Current Rates
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Interest Rates and Annual Percentage Yields* are effective as of
November 18, 2008 through November 24, 2008.
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 |
2.00% |
2.01% |
| 7 Month Special |
$1,000 |
2.79% |
2.81% |
| 12 Month |
$500 |
2.10% |
2.11% |
| 18 Month |
$500 |
2.15% |
2.16% |
| 24 Month |
$500 |
2.40% |
2.41% |
| 30 Month |
$500 |
2.65% |
2.67% |
| 36 Month |
$500 |
2.70% |
2.72% |
| 48 Month |
$500 |
3.20% |
3.23% |
| 60 Month |
$500 |
3.50% |
3.53% |
Individual Retirement Accounts
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
Savings Deposit Acct.
$50 Minimum (effective 06/01/08) |
2.60% |
2.63% |
Savings Grandfathered
$50 Minimum (effective 06/01/08) |
2.85% |
2.88% |
18 Month Certificate
$500 Minimum Balance to obtain APY* |
2.35% |
2.36% |
36 Month Certificate
$500 Minimum Balance to obtain APY* |
2.90% |
2.92% |
60 Month Certificate
$500 Minimum Balance to obtain APY* |
3.70% |
3.73% |
Substantial penalty on early withdrawal of IRA Certificates.
Health Savings Accounts
Effective March 1, 2008
| Account Balance of |
Interest Rate |
Annual Percentage Yield
(APY*) |
| $0 - $999.99 |
.85% |
.85% |
| $1000.00 - $2499.99 |
1.35% |
1.36% |
| $2500.00 - $4999.99 |
1.85% |
1.87% |
| $5000.00 and above |
2.10% |
2.12% |
Others
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
| Money Market Account** (effective 3/16/08) |
1.50% |
1.51% |
| NOW Account*** (effective 12/05/04) |
.72% |
.72% |
| Passbook Savings (effective 9/01/06) |
1.30% |
1.31% |
| Christmas Club (effective 11/01/08) |
2.00% |
2.00% |
| Vacation Club (effective 5/01/08) |
2.00% |
2.00% |
**Money Market average daily balance to obtain APY is $2500.00.
***NOW Account minimum daily balance to obtain APY is $1000.00. | 
