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 September 27, 2022. For more rate information, call 618-357-5373 or 877-358-6554.

PDF Version Available or Continue for Scrolling and ADA Compliant/Section 508 Version

Just WIN! Cash Rewards^b

Daily Balance Required	Minimum Opening Balance	Interest Rate	APY
Daily Balance Required Up to $10,000.00	Minimum Opening Balance $100.00	Interest Rate 0.50%	APY 0.50%
Daily Balance Required $10,000.01 and up	Minimum Opening Balance $100.00	Interest Rate 0.15%	APY 0.50% to 0.15%
Daily Balance Required Non-qualifying	Minimum Opening Balance $100.00	Interest Rate 0.01%	APY 0.01%
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.

Daily Balance Required

Minimum Opening Balance

Interest Rate

APY

Daily Balance Required

Up to $10,000.00

Minimum Opening Balance

$100.00

Interest Rate

0.50%

APY

0.50%

Daily Balance Required

$10,000.01 and up

Minimum Opening Balance

$100.00

Interest Rate

0.15%

APY

0.50% to 0.15%

Daily Balance Required

Non-qualifying

Minimum Opening Balance

$100.00

Interest Rate

0.01%

APY

0.01%

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 Savings^b

Daily Balance Required	Minimum Opening Balance	Interest Rate	APY
Daily Balance Required Up to $50,000.00	Minimum Opening Balance $50.00	Interest Rate 0.15%	APY 0.15%
Daily Balance Required $50,000.01 and up	Minimum Opening Balance $50.00	Interest Rate 0.15%	APY 0.15% to 0.15%
Daily Balance Required Non-Qualifying	Minimum Opening Balance $50.00	Interest Rate 0.01%	APY 0.01%
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.

Daily Balance Required

Minimum Opening Balance

Interest Rate

APY

Daily Balance Required

Up to $50,000.00

Minimum Opening Balance

$50.00

Interest Rate

0.15%

APY

0.15%

Daily Balance Required

$50,000.01 and up

Minimum Opening Balance

$50.00

Interest Rate

0.15%

APY

0.15% to 0.15%

Daily Balance Required

Non-Qualifying

Minimum Opening Balance

$50.00

Interest Rate

0.01%

APY

0.01%

Fee could reduce the earnings on the account.

Money Market Deposit Account^b

Daily Balance Required	Minimum Opening Balance	Interest Rate	APY
Daily Balance Required $1,500.00 - $9,999.99	Minimum Opening Balance $2,500.00	Interest Rate 0.02%	APY 0.02%
Daily Balance Required $10,000.00 - $24,999.99	Minimum Opening Balance $2,500.00	Interest Rate 0.04%	APY 0.04%
Daily Balance Required $25,000.00 and up	Minimum Opening Balance $2,500.00	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.

Daily Balance Required

Minimum Opening Balance

Interest Rate

APY

Daily Balance Required

$1,500.00 - $9,999.99

Minimum Opening Balance

$2,500.00

Interest Rate

0.02%

APY

0.02%

Daily Balance Required

$10,000.00 - $24,999.99

Minimum Opening Balance

$2,500.00

Interest Rate

0.04%

APY

0.04%

Daily Balance Required

$25,000.00 and up

Minimum Opening Balance

$2,500.00

Interest Rate

0.05%

APY

0.05%

Fee could reduce the earnings on the account.

Savings Rates

Account Product Name	Minimum Opening Deposit	Minimum Balance to Obtain APY*	Interest Rate	APY
Account Product Name Statement Savings^b	Minimum Opening Deposit $50.00	Minimum Balance to Obtain APY* $50.00^c	Interest Rate 0.02%	APY 0.02%
Account Product Name Personal IRA^{a, b}	Minimum Opening Deposit $250.00	Minimum Balance to Obtain APY* $50.00^c	Interest Rate 0.20%	APY 0.20%
Account Product Name Roth IRA^b	Minimum Opening Deposit $250.00	Minimum Balance to Obtain APY* $250.00^c	Interest Rate 0.20%	APY 0.20%
Account Product Name Christmas Club^a (with Withdrawal Feature)	Minimum Opening Deposit $5.00	Minimum Balance to Obtain APY* $5.00^c	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. Fee could reduce the earnings on the account.

Account Product Name

Minimum Opening Deposit

Minimum Balance to Obtain APY*

Interest Rate

APY

Account Product Name

Statement Savings^b

Minimum Opening Deposit

$50.00

Minimum Balance to Obtain APY*

$50.00^c

Interest Rate

0.02%

APY

0.02%

Account Product Name

Personal IRA^{a, b}

Minimum Opening Deposit

$250.00

Minimum Balance to Obtain APY*

$50.00^c

Interest Rate

0.20%

APY

0.20%

Account Product Name

Roth IRA^b

Minimum Opening Deposit

$250.00

Minimum Balance to Obtain APY*

$250.00^c

Interest Rate

0.20%

APY

0.20%

Account Product Name

Christmas Club^a (with Withdrawal Feature)

Minimum Opening Deposit

$5.00

Minimum Balance to Obtain APY*

$5.00^c

Interest Rate

0.15%

APY

0.15%

Fee could reduce the earnings on the account.

Certificates of Deposit

Account Product Name	Minimum Opening Deposit	Minimum Balance to Obtain APY*	Interest Rate	APY
Account Product Name 3 Month Certificate of Deposit^a	Minimum Opening Deposit $1,000.00	Minimum Balance to Obtain APY* $1,000.00^c	Interest Rate 0.10%	APY 0.10%
Account Product Name 6 Month Certificate of Deposit^a	Minimum Opening Deposit $1,000.00	Minimum Balance to Obtain APY* $1,000.00^c	Interest Rate 0.15%	APY 0.15%
Account Product Name 12 Month Certificate of Deposit^a	Minimum Opening Deposit $1,000.00	Minimum Balance to Obtain APY* $1,000.00^c	Interest Rate 0.30%	APY 0.30%
Account Product Name 18 Month Certificate of Deposit^a	Minimum Opening Deposit $1,000.00	Minimum Balance to Obtain APY* $1,000.00^c	Interest Rate 0.35%	APY 0.35%
Account Product Name 24 Month Certificate of Deposit^a	Minimum Opening Deposit $1,000.00	Minimum Balance to Obtain APY* $1,000.00^c	Interest Rate 0.40%	APY 0.40%
Account Product Name 30 Month Certificate of Deposit^a	Minimum Opening Deposit $1,000.00	Minimum Balance to Obtain APY* $1,000.00^c	Interest Rate 0.45%	APY 0.45%
Account Product Name 36 Month Certificate of Deposit^a	Minimum Opening Deposit $1,000.00	Minimum Balance to Obtain APY* $1,000.00^c	Interest Rate 0.55%	APY 0.55%
Account Product Name 48 Month Certificate of Deposit^a	Minimum Opening Deposit $1,000.00	Minimum Balance to Obtain APY* $1,000.00^c	Interest Rate 0.65%	APY 0.65%
Account Product Name 60 Month Certificate of Deposit^a	Minimum Opening Deposit $1,000.00	Minimum Balance to Obtain APY* $1,000.00^c	Interest Rate 1.00%	APY 1.00%
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.

Account Product Name

Minimum Opening Deposit

Minimum Balance to Obtain APY*

Interest Rate

APY

Account Product Name

3 Month Certificate of Deposit^a

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00^c

Interest Rate

0.10%

APY

0.10%

Account Product Name

6 Month Certificate of Deposit^a

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00^c

Interest Rate

0.15%

APY

0.15%

Account Product Name

12 Month Certificate of Deposit^a

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00^c

Interest Rate

0.30%

APY

0.30%

Account Product Name

18 Month Certificate of Deposit^a

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00^c

Interest Rate

0.35%

APY

0.35%

Account Product Name

24 Month Certificate of Deposit^a

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00^c

Interest Rate

0.40%

APY

0.40%

Account Product Name

30 Month Certificate of Deposit^a

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00^c

Interest Rate

0.45%

APY

0.45%

Account Product Name

36 Month Certificate of Deposit^a

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00^c

Interest Rate

0.55%

APY

0.55%

Account Product Name

48 Month Certificate of Deposit^a

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00^c

Interest Rate

0.65%

APY

0.65%

Account Product Name

60 Month Certificate of Deposit^a

Minimum Opening Deposit

$1,000.00

Minimum Balance to Obtain APY*

$1,000.00^c

Interest Rate

1.00%

APY

1.00%

Fee could reduce the earnings on the account.

See Our Specials

Ebanking Login

Rates

Just WIN! Cash Rewardsb

Just WIN! Cash Rewardsb

Just WIN! Rewards Savingsb

Just WIN! Rewards Savingsb

Money Market Deposit Accountb

Money Market Deposit Accountb

Savings Rates

Savings Rates

Certificates of Deposit

Certificates of Deposit

Just WIN! Cash Rewards^b

Just WIN! Cash Rewards^b

Just WIN! Rewards Savings^b

Just WIN! Rewards Savings^b

Money Market Deposit Account^b

Money Market Deposit Account^b