Please refer to the Disclosures page for additional disclosures on consumer accounts.


Certificate of Deposit Specials
Deposit Type Minimun Deposit Interest Rate APY*
13 months $1,000.00 1.22% 1.23%
  • 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 A penalty is assessed on funds withdrawn prior to maturity.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.


Certificates of Deposit and IRA's
Deposit Type Minimum Deposit Interest Rate APY*
91-181 days (3 months) $1,000.00 0.25% 0.25%
182-364 days (6 months) $1,000.00 0.50% 0.50%
12 months $1,000.00 0.85% 0.85%
18 months $1,000.00 1.00% 1.00%
24 months $1,000.00 1.14% 1.15%
30 months $1,000.00 1.24% 1.25%
36 months $1,000.00 1.54% 1.55%
48 months $1,000.00 1.83% 1.85%
60 months $1,000.00 2.42% 2.45%
  • 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 A penalty is assessed on funds withdrawn prior to maturity.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.


Checking Account Rates
Deposit Type Minimum Deposit Interest Rate APY*
Free Checking $100.00 0.05% 0.05%
Consumer NOW Checking $300.00 0.05% 0.05%
Vintage Checking w/direct deposit $1 0.35% 0.35%
Vintage Checking $1 0.05% 0.05%
Health Savings Acct (HSA) $50-$499.99 0.20% 0.20%
$500.00 and over 0.50% 0.50%

  • 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.


Savings and Money Market Accounts
Deposit Type Minimum Deposit Interest Rate APY*
Platinum Money Market $10,000.00 0.50% 0.50%
Money Market $25,000.00 and over 0.50% 0.50%
$10,000.00 - $24,999.99 0.40% 0.40%
$2,500.00 - $9,999.99 0.30% 0.30%
$500.01- $2,499.99 0.20% 0.20%
Platinum Savings $1,000.00 0.35% 0.35%
Consumer Savings $200.00 0.20% 0.20%
Minor Savings Account $1.00 0.20% 0.20%
Christmas Club $1.00 0.20% 0.20%

  • 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.


Business Checking
Deposit Type Minimum Deposit Interest Rate APY*
Business Money Market $100,000 and over 0.55% 0.55%
$50,000.00 - $99,999.99 0.45% 0.45%
$25,000.00 - $49,999.99 0.35% 0.35%
$10,000.00 - $24,999.99 0.25% 0.25%
$0.00 - $9,999.99 0.15% 0.15%
Business NOW Account $500.00 0.05% 0.05%
Earnings Credit Rate:
Business Deposit Acct. 1.00
Business NOW Acct. 0.50

  • 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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