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 09/18/2024
| TERM | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|
| 91 Days | 1.50% | 1.50% |
| 182 Days | 1.70% | 1.70% |
| 7 Month Special | 4.21% | 4.25% |
| 9 Months | 4.21% | 4.25% |
| 2 Year Bump Rate Special | 2.48% | 2.50% |
| 1 year | 2.48% | 2.50% |
| 15 Months | 2.48% | 2.50% |
| 18 Months | 2.73% | 2.75% |
| 2 Years | 2.48% | 2.50% |
| 30 Months | 2.97% | 3.00% |
| 3 Years | 2.97% | 3.00% |
| 4 Years | 2.97% | 3.00% |
| 5 Years | 2.97% | 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
| TYPE | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|
| Savings Account | 0.35% | 0.35% |
| Savings IB | 0.35% | 0.35% |
| Christmas Club | 0.35% | 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 RATE | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|
| $2,500 or More | 0.20% | 0.20% |
| Less than $2,500 | 0.15% | 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 CHECKING | INTEREST RATE | ANNUAL 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 RATE | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|
| $100,000 or more | 1.49% | 1.50% |
| $50,000 to $99,999 | 0.99% | 1.00% |
| $25,000 to $49,999 | 0.85% | 0.85% |
| $2,500 to $24,999 | 0.75% | 0.75% |
| Less than $2,500 | 0.50% | 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
| TERM | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|
| 18 Months | 2.73% | 2.75% |
Minimum balance required to open the account is $200. No maintenance or annual fees.
