Current Rates
  

Deposit Rates

 All rates are subject to change without notice.    

Rates effective as of 05/14/08.
Account Type Minimum Balance to Open Minimum Interest Rate Annual Percentage Yield (APY) Minimum Balance to Obtain APY
Demand Deposit    

Reward Checking Up to $49,999.99*

$100.00

4.41%

4.50%
Reward Checking  $50,000.00 and up*

 $100.00

 1.01%

 4.50% to 1.04%

 $50,000.00

Tiered NOW Checking               Up to $2499.99*

$1000.00

0.50%

0.50%

$1,000.00
Tiered NOW Checking               $2500.00 +*

$1,000.00

 0.75%

 0.75%

 $2,500.00
MMDA Less than $2500*

$1,000.00 

 0.50%

0.50% 

 $1,000.00
MMDA $2500 - $24,999.99*

 $1,000.00

1.24%

1.25%

 $2,500.00
 MMDA $25,000.00-UP

$1,000.00

 1.49%

 1.50%

 $25,000.00
Passbook Savings*

 $10.00

1.25% 

1.25%

$10.00 
Statement Savings*

 $10.00

 1.00%

 1.00%

 $10.00
Christmas Club*

 $3.00

 1.25%

 1.25%

 $3.00
 Kids Club*

$10.00 

 1.25%

 1.25%

$10.00 
Account Plus*    
$500.00 - $999.99 balance

 $50.00

 0.50%

 0.50%

 $500.00
$1000.00 - $2499.99 balance

 $50.00

 1.00%

 1.00%

 $1000.00
$2500.00 & above balance

 $50.00

 1.49%

 1.50%

 $2500.00
*Rates may change after the account is opened. Fees may reduce earnings.    
Certificates of Deposit    
 91 Day CD

  $1,000.00

 1.740%

1.750%**

  $1,000.00
182 Day CD

  $1,000.00

1.990%

2.000%**

  $1,000.00
12 Month CD & IRA

  $1,000.00

 2.240%

2.250%**

  $1,000.00
18 Month CD & IRA

 $1,000.00

 2.390%

2.400%**

  $1,000.00
24 Month CD & IRA

  $1,000.00

 2.630%

2.650%**

  $1,000.00
30 Month CD & IRA

  $1,000.00

 2.680%

 2.700%**

  $1,000.00
36 Month CD & IRA

  $1,000.00

2.780%

2.800%**

  $1,000.00
48 Month CD & IRA

 $1,000.00

 2.980%

 3.000%**

  $1,000.00
60 Month CD & IRA

  $1,000.00

 3.410%

 3.440%**

  $1,000.00
**Penalty for early withdrawal. Fees may reduce earnings. Additional information is available in our Truth in Savings brochure at any Bank of Herrin facility.    

 
  
  
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