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Couple discussing bank rates

Rates

APY = Annual Percentage Yield
The following contains information about interest rates and annual percentage yields for some of the accounts we offer. Interest rates and annual percentage yields are current as of May 14, 2020. For more rate information, call 618-357-5373 or 877-358-6554.

 

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Just WIN! Cash Rewardsb

Daily Balance RequiredMinimum Opening BalanceInterest RateAPY

Daily Balance Required

Up to $10,000.00

Minimum Opening Balance

$100.00

Interest Rate

0.85%

APY

0.85%

Daily Balance Required

$10,000.01 and up

Minimum Opening Balance

$100.00

Interest Rate

0.25%

APY

0.85% to 0.25%

Daily Balance Required

Non-qualifying

Minimum Opening Balance

$100.00

Interest Rate

0.05%

APY

0.05%

a – A penalty may be imposed for early withdrawal.
b – The interest rate and annual percentage yield may change after account opening.
c – Daily balance. The amount of the principle in the account each day.
d – APY if qualifications aren’t met.

Fee could reduce the earnings on the account.

Just WIN! Rewards Savingsb

Daily Balance RequiredMinimum Opening BalanceInterest RateAPY

Daily Balance Required

Up to $50,000.00

Minimum Opening Balance

$50.00

Interest Rate

0.25%

APY

0.25%

Daily Balance Required

$50,000.01 and up

Minimum Opening Balance

$50.00

Interest Rate

0.25%

APY

0.25% to 0.25%

Daily Balance Required

Non-Qualifying

Minimum Opening Balance

$50.00

Interest Rate

0.10%

APY

0.10%

a – A penalty may be imposed for early withdrawal.
b – The interest rate and annual percentage yield may change after account opening.
c – Daily balance. The amount of the principle in the account each day.
d – APY if qualifications aren’t met.

Fee could reduce the earnings on the account.

Money Market Deposit Accountb

Daily Balance RequiredMinimum Opening BalanceInterest RateAPY

Daily Balance Required

$1,500.00 - $9,999.99

Minimum Opening Balance

$2,500.00

Interest Rate

0.05%

APY

0.05%

Daily Balance Required

$10,000.00 - $24,999.99

Minimum Opening Balance

$2,500.00

Interest Rate

0.15%

APY

0.15%

Daily Balance Required

$25,000.00 and up

Minimum Opening Balance

$2,500.00

Interest Rate

0.15%

APY

0.15%

a – A penalty may be imposed for early withdrawal.
b – The interest rate and annual percentage yield may change after account opening.
c – Daily balance. The amount of the principle in the account each day.
d – APY if qualifications aren’t met.

Savings Rates

Account Product NameMinimum Opening DepositMinimum Balance to Obtain APY*Interest RateAPY

Account Product Name

Statement Savingsb

Minimum Opening Deposit

$50.00

Minimum Balance to Obtain APY*

$50.00c

Interest Rate

0.10%

APY

0.10%

Account Product Name

Personal IRAa, b

Minimum Opening Deposit

$250.00

Minimum Balance to Obtain APY*

$50.00c

Interest Rate

0.20%

APY

0.20%

Account Product Name

Roth IRAb

Minimum Opening Deposit

$250.00

Minimum Balance to Obtain APY*

$250.00c

Interest Rate

0.20%

APY

0.20%

Account Product Name

Christmas Cluba (with Withdrawal Feature)

Minimum Opening Deposit

$5.00

Minimum Balance to Obtain APY*

$5.00c

Interest Rate

0.15%

APY

0.15%

a – A penalty may be imposed for early withdrawal.
b – The interest rate and annual percentage yield may change after account opening.
c – Daily balance. The amount of the principle in the account each day.
d – APY if qualifications aren’t met.

Certificates of Deposit

Account Product NameMinimum Opening DepositMinimum Balance to Obtain APY*Interest RateAPY

Account Product Name

3 Month Certificate of Deposita

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00c

Interest Rate

0.10%

APY

0.10%

Account Product Name

6 Month Certificate of Deposita

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00c

Interest Rate

0.15%

APY

0.15%

Account Product Name

12 Month Certificate of Deposita

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00c

Interest Rate

0.20%

APY

0.20%

Account Product Name

18 Month Certificate of Deposita

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00c

Interest Rate

0.30%

APY

0.30%

Account Product Name

24 Month Certificate of Deposita

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00c

Interest Rate

0.40%

APY

0.40%

Account Product Name

30 Month Certificate of Deposita

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00c

Interest Rate

0.45%

APY

0.45%

Account Product Name

36 Month Certificate of Deposita

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00c

Interest Rate

0.60%

APY

0.60%

Account Product Name

48 Month Certificate of Deposita

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00c

Interest Rate

0.90%

APY

0.90%

Account Product Name

60 Month Certificate of Deposita

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00c

Interest Rate

1.15%

APY

1.15%

a – A penalty may be imposed for early withdrawal.
b – The interest rate and annual percentage yield may change after account opening.
c – Daily balance. The amount of the principle in the account each day.
d – APY if qualifications aren’t met.