Deposit Rates

Rates are not guaranteed and are subject to change. To request a new account disclosure call 618-876-5544 or email us at customerservice@bankguardian.com.

CD Rates

TERM	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
91 Days	0.50%	0.50%
182 Days	0.65%	0.65%
9 Months	0.75%	0.75%
1 year	0.90%	0.90%
15 Months	1.00%	1.00%
18 Months	1.10%	1.10%
2 Years	1.25%	1.25%
30 Months	1.49%	1.50%
4 Years	1.99%	2.00%
5 Years	2.24%	2.25%

The minimum balance required to open the account and obtain the APY is $1,000 for all CD's. A penalty may be imposed for early withdrawal.

Savings Rates

TYPE	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
Passbook	0.15%	0.15%
Statement	0.15%	0.15%
Christmas Club	0.15%	0.15%
Vacation Club	0.15%	0.15%

Balances less than $5.00 do not accrue interest. Fees could reduce the earnings on Passbook & Statement Savings Accounts. The rate may change once the account is opened.

[ Compare Savings Accounts ]

Checking Rates

PREMIER INTEREST CHECKING ACCOUNTS WITH A BALANCE OF:	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
$2,500 or More	.15%	.15%
Less than $2,500	.10%	.10%

Minimum balance required to open the account is $1,000. Rates may vary once the account is opened. Fees could reduce the earnings on the account.

50+ FREE INTEREST CHECKING	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
	.10%	.10%

Minimum balance required to open the account is $25.00. Rates may vary once the account is opened. Fees could reduce the earnings on the account.

Money Market Rates

ACCOUNTS WITH A BALANCE OF:	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
$100,000 or more	0.70%	0.70%
$50,000 to $99,999	0.60%	0.60%
$25,000 to $49,999	0.35%	0.35%
$2,500 to $24,999	0.25%	0.25%
Less than $2,500	0.10%	0.10%

Minimum balance required to open the account is $2,500. Rates may vary once the account is opened. Fees could reduce the earnings on the account.

IRA Rates

TERM	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
18 Months	1.10%	1.10%

Minimum balance required to open the account is $200. No maintenance or annual fees.

[ Disclosure(s) Available Upon Request ]