Current Rates
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Interest Rates and Annual Percentage Yields* are effective as of
January 22, 2020 through January 27, 2020.
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 |
0.45% |
0.45% |
| 12 Month |
$500 |
0.60% |
0.60% |
| 18 Month |
$500 |
0.70% |
0.70% |
| 24 Month |
$500 |
0.75% |
0.75% |
| 30 Month |
$500 |
0.85% |
0.85% |
| 36 Month |
$500 |
1.05% |
1.05% |
| 48 Month |
$500 |
1.50% |
1.51% |
| 60 Month |
$500 |
2.30% |
2.31% |
Substantial penalty on early withdrawal.
Individual Retirement Accounts
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
Savings Deposit Acct.
$50 Minimum (effective 12/01/19) |
0.60% |
0.60% |
18 Month Certificate
$500 Minimum Balance to obtain APY* |
0.90% |
0.90% |
36 Month Certificate
$500 Minimum Balance to obtain APY* |
1.20% |
1.20% |
60 Month Certificate
$500 Minimum Balance to obtain APY* |
2.45% |
2.46% |
Substantial penalty on early withdrawal of IRA Certificates.
Health Savings Accounts
Effective June 1, 2018
| Account Balance of |
Interest Rate |
Annual Percentage Yield
(APY*) |
| $0 - $999.99 |
.08% |
.08% |
| $1000.00 - $2499.99 |
.13% |
.13% |
| $2500.00 - $4999.99 |
.18% |
.18% |
| $5000.00 and above |
.23% |
.23% |
Others
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
| Money Market Account** (effective 01/16/19) |
.35% |
.35% |
| NOW Account*** (effective 01/05/19) |
.25% |
.25% |
| Passbook Savings (effective 09/01/18) |
.25% |
.25% |
| 2020 Christmas Club |
.28% |
.28% |
2020 Vacation Club (effective 05/01/18) |
.30% |
.30% |
**Money Market average daily balance to obtain APY is $2500.00.
***NOW Account minimum daily balance to obtain APY is $1000.00.
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