*Annual Percentage Yields and Interest Rates are current as of November 2, 2021.

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
  • Limit of 6 transfers/electronic debits per month
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
  • Limit of 6 transfers/electronic debits per month
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
  • Limited to 6 transfers/checks/electronic debits per month
  • 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
Unlimited deposits and in-person withdrawals; 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%

Commercial Money Market

  • The higher the balance, the higher the rate
  • Limited to 6 transfers/checks/electronic debits per month
  • Maintain minimum balances in the account each day to earn interest 
Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY* Interest Rate
$1,500
Daily balance requirement of $200 or more to earn interest
$10/month service charge if balance falls below $5,000
Unlimited deposits and in-person withdrawals; 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

  • $2,500 minimum to open
  • Maintain daily minimum balance of $2,500 or more to earn interest
APY** Interest Rate
18 Month Variable IRA
0.25%
0.25%
18 Month Fixed IRA
0.25%
0.25%
3 Month IRA
0.10%
0.10%
6 Month IRA
0.15%
0.15%
12 Month IRA
0.20%
0.20%
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%

Certificates of Deposit

Certificates of Deposit

  • $500 minimum to open
  • Maintain daily minimum balance of $500 or more to earn interest
APY* Interest Rate
12 Month CD
0.20%
0.20%
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
APY* Interest Rate
3 Month CD
0.10%
0.10%
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
APY* Interest Rate
3 Month CD
0.10%
0.10%
6 Month CD
0.15%
0.15%
12 Month CD
0.20%
0.20%
24 Month CD
0.30%
0.30%

Mortgage Rates

Mortgage Rates

Term APR* Rate Monthly Principal & Interest Payment per $1,000 (does not include taxes or insurance)
30-year Fixed (360 payments)
3.750%
3.821%
$4.15
15-year Fixed (180 payments)
3.000%
3.174%
$6.49
Additional rates and programs are available. *Annual Percentage Rate (APR) based on representative $140,000 loan amount, 80% loan to value, 740+ credit score with escrow for stated term and includes common and customary closing costs. Subject to minimum down payment requirements on a purchase. Rates are subject to change without notice.
Rates are effective as of Tuesday, November 2, 2021.

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.