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

TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
91 Days0.25%0.25%
182 Days0.35%0.35%
9 Months0.75%0.75%
1 year1.00%1.00%
15 Months1.00%1.00%
18 Months1.00%1.00%
2 Years1.25%1.25%
30 Months1.25%1.25%
3 Years1.50%1.50%
4 Years1.75%1.76%
5 Years2.00%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

TYPEINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
Savings Account0.10%0.10%
Savings IB0.10%0.10%
Christmas Club0.15%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 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 11/17/2022

ACCOUNTS WITH A BALANCE OF:INTEREST RATEANNUAL PERCENTAGE YIELD (APY)
$100,000 or more0.35%0.35%
$50,000 to $99,9990.30%0.30%
$25,000 to $49,9990.30%0.30%
$2,500 to $24,9990.25%0.25%
Less than $2,5000.15%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

TERMINTEREST RATEANNUAL PERCENTAGE YIELD (APY)
18 Months1.00%1.00%

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.