Current Rates
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Interest Rates and Annual Percentage Yields* are effective as of
July 2, 2025 through June July 8, 2025.
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 |
4.20% |
4.24% |
| 12 Month |
$500 |
3.85% |
3.89% |
| 18 Month |
$500 |
2.60% |
2.62% |
| 24 Month |
$500 |
2.85% |
2.87% |
| 30 Month |
$500 |
2.90% |
2.92% |
| 36 Month |
$500 |
3.05% |
3.07% |
| 48 Month |
$500 |
3.10% |
3.12% |
| 60 Month |
$500 |
3.25% |
3.28% |
Substantial penalty on early withdrawal.
Individual Retirement Accounts
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
Savings Deposit Acct.
$50 Minimum (effective 3/01/2025) |
2.65% |
2.68% |
18 Month Certificate
$500 Minimum Balance to obtain APY* |
2.70% |
2.72% |
36 Month Certificate
$500 Minimum Balance to obtain APY* |
3.15% |
3.17% |
60 Month Certificate
$500 Minimum Balance to obtain APY* |
3.35% |
3.38% |
Substantial penalty on early withdrawal of IRA Certificates.
Health Savings Accounts
Effective November 1, 2022
| Account Balance of |
Interest Rate |
Annual Percentage Yield
(APY*) |
| $0 - $999.99 |
0.10% |
0.10% |
| $1000.00 - $2499.99 |
0.10% |
0.10% |
| $2500.00 - $4999.99 |
0.15% |
0.15% |
| $5000.00 and above |
0.20% |
0.20% |
Others
**Money Market average daily balance to obtain APY is $2500.00.
***NOW Account minimum daily balance to obtain APY is $1000.00.
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
| Money Market Account** (effective 12/16/2022) |
0.30% |
0.30% |
| NOW Account*** (effective 1/5/2023) |
0.20% |
0.20% |
|
Passbook Savings (effective 12/01/2022)
|
0.25% |
0.25% |
| 2025 Christmas Club (effective 11/01/2024) |
0.20% |
0.20% |
| 2026 Vacation Club (effective 5/1/2025) |
0.20% |
0.20% |
|
