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 12/27/2018 Check out our Special Rates for 30 Months and 4 Years.

TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
91 Days0.20%0.20%
182 Days0.30%0.30%
9 Months0.35%0.35%
1 year0.60%0.60%
15 Months0.65%0.65%
18 Months0.75%0.75%
2 Years0.90%0.90%
30 Months2.00%2.01%
3 Years2.00%2.01%
4 Years2.50%2.52%
5 Years2.50%2.52%

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 01/02/2019

TYPEINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
Passbook0.10%0.10%
Statement0.10%0.10%
Christmas Club0.05%0.05%

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 12/27/2018

PREMIER INTEREST CHECKING ACCOUNTS WITH A BALANCE OF:INTEREST RATEANNUAL PERCENTAGE YIELD (APY)
$2,500 or More0.10%0.10%
Less than $2,5000.05%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 CHECKINGINTEREST RATEANNUAL 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 01/02/2019

ACCOUNTS WITH A BALANCE OF:INTEREST RATEANNUAL PERCENTAGE YIELD (APY)
$100,000 or more0.50%0.50%
$50,000 to $99,9990.35%0.35%
$25,000 to $49,9990.25%0.25%
$2,500 to $24,9990.20%0.20%
Less than $2,5000.10%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

Effective as of 12/27/2018

TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
18 Months0.75%0.75%

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 1-800-528-2273 to receive immediate assistance.