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Rates Worth Watching

CelebRATE our 75th Anniversary with this great rate on a 12 month CD

For a limited time only we are offering a special CD rate of 1.75% APY1 on a 12 month Share Certificate of Deposit. Minimum deposit of $10,000. This certificate will not automatically renew. See footnote 1 below or call (217) 893-8201 for more information. Offer may be withdrawn at anytime so call today.

A look at just some of our current rates.

Share Certificates & IRA Certificates
Effective Date: Monday, December 16th, 2019
TermMinimumAPY1MinimumAPY1
180 day $2,500 0.500%    
6 months $500 0.400%    
12 months $500 0.500% $5,000 1.000%
24 months $500 1.000% $5,000 1.400%
36 months $500 1.300% $5,000 1.750%
60 months $500 2.000%    

Car Loans
Effective Date: Monday, December 16th, 2019
Model YearMaximum TermAPR3Sample Payment2
2014 & Newer 60 months 3.19% $18.06
2009 - 2013 48 months 5.24% $23.14
2003 - 2008 36 months 8.49% $31.57

Motorcycle & Lifestyle Loans (ATV, boat, trailers, campers and more fun stuff!)
Effective Date: Monday, December 16th, 2019
Model YearMaximum TermAPR3Sample Payment2
2014 and Newer 60 months 3.25% $18.09
2009-2013 48 months 5.75% $23.28
2008 & Older 36 months 8.75% $31.70

Personal Loans
Effective Date: Monday, December 16th, 2019
TermAPR (as low as)Sample Payment
24 Months 11.75% $46.98

Money Market Account

Money Market Accounts
Effective Date: Monday, December 16th, 2019
TypeAPY
Below $10,000 0.18%
$10,000-$24,999 0.35%
$25,000+ 0.601%

Credit Cards

Our Visa credit cards offer low rates and fees.  To find out more contact the credit union.

Share Account Rates

The current rate for our standard share accounts as declared for July 1, 2019 is .10% APY.  These dividends are declared quarterly.     

Footnotes

1APY means Annual Percentage Yield.  There may be a considerable penalty for early withdrawal of certificates. Rates accurate as of July 1, 2019.
2Sample payments are based on $1000 financed for the term and Annual Percentage Rate (APR) indicated in the table. Rates accurate as of July 1, 2019.

3These interest rates include a ¼% discount for direct payment. Persons who have had credit problems may be charged a higher interest rate. See staff for details. Rates accurate as of July 1, 2019.