Rates listed are accurate as of August 21, 2019 and your deposits are federally insured up to $250,000.

Certificate and IRA Account Rates

$500 minimum balance.

Term

Dividend Rate

Annual Percentage Yield

1 month

.40%

.40%

3 months

1.0%

1.0%

6 months

1.59%

1.60%

12 months

1.98%

2.00%

18 months

2.16%

2.18%

24 months

2.42%

2.45%

30 months

2.47%

2.50%

36 months

2.52%

2.55%

48 months

2.37%

2.40%

60 months

2.47%

2.50%

*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.

Term

Dividend Rate

Annual Percentage Yield

1 month

.42%

.42%

3 months

1.02%

1.02%

6 months

1.61%

1.62%

12 months

2.00%

2.02%

18 months

2.18%

2.20%

24 months

2.44%

2.47%

30 months

2.49%

2.52%

36 months

2.54%

2.57%

48 months

2.39%

2.42%

60 months

2.49%

2.52%

*APY = Annual percentage yield. Dividends paid monthly. A penalty will be assessed for early termination.

Money Market Account Rates

Balance Required

Dividend Rate

Annual Percentage Yield

$2,500-$24,999.99

.80%

.80%

$25,000-$74,999

1.05%

1.05%

$75,000 and over

1.31%

1.32%

*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 above are met)

2.47%

2.50%

Account balance over $25,000

(when qualifications stated above are met)

.15%

.15%

Entire Account Balance

(when qualifications stated above are met)

.03%

.03%

*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

.20%

.20%

$5,000 and over

.25%

.25%

*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

Balance Required

Dividend Rate

Annual Percentage Yield

$100-$999.99

.10%

.10%

$1,000-$9,999.99

.10%

.10%

$10,000-$24,999.99

.10%

.10%

$25,000 and over

.10%

.10%

*APY = Annual percentage yield. Dividends paid monthly.  Fees could reduce earnings on this account. The rate may change after the account is opened.