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 11/17/2022
| TERM | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|
| 91 Days | 0.25% | 0.25% |
| 182 Days | 0.35% | 0.35% |
| 9 Months | 0.75% | 0.75% |
| 1 year | 1.00% | 1.00% |
| 15 Months | 1.00% | 1.00% |
| 18 Months | 1.00% | 1.00% |
| 2 Years | 1.25% | 1.25% |
| 30 Months | 1.25% | 1.25% |
| 3 Years | 1.50% | 1.50% |
| 4 Years | 1.75% | 1.76% |
| 5 Years | 2.00% | 2.01% |
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 11/17/2022
| ACCOUNTS WITH A BALANCE OF: | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|
| $100,000 or more | 0.35% | 0.35% |
| $50,000 to $99,999 | 0.30% | 0.30% |
| $25,000 to $49,999 | 0.30% | 0.30% |
| $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 11/17/2022
| TERM | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|
| 18 Months | 1.00% | 1.00% |
Minimum balance required to open the account is $200. No maintenance or annual fees.
