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Current Rates

Certificate of Deposit Rates

Our interest rates and Annual Percentage Yields (APY's) are accurate as of 2/21/2019 but are subject to change.

Penalty may be imposed for early withdrawal.

TermMin BalanceRateAPY
30 day$1,0000.100 % 0.100 %
91 Day$1,0000.100 % 0.100 %
6 Month$1,0000.150 % 0.150 %
12 Month$1,0000.200 % 0.200 %
18 Month$1,0001.990 % 2.000 %
24 Month$1,0000.350 % 0.350 %
36 Month$1,0002.480 % 2.500 %
48 Month$1,0001.590 % 1.600 %
60 Month$1,0001.740 % 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 TypeMin. Opening DepositMin. Daily BalanceRateAPY
Variable Rate Passbook$10,000$100,000 & Up0.200 % 0.200 %
Variable Rate Passbook$10,000$50,000.00 - $99,999.990.200 % 0.200 %
Variable Rate Passbook$10,000$10,000.00 - $49,999.990.150 % 0.150 %
Variable Rate Passbook$10,000$0 - $9,999.990.100 % 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 TypeMin. Opening DepositMin. Daily BalanceRateAPY
NOW$1,500None0.100 % 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 TypeMin. Opening DepositMin. Daily BalanceRateAPY
Vault/Mariner Checking$100None0.100 % 0.100 %
Regular Savings$100None0.100 % 0.100 %
Holiday Savings Account$1$10.100 % 0.100 %
Health Savings AccountNoneNone0.100 % 0.100 %

FHA

TermRateAPR Monthly Payment
30 Year4.125 % 5.233% $493.13

VA

TermRateAPR Monthly Payment
30 Year4.125 % 4.430% $495.07

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

Apply online
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Our rates are accurate as of 2/21/2019 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 2/19/2019, for approved customers.


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