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Rates Center




APY=Annual Percentage Yield.

APR=Annual Percentage Rate.



 

Consumer Deposit Rates

Rates effective as of September 20, 2023.

 

Certificates of Deposit (CDs) 2,4


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Term
Rate
APY
Minimum Balance
Penalty
7 - 31 Day 0.10% 0.10% $10,000 7 days
3 Month 4.91% 5.00% $2,500 91 days
6 Month 4.45% 4.50% $1,000 91 days
7 Month Special* 5.18% 5.30% $25,000 91 days
9 Month 4.44% 4.50% $500 270 days
12 Month 4.21% 4.25% $500 365 days
18 Month 3.47% 3.50% $500 365 days
24 Month 3.47% 3.50% $500 365 days
30 Month 2.48% 2.50% $500 365 days
36 Month 2.48% 2.50% $500 365 days
48 Month 2.48% 2.50% $500 365 days
60 Month 2.48% 2.50% $500 365 days











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
 

Now Green Checking2


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Rate
APY
Minimum
Balance
Penalty
0.08% 0.08% $1,000 $5.00


Extreme Green Checking(Monthly)1


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 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


Money Market Plus (Monthly) 3,5

 

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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


Health Savings Account (Monthly)3,5


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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%


Save Green Personal Savings (Quarterly) 3,5


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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



Super Green Savers (Kids Account)6


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Rate
APY
0.50% 0.50%



Christmas Club Account (Annually)3

  
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Rate
APY
Minimum Balance
Penalty
1.00% 1.00% $2 min N/A

  

Individual Retirement Accounts (IRA)


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Rate
APY
0.60% 0.60%


1 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 9/20/2023. 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 . 

2 We are not accepting financial institution's deposits at this time.
3 Rates may change after account is opened.
4 A penalty will or may be imposed for early withdrawal.
5 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.
*Minimum opening balance and minimum to obtain disclosed APY is $25,000. The 7-month CD will automatically renew into a 6-month CD at maturity. Withdrawals may reduce earnings and are subject to early withdrawal penalties. Interest compounded monthly. 7-Month CD Special expires on October 31, 2023. 


 Commercial Deposit Rates

Rates effective as of September 20, 2023.


Business Checking 5


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Rate
Minimum Balance
Monthly Fee
Minimum Balance Penalty
N/A
 N/A N/A N/A


Business Interest Checking 1,3,6, 7


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Rate
Minimum Balance
Monthly Fee
Minimum Balance Penalty
.08%
 $2,500
 $10 $10


Business Sweep Repurchase 1,4


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Tier
Rate
Minimum
Balance
Minimum
Balance Penalty
Monthly Fee
$0.01 - $99,999.99  0.30% N/A N/A $45
$100,000 - $999,999.99 0.50% N/A N/A $45
$1,000,000 - $4,999,999.99 1.25% N/A N/A $45
$5,000,000 + Balance 2.00% N/A N/A $45


Business Money Market 1,7,8


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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


Business Savings (Quarterly) 2,7,8


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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 monthly.

2. Interest credited quarterly.

3. A maximum of $10 account maintenance fee will be assessed monthly.

4. A maximum of $45 account maintenance fee will be assessed monthly.

5. $100 minimum to open. $0.15 fee charged for every paid check, checks

deposited (excluding on-us checks) and deposit tickets over 300.

6. $0.15 fee charged for every paid check, checks deposited (excluding on-us checks) and deposit tickets over 600.

7. A minimum balance penalty will be assessed if daily balance falls below minimum daily balance.

*fees could reduce earnings on the account.


8. A minimum of $100 is required to open the account. 



Mortgage Rates

 
Mortgage rates change frequently and may vary by location. For the most accurate rates, please call your local loan officer or schedule an appointment online.