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Current Rates

All Rates are Subject to Change Without Notice

The following rates and fees are an overview and are not all-inclusive. Please refer to an account disclosure for complete information. If you have questions or would like assistance, please contact a personal banker at our Herrin, Carterville, or Marion branches.

Rates effective as of 1/22/24

Deposit Rates

Demand Deposit

All rates are subject to change without notice.

Account TypeMinimum Balance to OpenMinimum Interest RateAnnual Percentage Yield (APY)Minimum Balance to Obtain APY

Reward Checking Up to $24,999.99*

$100.00

1.10%

1.11%**

Reward Checking $25,000.00 and Up*

$100.00

0.25%

1.11% to 0.25%**

$25,000.00

Tiered NOW Checking Up to $2,499.99*

$1,000.00

0.05%

0.05%**

$1,000.00

Tiered NOW Checking $2,500.00+*

$1,000.00

0.10%

0.10%**

$2,500.00

MMDA Less than $2,500.00*

$2,500.00

0.20%

0.20%

$0.01

MMDA $2,500.00 - $24,999.99*

$2,500.00

0.25%

0.25%

$2,500.00

MMDA $25,000.00 - Up

$2,500.00

0.30%

0.30%**

$25,000.00

Statement Savings*

$50.00

0.10%

0.10%**

$50.00

Christmas Club*

$3.00

0.25%

0.25%**

$3.00

Account Plus*

Account TypeMinimum Balance to OpenMinimum Interest RateAnnual Percentage Yield (APY)Minimum Balance to Obtain APY

$500.00 - $999.99 balance

$50.00

0.05%

0.05%**

$500.00

$1,000.00 - 2,499.99 balance

$50.00

0.10%

0.10%**

$1,000.00

$2,500.00 and above balance

$50.00

0.15%

0.15%**

$2,500.00

*Rates may change after the account is opened. Fees may reduce earnings.

Certificates of Deposit

Account TypeMinimum Balance to OpenMinimum Interest RateAnnual Percentage Yield (APY)Minimum Balance to Obtain APY

91 Day CD

$1,000.00

0.50%

0.50%**

$1,000.00

182 Day CD

$1,000.00

0.95%

0.95%**

$1,000.00

12 Month CD & IRA

$1,000.00

1.30%

1.30%**

$1,000.00

Special 6 Month CD

$1,000.00

5.00%

5.06%**

$1,000.00

18 Month CD & IRA

$1,000.00

1.20%

1.21%**

$1,000.00

24 Month CD & IRA

$1,000.00

1.31%

1.32%**

$1,000.00

30 Month CD & IRA

$1,000.00

1.31%

1.32%**

$1,000.00

36 Month CD & IRA

$1,000.00

1.52%

1.53%**

$1,000.00

48 Month CD & IRA

$1,000.00

1.52%

1.53%**

$1,000.00

60 Month CD & IRA

$1,000.00

1.52%

1.53%**

$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.