Rates - Effective 12/06/2025
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 |
|
0.05% |
0.05% |
$300.00 |
|
Monthly |
| Super NOW |
Tier 1 |
0.05% |
0.05% |
$1,000.00 |
up to $999.99 |
Monthly |
| |
Tier 2 |
0.05% |
0.05% |
$1,000.00 |
$1,000.00 and up |
Monthly |
| Money Market |
Tier 1 |
0.05% |
0.05% |
$2,500.00 |
up to $2,499.99 |
Monthly |
| |
Tier 2 |
0.05% |
0.05% |
$2,500.00 |
$2,500.00 - $99,999.99 |
Monthly |
| |
Tier 3 |
0.10% |
0.10% |
$2,500.00 |
$100,000.00 - $249,999.99 |
Monthly |
| |
Tier 4 |
0.15% |
0.15% |
$2,500.00 |
$250,000.00 and up |
Monthly |
| Integrated Rewards |
Tier 1 |
1.50% |
1.51% |
$100.00 |
Portion of daily balance
up to $15,000.00 |
Monthly |
| |
Tier 2 |
0.10% |
1.51% - 0.10% |
$100.00 |
Portion of daily balance
$15,000.01 and up |
Monthly |
| Business Interest |
Tier 1 |
0.05% |
0.05% |
$1,000.00 |
up to $999.99 |
Monthly |
| |
Tier 2 |
0.05% |
0.05% |
$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 |
| Savings |
0.05% |
0.05% |
$10.00 |
Quarterly |
| Christmas Club |
0.10% |
0.10% |
$10.00 |
Quarterly |
| |
For all of the above accounts, fees may reduce earnings and rates may change after account opens. |
| 60 Month CD |
3.00% |
3.03% |
$500.00 |
Quarterly |
| 36 Month CD |
1.25% |
1.26% |
$500.00 |
Quarterly |
| 30 Month CD |
1.00% |
1.00% |
$500.00 |
Quarterly |
| 24 Month CD |
1.00% |
1.00% |
$1,000.00 |
Quarterly |
| 18 Month CD |
1.00% |
1.00% |
$500.00 |
Quarterly |
| 12 Month CD |
1.00% |
1.00% |
$500.00 |
Quarterly |
| 6 Month CD |
0.50% |
0.50% |
$1,000.00 |
At maturity |
| 91 Day CD |
0.25% |
0.25% |
$1,000.00 |
At maturity |
| 7 Day CD |
0.15% |
0.15% |
$1,000.00 |
At maturity |
| 12 Mo Liquid CD |
1.00% |
1.00% |
$5,000.00 |
Quarterly |
| |
Contact an employee about applicable fees. Substantial penalty imposed for early withdrawal on CDs. APY assumes interest is automatically reinvested. |
Specials
| Account Type |
Interest Rate |
Annual Percentage Yield |
Min Balance to Open |
Compounding/Crediting Frequency |
| 13 Month CD |
3.50% |
3.55% |
$1,000.00 |
Quarterly |
| 7 Month CD |
3.50% |
3.53% |
$1,000.00 |
At Maturity |
| |
Contact an employee about applicable fees. Substantial penalty imposed for early withdrawal on CDs. APY assumes interest is automatically reinvested. |
Retirement
| Account Type |
Interest Rate |
Annual Percentage Yield |
Min Balance to Open |
Compounding/Crediting Frequency |
| IRA - 18 Mo Fixed |
2.00% |
2.02% |
$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. |
