Current Rates

Certificate of Deposit Rates

Our rates are accurate as of 11/14/2018 but are subject to change.

Penalty may be imposed for early withdrawal.

Term	Min Balance	Rate	APY
30 day	$1,000	0.100 %	0.100 %
91 Day	$1,000	0.100 %	0.100 %
6 Month	$1,000	0.150 %	0.150 %
12 Month	$1,000	0.200 %	0.200 %
18 Month	$1,000	1.990 %	2.000 %
24 Month	$1,000	0.350 %	0.350 %
36 Month	$1,000	0.650 %	0.650 %
48 Month	$1,000	1.590 %	1.600 %
60 Month	$1,000	1.740 %	1.750 %

Money Market Rates

The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

Springfield, Illinois: * Balances below $10,000.00 will be subject to a $10.00 monthly charge.

All other locations: * Balances below $2,500 will be subject to a $10.00 monthly charge.

Account Type	Min. Opening Deposit	Min. Daily Balance	Rate	APY
Variable Rate Passbook	$10,000	$100,000 & Up	0.200 %	0.200 %
Variable Rate Passbook	$10,000	$50,000.00 - $99,999.99	0.200 %	0.200 %
Variable Rate Passbook	$10,000	$10,000.00 - $49,999.99	0.150 %	0.150 %
Variable Rate Passbook	$10,000	$0 - $9,999.99	0.100 %	0.100 %

NOW Account Rates

The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

Account Type	Min. Opening Deposit	Min. Daily Balance	Rate	APY
NOW	$1,500	None	0.100 %	0.100 %

Other Account Rates

The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

Account Type	Min. Opening Deposit	Min. Daily Balance	Rate	APY
Vault/Mariner Checking	$100	None	0.100 %	0.100 %
Regular Savings	$100	None	0.100 %	0.100 %
Holiday Savings Account	$1	$1	0.100 %	0.100 %
Health Savings Account	None	None	0.100 %	0.100 %

FHA

Term	Rate	APR	Monthly Payment
30 Year	4.875 %	5.995%	$538.47

VA

Term	Rate	APR	Monthly Payment
30 Year	4.875 %	5.100%	$540.59

To talk to a lender about a mortgage call 1-800-811-4190

Apply online
Download & print an application

Our rates are accurate as of 11/14/2018 but are subject to change without notice. Rates and APR calculations for 30-, 20-, 15- and 10-year loans are based on a loan of $100,000 with a maximum LTV of 75%. Rate and APR calculations for FHA loans are based on a loan of $100,000 with a maximum LTV of 96.5%. Rate and APR calculations for VA loans are based on a loan of $100,000 with a maximum LTV of 100%. Rate and APR calculations for Rural Development loans are based on a loan of $100,000 with a maximum LTV of 100%. Rates may vary based on credit score, loan purpose and loan-to-value ratio.

Click here for details on closing costs.

Selected Rates current as of 11/14/2018, for approved customers.

Digital Banking

Current Rates

Certificate of Deposit Rates

Money Market Rates

NOW Account Rates

Other Account Rates

FHA

VA

To talk to a lender about a mortgage call 1-800-811-4190

Apply online
Download & print an application

Digital Banking

Current Rates

Certificate of Deposit Rates

Money Market Rates

NOW Account Rates

Other Account Rates

FHA

VA

To talk to a lender about a mortgage call 1-800-811-4190

Apply onlineDownload & print an application

Digital Banking

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Apply online
Download & print an application