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 03/01/2024

TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
91 Days1.50%1.50%
182 Days1.70%1.70%
7 Month Special5.16%5.20%
9 Months
1.60%1.60%
2 Year Bump Rate Special2.48%2.50%
1 year4.20%4.25%
15 Months 2.48%2.50%
18 Months3.71%3.75%
2 Years2.48%2.50%
30 Months2.97%3.00%
3 Years2.97%3.00%
4 Years2.97%3.00%
5 Years2.97%3.00%

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 03/01/2024

TYPEINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
Savings Account0.35%0.35%
Savings IB0.35%0.35%
Christmas Club0.35%0.35%

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 03/01/2024

PREMIER INTEREST CHECKING ACCOUNTS WITH A BALANCE OF:INTEREST RATEANNUAL PERCENTAGE YIELD (APY)
$2,500 or More0.20%0.20%
Less than $2,5000.15%0.15%

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 CHECKINGINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
0.15%0.15%

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 03/01/2024

ACCOUNTS WITH A BALANCE OF:INTEREST RATEANNUAL PERCENTAGE YIELD (APY)
$100,000 or more1.49%1.50%
$50,000 to $99,9990.99%1.00%
$25,000 to $49,9990.85%0.85%
$2,500 to $24,9990.75%0.75%
Less than $2,5000.50%0.50%

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 03/01/2024

TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
18 Months3.71%3.75%

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

[ Disclosure(s) Available Upon Request ]

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Lost or Stolen ATM/Debit Card?

If your ATM or Debit card is ever lost or stolen, please contact us immediately at 618-876-5544. After regular business hours, please call 1-833-933-1681 to receive immediate assistance.