Bank Rates

Savings Accounts

Nest Egg Money Market Account

Rates effective as of July 30, 2018

Minimum Balance Required to Obtain APY APY Rate
Less than or equal to $9,999.99 .25% .25%
$10,000.00 to $49,999.99 .75% .75%
$50,000.00 to $249,999.99 1.00% 1.00%
$250,000.00 and greater 1.49% 1.50%

Minimum deposit to open is $10,000.
Please request further information from an employee concerning fees and terms applicable to the advertised account.
Rates are subject to change daily.
Fees could reduce earnings on the account.
Rate may change after account is open.

Certificate of Deposit

Term APY Rate
73 Month (Bump-Up)* 3.16% 3.20%
72 Month 3.11% 3.15%
60 Month 2.80% 2.77%
48 Month 2.61% 2.59%
36 Month 2.55% 2.53%
33 Month Bump Up CD* 2.85% 2.82%
30 Month 2.01% 2.00%
29 Month "Hot CD"** 2.70% 2.67%
25 Month Special 2.25% 2.23%
24 Month 2.15% 2.13%
21 Month .50% .50%
18 Month 1.99% 1.98%
16 Month .45% .45%
15 Month .45% .45%
12 Month .30% .30%
8 Month .20% .20%
7 Month .20% .20%
6 Month .20% .20%
3 Month .10% .10%

Minimum deposit to open an account and minimum balance to obtain APY is $1,000 for most term options except where noted.
APY assumes no withdrawals.
A substantial penalty may be imposed for early withdrawal.
Please request further information from an employee concerning fees and terms applicable to the advertised account.
*Bump up your rate one time within 33 months or 73 months if rates increase. Single maturity.
**Minimum deposit to open and obtain APY is $10,000. Our 29 month CD will automatically roll to a 30 month term at maturity.

Individual Retirement Accounts

Term APY Rate
18 Month 1.99% 1.98%
36 Month 2.55% 2.53%
48 Month 2.61% 2.59%
60 Month 2.80% 2.77%

Minimum Balance to open is $1,000.
Minimum Balance required to obtain APY is $10.
See Savings Page for details.
A substantial penalty may be imposed for early withdrawl.
Please request further information from an employee concerning the fees and terms applicable to the advertised account.

Statement Savings Accounts

Minimum Balance Required to earn APY APY Existing Customer APY
$100.00 .05% .05%

Minimum deposit to open an account is $100.
An existing customer is an established deposit or loan account holder.
Rates are subject to change daily.
Fees could reduce earnings.
Please request further information from an employee concerning fees and terms applicable to the advertised account.

Checking Accounts

NOW Checking Account

Rates effective as of May 2, 2016

Balance APY Interest Rate
$100 to $25,000 1.25% 1.25%
Greater than $25,000 .10% .10%
Less than $100 0% 0%

Minimum deposit to open is $100.
Please request further information from an employee concerning fees and terms applicable to the advertised account.
Rates are subject to change daily.
Fees could reduce earnings.

Loan Rates

Rates effective as of April 25, 2017

Mortgage Loans

Visit our new Mortgage Center for all of our rates and products.

Loan Type Rate APR1 Points
30 Year Fixed Rate

At a 5.125% interest rate, the APR for this loan type is 5.204%. The monthly payment schedule would be:

  • 359 payments of $544.49 at an interest rate of 5.125%
  • 1 payment of $543.41 at an interest rate of 5.125%

This payment schedule is based on a $100,000 loan on a $125,000 property in Madison County, IL.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

5.125% 5.204% 0
20 Year Fixed Rate

At a 4.875% interest rate, the APR for this loan type is 4.981%. The monthly payment schedule would be:

  • 239 payments of $653.07 at an interest rate of 4.875%
  • 1 payment of $653.09 at an interest rate of 4.875%

This payment schedule is based on a $100,000 loan on a $125,000 property in Madison County, IL.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

4.875% 4.981% 0
15 Year Fixed Rate

At a 4.375% interest rate, the APR for this loan type is 4.508%. The monthly payment schedule would be:

  • 179 payments of $758.62 at an interest rate of 4.375%
  • 1 payment of $758.73 at an interest rate of 4.375%

This payment schedule is based on a $100,000 loan on a $125,000 property in Madison County, IL.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

4.375% 4.508% 0

Auto Loans

Loan Type Rate APR1
60 months2

1APR: Annual percentage rate.
2For a $15,000 auto loan with a term of 60 months with a 3.668% APR, the monthly payment would be $272.88.

3.668% 3.50%

APR: Annual Percentage Rate
APY: Annual Percentage Yield