Deposit Rates

The following interest rates and annual percentage yields apply to your deposit accounts.  Additional disclosures effecting the interest rates or frequency of interest rate changes are available on this site.  Some accounts have penalties for early withdrawal.  Other fees may also reduce the earnings on an account.

These rates are the latest rates available.  These rates are subject to change on a daily basis.  You may call 217-796-3305 to determine if any of the posted information has changed.  All accounts are insured by Federal Deposit Insurance Corporation (FDIC)

Effective October 19, 2012

Account Type	APY	Rate	Minimum Deposit
NOW Account	0.10%	0.10%	$1,200
Super NOW	0.15%	0.15%	$2,500
Money Market	0.20%	0.20%	$2,500
Money Market	0.25%	0.25%	$50,000
Savings	0.15%	0.15%	$10.00
91 Day C.D.	0.20%	0.20%	$1,000
182 Day C.D.	0.25%	0.25%	$1,000
12 Mos. C.D.	0.40%	0.40%	$1,000
18 Mos. C.D.	0.50%	0.50%	$1,000
24 Mos. C.D.	0.65%	0.65%	$1,000
36 Mos. C.D.	0.90%	0.90%	$1,000
48 Mos. C.D.	1.11%	1.10%	$1,000
60 Mos. C.D.	1.41%	1.40%	$1,000
I.R.A. 12 Mos.	0.45%	0.45%	$1,000

FDIC's Transaction Account Guarantee Program:  Through December 31, 2012, all non-interest bearing transaction account are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the TAG Program is in addition to and separate from the coverage under FDIC's general deposit insurance rules.

FDIC Insurance: The regular FDIC insurance limit was $100,000 has now been permanently increased to $250,000 under the FDIC's general deposit insurance rules.

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