|Monthly Service Charges||$2
|Fees may reduce earning on account|
All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principle in the account each day. Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal. Current rates will be posted in our lobby or can be obtained by calling 217-347-7173. Your interest rate and APY may change at our discretion.
† TIERED STATEMENT SAVINGS: No fee is charged if you maintain a $100.00 average monthly balance. You will be charged a $2.00 monthly fee if your average balance falls below $100.00. Interest rate and annual percentage yield is tiered and may change at our discretion. The interest rate earned depends on the daily balance in your account. The interest is compounded daily and credited monthly. Personal accounts only.