Personal Savings

Your financial goals are within reach with our portfolio of savings and investment products.

*Annual Percentage Yields and Interest Rates are current as of October 4, 2024.

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%

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%

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%

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%

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%

Certificates of Deposit

  • $500 minimum to open
  • Maintain daily minimum balance of $500 or more to earn interest
Type APY* Interest Rate
12 Month CD
3.65%
3.60%
15 Month CD
0.20%
0.20%
18 Month CD
0.25%
0.25%
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
4.65%
4.57%
6 Month CD
0.15%
0.15%
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
4.65%
4.57%
6 Month CD
0.15%
0.15%
12 Month CD
3.65%
3.60%
24 Month CD
0.30%
0.30%

Individual Retirement Accounts

  • $2,500 minimum to open
  • Maintain daily minimum balance of $2,500 or more to earn interest
Type APY** Interest Rate
18 Month Variable IRA
0.25%
0.25%
18 Month Fixed IRA
0.25%
0.25%
3 Month IRA
4.65%
4.55%
6 Month IRA
0.15%
0.15%
12 Month IRA
3.65%
3.59%
15 Month IRA
0.20%
0.20%
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%

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

For more information call or email:

Cary Steinman 
[email protected] 
217-351-2870

Zack Flynn
[email protected]
217-351-2870

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.

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