The interest rate and annual percentage yield (APY) disclosed are accurate as of August 29, 2022. If you would like more current rate and yield information, please contact a Personal Banker at (618) 997-4341. Disclosures are available upon request.

Certificate of Deposit / IRA Certificate of Deposit Learn More

Account Term Interest Rate APY Minimum Balance to Open and Retain CD Minimum Daily Balance to Earn APY
3 Month 0.11% 0.11% $2,500 $2,500
6 Month 0.16% 0.16% $2,500 $2,500
9 Month Liquid 0.18% 0.18% $5,000 $5,000
12 Month 0.31% 0.31% $1,000 $1,000
15 Month 1.02% 1.02% $1,000 $1,000
18 Month 0.56% 0.56% $1,000 $1,000
24 Month 0.51% 0.51% $1,000 $1,000
28 Month 0.53% 0.53% $1,000 $1,000
30 Month 0.53% 0.53% $1,000 $1,000
36 Month 0.55% 0.55% $1,000 $1,000
48 Month 0.76% 0.76% $1,000 $1,000
60 Month 0.96% 0.96% $1,000 $1,000

The interest rate and APY are subject to change upon maturity. We may impose an early withdrawal penatly on any withdrawal, either partial of in whole, that we allow you to make to your account prior to the maturity date. Fees could reduce the earnings/yield on the account.

3 Month through 9 Month - Interest may be credited to an account or a check may be issued monthly, or at maturity.

12 Month through 60 Month - Interest may be credit to an account or a check may be issued monthly, quarterly, or semi-annually. The APY for certificate of deposits 12 month and greater are based on quarterly compounding.

Checking/Savings Accounts

Account Type Interest Rate APY Minimum Balance to Open and Retain CD Minimum Daily Balance to Earn APY
Business Interest Checking 0.05% 0.05% $1,000 $1,000
Business Premier Money Market 0.05% 0.05% $2,500 $2,500
Business Savings 0.05% 0.05% $100 $0
Fortune 55 Interest Checking 0.05% 0.05% $100 $0
Health Savings Account 0.05% 0.05% $10 $0
Interest Checking 0.05% 0.05% $1,000 $1,000
Kasasa Cash Checking See a Personal Banker for details See a Personal Banker for details $100 See a Personal Banker for details
Premier Money Market 0.05% 0.05% $2,500 $2,500
Star Savings 0.05% 0.05% $100/$10 for minors $0

The interest rate and APY are variable and subject to change at any time after account opening. Fees could reduce the earnings/yield on the account.