CD and Money Market Rates
Certificate of Deposit Rates
Effective as of July 2, 2025
| Product |
Balance Required
to Earn APY |
Annual
Percentage
Yield (APY) |
Interest Rate |
Term |
| 7 to 31 Day CD |
$1,000 |
0.15% |
0.15% |
7 - 31 Days |
| 3 Month CD |
$1,000 |
2.52% |
2.50% |
3 Months |
| 6 Month CD |
$1,000 |
2.78% |
2.75% |
6 Months |
| 7 Month CD |
$1,000 |
0.30% |
0.30% |
7 Months |
| 12 Month CD |
$1,000 |
3.03% |
3.00% |
12 Months |
| 15 Month CD |
$1,000 |
3.02% |
3.00% |
15 Months |
| 18 Month CD |
$1,000 |
3.02% |
3.00% |
18 Months |
| 21 Month CD |
$1,000 |
4.00% |
3.96% |
21 Months |
| 24 Month CD |
$1,000 |
3.02% |
3.00% |
24 Months |
| 30 Month CD |
$1,000 |
3.27% |
3.25% |
30 Months |
| 36 Month CD |
$1,000 |
2.01% |
2.00% |
36 Months |
| 48 Month CD |
$1,000 |
2.26% |
2.25% |
48 Months |
| 60 Month CD |
$1,000 |
2.51% |
2.50% |
60 Months |
IRA - 18 Month Variable CD
Rate may change after the account is opened. |
$100 |
2.52% |
2.50% |
18 Months |
| IRA - 12 Month Fixed CD |
$1,000 |
1.76% |
1.75% |
12 Months |
| IRA - 24 Month Fixed CD |
$1,000 |
2.56% |
2.55% |
24 Months |
Substantial Penalties may be imposed for early withdrawal.
Tiered Interest Rates and Annual Percentage Yields for Money Market Accounts
Effective as of June 4, 2025
| Minimum balance to obtain Annual Percentage Yield (APY) |
APY |
| $2,500 |
0.50% |
| $10,000 |
0.55% |
| $25,000 |
0.75% |
| $50,000 |
1.11% |
| $100,000 |
1.61% |
| $250,000 |
2.02% |
The interest rate and annual percentage yield (APY) may change after account opening.
Fees could reduce earnings on this account.
Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.