Current Rates
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Interest Rates and Annual Percentage Yields* are effective as of
January 24, 2012 through January 30, 2012.
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 |
0.40% |
0.40% |
| 12 Month |
$500 |
0.45% |
0.45% |
| 18 Month |
$500 |
0.55% |
0.55% |
| 24 Month |
$500 |
0.85% |
0.85% |
| 30 Month |
$500 |
1.00% |
1.00% |
| 36 Month |
$500 |
1.10% |
1.10% |
| 48 Month |
$500 |
1.65% |
1.66% |
| 60 Month |
$500 |
2.00% |
2.01% |
Substantial penalty on early withdrawal.
Individual Retirement Accounts
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
Savings Deposit Acct.
$50 Minimum (effective 09/01/11) |
0.75% |
0.75% |
Savings Grandfathered
$50 Minimum (effective 09/01/11) |
1.00% |
1.00% |
18 Month Certificate
$500 Minimum Balance to obtain APY* |
0.65% |
0.65% |
36 Month Certificate
$500 Minimum Balance to obtain APY* |
1.20% |
1.20% |
60 Month Certificate
$500 Minimum Balance to obtain APY* |
2.10% |
2.11% |
Substantial penalty on early withdrawal of IRA Certificates.
Health Savings Accounts
Effective September 1, 2011
| Account Balance of |
Interest Rate |
Annual Percentage Yield
(APY*) |
| $0 - $999.99 |
.05% |
.05% |
| $1000.00 - $2499.99 |
.10% |
.10% |
| $2500.00 - $4999.99 |
.15% |
.15% |
| $5000.00 and above |
.25% |
.25% |
Others
| Account Type |
Interest Rate |
Annual Percentage Yield
(APY*) |
| Money Market Account** (effective 09/16/11) |
.45% |
.45% |
| NOW Account*** (effective 09/05/11) |
.15% |
.15% |
| Passbook Savings (effective 09/01/11) |
.30% |
.30% |
| Christmas Club (effective 11/01/11) |
.60% |
.60% |
| Vacation Club (effective 05/01/11) |
.75% |
.75% |
**Money Market average daily balance to obtain APY is $2500.00.
***NOW Account minimum daily balance to obtain APY is $1000.00. | 
