Rates

Deposit accounts and deposit account rates quoted are effective as of October 17, 2023.

Loan rates effective as of today’s date. Rates subject to change without notice.

View today's rates on our wide variety of products

Select your product of interest on the left to see rates.

Elite Plus Checking Logo

Minimum balance to open: N/A

Annual Percentage Yield	Balance Required to Obtain Annual Percentage Yield	Interest Rate
1.75%	$.01-$10,000.00	1.73%
0.25%-1.75%	$10,000.01 or more	0.25%

Elite Plus Checking Disclosures

• Minimum Requirements: Must be enrolled and log into online banking, enroll and receive eStatement notices, and have at least 15 debit card purchases post and settle per statement cycle.
• If minimum requirements are met, balances between $.01 and $10,000.00 will earn the top-tier rate, balances over $10,000.00 will earn the second-tier rate. If you do not meet the minimum requirements per statement cycle, your account will earn 0.03% annual percentage yield.
• Nationwide ATM fee refunds up to $20.00 per statement cycle when minimum requirements are met.
• No monthly service fee or minimum balance required.
• Interest compounds daily and is credited on your statement cycle date.
• Interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
• The Annual Percentage Yield assumes interest will remain on deposit. A withdrawal will reduce earnings.
• Personal use only.
• Statements are cut on the 20th of each month. If the 20th of the month falls on a weekend or a legal holiday, your statement will cut on the business day prior to the weekend or holiday.

Elite Plus Checking Statement Cycle Dates

Below are the Elite Plus and Elite Rewards statement cycle dates for 2022. For your debit card transactions to qualify they must post and settle on or between these dates. Please remember, merchants have the ability to set a transaction to post and settle at a later date than the day you make the transaction. Please take this into account when making your debit card transactions. If the 20th of the month falls on a weekend or a legal holiday your statement cuts on the business day prior to the weekend or holiday.

December 21, 2022- January 20, 2023
January 21, 2023- February 17, 2023
February 18, 2023-March 20, 2023
March 21, 2023- April 20, 2023
April 21, 2023- May 19, 2023
May 20, 2023- June 20, 2023
June 21, 2023- July 20, 2023
July 21, 2023- August 18, 2023
August 19, 2023- September 20, 2023
September 21, 2023- October 20, 2023
October 21, 2023- November 20, 2023
November 21, 2023- December 20, 2023

Elite Plus/Saver Checking Logo

Minimum balance to open: N/A

Annual Percentage Yield	Balance Required to Obtain Annual Percentage Yield	Interest Rate
1.75%	$.01-$10,000.00	1.73%
0.25%-1.75%	$10,000.01 or more	0.25%

Elite Plus/Saver Checking Disclosures

• Minimum Requirements: Must be enrolled and log into online banking, enroll and receive eStatement notices, and have at least 15 debit card purchases post and settle per statement cycle.
• If minimum requirements are met, balances between $.01 and $10,000.00 will earn the top-tier rate, balances over $10,000.00 will earn the second-tier rate. If you do not meet the minimum requirements per statement cycle, your account will earn 0.03% annual percentage yield.
• Nationwide ATM fee refunds up to $20.00 per statement cycle when minimum requirements are met.
• The interest from your Elite/Plus Saver Checking Account will be transferred into your Elite Saver Account.
• No monthly service fee or minimum balance required.
• Interest compounds daily and is credited on your statement cycle date.
• Interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
• The Annual Percentage Yield assumes interest will remain on deposit. A withdrawal will reduce earnings.
• Personal use only.

Elite Saver Logo

Minimum balance to open: $10.00

Annual Percentage Yield	Balance Required to Obtain Annual Percentage Yield	Interest Rate
0.50%	$.01-$10,000.00	0.50%
0.25%-0.50%	$10,000.01 or more	0.25%

Elite Saver Disclosures

• Must have an Elite Plus/Saver Checking Account.
• Minimum Requirements: Must meet minimum requirements in your Elite Plus/Saver Checking Account.
• If minimum requirements are met, balances between $.01 and $10,000.00 will earn the top-tier rate, balances over $10,000.00 will earn the second-tier rate. If you do not meet the minimum requirements per statement cycle, your account will earn 0.03% annual percentage yield.
• The interest from your Elite Plus/Saver Checking Account will be transferred into your Elite Saver Account.
• No monthly service fee or minimum balance required.
• Interest compounds daily and is credited on your statement cycle date.
• Interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
• The Annual Percentage Yield assumes interest will remain on deposit. A withdrawal will reduce earnings.
• We reserve the right to close your Elite Saver Account if you close your Elite Plus/Saver Checking Account.
• Personal use only.
• Statements are cut on the 20th of each month. If the 20th of the month falls on a weekend or a legal holiday, your statement will cut on the business day prior to the weekend or holiday.

Elite Plus/Saver Checking Statement Cycle Dates

Elite Value Checking Logo

Minimum balance to open: N/A

Annual Percentage Yield	Balance Required to Obtain Annual Percentage Yield	Interest Rate
1.00%	$.01-$15,000.00	1.00%
0.25%-1.00%	$15,000.01 or more	0.25%

Elite Value Checking Disclosures

• Minimum Requirements: Must be enrolled and log into online banking, enroll and receive eStatement notices, and have at least 10 transactions of any combination of bill payments, preauthorized withdrawals, or direct deposits post and settle per statement cycle.
• If minimum requirements are met, balances between $.01 and $15,000.00 will earn the top-tier rate, balances over $15,000.00 will earn the second-tier rate. If you do not meet the minimum requirements per statement cycle, your account will earn 0.03% annual percentage yield.
• Nationwide ATM fee refunds up to $20.00 per statement cycle when minimum requirements are met.
• No monthly service fee or minimum balance required.
• Interest compounds daily and is credited on your statement cycle date.
• Interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
• The Annual Percentage Yield assumes interest will remain on deposit. A withdrawal will reduce earnings.
• Personal use only.
• Statements are cut on the last day of the month. If the last day of the month falls on a weekend or a legal holiday, your statement will cut on the business day prior to the weekend or holiday.

Elite Value Checking Statement Cycle Dates

Below are the 2021 statement cycle dates for your Elite Value account For your debit card transactions to qualify they must post and settle on or between these dates. Please remember, merchants have the ability to set a transaction to post and settle at a later date than the day you make the transaction. Please take this into account when making your debit card transactions. If the last day of the month falls on a weekend or a legal holiday your statement cuts on the business day prior to the weekend or holiday.

January 2, 2023- January 31, 2023
February 1, 2023- February 28, 2023
March 1, 2023- March 31, 2023
April 1, 2023- April 28, 2023
April 29, 2023- May 31, 2023
June 1, 2023- June 30, 2023
July 1, 2023- July 31, 2023
August 1, 2023- August 31, 2023
September 1, 2023- September 29, 2023
September 30, 2023- October 31, 2023
November 1, 2023- November 30, 2023
December 1, 2023- December 29, 2023

Elite Rewards Checking Logo

Minimum balance to open: N/A

Annual Percentage Yield	Balance Required to Obtain Annual Percentage Yield	Interest Rate
N/A	N/A	N/A

Reward Tiers for Debit card purchases
which post and settle per statement cycle:

Tier 1	$150.00 – $200.00	Earn $5.00 cash back rewards
Tier 2	$200.01 – $5,000.00	Earn $7.50 cash back rewards
Tier 3	$5,000.01 or more	Earn $10.00 cash back rewards

Elite Rewards Checking Disclosures

• Minimum Requirements: Must be enrolled and log into online banking, enroll and receive eStatement notices, and have at least 15 debit card purchases post and settle per statement cycle.
• Receive up to $10.00 in cash back rewards when minimum requirements are met.
• Nationwide ATM fee refunds up to $20.00 per statement cycle when minimum requirements are met.
• No monthly service fee or minimum balance required.
• Personal use only.
• Statements are cut on the 20th of each month. If the 20th of the month falls on a weekend or a legal holiday, your statement will cut on the business day prior to the weekend or holiday.

Elite Rewards Checking Statement Cycle Dates

Tiered Interest Checking

Minimum balance to open: $2,500.00

Tier	Annual Percentage Yield	Interest Rate
$.01 – $2,500.00	0.10%	0.10%
$2,500.01 – $10,000.00	0.10%	0.10%
$10,000.01 – $50,000.00	0.20%	0.20%
$50,000.01 – $100,000.00	0.25%	0.25%
$100,000.01 – $250,000.00	0.30%	0.30%
$250,000.01 or more	0.40%	0.40%

Tiered Interest Checking Important Disclosures:

• A monthly fee of $5.00 will be imposed every month if the average daily balance of the statement cycle falls below $2,500.00.
• Interest compounds daily and is credited on your statement cycle date.
• Fees could reduce earnings.
• Interest rate and annual percentage yield may change at our discretion.

Elite Saver Logo

Annual Percentage Yield	Balance Required to Obtain Annual Percentage Yield	Interest Rate
0.50%	$.01-$10,000.00	0.50%
0.25%-0.50%	$10,000.01 or more	0.25%

Elite Saver Disclosures

• Must have an Elite Plus/Saver Checking Account.
• Minimum Requirements: Must meet minimum requirements in your Elite Plus/Saver Checking Account.
• If minimum requirements are met, balances between $.01 and $10,000.00 will earn the top-tier rate, balances over $10,000.00 will earn the second-tier rate. If these minimum requirements are not met during the statement cycle, your Elite Saver account will earn 0.03% annual percentage yield.
• The interest from your Elite Plus/Saver Account will be transferred into your Elite Saver Account.
• No monthly service fee or minimum balance required.
• Interest compounds daily and is credited on your statement cycle date.
• Interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest. This method applies a daily periodic rate on the principal in the account each day.
• Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
• The Annual Percentage Yield assumes interest will remain on deposit. A withdrawal will reduce earnings.
• We reserve the right to close your Elite Saver Account if you close your Elite Plus/Saver Checking Account.
• Personal use only.
• Statements are cut on the 20th of each month. If the 20th of the month falls on a weekend or a legal holiday, your statement will cut on the business day prior to the weekend or holiday.

Elite Plus Checking Statement Cycle Dates

Below are the Elite Plus and Elite Rewards statement cycle dates for 2023. For your debit card transactions to qualify they must post and settle on or between these dates. Please remember, merchants have the ability to set a transaction to post and settle at a later date than the day you make the transaction. Please take this into account when making your debit card transactions. If the 20th of the month falls on a weekend or a legal holiday your statement cuts on the business day prior to the weekend or holiday.

Christmas Club

Minimum Balance to open: $1

Annual Percentage Yield	Interest Rate
3.00%	2.96%

Important Disclosures

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 Annual Percentage Yield may change at our discretion.
†††† CHRISTMAS CLUB: Your interest rate and annual percentage yield will remain in effect until Christmas Club Checks are issued. Interest is compounded daily and credited annually. Deposits of at least $1.00 may be made at any time. No withdrawals are permitted. The balance in your account plus the accrued interest will be mailed after October 25th each year.

Kid's Club

Minimum balance to open: $10

Annual Percentage Yield	Interest Rate
0.20%	0.20%

Important Disclosures

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. Interest is compounded daily and credited quarterly on JAN. 31, APR. 30, JUL. 31 & OCT. 31. Passbooks must be presented for withdrawals. Account holders will receive a Savings Bee birthday card each year (until age 12), including a Savings Bee Buck. Savings Bee Bucks can only be deposited into a Kid’s Club Account. Current rates will be posted in our lobby or can be obtained by calling 217-347-7173. Your interest rate and Annual Percentage Yield may change at our discretion.

Tiered Statement Savings

Minimum balance to open: $10

Tier	Annual Percentage Yield	Interest Rate
$.01 – $10,000.00	0.10%	0.10%
$10,000.01 – $25,000.00	0.10%	0.10%
$25,000.01 – $50,000.00	0.20%	0.20%
$50,000.01 – $100,000.00	0.25%	0.25%
$100,000.01 or more	0.25%	0.25%

Important Disclosures

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 Annual Percentage Yield may change at our discretion.
† TIERED STATEMENT SAVINGS: A service charge of $2.00 will be imposed every month if the average daily balance of the statement cycle 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.

Commercial Statement Savings

Minimum balance to open: $100

Annual Percentage Yield	Interest Rate	Balance Required to obtain APY
0.15%	0.15%	$0 – $9,999
0.20%	0.20%	$10,000 – $49,999
0.30%	0.30%	$50,000 – $99,999
0.35%	0.35%	$100,000 – $249,999
0.40%	0.40%	$250,000 or more

Important Disclosures

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. Interest is compounded daily and credited monthly. Current rates will be posted in our lobby or can be obtained by calling 217-347-7173. Your interest rate and Annual Percentage Yield may change at our discretion.

A service charge of $5.00 will be imposed every month if the average daily balance of the statement cycle falls below $5,000.00. Interest compounds daily and is credited on your monthly cycle date. Account closing fee (within 90 days of opening) – $25.00. You may only make six third party preauthorized transfers on your account each statement cycle.

Health Savings Accounts (HSA)

Annual Percentage Yield	Interest Rate	Balance Required to Obtain APY
0.15%	0.15%	.01 – $5,000.00
0.20%	0.20%	$5,000.01 – $10,000.00
0.25%	0.25%	over $10,000.00

Important Disclosures

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. The interest compounds daily and is credited on your monthly cycle date. Current rates will be posted in our lobby or can be obtained by calling 217-347-7173. Your interest rate and Annual Percentage Yield may change at our discretion. Fees can reduce earnings.

A Health Savings Account is a special savings plan authorized by the federal government for consumers who qualify to pay so called first dollar medical expenses (i.e. the annual deductible on your health insurance plan). To be eligible for a Health Savings Account, you must be covered under a high deductible health plan (HDHP) and have no other health coverage except permitted coverage.

Certificates of Deposit (CD)

Account	Annual Percentage Yield	Interest Rate	Minimum Balance to Open
91 Day	2.25%	2.23%	$2,500
182 Day	5.28%	5.18%	$2,500
10 Month	2.52%	2.50%	$2,500
12 Month	1.50%	1.49%	$1,000
15 Month	2.00%	1.99%	$2,500
18 Month	3.25%	3.21%	$1,000
20 Month	4.05%	3.99%	$2,500
24 Month	2.00%	1.99%	$1,000
30 Month	2.40%	2.38%	$1,000
36 Month	3.29%	3.25%	$2,500
48 Month	2.25%	2.23%	$1,000
60 Month	4.05%	3.99%	$1,000
84 Month	2.75%	2.72%	$1,000

Important Disclosures

We use the daily balance method to calculate the interest on all accounts. Interest begins to accrue on the business day you deposit. After the account is opened, you may not make deposits into or withdraw from (without a penalty) your account until the maturity date. All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account.

60 Day – 91 Day – 182 Day – 10 Month Certificates

The interest rate and annual percentage yield will remain in effect until maturity

This account will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty.

Interest compounds and credits to your account at maturity. You may request an interest check be mailed or transferred at maturity to another account in our bank. Interest checks or interest transfers will reduce the annual percentage yield.

The penalty for early withdrawal on the 60 Day Certificate and the 91 Day Certificate is all interest paid, credited or accrued on the amount withdrawn, this must equal at least 30 days simple interest, whether earned or not.

The 182 Day and 10 MONTH Certificate early withdrawal penalty is all interest paid, credited or accrued on the amount withdrawn, this must equal to at least 90 days simple interest whether earned or not.

12-15-18-20 Month Certificates

The interest rate and annual percentage yield will remain in effect until maturity.

Interest is compounded and credited quarterly on JAN. 31, APR. 30, JUL. 31 & OCT. 31ST. You may request an interest check be mailed monthly, quarterly, semi-annually or transferred to another account at our bank. Interest checks or interest transfers will reduce the annual percentage yield.

The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty.

Early withdrawal penalty is an amount equal to 180 days simple interest, whether earned or not.

24-30-48-60-84 Month Certificates

The interest rate and annual percentage yield will remain in effect until maturity.

Interest is compounded and credited quarterly on JAN. 31, APR. 30, JUL. 31 & OCT. 31ST. You may request an interest check be mailed monthly, quarterly, semi-annually or transferred to another account at our bank. Interest checks or interest transfers will reduce the annual percentage yield.

The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty.

The 24 Month and 30 Month Certificate early withdrawal penalty is an amount equal to 270 days simple interest, whether earned or not

The 36-48-60 Month Certificate early withdrawal penalty is an amount equal to 365 days simple interest, whether earned or not

The 84 Month Certificate early withdrawal penalty is an amount equal to 540 days simple interest, whether earned or not.

36 Month Bump Rate Certificate

Interest is compounded and credited quarterly on JAN. 31, APR. 30, JUL. 31 & OCT. 31ST. You may request an interest check be mailed monthly, quarterly, semi-annually or transferred to another account at our bank. Interest checks or interest transfers will reduce the annual percentage yield.

The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty.

Early withdrawal penalty is an amount equal to 365 days simple interest, whether earned or not.

The interest rate for your account will be paid until maturity, unless you exercise your right to bump the rate.

The option must be exercised by the accountholders in person in writing on a form provided by the institution and acknowledged by our representative.

The Bump Rate option does not extend the original maturity date.

The new adjusted interest rate is paid from the date the original interest rate is bumped to the end of the original term.

If your certificate auto-renews, the Bump Rate option is allowed one time during each renewal period.

Roth IRAs

Account	Annual Percentage Yield	Interest Rate	Minimum Balance to Open
18 Month Variable	3.25%	3.21%	$100
12 Month	1.50%	1.49%	$1,000
15 Month	2.00%	1.99%	$2,500
24 Month	2.00%	1.99%	$1,000
36 Month Bump	3.29%	3.25%	$2,500
84 Month	2.75%	2.72%	$1,000

Important Disclosures

We use the daily balance method to calculate the interest on all accounts. Interest begins to accrue on the business day you deposit. A penalty may be imposed for early withdrawal. All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account. All Federal IRA rules and regulations pertain to the above accounts.

18 MONTH VARIABLE RATE: You must deposit $100.00 to open this account. Additional deposit can be made of $1.00 or more at any time. Your interest rate is subject to change on February 1st and August 1st to not less than the rate currently being paid on our 18 month fixed rate CD’s. This account will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. Interest is compounded and credited semi-annually on January 31 and July 31st of each year. Early withdrawal penalty is an amount equal to 180 days simple interest, whether earned or not.

12 MONTH – 15 MONTH – 18 MONTH CERTIFICATES: Interest begins to accrue on the business day you deposit. The interest rate for your account will be paid until maturity. Interest is compounded and credited quarterly on Jan. 31, April 30, July 31, and Oct. 31. The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. After the account is opened you may not make deposits into your account until the maturity date. Early withdrawal penalty is an amount equal to 180 days simple interest, whether earned or not.

24 MONTH – 30 MONTH – 60 MONTH – 84 MONTH CERTIFICATES: Interest begins to accrue on the business day you deposit. The interest rate for your account will be paid until maturity. Interest is compounded and credited quarterly on Jan. 31, April 30, July 31, and Oct. 31. The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. After the account is opened you may not make deposits into your account until the maturity date.

The 24 Month and 30 Month Certificate early withdrawal penalty is an amount equal to 270 days simple interest, whether earned or not.

The 48 – 60 Month Certificate early withdrawal penalty is an amount equal to 365 days simple interest, whether earned or not.

The 84 Month Certificate early withdrawal penalty is an amount equal to 540 days simple interest, whether earned or not.

36 MONTH BUMP RATE CERTIFICATE: Interest is compounded and credited quarterly on JAN. 31, APR. 30, JUL. 31 & OCT. 31st. The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. After the account is opened you may not make deposits into your account until the maturity date. Early withdrawal penalty is an amount equal to 365 days simple interest, whether earned or not. The interest rate for your account will be paid until maturity, unless you exercise your right to bump the rate. The option must be exercised by the accountholders in person in writing on a form provided by the institution and acknowledged by our representative. The Bump Rate option does not extend the original maturity date. The new adjusted interest rate is paid from the date the original interest rate is bumped to the end of the original term. If your certificate auto-renews, the Bump Rate option is allowed one time during each renewal period.

Traditional IRAs

Account	Annual Percentage Yield	Interest Rate	Minimum Balance to Open
18 Month Variable	3.25%	3.21%	$100
12 Month	1.50%	1.49%	$1,000
15 Month	2.00%	1.99%	$2,500
18 Month	3.25%	3.21%	$1,000
24 Month	2.00%	1.99%	$1,000
30 Month	2.40%	2.38%	$1,000
36 Month Bump	3.29%	3.25%	$2,500
60 Month	4.05%	3.99%	$1,000
84 Month	2.75%	2.72%	$1,000

Important Disclosures

We use the daily balance method to calculate the interest on all accounts. Interest begins to accrue on the business day you deposit. A penalty may be imposed for early withdrawal. All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account. All Federal IRA rules and regulations pertain to the above accounts.

18 MONTH VARIABLE RATE: You must deposit $100.00 to open this account. Additional deposit can be made of $1.00 or more at any time. Your interest rate is subject to change on February 1st and August 1st to not less than the rate currently being paid on our 18 month fixed rate CD’s. This account will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. Interest is compounded and credited semi-annually on January 31 and July 31st of each year. Early withdrawal penalty is an amount equal to 180 days simple interest, whether earned or not.

12 MONTH – 15 MONTH – 18 MONTH CERTIFICATES: Interest begins to accrue on the business day you deposit. The interest rate for your account will be paid until maturity. Interest is compounded and credited quarterly on Jan. 31, April 30, July 31, and Oct. 31. The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. After the account is opened you may not make deposits into your account until the maturity date. Early withdrawal penalty is an amount equal to 180 days simple interest, whether earned or not.

24 MONTH – 30 MONTH – 60 MONTH – 84 MONTH CERTIFICATES: Interest begins to accrue on the business day you deposit. The interest rate for your account will be paid until maturity. Interest is compounded and credited quarterly on Jan. 31, April 30, July 31, and Oct. 31. The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. After the account is opened you may not make deposits into your account until the maturity date.

The 24 Month and 30 Month Certificate early withdrawal penalty is an amount equal to 270 days simple interest, whether earned or not.

The 48 – 60 Month Certificate early withdrawal penalty is an amount equal to 365 days simple interest, whether earned or not.

The 84 Month Certificate early withdrawal penalty is an amount equal to 540 days simple interest, whether earned or not.

36 MONTH BUMP RATE CERTIFICATE: Interest is compounded and credited quarterly on JAN. 31, APR. 30, JUL. 31 & OCT. 31st. The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty. After the account is opened you may not make deposits into your account until the maturity date. Early withdrawal penalty is an amount equal to 365 days simple interest, whether earned or not. The interest rate for your account will be paid until maturity, unless you exercise your right to bump the rate. The option must be exercised by the accountholders in person in writing on a form provided by the institution and acknowledged by our representative. The Bump Rate option does not extend the original maturity date. The new adjusted interest rate is paid from the date the original interest rate is bumped to the end of the original term. If your certificate auto-renews, the Bump Rate option is allowed one time during each renewal period.

Mortgage Rates

View Our Fixed Rate Mortgage Rates

View Our Adjustable Rate Mortgage Rates