Rates effective October 4th, 2015

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BalanceAPY*ATM RefundsMinimum BalanceNature of CompoundingPenalty
Up to $25,000**1.56%Up to $20.00 per cycle††NONE†Interest will be compounded daily and will be credited to your account monthlyNONE
Excess balance over $25,000.00**0.26%
Requirements not met**0.10%

* Annual Percentage Yield

**Qualifications for each monthly qualification cycle: 1. Have at least 10 debit card purchases post and clear per qualification cycle (excludes ATM withdrawals), 2. Have at least one direct deposit or ACH debit post and clear per qualification cycle, 3. Receive electronic statements.

†Minimum deposit to open account is $50.00. No minimum balance to earn rewards or maintain account.

††ATM fees are refunded only if qualifications are met. For more information, click here.

Other Deposit Accounts

Account TypeInterest RateAPY*Minimum BalanceNature of CompoundingPenalty
Regular Savings0.15%0.15%$100.00 to avoid a $10.00 quarterly service charge

$25.00 for account to remain open

Quarterly 6 free w/d, $1.00 charge for each thereafter, no interest paid if balance is less than $100.00
Junior Account 0.15%0.15%$5.00Quarterly 6 free w/d, $1.00 charge for each thereafter
Christmas Club0.15%0.15%$1.00Simple interest paid at club year endNo withdrawals
Now Account0.05%0.05%$500.00Daily balance & interest paid monthly$10.00 if balance falls below $500.00
Money Market Plus0.05%0.05%$1,000.00Daily balance & interest paid monthly$15.00 if balance falls below $1,000.00. Transfers are limited to six per statement cycle.
Prime Benefits and Foundation Club0.05%0.05%$2,500.00Daily balance & interest paid monthlyNo interest is paid if balance is less than $2,500.00

* Annual Percentage Yield

Certificate of Deposit (CD's)

Account TypeInterest RateAPY*Minimum BalanceNature of CompoundingPenalty
3 Month .10% .10%$500.00Paid at maturity3 month interest
6 Month .20% .20%$500.00Simple interest monthly or compounded quarterly3 month interest
12 Month .30% .30%$500.00quarterly optional3 month interest
18 Month .40% .40%$500.00quarterly optional6 month interest
24 Month .50% .50%$500.00quarterly optional6 month interest
30 Month .60% .60%$500.00quarterly optional6 month interest
36 Month .85% .85%$500.00quarterly optional6 month interest
48 Month0.95%0.95%$500.00quarterly optional12 month interest
60 Month1.20%1.21%$500.00quarterly optional12 month interest

* Annual Percentage Yield

Automatically renewable at current rates.


IRA Rates

Account TypeMinimum AmountInterest RateAPY*
6 Month$500.00 .25% .25%
12 Month$500.00 .30% .30%
18 Month Fixed$500.00 .50% .50%
24 to 30 Month$500.00 .65% .65%
36 to 48 Month$500.001.00%1.00%

* Annual Percentage Yield

May Not Withdraw From Accounts Until Age 59 1/2 Without Substantial Penalty. Interest Is Added Quarterly.


Our Investment Options will give you competitive rates, giving you the banking edge at a price you can afford. If you need further information on any of these products, simply call us at 217-897-1136 in Fisher or 217-586-1136 in Mahomet.