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Certificates of Deposit

Last Updated: January 24, 2024

Term2Minimum opening depositMinimum balance to obtain APY*1Interest RateAPY*
Term2
6 month
Minimum opening deposit
$5,000
Minimum balance to obtain APY*1
$5,000
Interest Rate
4.50%
APY*
4.60%
Term2
7 month
Minimum opening deposit
$5,000
Minimum balance to obtain APY*1
$5,000
Interest Rate
5.13%
APY*
5.25%
Term2
15 month
Minimum opening deposit
$5,000
Minimum balance to obtain APY*1
$5,000
Interest Rate
3.54%
APY*
3.60%
Term2
18 month
Minimum opening deposit
$5,000
Minimum balance to obtain APY*1
$5,000
Interest Rate
4.51%
APY*
4.60%
Term2
21 month
Minimum opening deposit
$5,000
Minimum balance to obtain APY*1
$5,000
Interest Rate
3.06%
APY*
3.10%
Term2
36 month
Minimum opening deposit
$5,000
Minimum balance to obtain APY*1
$5,000
Interest Rate
0.50%
APY*
0.50%
Term2
48 month
Minimum opening deposit
$5,000
Minimum balance to obtain APY*1
$5,000
Interest Rate
2.86%
APY*
2.90%
Term2
60 month
Minimum opening deposit
$5,000
Minimum balance to obtain APY*1
$5,000
Interest Rate
0.70%
APY*
0.70%

*=Annual Percentage Yield

1Daily balance. The amount of the principal in the account each day.
Fees could reduce earnings on the account.

2A penalty may be imposed for early withdrawal.

For current rate information call 618-224-9258.

 


Individual Retirement Accounts

Last Updated: January 24, 2024

Term2Minimum opening depositMinimum balance to obtain APY*1Interest RateAPY*
Term2
18 month
Minimum opening deposit
$1,000
Minimum balance to obtain APY*1
$1,000
Interest Rate
0.40%
APY*
0.40%
Term2
24 month
Minimum opening deposit
$1,000
Minimum balance to obtain APY*1
$1,000
Interest Rate
3.40%
APY*
3.43%
Term2
36 month
Minimum opening deposit
$1,000
Minimum balance to obtain APY*1
$1,000
Interest Rate
0.50%
APY*
0.50%
Term2
60 month
Minimum opening deposit
$1,000
Minimum balance to obtain APY*1
$1,000
Interest Rate
0.70%
APY*
0.70%

*=Annual Percentage Yield

1Daily balance. The amount of the principal in the account each day.
Fees could reduce earnings on the account.

2A penalty may be imposed for early withdrawal.

For current rate information call 618-224-9258.


Checking and Savings Accounts

Last Updated: January 24, 2024

AccountMinimum opening depositMinimum balance to obtain APY1*Interest RateAPY*
Account
Business Checking+3
Minimum opening deposit
$100
Minimum balance to obtain APY1*
$0.01-9,999.99
Interest Rate
N/A
APY*
N/A
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$10,000.00-24,999.99
Interest Rate
0.50%
APY*
0.50%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$25,000.00 - 99,999.99
Interest Rate
1.00%
APY*
1.00%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$100,000.00 and up
Interest Rate
1.75%
APY*
1.76%
Account
No Frills Checking
Minimum opening deposit
$50
Minimum balance to obtain APY1*
N/A
Interest Rate
N/A
APY*
N/A
Account
Student Checking
Minimum opening deposit
$100
Minimum balance to obtain APY1*
N/A
Interest Rate
N/A
APY*
N/A
Account
Moolah Checking^3
Minimum opening deposit
$100
Minimum balance to obtain APY1*
up to $15,000.00
Interest Rate
0.40%
APY*
0.40%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$15,000.01 and up
Interest Rate
0.10%
APY*
0.40% to 0.10%
Account
Day Out Club3
Minimum opening deposit
$100
Minimum balance to obtain APY1*
$1,000
Interest Rate

no

APY*

no

Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$1,000.00-2,499.99
Interest Rate
.05%
APY*
.05%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$2,500.00-9,999.99
Interest Rate
.05%
APY*
.05%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$10,000.00-24,999.99
Interest Rate
.10%
APY*
.10%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$25,000.00 and up
Interest Rate
.15%
APY*
.15%
Account
Gold Money Market3
Minimum opening deposit
$2,500
Minimum balance to obtain APY1*
$2,500
Interest Rate

no

APY*

no

Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$2,500.00-9,999.99
Interest Rate
.05%
APY*
.05%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$10,000.00-24,999.99
Interest Rate
.10%
APY*
.10%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$25,000.00-49,999.99
Interest Rate
.15%
APY*
.15%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$50,000.00-99,999.99
Interest Rate
.20%
APY*
.20%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$100,000.00 and up
Interest Rate
.30%
APY*
.30%
Account
Statement Savings3
Minimum opening deposit
$100
Minimum balance to obtain APY1*

no

Interest Rate
.10%
APY*
.10%
Account
Health Savings Account3
Minimum opening deposit
No Minimum
Minimum balance to obtain APY1*
$0.01-2,499.99
Interest Rate
.05%
APY*
.05%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$2,500.00-9,999.99
Interest Rate
.10%
APY*
.10%
Account

no

Minimum opening deposit

no

Minimum balance to obtain APY1*
$10,000.00 and up
Interest Rate
.25%
APY*
.25%
Account
Christmas Club3
Minimum opening deposit
$1
Minimum balance to obtain APY1*
All 50 payments made
Interest Rate
1.00%
APY*
1.00%
Account
Vacation Club3
Minimum opening deposit
$1
Minimum balance to obtain APY1*
All 50 payments made
Interest Rate
1.00%
APY*
1.00%

1Daily balance. The amount of the principal in the account each day.
Fees could reduce earnings on the account.

3The interest rate and annual percentage yield may change after account opening.

For current rate information call 618-224-9258.

^Criteria required per statement cycle to earn 0.40% interest rate:

  • Minimum 12 settled and posted debit card transactions per statement cycle (pin and signature based transactions qualify, while ATM transactions and foreign transactions do not qualify)
  • 1 direct deposit per statement cycle
  • $1,000 minimum balance
  • $15,000 maximum balance
  • eStatements

In addition, if all criteria are met up to $10 in ATM fees will be refunded per statement cycle. If all criteria are not met an interest rate of 0.10% will be paid.