February 16, 2024

Rates are subject to change without notice.

Special Certificates of Deposit**

Term APY Interest Rate Compound Method Minimum To Open
7 Months 5.25% 5.146% Quarterly $10,000
7 Months*** 5.00% 4.909% Quarterly $10,000
9 Months 5.00% 4.909% Quarterly $10,000
9 Months*** 4.75% 4.663% Quarterly $10,000
12 Months 4.50% 4.430% Quarterly $10,000
12 Months*** 4.25% 4.184% Quarterly $10,000
15 Months 4.25% 4.184% Quarterly $10,000
15 Months*** 4.00% 3.946 Quarterly $10,000
18 Months 4.00% 3.946% Quarterly $10,000
18 Months*** 3.75% 3.694% Quarterly $10,000

Certificates of Deposit

Term APY Interest Rate Compound Method Minimum To Open
7-29 Days .10% .100% Upon Maturity $1,000
30-89 Days .10% .100% Upon Maturity $1,000
90-181 Days .40% .394% Quarterly $1,000
5 Months .40% .40% Upon Maturity $1,000
182 Days .50% .494% Quarterly $1,000
7 Months 1.00% .991% Quarterly $1,000
9 Months 1.25% 1.239% Quarterly $1,000
11 Months 1.50% 1.487% Quarterly $1,000
12 Months 1.50% 1.487% Quarterly $1,000
13 Months 1.50% 1.487% Quarterly $1,000
14 Months 1.50% 1.487% Quarterly $1,000
15 Months 1.50% 1.487% Quarterly $1,000
18 Months 1.50% 1.487% Quarterly $1,000
19 Months 1.50% 1.487% Quarterly $1,000
20 Months 1.50% 1.487% Quarterly $1,000
21 Months 1.50% 1.487% Quarterly $1,000
24 Months 1.50% 1.487% Quarterly $1,000
30 Months 1.50% 1.487% Quarterly $1,000
36 Months 2.75% 2.718% Quarterly $1,000
48 Months 2.75% 2.718% Quarterly $1,000
60 Months 3.00% 2.971% Quarterly $1,000

Special Variable Rate Individual Retirement Account*

Term APY Interest Rate Compound Method Minimum To Open
18 Months 5.71% 5.635% Calculated Daily, Compounded Semi-annually $1,000

Savings and Checking Accounts

Account Type APY Interest Rate Compound Method
Variable Savings .25% .245% Calculated Daily, Compounded Semi-annually
Christmas Club Savings .25% .245%
NOW Checking .02% .015% Monthly

Money Market Accounts

Balance APY Interest Rate Compound Method
$0 - $2,499.99 .00% .000% Monthly
$2,500 - $9,999.99 .10% .095% Monthly
$10,000 - $24,999.99 .25% .245% Monthly
$25,000 - $49,999.99 .35% .345% Monthly
$50,000 - $499,999.99 .65 .645% Monthly
$500,000 - $999,999.99 .75% .743% Monthly
$1,000,000 & over 1.50% 1.485% Monthly

*This rate is variable during the term.

Penalties may apply for early withdrawals on IRAs and CDs.

These rates are subject to change without notice at any time.

Contact our Customer Service Department for more information at 314-645-7700 or email us.

**PERSONAL FUNDS ONLY….$5,000 minimum balance for monthly interest.

***NON-PERSONAL FUNDS ONLY - $5,000 minimum balance for monthly interest