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Deposit Rates
1/30/2012 - 2/5/2012

Rates may not be available outside of Tazewell, Peoria, Woodford, Mason, Marshall, McDonough, Fulton, Livingston and McLean Counties in Illinois.  Please contact us for a copy of our Schedule of Services for additional policies and services related to deposit accounts.  Rates subject to change without notice.  "APY" is Annual Percentage Yield

Checking

Rate and APY are shown in percent

Pot O' Gold Checking
$50 Minimum

Portion $10,000 & below 2.48 2.51
Portion over $10,000 0.15 0.15
If monthly account activity requirements detailed in the Pot O' Gold Checking Account Disclosure are not met, interest for that month is computed at .15% APY.

Money Market
$100 Minimum

Amount Rate APY

$10,000 & up

0.10 0.10

$2,500 - $9,999

0.05 0.05

$2,499 & below

0.00 0.00

Prime Money Market

$15,000 minimum

Amount Rate APY

$25,000 & up

0.46 0.46

$15,000 - $24,999

0.15 0.15

$14,999 & below

0.00 0.00

Interest Checking

$50 minimum

Amount Rate APY

$15,000 and up

0.24 0.24
$5,000 to $14,999 0.16 0.16
$1,000 to$4,999 0.05 0.05
$999 & below 0.00 0.00

Free Checking & E-checking
$50 mimimum

Amount Rate APY

$1,000 and up

0.00 0.00

$999 & below

0.00 0.00

Savings

M=Months Y=Years

Rate and APY are shown in percent

Certificate Specials - $10,000 Min.

Under $100,000 $100,000 and Over
Term Rate APY Rate APY

7 M

0.55 0.55 0.61 0.61

Upon maturity, 7 Month CD with renew at the current 6 month rate and term.Upon maturity,

Certificates of Deposit - $1,000 Min.

Under $100,000 $100,000 and Over
Term Rate APY Rate APY

10 Y

2.13 2.15 2.19 2.21

5 Y

1.41 1.42 1.47 1.48

48 M

1.02 1.02 1.08 1.09

36 M

0.65 0.65 0.71 0.71

24 M

0.42 0.42 0.48 0.48

18 M

0.31 0.31 0.37 0.37

12 M

0.20 0.20 0.26 0.26

9 Mo

0.18 0.18 0.24 0.24

6 Mo

0.15 0.15 0.21 0.21

3 Mo

0.11 0.11 0.17 0.17

Regular Passbook Savings
$50 Minimum

Amount Rate APY

$100 & up

0.10 0.10

Below $100

0.00 0.00

Christmas Club

Amount Rate APY

Full Balance

0.25 0.25

Individual Retirement Account Special

Under $100,000 $100,000 & Over
Term Rate APY RATE APY

5 Y

1.51 1.52 1.57 1.58

IRA Accounts - $1,000 Minimum

Under $100,000 $100,000 and Over
Term Rate APY RATE APY

10 Y

2.13 2.15 2.19 2.21

5 Y

1.51 1.52 1.57 1.58

48 M

1.02 1.02 1.08 1.09

36 M

0.65 0.65 0.71 0.71

24 M

0.42 0.42 0.48 0.48

18 M

0.31 0.31 0.37 0.37

12 M

0.20 0.20 0.26 0.26

Money Market IRA

Amount Rate APY

All Balances

0.10 0.10

Health Savings Accounts

Amount Rate APY

Full Balances

1.00 1.00

Interest on Certificates of Deposit begins to accrue on the business day you deposit non-cash items. Interest on all other accounts begins to accrue no later than the business day the bank receives credit for the deposit of non-cash items.

For purposes of determining applicable rates, deposit amounts are rounded down to the nearest dollar. For example, a balance $14,999.90 would qualify for rates payable on deposits up to $14,999, not for rates payable on deposits of $15,000 or over.

Interest is calculated daily on daily available balance and credited monthly. Annual Percentage Yield (APY) calculations are for a one year period (365 days) and compounded on a monthly basis. See us for specific details on Christmas Club Accounts. Specials cannot be combined with other offers.  Account fees may reduce earnings. Withdrawals of interest will reduce earnings. Interest rates are based on local market conditions and subject to change at any time.  Early withdrawal penalty may be imposed