Rates

Rates effective April 21, 2014 to April 27, 2014


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

Pot O' Gold Checking

AmountRateAPY*
Portion $10,000 & below 1.99% 2.01%
Portion over $10,000 0.15% 0.15%

**$50 Minimum Opening Deposit. 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

AmountRateAPY*
$10,000 and up 0.05% 0.05%
$2,500 - $9,999 0.03% 0.03%
$2,499 & below 0.00% 0.00%

**$100 Minimum Opening Deposit.

Prime Money Market

AmountRateAPY*
$25,000 and up 0.17% 0.17%
$15,000 to $24,999 0.05% 0.05%
$14,999 & below 0.00% 0.00%

**$15,000 Minimum Opening Deposit.

Free Checking & E-Checking

AmountRateAPY*
Any Amount 0.00% 0.00%

*APY=Annual Percentage Yield

**$50 Minimum Opening Deposit.

Interest Checking

AmountRateAPY*
$15,000 and up 0.10% 0.10%
$5,000 to $14,999 0.06% 0.06%
$1,000 to $4,999 0.05% 0.05%
$999 & below 0.00% 0.00%

*APY=Annual Percentage Yield

**$50 Minimum Opening Deposit.

Certificate Specials

Under $100,000$100,000 and Over
Term RateAPY*RateAPY*
7 Month 0.51% 0.51% 0.57% 0.57%
36 Month Launch Ready1.01%1.01% 1.07%1.08%

*APY=Annual Percentage Yield

**$10,000 Minimum Opening Deposit for 7 Month CD. **$10,000 Minimum Opening Deposit for 36 Month Launch Ready CD.Personal accounts only.

Certificates of Deposit

Under $100,000$100,000 and Over
Term RateAPY*RateAPY*
10 Years 1.99% 2.01% 2.05% 2.07%
5 Years 1.50% 1.51% 1.56% 1.57%
48 Months 1.06% 1.07% 1.12% 1.13%
36 Months 0.42% 0.42% 0.48% 0.48%
24 Months 0.24% 0.24% 0.30% 0.30%
18 Months 0.18% 0.18% 0.24% 0.24%
12 Months 0.10% 0.10% 0.16% 0.16%
9 Months 0.28% 0.28% 0.340.34
6 Months 0.06% 0.06% 0.12% 0.12%
3 Months 0.05% 0.05% 0.11% 0.11%

*APY=Annual Percentage Yield

**$1,000 Minimum Opening Deposit. Interest on Certificates of Deposit begins to accrue on the business day you deposit non-cash items.

Regular Passbook Savings

AmountRateAPY*
$100 and up 0.05% 0.05%
Below $100 0.00% 0.00%

**$50 Minimum Opening Deposit.

Christmas Club

AmountRateAPY*
Full Balance 0.05% 0.05%

*APY=Annual Percentage Yield

**See us for specific details on Christmas Club Accounts.

Individual Retirement Account Special

Under $100,000$100,000 and Over
Term RateAPY*RateAPY*

36 Month IRA Launch Ready

1.01%

1.01%

1.07%

1.08%

**$5,000 Minimum Opening Deposit. Upon maturity, 36 Month Launch Ready IRA will renew at the current regular 36 month rate and term.

IRA Accounts

Under $100,000$100,000 and Over
Term RateAPY*RateAPY*
10 Years 1.99% 2.01% 2.05% 2.07%
5 Years 1.50% 1.51% 1.56% 1.57%
48 Months 1.06% 1.07% 1.12% 1.13%
36 Months 0.42% 0.42% 0.48% 0.48%
24 Months 0.24% 0.24% 0.30% 0.30%
18 Months 0.18% 0.18% 0.24% 0.24%
12 Months 0.10% 0.10% 0.16% 0.16%

**$1,000 Minimum Opening Deposit.

Money Market IRA

AmountRateAPY*
Full Balance 0.10% 0.10%

Health Savings Accounts

AmountRateAPY*
Full Balances 1.00% 1.00%

*APY=Annual Percentage Yield



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.


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.


Certificate of Deposit specials only apply to personal accounts.