Current Rates
| Interest Rates and Annual Percentage Yields* are effective as of August 19, 2026 through August 25, 2026. | |||
|---|---|---|---|
| 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 | 3.60% | 3.63% |
| 12 Month | $500 | 3.50% | 3.53% |
| 18 Month | $500 | 2.60% | 2.62% |
| 24 Month | $500 | 2.85% | 2.87% |
| 30 Month | $500 | 2.90% | 2.92% |
| 36 Month | $500 | 3.05% | 3.07% |
| 48 Month | $500 | 3.10% | 3.12% |
| 60 Month | $500 | 3.25% | 3.28% |
| Substantial penalty on early withdrawal. | |||
| Individual Retirement Accounts | |||
| Account Type | Interest Rate | Annual Percentage Yield (APY*) | |
| Savings Deposit Acct. | |||
| $50 Minimum (effective 3/01/2025) | 2.65% | 2.68% | |
| 18 Month Certificate | |||
| $500 Minimum Balance to obtain APY* | 2.70% | 2.72% | |
| 36 Month Certificate | |||
| $500 Minimum Balance to obtain APY* | 3.15% | 3.17% | |
| 60 Month Certificate | |||
| $500 Minimum Balance to obtain APY* | 3.35% | 3.38% | |
| Substantial penalty on early withdrawal of IRA Certificates. | |||
| Health Savings Accounts | |||
| Effective November 1, 2022 | |||
| Account Balance of | Interest Rate | Annual Percentage Yield (APY*) | |
| $0 - $999.99 | 0.10% | 0.10% | |
| $1000.00 - $2499.99 | 0.10% | 0.10% | |
| $2500.00 - $4999.99 | 0.15% | 0.15% | |
| $5000.00 and above | 0.20% | 0.20% | |
| Others | |||
| Account Type | Interest Rate | Annual Percentage Yield (APY*) | |
| Money Market Account** (effective 12/16/2022) | 0.30% | 0.30% | |
| NOW Account*** (effective 1/5/2023) | 0.20% | 0.20% | |
| Passbook Savings (effective 12/01/2022) | 0.25% | 0.25% | |
| 2026 Christmas Club (effective 11/01/2025) | 0.20% | 0.20% | |
| 2026 Vacation Club (effective 5/1/2026) | 0.20% | 0.20% | |
| **Money Market average daily balance to obtain APY is $2500.00. | |||
| ***NOW Account minimum daily balance to obtain APY is $1000.00. | |||