CD and Money Market Rates

Certificate of Deposit Rates

Effective as of October 2, 2024

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 0.75% 0.75% 3 Months
6 Month CD $1,000 0.80% 0.80% 6 Months
7 Month CD $1,000 0.30% 0.30% 7 Months
10 Month CD $1,000 0.40% 0.40% 10 Months
12 Month CD $1,000 1.51% 1.50% 12 Months
13 Month CD $1,000 3.99% 3.95% 13 Months
15 Month CD $1,000 1.76% 1.75% 15 Months
18 Month CD $1,000 2.11% 2.10% 18 Months
21 Month CD $1,000 2.21% 2.20% 21 Months
24 Month CD $1,000 2.31% 2.30% 24 Months
30 Month CD $1,000 3.53% 3.50% 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 October 2, 2024

Minimum balance to obtain Annual Percentage Yield (APY) APY
$2,500 0.25%
$10,000 0.30%
$25,000 0.35%
$50,000 0.85%
$100,000 1.35%
$250,000 1.46%

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.