Deposit Rates 1
Super Now/Club Accounts Savings Accounts Money Market Account Health Savings Account
F&M
PRODUCT
MIN. BALANCE TO OBTAIN
ANNUAL PERCENTAGE YEILD
INTEREST
RATE
ANNUAL
PERCENTAGE YIELD
**HOMETOWN ADVANTAGE$.01 - $15,000.001.00%1.00%
 15,000.01 +0.10%0.10%
 
* SUPER NOW$1,000.000.05%0.05%
 
* CLUB$1,000.000.05%0.05%
 
* PERSONAL SAVINGS$5.000.10%0.10%
 
***CHRISTMAS CLUB$5.000.20%0.20%
 
***VACATION CLUB$5.000.15%0.15%
 
*MONEY MARKETUNDER $25,000.000.07%0.07%
 
*MONEY MARKET$25,000.00-$99,999.990.08%0.08%
 
*MONEY MARKET$100,00.00 AND UP0.10%0.10%
 
*HEALTH SAVINGS ACCOUNT$25.00 0.05%0.05%
 
** 1.00% Annual Percentage Yield (APY) paid on balances between one penny and $15,000, and 0.10% APY paid on all amounts above $15,000 each cycle the minimum requirements are met. If you do not meet the requirements during a given cycle, you will earn the Standard Rate of 0.01% APY. We may change the interest rate and APY at any time after the account is opened. Available to personal accounts only. If you do not meet the requirements per cycle, your account will still earn the Standard Rate.
The Hometown Advantage account is available to residents of Southwestern Illinois and it's surrounding counties. Limit 2 per Social Security number.
* Rates may change after the account is open. Fees could reduce earnings on the account
 *** Penalty Fee For Early Withdrawal. Fees could reduce earnings.
CERTIFICATE OF DEPOSIT
 
91 DAY CD$1,000.000.10%0.10%
*4 MONTH CD SPECIAL*$1,000.000.35%0.35%
182 DAY CD$1,000.00 0.15%0.15%
 
9 MONTH CD $1,000.000.18%0.18%
 
12 MONTH CD $1,000.000.20%0.20%
 
15 MONTH CD $1,000.000.23%0.23%
 
18 MONTH CD $1,000.000.25%0.25%
*19 MONTH CD SPECIAL*$1,000.000.85%0.85%
21 MONTH CD $1,000.000.28%0.28%
 
24 MONTH CD $1,000.000.35%0.35%
 
30 MONTH CD $1,000.000.40%0.40%
 
36 MONTH CD $1,000.000.70%0.70%
37 MONTH CD $1,000.001.10%1.09%
48 MONTH CD $1,000.001.00%1.00%
 
60 MONTH CD $1,000.001.25%1.26%
**37 MONTH YOUR OPTION CD SPECIAL**$2,500.001.29%1.30%
INDIVIDUAL RETIREMENT ACCOUNT
 
12 MONTH IRA $25.000.25%0.25%
 
15 MONTH IRA $25.000.28%0.28%
 
18 MONTH IRA $25.000.30%0.30%
 
24 MONTH IRA $25.000.38%0.38%
 
30 MONTH IRA $25.000.43%0.43%
 
36 MONTH IRA $25.000.75%0.75%
 
48 MONTH IRA $25.001.05%1.05%
 
60 MONTH IRA $25.001.39%1.40%
 
*RATES EFFECTIVE AS OF 1/10/17
 
A penalty may be imposed for early withdrawal for Certificate of Deposit holders. Rates subject to change at any time without notice. Additional basis points may be paid on amounts over $250,000.00. Annual Percentage yield assumes rate remains the same for one year on maturitites less than one year and the interest is added to the principal on all accounts. Fees may reduce earnings. Ask for more information about these accounts. Member FDIC.
 



Deposit Rates 2
Certificates of Deposit IRAs
F&M
PRODUCT
MIN. BALANCE TO OBTAIN
ANNUAL PERCENTAGE YEILD
INTEREST
RATE
ANNUAL
PERCENTAGE YIELD
 
* SUPER NOW$1,000.000.05%0.05%
 
* PASSBOOK SAVINGS$5.000.10%0.10%
 
MONEY MARKET UNDER $25,000.00 0.07%0.07%
 
MONEY MARKET$25,000.00-$99,999.990.08%0.08%
 
MONEY MARKET $100,000.00 AND UP0.10%0.10%
 
 
* Rates may change after the account is open. Fees could reduce earning on the account. Restrictions may apply.
 
CERTIFICATE OF DEPOSIT
 
91 DAY CD$1,000 0.10%0.10%
*4 MONTH CD SPECIAL*$1,0000.35%0.35%
182 DAY CD $1,000 0.15% 0.15%
 
9 MONTH CD $1,000 0.18% 0.18%
 
12 MONTH CD $1,000 0.20%0.20%
 
15 MONTH CD $1,0000.23%0.23%
 
18 MONTH CD $1,0000.25%0.25%
*19 MONTH CD SPECIAL*$1,0000.85%0.85%
21 MONTH CD $1,0000.28%0.28%
 
24 MONTH CD $1,0000.35%0.35%
 
30 MONTH CD $1,0000.40%0.40%
 
36 MONTH CD $1,000 0.70% 0.70%
37 MONTH CD $1,0001.10%1.09%
48 MONTH CD $1,0001.00%1.00%
 
60 MONTH CD $1,0001.25%1.26%
 
*RATES EFFECTIVE AS OF 1/10/17
 
A penalty may be imposed for early withdrawal for Certificate of Deposit holders. Rates subject to change at any time without notice. Additional basis points may be paid on amounts over $250,000.00. Annual Percentage yield assumes rate remains the same for one year on maturities less than one year and the interest is added to the principal on all accounts. Fees may reduce earnings. Ask for more information about these accounts. Member FDIC.
 



FDIC
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