.14% → $5k - $10k \| 1.39% → $10k - $25k \| 1.90% → $25k - $50k
2.37%^*	$50k^*	$100k	18 Month CD
OTHER TIERS: 0.86% → $1k - $5k \| 1.11% → $5k - $10k \| 1.36% → $10k - $25k \| 1.87% → $25k - $50k
2.35%^*	$50k^*	$100k	24 Month CD
OTHER TIERS: 0.84% → $1k - $5k \| 1.09% → $5k - $10k \| 1.34% → $10k - $25k \| 1.85% → $25k - $50k
2.31%^*	$50k^*	$100k	36 Month CD
OTHER TIERS: 0.80% → $1k - $5k \| 1.05% → $5k - $10k \| 1.30% → $10k - $25k \| 1.81% → $25k - $50k
2.31%^*	$50k^*	$100k	48 Month CD
OTHER TIERS: 0.80% → $1k - $5k \| 1.05% → $5k - $10k \| 1.30% → $10k - $25k \| 1.81% → $25k - $50k
2.31%^*	$50k^*	$100k	60 Month CD
OTHER TIERS: 0.80% → $1k - $5k \| 1.05% → $5k - $10k \| 1.30% → $10k - $25k \| 1.81% → $25k - $50k

Boone Bank & Trust Co. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.58%	$1k	-	60 Month IRA
2.38%	$1k	-	48 Month IRA
2.17%	$1k	-	36 Month IRA
1.67%	$1k	-	24 Month IRA
1.34%	$1k	-	12 Month IRA
1.15%	$1k	-	6 Month IRA

Locations

Boone Bank & Trust Co. Locations
Parking Lot Branch	1326 South Story Street	Boone, IA 50036
Boone Bank & Trust Co.	716 8th St	Boone, IA 50036

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