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
Effective as of 05/11/2023
TERM | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
---|---|---|
91 Days | 0.35% | 0.35% |
182 Days | 0.50% | 0.50% |
9 Months - Special New Money | 4.55% | 4.60% |
2 Year Bump Rate Special | 3.50% | 3.53% |
1 year | 1.50% | 1.51% |
15 Months | 1.50% | 1.51% |
18 Months | 1.50% | 1.51% |
2 Years | 1.75% | 1.76% |
30 Months | 1.75% | 1.76% |
3 Years | 2.00% | 2.01% |
4 Years | 2.15% | 2.16% |
5 Years | 2.25% | 2.26% |
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
Effective as of 02/02/2023
TYPE | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
---|---|---|
Savings Account | 0.10% | 0.10% |
Savings IB | 0.10% | 0.10% |
Christmas 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.
Checking Rates
Effective as of 11/17/2022
PREMIER INTEREST CHECKING ACCOUNTS WITH A BALANCE OF: | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
---|---|---|
$2,500 or More | 0.10% | 0.10% |
Less than $2,500 | 0.05% | 0.05% |
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) |
---|---|---|
0.05% | 0.05% |
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
Effective as of 3/9/2023
ACCOUNTS WITH A BALANCE OF: | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
---|---|---|
$100,000 or more | 1.00% | 1.01% |
$50,000 to $99,999 | 0.75% | 0.75% |
$25,000 to $49,999 | 0.55% | 0.55% |
$2,500 to $24,999 | 0.25% | 0.25% |
Less than $2,500 | 0.15% | 0.15% |
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
Effective as of 3/9/2023
TERM | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
---|---|---|
18 Months | 1.50% | 1.51% |
Minimum balance required to open the account is $200. No maintenance or annual fees.