Rates listed are accurate as of January 14, 2022 and your deposits are federally insured up to $250,000.
Certificate and IRA Account Rates
$500 minimum balance.
Dividends paid monthly.
|
Term |
Dividend Rate |
Annual Percentage Yield |
|
1 month |
0.75% |
0.75% |
|
3 months |
1.75% |
1.76% |
|
6 months |
2.00% |
2.02% |
|
12 months |
2.50% |
2.53% |
|
18 months |
3.00% |
3.04% |
|
24 months |
3.25% |
3.30% |
|
30 months |
3.25% |
3.30% |
|
36 months |
3.25% |
3.30% |
|
48 months |
3.25% |
3.30% |
|
60 months |
2.50% |
2.53% |
Effective January 14, 2022. *APY = Annual percentage yield. Dividends paid monthly. A penalty will be assessed for early termination.
Jumbo Certificate and IRA Account Rates
$100,000 minimum balance.
Dividends paid monthly.
|
Term |
Dividend Rate |
Annual Percentage Yield |
|
1 month |
0.77% |
0.77% |
|
3 months |
1.77% |
1.78% |
|
6 months |
2.02% |
2.04% |
|
12 months |
3.02% |
3.06% |
|
18 months |
3.02% |
3.06% |
|
24 months |
3.27% |
3.32% |
|
30 months |
3.27% |
3.32% |
|
36 months |
3.27% |
3.32% |
|
48 months |
3.27% |
3.32% |
|
60 months |
3.27% |
3.32% |
Effective January 14, 2022. *APY = Annual percentage yield. Dividends paid monthly. A penalty will be assessed for early termination.
Money Market Account Rates
|
$2,500-$24,999.99 |
1.35% |
1.36% |
|
$25,000-$74,999 |
1.55% |
1.56% |
|
$75,000 - $99,999 |
1.65% |
1.66% |
| $100,000 and over | 2.00% |
2.02% |
Effective January 1, 2022. *APY = Annual percentage yield. Dividends paid monthly. Fees could reduce earnings on this account. The rate may change after the account is opened.
Cash Rewards High-Interest Checking Rates
|
Balance Required |
Dividend Rate |
Annual Percentage Yield |
|
Up to $25,000 (when qualifications stated below are met) |
2.50% |
2.53% |
|
Account balance over $25,000 (when qualifications stated below are met) |
0.15% |
0.15% |
|
Entire Account Balance (when qualifications stated below are met) |
0.03% |
0.03% |
Effective November 1, 2022. *APY = Annual percentage yield. Dividends paid monthly. Fees could reduce earnings on this account. The rate may change after the account is opened. To earn the advertised dividend rate on this account, the account owner must enroll in online banking and e-statements, receive a minimum $300 direct deposit, make at least 3 payments totaling at least $300 (to a third party) with Mid-Illini's free online bill pay program and post a minimum of $300 in debit card transactions each month.
Platinum Stripes Checking Account Rates
|
Balance Required |
Dividend Rate |
Annual Percentage Yield |
|
$1,000-$4,999.99 |
1.25% |
1.26% |
|
$5,000 and over |
1.75% |
1.76% |
Effective January 1, 2022. *APY = Annual percentage yield. Dividends paid monthly. Fees could reduce earnings on this account. The rate may change after the account is opened.
Savings, Club, IRA and Loan Payment Savings
Effective for the quarter of 10/1/2022 to 12/31/2022.
|
Balance Required |
Dividend Rate |
Annual Percentage Yield |
|
$100-$999.99 |
0.25% |
0.25% |
|
$1,000-$9,999.99 |
0.25% |
0.25% |
|
$10,000-$24,999.99 |
0.25% |
0.25% |
|
$25,000 and over |
0.25% |
0.25% |
*APY = Annual percentage yield. Dividends paid monthly. Fees could reduce earnings on this account. The rate may change after the account is opened.
