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Please refer to the Disclosures page for additional disclosures on consumer accounts.
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Certificate of Deposit Specials
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Deposit Type
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Minimun Deposit
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Interest Rate
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APY*
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13 months
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$1,000.00
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1.22%
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1.23%
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- Rates are effective as of July 24, 2010.
- *APY is the Annual Percentage Yield paid. These rates are subject to change without notice. A penalty is assessed on funds withdrawn prior to maturity. Please request further information from a bank employee concerning fees and terms applicable to the advertised account, either in person or by telephone at
815-744-4620. A prepayment penalty applies only to our CD & IRA deposit products.
- Certificate based on monthly compounding.
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Certificates of Deposit and IRA's
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Deposit Type
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Minimum Deposit
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Interest Rate
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APY*
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91-181 days (3 months)
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$1,000.00
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0.25%
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0.25%
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182-364 days (6 months)
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$1,000.00
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0.50%
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0.50%
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12 months
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$1,000.00
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0.85%
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0.85%
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18 months
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$1,000.00
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1.00%
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1.00%
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24 months
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$1,000.00
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1.14%
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1.15%
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30 months
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$1,000.00
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1.24%
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1.25%
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36 months
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$1,000.00
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1.54%
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1.55%
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48 months
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$1,000.00
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1.83%
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1.85%
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60 months
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$1,000.00
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2.42%
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2.45%
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- Rates are effective as of July 24, 2010.
- *APY is the Annual Percentage Yield paid. These rates are subject to change without notice. A penalty is assessed on funds withdrawn prior to maturity. Please request further information from a bank employee concerning fees and terms applicable to the advertised account, either in person or by telephone at
815-744-4620. A prepayment penalty applies only to our CD & IRA deposit products.
- Certificate based on monthly compounding.
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Checking Account Rates
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Deposit Type
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Minimum Deposit
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Interest Rate
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APY*
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Free Checking
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$100.00
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0.05%
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0.05%
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Consumer NOW Checking
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$300.00
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0.05%
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0.05%
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Vintage Checking w/direct deposit
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$1
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0.35%
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0.35%
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Vintage Checking
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$1
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0.05%
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0.05%
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Health Savings Acct (HSA)
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$50-$499.99
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0.20%
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0.20%
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$500.00 and over
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0.50%
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0.50%
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- Fees could reduce earnings on the account.
- Rates are effective as of July 24, 2010.
- *APY is the Annual Percentage Yield paid. These rates are subject to change without notice. Please request further information from a bank employee concerning fees and terms applicable to the advertised account, either in person or by telephone at 815-744-4620. A prepayment penalty applies only to our CD & IRA deposit products.
- For the above variable rate checking accounts, the interest rates shown may change after the account is opened.
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Savings and Money Market Accounts
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Deposit Type
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Minimum Deposit
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Interest Rate
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APY*
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Platinum Money Market
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$10,000.00
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0.50%
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0.50%
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Money Market
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$25,000.00 and over
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0.50%
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0.50%
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$10,000.00 - $24,999.99
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0.40%
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0.40%
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$2,500.00 - $9,999.99
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0.30%
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0.30%
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$500.01- $2,499.99
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0.20%
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0.20%
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Platinum Savings
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$1,000.00
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0.35%
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0.35%
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Consumer Savings
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$200.00
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0.20%
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0.20%
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Minor Savings Account
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$1.00
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0.20%
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0.20%
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Christmas Club
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$1.00
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0.20%
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0.20%
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- Fees could reduce earnings on the account.
- Rates are effective as of July 24, 2010.
- *APY is the Annual Percentage Yield paid. These rates are subject to change without notice. Please request further information from a bank employee concerning fees and terms applicable to the advertised account, either in person or by telephone at 815-744-4620.
- For the above savings & money market accounts, the interest rates shown may change after the account is opened.
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Business Checking
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Deposit Type
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Minimum Deposit
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Interest Rate
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APY*
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Business Money Market
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$100,000 and over
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0.55%
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0.55%
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$50,000.00 - $99,999.99
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0.45%
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0.45%
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$25,000.00 - $49,999.99
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0.35%
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0.35%
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$10,000.00 - $24,999.99
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0.25%
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0.25%
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$0.00 - $9,999.99
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0.15%
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0.15%
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Business NOW Account
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$500.00
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0.05%
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0.05%
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Earnings Credit Rate:
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Business Deposit Acct.
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1.00
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Business NOW Acct.
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0.50
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- Fees could reduce earnings on the account.
- Rates are effective as of July 24, 2010.
- *APY is the Annual Percentage Yield paid. These rates are subject to change without notice. Please request further information from a bank employee concerning fees and terms applicable to the advertised account, either in person or by telephone at 815-744-4620.
- For the above Business Checking accounts the interest rates shown and the Earnings Credit Rate may change after the account is opened.
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