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Rates

*Annual Percentage Yields and Interest Rates are current as of June 24, 2025

Checking Accounts

Lifetime Free NOW Checking

Complimentary welcome pack of checks
No annual fee debit card
A BankChampaign exclusive and our most popular checking choice

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
$300	No daily balance required to earn interest	None	None	0.05%	0.05%

Seniority Plus

Designed for individuals 55 and older
Discount on safe deposit box
No annual fee debit card
No cost for basic personal checks or cashier’s checks
Monthly coupon from local restaurant

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
$300	Daily balance of $200 or more to earn interest	None	None	0.05%	0.05%

Prime Checking

No annual fee debit card
A great combination of high interest and liquidity

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
$500	Daily balance of $200 or more to earn interest	$10/month service charge if daily balance falls below $1,000	None	0.10%	0.10%

Community NOW Checking

Designed for non-profit organizations

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY*	Interest Rate
$300	No daily balance requirement to earn interest	None	None	0.05%	0.05%

Savings Accounts

Regular Savings

A classic way to save
Quarterly statement

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
$200	No daily balance required to earn interest	$9/quarter service charge if daily balance falls below $200	Nine free withdrawals per quarter; additional withdrawals are $1 each	0.05%	0.05%

Senior Savings

Designed for individuals 55 and older
Quarterly statement

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
None	No daily balance required to earn interest	None	None	0.05%	0.05%

Minor Savings

Designed for individuals 18 and younger
Quarterly statement

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
None	No daily balance required to earn interest	None	None	0.05%	0.05%

Health Savings Account

Any adult covered by a high-deductible health plan (and who has no other first-dollar coverage) may establish an HSA for future medical expenses. Contributions can be made by you, your employer or both. Amounts contributed to an HSA belong to the account holder and are completely portable. Funds in the account can grow tax-free through investment earnings, just like an IRA.

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY**	Interest Rate
$100	No daily balance required to earn interest	None	None	0.05%	0.05%

Commercial Savings Account

A safe haven for business assets
Quarterly statement

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY*	Interest Rate
$200	No daily balance required to earn interest	$9/quarter service charge if daily balance falls below $200	Nine free withdrawals per quarter; additional withdrawals are $1 each	0.05%	0.05%

Money Markets

Personal Money Market

The higher the balance, the higher the rate
Maintain minimum balances in the account each day to earn interest

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees
$1,500	Daily balance requirement of $200 or more to earn interest	$10/month service charge if balance falls below $5,000	Checks and electronic debits are $2 each.

Balance	APY**	Interest Rate
Below $2,499.99	0.05%	0.05%
From $2,500.00 to $9,999.99	0.05%	0.05%
From $10,000.00 to $24,999.99	0.10%	0.10%
Above $25,000.00	0.15%	0.15%

Commercial Money Market

The higher the balance, the higher the rate
Maintain minimum balances in the account each day to earn interest

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees
$1,500	Daily balance requirement of $200 or more to earn interest	$10/month service charge if balance falls below $5,000	Checks and electronic debits are $2 each.

Balance	APY*	Interest Rate
Below $2,499.99	0.05%	0.05%
From $2,500.00 to $9,999.99	0.05%	0.05%
From $10,000.00 to $24,999.99	0.10%	0.10%
Above $25,00.00	0.15%	0.15%

Individual Retirement Accounts

Individual Retirement Accounts

$100 minimum to open
Maintain daily minimum balance of $100 or more to earn interest

Type	APY**	Interest Rate
18 Month Variable IRA	4.35%	4.26%
18 Month Fixed IRA	4.35%	4.26%
3 Month IRA	3.03%	2.99%
6 Month IRA	3.55%	3.49%
11 Month IRA	4.15%	4.07%
12 Month IRA	3.25%	3.20%
15 Month IRA	4.25%	4.16%
22 Month IRA	0.25%	0.25%
24 Month IRA	0.30%	0.30%
30 Month IRA	0.30%	0.30%
36 Month IRA	0.40%	0.40%
48 Month IRA	0.50%	0.50%
60 Month IRA	0.55%	0.55%

Certificates of Deposit

Certificates of Deposit

$500 minimum to open
Maintain daily minimum balance of $500 or more to earn interest

Type	APY*	Interest Rate
11 Month CD	4.15%	4.09%
12 Month CD	3.25%	3.21%
15 Month CD	4.25%	4.18%
18 Month CD	4.35%	4.28%
22 Month CD	0.25%	0.25%
24 Month CD	0.30%	0.30%
30 Month CD	0.30%	0.30%
36 Month CD	0.40%	0.40%
48 Month CD	0.50%	0.50%
60 Month CD	0.55%	0.55%

Certificates of Deposit

$2,500 minimum to open
Maintain daily minimum balance of $2,500 or more to earn interest

Type	APY*	Interest Rate
3 Month CD	3.03%	3.00%
6 Month CD	3.55%	3.50%
9 Month CD	0.15%	0.15%

Jumbo Certificates of Deposit

$100,000 minimum to open
Maintain daily minimum balance of $100,000 or more to earn interest

Type	APY*	Interest Rate
3 Month CD	3.03%	3.00%
6 Month CD	3.55%	3.50%
11 Month CD	4.15%	4.09%
12 Month CD	3.25%	3.21%
24 Month CD	0.30%	0.30%

Mortgage Rates

For more information or current rates, call or email:

Allison Manolakes
[email protected]
(217) 351-7630
NMLS#: 441824

Disclosures

For current rate information, call 217-351-2870.

Any fees associated with the above accounts can decrease the earnings on the account.
Variable Rate Accounts are subject to interest rate changes after the accounts are opened.
All certificates are subject to early withdrawal penalties.