YOUR. ADVISOR.

This account offers a no-hassle way for you to save your hard-earned money.

Getting Started

Account Details

• Minimum $100 opening deposit
• Account earns .150% interest with .15% APY***
• $1 Fee if balance falls below $100
• Limited to 6 transfers and/or withdrawals per month
• $1 Fee per withdrawal over 6
• Easy to balance statements OR complimentary access to our convenient paperless e-Statements when combined with a checking account
• Complimentary access to our Online Banking & Mobile Banking
• Complimentary Direct Deposit services available
• Mobile Deposit available by Application/Approval

*** .15% APY (Annual Percentage Yield). See one of our account representatives for additional information, rates, and disclosures. Fees could reduce earnings on the account. Rates may change after account is opened.

This higher interest earning account is geared towards our youngest savers learning how to save … from early childhood, through the teen years, and into early adulthood. You can never start saving too early.

Getting Started

Account Details

• No minimum opening deposit or minimum daily balance required
• Account earns .250% interest with .25% APY***
• Must be under 21 to open account. At age 21, the account automatically becomes a You. Secure. account which at that time a minimum balance fee of $1.00 will be imposed every month if the daily balance falls below $100 any day of the month
• Limited to 6 transfers and/or withdrawals per month
• $1 Fee per withdrawal over 6
• Easy to balance statements OR complimentary access to our convenient paperless e-Statements when combined with a checking account.
• Complimentary access to our Online Banking & Mobile Banking
• Complimentary Direct Deposit services available
• Mobile Deposit available by Application/Approval

*** .25% APY (Annual Percentage Yield). See one of our account representatives for additional information, rates, and disclosures. Fees could reduce earnings on the account. Rates may change at anytime without notice.

These CD accounts lock-in guaranteed interest rates for the select timeframe of your choice. The longer you decide to save, the better the rate!

Getting Started

Account Details

• Minimum $1000 one-time opening deposit
• Earn our Highest Rates***
• Interest is compounded quarterly
• May not make withdrawals of principal from the account until the maturity date
• Penalty for early withdrawal
• Automatically Renewable
• Complimentary access to our Online Banking & Mobile Banking

*** See one of our account representatives for additional information, rates, and disclosures.

These CD accounts lock-in guaranteed interest rates for the select timeframe of your choice. The longer you decide to save, the better the rate!

Getting Started

Account Details

• Minimum $1000 one-time opening deposit
• Earn our Highest Rates***
• Interest is compounded quarterly
• May not make withdrawals of principal from the account until the maturity date
• Penalty for early withdrawal
• Automatically Renewable
• Complimentary access to our Online Banking & Mobile Banking

*** See one of our account representatives for additional information, rates, and disclosures.

Our tax-sheltered personal retirement accounts help you grow your retirement savings via fixed or variable interest on your contributions.

Getting Started

Account Details

• Minimum $1000 opening deposit
• Fixed or Variable Interest Rate***
• Interest is compounded quarterly
• Penalty for early withdrawal
• ROTH & Traditional IRA’s available

*** See one of our account representatives for additional information, rates, and disclosures.

Our premier money market account with exclusive rates for those who carry a higher balance and want easy access to your funds.

Getting Started

Account Details

• $2,500.00 Minimum opening deposit
• $10 Monthly Fee for balances below $2,500.00
• Limited to 6 transfers and/or withdrawals per month by means of preauthorized, automatic, telephone, transfer, or check

* Daily Balance of $2,499.99 or less = .15% with an APY of .15%

* Daily Balance more than $2,500.00, but less than $10,000.00 = .25% with an APY of .25%

* Daily Balance more than $10,000.00, but less than $25,000.00 = .45% with an APY of .45%

* Daily Balance of $25,000.00 or more = .50% with an APY of .50%

Also Featuring!!

• Complimentary Debit Card
• Easy to balance statements OR complimentary access to our convenient paperless e-Statements, which include check images and the option of receiving/viewing monthly combined statements
• Complimentary access to our Online Banking & Mobile Banking
• Complimentary Direct Deposit services available
• Complimentary Bill Pay services available
• Mobile Deposit available by Application/Approval

*** APY (Annual Percentage Yield). See one of our account representatives for additional information, rates, and disclosures.

Our traditional checking account with "not-so-traditional perks" for your everyday banking needs.

Getting Started

Account Details

• Minimum $100 opening deposit
• No monthly fees or minimum balance requirements
• No check-writing fees & unlimited check-writing
• Complimentary Debit Card
• Easy to balance statements OR complimentary access to our convenient paperless e-Statements, which include check images and the option of receiving/viewing monthly combined statements for multiple accounts.
• Complimentary access to our Online Banking & Mobile Banking
• Complimentary Direct Deposit services available
• Complimentary Bill Pay services available
• Check Protector available by Application/Approval
• Mobile Deposit available by Application/Approval

Please see account representative for full account disclosures.

Our interest earning checking account that allows you to take advantage of our HIGH-TECH services to match your ON-DEMAND lifestyle.

Getting Started

Account Details

• No monthly minimum balance requirement
• Accounts with all requirements met will earn 1.15% interest with 1.16% APY*** up to $10,000. Balances over $10,000 earn .20% interest and .21% APY.***
• If requirements are not met, the rate will be reduced to .10% interest and .10% APY.***
  

Requirements:

1. Minimum $100 opening deposit

2. Monthly Direct Deposit of payroll or benefit check

3. Apply for complimentary Debit Card

4. Activate Online Banking

5. Register for complimentary e-Statements

6. Limited to less than 15 checks or in-bank transactions per cycle

Also Featuring!!

• Complimentary access to Mobile Banking
• Complimentary Bill Pay services available
• Check Protector available by Application/Approval
• Mobile Deposit available by Application/Approval

*** Annual Percentage Yield (APY). Interest rate of 1.15% with a 1.16% APY paid on balances of $0.00 to $10,000. An interest rate of .20% with a .21% APY paid only for that portion of your daily balance that is greater than $10,000. If all of the requirements are not met and your daily balance is $10,000 or less, interest will be reduced to .10% with an APY of .10%. An interest rate of .10%, with an APY of .10% will be paid only for that portion of your daily balance that is greater than $10,000. If more than 15 checks are posted per month, a service charge of $5.00 will be assessed to the account. Rates are effective March 9, 2017. Rates may change at any time without notice.

Please see account representative for full account disclosures.

Our specialized interest earning checking account geared towards individuals covered by High Deductible Health Plans (HSAs). This account aims to help you manage your health and medical expenses.

Getting Started

HSAs offer tax advantages to qualified individuals.
HSA contributions are tax-deductible.
HSA earnings are tax-deferred.
If used for qualified medical expenses, HSA assets are tax-free.

Account Details

• Interest earning***
• Minimum $100 opening deposit
  
• No minimum balance requirement, or monthly fees
  
• No check-writing fees & unlimited check-writing
  
• Complimentary Debit Card
  
• Easy to balance statements OR complimentary access to our convenient paperless e-Statements, which include check images and the option of receiving/viewing monthly combined statements for multiple accounts
• Complimentary access to our Online Banking & Mobile Banking
• Complimentary Direct Deposit services available
• Complimentary Bill Pay services available
• Mobile Deposit available by Application/Approval

*** .75% APY (Annual Percentage Yield). See one of our account representatives for additional information, rates, and disclosures. Fees could reduce earnings on the account. Rates may change at any time without notice.

Please see account representative for full account disclosures.

Our checking account designed for growing businesses who demand ease and flexibility in their everyday transactions.

Getting Started

Account Details

• Minimum $400 opening deposit
• If daily balance drops below $400 any day, service charge is $3.00 per monthly cycle. If daily balance drops below $200 any day, service charge is $10.00 per monthly cycle.
• No check-writing fees & unlimited check-writing
• Complimentary Debit Card
• Easy to balance statements OR complimentary access to our convenient paperless e-Statements which include check images and the option of receiving/viewing monthly combined statements for multiple accounts.
• Complimentary access to our Online Banking & Mobile Banking
• Complimentary Direct Deposit services available
• Complimentary Bill Pay services available
• Check Protector available by Application/Approval
• Mobile Deposit available by Application/Approval

Please see account representative for full account disclosures.

Our savings account exclusively for our business customers, this account offers a no-nonsense way for you to save to help meet your business objectives.

Getting Started

Account Details

• Minimum $100.00 opening deposit
• Account earns .150% interest with .15% APY***
• $1 Fee if balance falls below $100
• Limited to 6 transfers and/or withdrawals per month
• $1 Fee per withdrawal over 6
• Easy to balance statements OR complimentary access to our convenient paperless e-Statements when combined with a checking account
• Complimentary access to our Online Banking & Mobile Banking
• Complimentary Direct Deposit services available

*** .15% APY (Annual Percentage Yield). See one of our account representatives for additional information, rates, and disclosures. Fees could reduce earnings on the account. Rates may change at any time without notice.

Our premier business money market account with exclusive rates for those who carry a higher balance and want easy access to your funds.

Getting Started

Account Details

• $2,500.00 Minimum opening deposit
• $10 Monthly Fee for balance below $2,500.00
• Limited to 6 transfers and/or withdrawals per month by preauthorized, automatic, telephone, transfer, or check

Tiered Method Interest Earning***

* Daily Balance of $2,499.99 or less = .150% with an APY of .15%

* Daily Balance more than $2,500.00, but less than $10,000.00 = .200% with an APY of .20%

* Daily Balance more than $10,000.00, but less than $25,000.00 = .300% with an APY of .30%

* Daily Balance of $25,000.00 or more = .400% with an APY of .40%

Also Featuring!!

• Complimentary Debit Card
• Easy to balance statements OR complimentary access to our convenient paperless e-Statements which include check images and the option of receiving/viewing monthly combined statements for multiple accounts.
• Complimentary access to our Online Banking & Mobile Banking
• Complimentary Direct Deposit services available
• Complimentary Bill Pay services available
• Mobile Deposit available by Application/Approval
  

*** APY (Annual Percentage Yield). See one of our account representatives for additional information, rates, and disclosures. Fees could reduce earnings on the account. Rates may change at anytime without notice.

Buying a new or used car, boat, motorcycle, snowmobile, ATV, or other type of vehicle can be easy. We offer flexible terms and affordable payment options. Credit Life and Disability insurance are also available.

GET STARTED or Contact one of our knowledgeable Loan Officers today!

If you are planning a vacation or have other personal needs, we have a short term loan that can meet those needs. Our loan officers can provide fast service and competitive rates.

GET STARTED or Contact one of our knowledgeable Loan Officers today!

For college students, vacations, or smaller projects, our Visa card may suit your needs. It’s accepted at millions of places around the world. It offers Travel Insurance, Car Rental discounts, and 24 hour customer service.

GET STARTED or Contact one of our knowledgeable Loan Officers today!

Real Estate Loans

We offer conventional home loans at affordable rates. Payments can be automatically deducted from your checking or savings account monthly or biweekly. Your interest may be tax deductible. We participate in WHEDA and various fixed rate programs.

Balloon Mortgages

How it Works: The borrower makes equal monthly payments that are typically based on a specified pay-off schedule.

Payment in full of the outstanding principal balance is due at a specific time prior to the end of the scheduled amortized term. Hence the name "balloon." Most borrowers who take advantage of the attractive interest rates offered by balloon mortgages anticipate selling or refinancing the property prior to the end of the balloon period.

Fixed Rate Mortgage

A standard fixed-rate loan has a fixed interest rate, a fixed monthly payment, and is fully amortizing over a given number of years. A portion of each monthly payment covers the interest due on the loan. The remaining portion is applied toward the reduction of the principal balance. Regular payments systematically reduce the loan balance until the loan is paid in full.

The standard fixed-rate mortgage is still the most popular mortgage loan type. Its popularity is tied to the security that a fixed rate and fixed payment offer to borrowers who are reluctant to assume the risk of fluctuating interest rates. The availability of different loan terms offers borrowers the security of a fixed payment but allows for flexibility in the size of the monthly mortgage payment as well as how quickly the principal balance can be paid down.

New Construction

We can also finance the new construction of your home with a Residential Construction Loan. We make your building process easier by facilitating the draw process.

GET STARTED or Contact one of our knowledgeable Loan Officers today!

Home Equity credit lines enable you to advance equity in your residence. You can use the money for home improvements, vacations, weddings, car purchase, holiday buying, landscaping, a second residence and much more. You don't have to use the money just for your home improvement. It is nice to have open and established and ready for use.

We will bill you monthly only on the amount outstanding. During the term of your credit line, funds may be advanced at your convenience, utilizing a checking account. Debit cards are also available on this account. The interest you pay may be tax deductible. Consult with your tax advisor to review your specific situation.

GET STARTED or Contact one of our knowledgeable Loan Officers today!

Black River Country Bank has deep roots in Ag-Lending. Since we were established in 1907, we have helped many agriculture customers over the years. We value the strong work ethic and sensible values that farm customers bring to the table.

We make farm real estate and personal property loans for startup, operating or expansion. We have experience in financing dairy, beef, hog, and crop operations. We can arrange participation in WHEDA, FSA, SBA, and other government loan programs.

GET STARTED or Contact one of our knowledgeable Loan Officers today!

Always dreamed of starting your own business? Have an established business with expansion plans? We have the resources to help you achieve your goals. Our experienced Loan Officers can provide guidance to design a loan that provides you comfort and security.

Interest is generally tax-deductible, contact your tax advisor for specific information. We can help finance real estate, personal property, as well as Small Business Administration (SBA) Loans.

Need help on getting started with the SBA? Click Here

GET STARTED or Contact one of our knowledgeable Loan Officers today!