IMPORTANT ALERT!

FRAUD EDUCATION

A text alert about suspicious activity on your card will NEVER include a link.  Never click on a link in a text message that is supposedly from our fraud monitoring service.  A text alert will always be from a 5 digit number; NOT a 10 digit number resembling a phone number.  A phone call from our automated system will only include a request for your zip code and if you confirm a transaction is fraudulent, only then will you be transferred to an agent who will confirm you are the actual cardholder before going through transactions with you with a "yes" or "no" response.  We will NEVER ask for your PIN or the 3-digit security code on the back of your card.  Do not give them out to anyone.  Fraudsters will often ask cardholders to verify fake transactions and when the cardholder says they did not perform them, the fraudsters will say they will block the card and issue and new one, but they need the card's PIN to put it on the new card.  If you receive a call or text message from our fraud monitoring service and are unsure about it, hang up and call the Bank directly.

Check your account online regularly and enroll in our CardValet to receive notifications of card use based on your customized settings.

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Rates - Effective 10/18/2019

There is no minimum balance requirement to obtain the Annual Percentage Yield

Checking Accounts

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Daily Balance Compounding/Crediting Frequency
   NOW   0.10% 0.10% $300.00   Monthly
   Super NOW Tier 1 0.10% 0.10% $1,000.00 up to $999.99 Monthly
  Tier 2 0.25% 0.25% $1,000.00 $1,000.00 and up Monthly
   Money Market Tier 1 0.25% 0.25% $2,500.00 up to $2,499.99 Monthly
  Tier 2 0.25% 0.25% $2,500.00 $2,500.00 - $99,999.99 Monthly
  Tier 3 0.50% 0.50% $2,500.00 $100,000.00 - $249,999.99 Monthly
  Tier 4 0.75% 0.75% $2,500.00 $250,000.00 and up Monthly
   Integrated Rewards Tier 1 2.00% 2.02% $100.00 Portion of daily balance
up to $15,000.00
Monthly
  Tier 2 0.10% 2.02% - 0.10% $100.00 Portion of daily balance
$15,000.01 and up
Monthly
   Business Interest Tier 1 0.10% 0.10% $1,000.00 up to $999.99 Monthly
  Tier 2 0.10% 0.10% $1,000.00 $1,000.00 and up Monthly

Savings & Investment

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Compounding/Crediting Frequency
   Passbook Savings 0.10% 0.10% $10.00 Quarterly
   Christmas Club 0.50% 0.50% $10.00 Quarterly
  For all of the above accounts, fees may reduce earnings and rates may change after account opens.
   60 Month CD 1.75% 1.76% $500.00 Quarterly
   36 Month CD 1.50% 1.51% $500.00 Quarterly
   30 Month CD 1.35% 1.36% $500.00 Quarterly
   18 Month CD 1.10% 1.10% $500.00 Quarterly
   12 Month CD 1.00% 1.00% $500.00 Quarterly
   6 Month CD 0.75% 0.75% $1,000.00 At maturity
   91 Day CD 0.50% 0.50% $1,000.00 At maturity
   7 Day CD 0.35% 0.37% $1,000.00 At maturity
  12 Mo Liquid CD 1.00% 1.00% $5,000.00 Quarterly

Specials

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Compounding/Crediting Frequency
  24 Month CD 1.55% 1.56% $1,000.00 Quarterly
  Contact an employee about applicable fees. Substantial penalty imposed for early withdrawal on CDs. APY assumes interest is automatically reinvested. The 24 Month special is non-auto renewable.

Retirement

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Compounding/Crediting Frequency
   IRA - 18 Mo Fixed 1.50% 1.51% $100.00 Quarterly

Loans

   For information on loan products please contact a loan officer at (618) 282-3939.

Consumer Loans

   Rates vary according to terms and conditions of the loan. Please contact a loan officer at 282-3939 or 282-4777 for more information.