Updated September 28, 2026
Today's rates
Deposit and lending rates for every Menard Community Demo Bank product in one place.
Checking, savings & money market
| Product | Term | Minimum | Interest rate | APY |
|---|---|---|---|---|
| Hill Country Checking | — | $0 | 0.05% | 0.05% |
| Pecan Savings | — | $25 | 3.68% | 3.75% |
| San Saba Money Market | — | $2,500 | 4.02% | 4.10% |
Certificates of deposit
| Product | Term | Minimum | Interest rate | APY |
|---|---|---|---|---|
| Certificate of Deposit | 6 months | $500 | 4.21% | 4.30% |
| Certificate of Deposit | 12 months | $500 | 4.40% | 4.50% |
| Certificate of Deposit | 18 months | $500 | 4.26% | 4.35% |
| Certificate of Deposit | 24 months | $500 | 4.07% | 4.15% |
| Certificate of Deposit | 36 months | $500 | 3.88% | 3.95% |
| Certificate of Deposit | 60 months | $500 | 3.74% | 3.80% |
Mortgages
| Product | Term | Rate | APR | Notes |
|---|---|---|---|---|
| 30-Year Fixed | 360 months | 6.25% | 6.38% | Fixed |
| 15-Year Fixed | 180 months | 5.50% | 5.68% | Fixed |
| 7/6 ARM | 360 months | 5.88% | 6.41% | Rate may adjust after year 7 |
| Ranch & Land Loan | 240 months | 6.75% | 6.92% | Fixed |
Home equity, auto & personal
| Product | Term | Rate | APR | Notes |
|---|---|---|---|---|
| Home Equity Line of Credit | 10-year draw | 8.25% | 8.25% | Variable |
| Home Equity Loan | Up to 180 months | 7.49% | 7.62% | Fixed |
| New Auto & Truck | Up to 72 months | 6.99% | 6.99% | Fixed |
| Used Auto & Truck | Up to 60 months | 7.49% | 7.49% | Fixed |
| Personal Loan | 12 to 60 months | 10.99% | 10.99% | Fixed |
Business & agricultural
| Product | Term | Rate | APR | Notes |
|---|---|---|---|---|
| Equipment Loan | Up to 84 months | 7.75% | 7.90% | Fixed |
| Commercial Real Estate | Up to 240 months | 7.25% | 7.41% | Fixed |
| Ag Operating Line | 12 months | 8.50% | 8.50% | Variable |
About these rates. APY is annual percentage yield. APR is annual percentage rate. A real bank would disclose the assumptions behind each rate, fees that may reduce earnings, and whether rates are variable. This demo is not regulated and does not offer any deposit or credit product.
Rates shown are illustrative figures for a fictional bank and are not offers of credit or deposit products.
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