CD and Money Market Rates
Certificate of Deposit Rates
Effective as of November 13, 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 |
4.30% |
4.25% |
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 November 13, 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.