Current Rates
 Use our calculator
Interest Rates and Annual Percentage Yields* are effective as of
March 2, 2010 through March 8, 2010.
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 |
1.00% |
1.00% |
| 12 Month |
$500 |
1.05% |
1.05% |
| 18 Month |
$500 |
1.30% |
1.30% |
| 24 Month |
$500 |
1.65% |
1.66% |
| 30 Month |
$500 |
1.85% |
1.86% |
| 36 Month |
$500 |
2.00% |
2.01% |
| 48 Month |
$500 |
2.45% |
2.46% |
| 60 Month |
$500 |
2.75% |
2.75% |
Substantial penalty on early withdrawal.
Individual Retirement Accounts
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
Savings Deposit Acct.
$50 Minimum (effective 12/01/09) |
1.65% |
1.66% |
Savings Grandfathered
$50 Minimum (effective 12/01/09) |
1.90% |
1.91% |
18 Month Certificate
$500 Minimum Balance to obtain APY* |
1.50% |
1.51% |
36 Month Certificate
$500 Minimum Balance to obtain APY* |
2.20% |
2.21% |
60 Month Certificate
$500 Minimum Balance to obtain APY* |
2.85% |
2.87% |
Substantial penalty on early withdrawal of IRA Certificates.
Health Savings Accounts
Effective December 1, 2009
| Account Balance of |
Interest Rate |
Annual Percentage Yield
(APY*) |
| $0 - $999.99 |
.10% |
.10% |
| $1000.00 - $2499.99 |
.40% |
.40% |
| $2500.00 - $4999.99 |
.90% |
.90% |
| $5000.00 and above |
1.15% |
1.16% |
Others
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
| Money Market Account** (effective 12/16/09) |
.90% |
.90% |
| NOW Account*** (effective 03/05/10) |
.35% |
.35% |
| Passbook Savings (effective 12/01/09) |
.75% |
.75% |
| Christmas Club (effective 11/01/09) |
1.25% |
1.25% |
| Vacation Club (effective 5/01/09) |
1.25% |
1.25% |
**Money Market average daily balance to obtain APY is $2500.00.
***NOW Account minimum daily balance to obtain APY is $1000.00. | 
