Current Rates
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Interest Rates and Annual Percentage Yields* are effective as of
July 18, 2017 through July 24, 2017.
Rates subject to change.
For current rate information, call 618-243-5291.
Certificates of Deposit
| Certificate Term |
Minimum Balance
to Obtain APY* |
Interest Rate |
Annual Percentage Yield
(APY*) |
| 182 Day |
$500 |
0.30% |
0.30% |
| 12 Month |
$500 |
0.40% |
0.40% |
| 18 Month |
$500 |
0.42% |
0.42% |
| 24 Month |
$500 |
0.50% |
0.50% |
| 30 Month |
$500 |
0.60% |
0.60% |
| 36 Month |
$500 |
0.70% |
0.70% |
| 48 Month |
$500 |
1.30% |
1.30% |
| 60 Month |
$500 |
1.95% |
1.96% |
Substantial penalty on early withdrawal.
Individual Retirement Accounts
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
Savings Deposit Acct.
$50 Minimum (effective 12/01/13) |
0.20% |
0.20% |
18 Month Certificate
$500 Minimum Balance to obtain APY* |
0.47% |
0.47% |
36 Month Certificate
$500 Minimum Balance to obtain APY* |
0.70% |
0.70% |
60 Month Certificate
$500 Minimum Balance to obtain APY* |
2.00% |
2.01% |
Substantial penalty on early withdrawal of IRA Certificates.
Health Savings Accounts
Effective March 1, 2012
| Account Balance of |
Interest Rate |
Annual Percentage Yield
(APY*) |
| $0 - $999.99 |
.05% |
.05% |
| $1000.00 - $2499.99 |
.10% |
.10% |
| $2500.00 - $4999.99 |
.15% |
.15% |
| $5000.00 and above |
.20% |
.20% |
Others
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
| Money Market Account** (effective 12/16/13) |
.20% |
.20% |
| NOW Account*** (effective 06/05/13) |
.10% |
.10% |
| Passbook Savings (effective 03/01/14) |
.16% |
.16% |
| 2017 Christmas Club (effective 11/01/16) |
.25% |
.25% |
| 2017 Vacation Club (effective 05/01/16) |
.25% |
.25% |
**Money Market average daily balance to obtain APY is $2500.00.
***NOW Account minimum daily balance to obtain APY is $1000.00. | 
