Savings Accounts
| Savings |
0.10% |
0.10% |
$5.00 |
| Special Savings |
0.10% |
0.10% |
No Minimum |
| Christmas Club |
0.10% |
0.10% |
No Minimum |
| Vacation Club |
0.10% |
0.10% |
No Minimum |
| IRA Savings |
0.10% |
0.10% |
No Minimum |
*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 01/31/2012. Some restrictions do apply.
Preferred Accounts
| Preferred Rate Share |
0.15% |
0.15% |
$10,000-$24,999 |
| |
0.25% |
0.25% |
$25,000-$49,999 |
| |
0.40% |
0.40% |
$50,000-$99,999 |
| |
0.60% |
0.60% |
$100,000 or more |
*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 01/31/2012. Some restrictions do apply.
Money Market Accounts
| Money Market Share |
0.15% |
0.150% |
$1,000 or more |
| Money Market Plus |
0.15% |
0.150% |
$2,500-$9,999 |
| |
0.25% |
0.25% |
$10,000-$24,999 |
| |
0.35% |
0.35% |
$25,000-$49,999 |
| |
0.45% |
0.45% |
$50,000-$99,999 |
| |
0.65% |
0.65% |
$100,000 or more |
*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rate is subject to change without notice. Rates as of 01/31/2012. 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.
Share Certificates
| 91 Day ** |
0.30% |
0.30% |
$2,500.00 |
| 6 Month ** |
0.40% |
0.40% |
$500.00 |
| 12 Month |
0.65% |
0.65% |
$500.00 |
| 18 Month |
0.80% |
0.80% |
$500.00 |
| 24 Month |
1.00% |
1.00% |
$500.00 |
| 30 Month |
1.30% |
1.31% |
$500.00 |
| 36 Month |
1.35% |
1.36% |
$500.00 |
| 48 Month |
1.60% |
1.61% |
$1,000.00 |
| 60 Month |
1.85% |
1.87% |
$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 02/02/2012. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Special Certificates
| 15 Month Senior Saver ** |
0.65% |
0.65% |
$1,000 |
| 32 Month Step-Up *** |
1.30% |
1.31% |
$1,000 |
*APY= Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 02/02/2012. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Stipulations: **50 or older only. No early w/d penalty if due to medical reasons ***Can step-up rate once during term
IRA Certificates
| 12 Month |
0.65% |
0.65% |
$500.00 |
| 18 Month |
0.80% |
0.80% |
$500.00 |
| 24 Month |
1.00% |
1.00% |
$500.00 |
| 30 Month |
1.30% |
1.31% |
$500.00 |
| 36 Month |
1.35% |
1.36% |
$500.00 |
| 48 Month |
1.60% |
1.61% |
$1,000.00 |
| 60 Month |
1.85% |
1.87% |
$1,000.00 |
*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 02/02/2012. Early withdrawal may result in penalties. All certificates automatically renew at maturity.
Fees
| Account Balancing/Research |
$20 per hour |
| Account Closed Within 90 Days of Opening |
$5.00 |
| ATM or Debit Card Replacement |
$7.00 |
| Bad Address- Mail Returned |
$2 monthly |
| Bill Pay |
Call |
| Business Night Depository Bags |
Call |
| Business Payroll Checking Account |
$5 per month |
| Business Payroll Checking Account (25 free) |
$.10 per transaction |
| Cashier's Check/Teller Check (1 free per visit)* |
$3 each |
| Check Cashing 3rd Party Check |
$5 |
| Check Printing (Seniors receive two free boxes per year)* |
Call |
| Collection Item |
$25 |
| Computer Printout of Account Activity* |
$3 |
| Deposited Item Returned Unpaid |
$30.00 |
| Dormant Account (No activity for 12 months) |
$5 monthly |
| Fax Service* |
$1 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* |
$5.50 |
| Money Order* |
$2.00 |
| Non-sufficient Funds (NSF) Check/ACH |
$30.00 |
| Overdraft Privilege Access |
$30 per item |
| Photocopy of Check or Statement* |
$3 each |
| Photocopies (5 free per visit)* |
$0.25 each |
| Safe Deposit Box Key Lost |
$20.00 |
| Safe Deposit Box Drilled Open |
$100.00 |
| Safe Deposit Box Rental |
Call |
| Signature Guarantee* |
$5 |
| Stop Payment - Check or ACH |
$25.00 |
| Stop Payment (range of checks) |
$50.00 |
| Temporary Checks (8 per set) |
$5 |
| Travelers Cheques* |
$1 per $100 |
| Travelers Cheques - 2 signatures* |
$1.50 per $100 |
| Wire Transfer/Western Union - Domestic |
$25 |
| Wire Transfer/Western Union - International |
$55 |
| (*) No Charge for members 50 & older |
|
