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Rates

Back to Top Savings Accounts

Type Dividend Rate APY* Minimum To Open
Savings 0.05% 0.05% $5.00
Special Savings 0.05% 0.05% No Minimum
Christmas Club 0.05% 0.05% No Minimum
Vacation Club 0.05% 0.05% No Minimum
IRA Savings 0.05% 0.05% No Minimum

*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 01/31/2016. Some restrictions do apply.


Back to Top Preferred Accounts

Type Dividend Rate APY* Tier
Preferred Rate Share 0.10% 0.10% $10,000-$24,999
  0.10% 0.10% $25,000-$49,999
  0.20% 0.20% $50,000-$99,999
  0.35% 0.35% $100,000 or more

*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 01/31/2016. Some restrictions do apply.


Back to Top Money Market Accounts

Type Dividend Rate APY* Tier
Money Market Share 0.10% 0.100% $1,000 or more
Money Market Plus 0.10% 0.100% $2,500-$9,999
  0.15% 0.15% $10,000-$24,999
  0.20% 0.20% $25,000-$49,999
  0.30% 0.30% $50,000-$99,999
  0.45% 0.45% $100,000 or more

*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rate is subject to change without notice. Rates as of 01/31/2016. Some restrictions do apply. Minimum daily balance of $1000.00 on Money Market Share account must be maintained to earn the disclosed rate. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate.


Back to Top Share Certificates

Term Dividend Rate APY* Minimum To Open
91 Day ** 0.15% 0.15% $2,500.00
6 Month ** 0.25% 0.25% $1,000.00
12 Month 0.40% 0.40% $1,000.00
18 Month 0.50% 0.50% $1,000.00
24 Month 0.65% 0.65% $1,000.00
30 Month 0.85% 0.85% $1,000.00
36 Month 0.95% 0.95% $1,000.00
48 Month 1.20% 1.21% $1,000.00
60 Month 1.45% 1.46% $1,000.00

*APY= Annual Percentage Yield. **Dividends do not compound. Dividends on all other certificates compound and paid monthly. Rates subject to change without notice. Rates as of 02/01/2016. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.


Back to Top Special Certificates

Term Dividend Rate APY* Minimum To Open
15 Month Senior Saver ** 0.40% 0.40% $1,000
32 Month Step-Up *** 0.85% 0.85% $1,000

*APY= Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 02/01/2016. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Stipulations: **60 or older only. No early w/d penalty if due to medical reasons ***Can step-up rate once during term


Back to Top IRA Certificates

Term Dividend Rate APY* Minimum To Open
12 Month 0.40% 0.40% $1,000.00
18 Month 0.50% 0.50% $1,000.00
24 Month 0.65% 0.65% $1,000.00
30 Month 0.85% 0.85% $1,000.00
36 Month 0.95% 0.95% $1,000.00
48 Month 1.20% 1.21% $1,000.00
60 Month 1.45% 1.46% $1,000.00

*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 02/01/2016. Early withdrawal may result in penalties. All certificates automatically renew at maturity.


Back to Top Fees

Type Fee
Account Balancing/Research $20.00 per hour
Account Closed Within 90 Days of Opening $5.00
Account Reopened Within the Last 90 Days of Closing $5.00
ATM or Debit Card Replacement $10.00
Bad Address- Mail Returned $5.00 monthly
Bill Pay Call
Business Night Depository Bags Call
Business Payroll Checking Account $5.00 per month
Business Payroll Checking Account (25 free) $0.10 per transaction
Cashier's Check/Teller Check $5.00 each
Check by Phone $5.00
Check Cashing 3rd Party Check $5.00
Check Printing (60 & older receive one free box per year) Call
Collection Item $30.00
Computer Printout of Account Activity* $3.00
Copy of Check $3.00
Copy of Statement $5.00
Deposited Item Returned Unpaid $30.00
Dormant Account (No activity for 25 months) $5.00 monthly
Fax Service* $1.00 per page
Foreign/International Check $25.00
Garnishment and Tax Levy Administration Fee $50.00
Gift Cards (American Express/Visa) $3.00
Illinois License Plate Sticker Fee $7.50
Money Order $5.00
Non-sufficient Funds (NSF) Check/ACH $30.00
Overdraft Privilege Access $30.00 per item
Photocopies $0.25 each
Safe Deposit Box Key Lost $20.00
Safe Deposit Box Drilled Open $125.00
Safe Deposit Box Rental Call
Medallion Signature Guarantee Program $5.00
Stop Payment - Check or ACH $30.00
Stop Payment (range of checks) $50.00
Temporary Checks (8 per set) $5.00
Wire Transfer/Western Union - Domestic $25.00
Wire Transfer/Western Union - International $55.00
(*) No Charge for members 60 & older  

Fees effective as of 10/01/2015.


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