Rates

Rates subject to change at any time. Fees may reduce earnings.

APY = Annual Percentage Yield.

Ignite*

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $50 1.50% 1.51%
$10,000+ $50 0.15% 1.51% to 0.27%
All balances if qualifications not met $50 0.01% 0.01%
   

Traditional Checking

Minimum Balance
to Obtain APY		 Minimum Deposit
to Open		 Rate APY
$0 - $999.99 $100 0.00% 0.00%
$1,000 - $9,999.99 $100 0.01% 0.01%
$10,000 - $99,999.99 $100 0.01% 0.01%
$100,000 $100 0.01% 0.01%

Savings

Minimum Balance
to Obtain APY		 Minimum Deposit
to Open		 Minimum Balance
to Avoid Fees		 Rate APY
No minimum $100 $100 0.02% 0.02%

Money Market

Minimum Balance
to Obtain APY		 Minimum Deposit
to Open		 Minimum Balance
to Avoid Fees		 Rate APY
$0 - $2,499.99 $2,500 $2,500 0.00% 0.00%
$2,500 - $4,999.99 $2,500 $2,500 0.03% 0.03%
$5,000 - $24,999.99 $2,500 $2,500 0.04% 0.04%
$25,000 + $2,500 $2,500 0.06% 0.06%

APYs are accurate as of 07/01/2025 and are subject to change after account opening. Fees may reduce earnings.

CDtwo

Please call a banker at 1-217-935-2148 for current rate. Minimum deposit to open is $2,500. Early withdrawal penalty may apply. Rates are subject to change without notice.

Minimum deposit to open is $10,000. Early withdrawal penalty may apply. Rates are subject to change without notice.

*Ignite

APY = Annual Percentage Yield. APYs are accurate as of 07/01/2025. $50.00 minimum deposit is required to open the account. To earn the rewards, meet the following requirements each monthly qualification cycle: At least one ACH transaction (includes direct deposit, ACH credit, ACH payment or bill payment); At least 15 debit card purchases post and settle; and be enrolled in online banking and have agreed to receive e-statements. Transactions may take one or more business days from the date of the transaction to post and settle to the account. Monthly Qualification Cycle means the current monthly statement cycle. Debit card purchases must be made with a debit card issued by our bank. ATM and ACH transactions and transfers between accounts do not count towards earning rewards. When qualifications are met during a monthly qualification cycle, you will receive:  Daily balances up to and including $10,000 earn an interest rate of 1.50% resulting in an APY of 1.51%; and daily balances over $10,000 earn an interest rate of 0.15% on the portion of the daily balance over $10,000, resulting in a range from 1.51% to 0.27% APY depending on the account's daily balance; and Reimbursements up to an aggregate total of $25.00 (up to $9.99 per single transaction) for nationwide ATM withdrawal fees incurred during that monthly qualification cycle. Interest and nationwide ATM withdrawal fee reimbursements will be credited to your Ignite account on the last day of the monthly statement cycle. When qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.01% resulting in an APY of 0.01% and ATM withdrawal fees are not reimbursed.  If the account is closed before rewards are credited, you will forfeit the rewards. APY calculations are based on an assumed account balance of $110,000 for the purpose of computing the APY range for the second tier. No minimum balance is required to earn or receive the account's rewards. Available on consumer accounts only. Limit of one account(s) per primary account holder social security number. Rates and rewards are variable and may change after account is opened. Rates may change without notice to you. Fees may reduce earnings.