Minimum balance to open the account: You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees: If your balance falls below $500.00 on any day in the monthly statement cycle, we will impose a service charge fee of $7.00 once during the statement cycle. This fee does not apply to customers 55 and over or full-time students (with proof of enrollment).
Additional Features: Account qualifies for Online Banking and Bill Pay
Minimum balance to open the account: You must deposit $100.00 to open this account.
Fees: A service charge fee of $10.00 will be charged each monthly statement cycle if the minimum monthly activity requirements are not met.
Minimum monthly activity requirements: To avoid the monthly service charge fee, you must meet the following requirements:
Additional Features: Account qualifies for Online Banking and Bill Pay
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account at any time.
Determination of rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency: Interest will not be compounded on the account. Interest will be credited to your account monthly.
Minimum balance to open the account: You must deposit $1,500.00 to open this account.
Minimum balance to avoid imposition of fees: A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Additional Features: Account qualifies for Online Banking and Bill Pay.
Limitations: For-Profit Organizations (e.g. Corporations, Partnerships, Associations, Business Trusts) not eligible for Now Account.
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account at any time.
Determination of rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency: Interest will not be compounded. Interest will be credited to your account monthly.
Minimum balance to open the account: You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Fees: A service charge fee of $10.00 will be charged each monthly statement cycle.
Additional Features: Account qualifies for Online Banking, Bill Pay and Membership Benefits. One box of standard color, wallet -sized, non-duplicate checks free at time of opening.
Limitations: For-Profit Organizations (e.g. Corporations, Partnerships, Associations, Business Trusts) not eligible for Now Account.
For additional benefits and features, click the link below to sign up:
Age Requirement: 55 years or older
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account at any time.
Determination of rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency: Interest will not be compounded on the account. Interest will be credited to your account monthly.
Minimum balance to open the account: You must deposit $100.00 to open this account.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Additional Features: Account qualifies for Online Banking and Bill Pay. Free standard color, wallet-sized, non-duplicate checks included with account.
Limitations: For-Profit Organizations (e.g. Corporations, Partnerships, Associations, Business Trusts) not eligible for Now Account.
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account at any time.
Determination of rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency: Interest will not be compounded. Interest will be credited to your account monthly.
Minimum balance to open the account: You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition of fees: A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Fees: A per item service charge fee of $10.00 will be charged for each debit transaction in excess of three (3) during a month.
Additional Features: Account qualifies for Online Banking and Bill Pay
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account at any time.
Determination of rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account quarterly.
Minimum balance to open the account: You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees: A service charge fee of $2.00 will be imposed every month if the balance in the account falls below $200.00 any day of the month.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Fees: A per item service charge fee of $0.50 will be charged for each debit transaction in excess of three (3) during a quarterly statement cycle.
Additional Features: Account qualifies for Online Banking
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account at any time.
Determination of rate: At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account quarterly.
Minimum balance to open the account: You must deposit $10,000.00 to open this account.
Minimum balance to avoid imposition of fees: A service charge fee of $10.00 will be imposed every month if the balance in the account falls below $10,000.00 any day of the month.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Additional Features: Account qualifies for Online Banking
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account at any time.
Determination of rate: At our discretion, we may change the interest rate on your account.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $200.00 in the account each day to obtain the disclosed annual percentage yield.
Compounding and crediting frequency: Interest will be not be compounded. Interest will be credited to your account monthly.
Minimum balance to open the account: You must deposit $200.00 to open this account.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitation: Total annual deposits may not exceed maximum allowable by law. Withdraws must be for covered medical expenses.
Additional Features: Account qualifies for Online Banking
Looking to save money for the holidays? Look no further! Call us at (618) 687-1711 or Contact Us about our Christmas Clubs.
* Fees may reduce earnings on account.
Online Banking and Bill Pay subject to approval.
| Type | Interest Rates | Minimum Balance to Open | Annual Percentage Yield (APY) |
|---|---|---|---|
| Customer First Checking | .03% | $100.00 | .03% |
| Senior Citizen's Checking | .03% | $100.00 | .03% |
| NOW Account | .03% | $1500.00 | .03% |
| Money Market Account | .05% | $2500.00 | .05% |
| Passbook Savings | .05% | $50.00 | .05% |
| Community Savings | .10% | $10,000.00 | .10% |
*Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. The early withdraw penalty for CD’s 12 months or less is three months (90 Days) simple interest. The early withdraw penalty for CD’s more than 12 months is six months (180 Days) simple interest. See your notice of penalty for early withdrawal for more information.*
| Duration | Interest Rates | Minimum Balance to Open | Annual Percentage Yield (APY) |
|---|---|---|---|
| 32 Days | .02% | $1,000.00 | .02% |
| 91 Days | .05% | $1,000.00 | .05% |
| 6 Months | .05% | $1,000.00 | .05% |
| 9 Months | .05% | $1,000.00 | .05% |
| 12 Months | .05% | $1,000.00 | .05% |
| 15 Months | .12% | $1,000.00 | .12% |
| 18 Months | .12% | $1,000.00 | .12% |
| 24 Months | .18% | $1,000.00 | .18% |
| 36 Months | .30% | $1,000.00 | .30% |
| Type | Interest Rate | Minimum Balance to Open | Annual Percentage Yield (APY) |
|---|---|---|---|
| 1 Year (Fixed Rate) | .05% | $1,000.00 | .05% |
| Type | Interest Rate | Minimum Balance to Open | Annual Percentage Yield (APY) |
|---|---|---|---|
| HSA | .10% | $200.00 | .10% |
We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
