Rates Center
Rates effective as of April 30, 2025
Find the rates you’re looking for…
Certificates of Deposit (CDs)
| Term | Rate | APY | Minimum Balance | Penalty |
| 7 – 31 Day | 0.10% | 0.10% | $10,000 | 7 days |
| 3 Month | 3.93% | 4.00% | $2,500 | 91 days |
| 6 Month | 3.98% | 4.05% | $1,000 | 91 days |
| 9 Month | 3.98% | 4.05% | $500 | 270 days |
| 12 Month | 3.88% | 3.95% | $500 | 365 days |
| 18 Month | 3.11% | 3.15% | $500 | 365 days |
| 24 Month | 3.06% | 3.10% | $500 | 365 days |
| 30 Month | 2.47% | 2.50% | $500 | 365 days |
| 36 Month | 3.06% | 3.10% | $500 | 365 days |
| 48 Month | 3.01% | 3.05% | $500 | 365 days |
| 60 Month | 2.96% | 3.00% | $500 | 365 days |
*We are not accepting financial institution’s deposits at this time.
**A penalty will or may be imposed for early withdrawal.
Now Green Checking
| Rate | APY | Minimum Balance | Penalty |
| 0.08% | 0.08% | $1,000 | $5.00 |
*We are not accepting financial institution’s deposits at this time.
Extreme Green Checking (Monthly)
| Tier | Rate | APY | Minimum Balance |
| $0.01 – $10,000 | 3.93% | 4.00% | $25 |
| $10,000 + | 0.20% | 4.00% – 0.20% | n/a |
|
All Balances (If requirements are not met.) |
0.10% | 0.10% | n/a |
* Extreme Green Checking is available only for residents of the following Illinois counties: Bond, Clark, Clay, Clinton, Coles, Crawford, Cumberland, Effingham, Fayette, Jasper, Madison, Marion, Monroe, Montgomery, Randolph, Richland, Shelby, St Clair, and Washington. *APY=Annual Percentage Yield. APYs accurate as of 10/1/2024. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 4.00%%; and (3) balances over $10,000 earn 0.20% interest rate on portion of balance over $10,000, resulting in 4.00% – 0.20% APY. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post to an account and settle during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to an account and settle . ATM-processed transactions do not count towards qualifying debit card transactions. ATM reimbursement cap is $15 per cycle.
Extreme Green Savings (Monthly)
| Tier | Rate | APY | Minimum Balance |
| $0.01 – $20,000 | 3.93% | 4.00% | $25 |
| $20,000 + | 0.20% | 4.00% – 0.20% | n/a |
|
All Balances (If requirements are not met.) |
0.10% | 0.10% | n/a |
* Extreme Green Savings is available only for residents of the following Illinois counties: Bond, Clark, Clay, Clinton, Coles, Crawford, Cumberland, Effingham, Fayette, Jasper, Madison, Marion, Monroe, Montgomery, Randolph, Richland, Shelby, St Clair, and Washington. The primary owner must be the primary owner on an Extreme Green Checking Account to qualify. If qualifications are met each monthly qualification cycle in the Extreme Green Checking account: (1) balances up to $20,000 will earn 4.00% APY; (3) balances over $20,000 will earn 0.20% APY on portion of balance over $20,000; (4) if qualifications are not met, all balances will earn 0.10%APY.
Green Savings Duo
| Account Name | Rate | APY | Minimum Balance | Penalty |
| 16-Month Duo CD | 0.85% | 0.85% | $5,000 | 365 days |
| Duo Savings Account | 0.55% | 0.55% | $25 | $3 fee if below $25 |
Money Market Plus (Monthly)
| Tier | Rate | APY | Minimum Balance | Penalty |
| $0.01 – $24,999.99 | 0.15% | 0.15% | $1,000 | $5.00 |
| $25,000 – $99,999.99 | 0.25% | 0.25% | n/a | n/a |
| $100,000 – $499,999.99 | 0.50% | 0.50% | n/a | n/a |
| $500,000 + | 1.05% | 1.06% | n/a | n/a |
* Rates may change after account is opened.
** Rates may change after account is opened. There is no minimum to open account or to obtain the advertised APY. Account holder will be automatically rolled into our regular savings account, Save Green, at age 13.
Health Savings Account (Monthly)
| Tier | Rate | APY |
| $0.01 – $4,999.99 | 0.15% | 0.15% |
| $5,000 – $9,999.99 | 0.40% | 0.40% |
| $10,000 + | 0.85% | 0.85% |
* Rates may change after account is opened.
** Rates may change after account is opened. There is no minimum to open account or to obtain the advertised APY. Account holder will be automatically rolled into our regular savings account, Save Green, at age 13.
Save Green Personal Savings (Quarterly)
| Tier | Rate | APY | Minimum Balance | Penalty |
| $0.01 – $4,999.99 | 0.10% | 0.10% | $25.00 | $3.00 fee if balance below $25 |
| $5,000 – $24,999.99 | 0.10% | 0.10% | n/a | n/a |
| $25,000 – $99,999.99 | 0.20% | 0.20% | n/a | n/a |
| $100,000 + Balance | 0.35% | 0.35% | n/a | n/a |
* Rates may change after account is opened.
** Rates may change after account is opened. There is no minimum to open account or to obtain the advertised APY. Account holder will be automatically rolled into our regular savings account, Save Green, at age 13.
Super Green Savers (Kids Account)
| Rate | APY |
| 0.50% | 0.50% |
*Account holder will be automatically rolled into our regular savings account, Save Green, at age 13.
Christmas Club Account (Annually)
| Rate | APY | Minimum Balance | Penalty |
| 1.49% | 1.50% | $2 min | n/a |
* Rates may change after account is opened.
Individual Retirement Accounts (IRA)
| Rate | APY |
| 0.60% | 0.60% |
Business Checking
| Rate | Minimum Balance | Monthly Fee | Minimum Balance Penalty |
| n/a | n/a | n/a | n/a |
* $100 minimum to open. $0.15 fee charged for every paid check, checks deposited (excluding on-us checks) and deposit tickets over 300.
Business Interest Checking
| Rate | Minimum Balance | Monthly Fee | Minimum Balance Penalty |
| .08% | $2,500 | $10 | $10 |
1 Interest credited monthly.
2 A maximum of $10 account maintenance fee will be assessed monthly.
3 $0.15 fee charged for every paid check, checks deposited (excluding on-us checks) and deposit tickets over 600.
4 A minimum balance penalty will be assessed if daily balance falls below minimum daily balance.
*fees could reduce earnings on the account.
Business Money Market
| Tier | Rate | Minimum Balance | Minimum Balance Penalty | Monthly Fee |
| $0.01 – $24,999.99 | 0.15% | $1,000 | $5 | n/a |
| $25,000 – $99,999.99 | 0.25% | $1,000 | $5 | n/a |
| $100,000 – $499,999.99 | 0.50% | $1,000 | $5 | n/a |
| $500,000 + Balance | 1.05% | $1,000 | $5 | n/a |
1 Interest credited monthly.
2 A minimum balance penalty will be assessed if daily balance falls below minimum daily balance.
*fees could reduce earnings on the account.
3 A minimum of $100 is required to open the account.
Business Savings (Quarterly)
| Tier | Rate | APY | Minimum Balance | Penalty |
| $0.01 – $4,999.99 | 0.10% | 0.10% | $100.00 | $3.00 fee if balance below $100 |
| $5,000 – $24,999.99 | 0.10% | 0.10% | n/a | n/a |
| $25,000 – $99,999.99 | 0.15% | 0.15% | n/a | n/a |
| $100,000 + Balance | 0.20% | n/a | n/a | n/a |
1 Interest credited quarterly.
2 A minimum balance penalty will be assessed if daily balance falls below minimum daily balance.
*fees could reduce earnings on the account.
3 A minimum of $100 is required to open the account.
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