*Annual Percentage Yields and Interest Rates are current as of November 13, 2024.
Checking Accounts
Lifetime Free NOW Checking
- Complimentary welcome pack of checksÂ
- No annual fee debit card
- A BankChampaign exclusive and our most popular checking choice
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees | APY** | Interest Rate |
|---|---|---|---|---|---|
|
$300 |
No daily balance required to earn interest |
None |
None |
0.05% |
0.05% |
Seniority Plus
- Designed for individuals 55 and older
- Discount on safe deposit box
- No annual fee debit card
- No cost for basic personal checks or cashier’s checks
- Monthly coupon from local restaurant
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees | APY** | Interest Rate |
|---|---|---|---|---|---|
|
$300 |
Daily balance of $200 or more to earn interest |
None |
None |
0.05% |
0.05% |
Prime Checking
- No annual fee debit card
- A great combination of high interest and liquidity
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees | APY** | Interest Rate |
|---|---|---|---|---|---|
|
$500 |
Daily balance of $200 or more to earn interest |
$10/month service charge if daily balance falls below $1,000 |
None |
0.10% |
0.10% |
Community NOW Checking
- Designed for non-profit organizations
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees | APY* | Interest Rate |
|---|---|---|---|---|---|
|
$300 |
No daily balance requirement to earn interest |
None |
None |
0.05% |
0.05% |
Savings Accounts
Regular Savings
- A classic way to save
- Quarterly statement
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees | APY** | Interest Rate |
|---|---|---|---|---|---|
|
$200 |
No daily balance required to earn interest |
$9/quarter service charge if daily balance falls below $200 |
Nine free withdrawals per quarter; additional withdrawals are $1 each
|
0.05% |
0.05% |
Senior Savings
- Designed for individuals 55 and older
- Quarterly statement
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees | APY** | Interest Rate |
|---|---|---|---|---|---|
|
None |
No daily balance required to earn interest |
None |
None |
0.05% |
0.05% |
Minor Savings
- Designed for individuals 18 and younger
- Quarterly statement
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees | APY** | Interest Rate |
|---|---|---|---|---|---|
|
None |
No daily balance required to earn interest |
None |
None |
0.05% |
0.05% |
Health Savings Account
- Any adult covered by a high-deductible health plan (and who has no other first-dollar coverage) may establish an HSA for future medical expenses. Contributions can be made by you, your employer or both. Amounts contributed to an HSA belong to the account holder and are completely portable. Funds in the account can grow tax-free through investment earnings, just like an IRA.
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees | APY** | Interest Rate |
|---|---|---|---|---|---|
|
$100 |
No daily balance required to earn interest |
None |
None |
0.05% |
0.05% |
Commercial Savings Account
- A safe haven for business assets
- Quarterly statement
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees | APY* | Interest Rate |
|---|---|---|---|---|---|
|
$200 |
No daily balance required to earn interest |
$9/quarter service charge if daily balance falls below $200 |
Nine free withdrawals per quarter; additional withdrawals are $1 each |
0.05% |
0.05% |
Money Markets
Personal Money Market
- The higher the balance, the higher the rate
- Maintain minimum balances in the account each day to earn interest
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees |
|---|---|---|---|
|
$1,500 |
Daily balance requirement of $200 or more to earn interest |
$10/month service charge if balance falls below $5,000 |
Checks and electronic debits are $2 each. |
| Balance | APY** | Interest Rate |
|---|---|---|
|
Below $2,499.99 |
0.05% |
0.05% |
|
From $2,500.00 to $9,999.99 |
0.05% |
0.05% |
|
From $10,000.00 to $24,999.99 |
0.10% |
0.10% |
|
Above $25,000.00 |
0.15% |
0.15% |
Commercial Money Market
- The higher the balance, the higher the rate
- Maintain minimum balances in the account each day to earn interest
| Minimum Opening Deposit | Monthly Balance Requirement | Monthly Service Charge | Transaction Fees |
|---|---|---|---|
|
$1,500 |
Daily balance requirement of $200 or more to earn interest |
$10/month service charge if balance falls below $5,000 |
Checks and electronic debits are $2 each. |
| Balance | APY* | Interest Rate |
|---|---|---|
|
Below $2,499.99 |
0.05% |
0.05% |
|
From $2,500.00 to $9,999.99 |
0.05% |
0.05% |
|
From $10,000.00 to $24,999.99 |
0.10% |
0.10% |
|
Above $25,00.00 |
0.15% |
0.15% |
Individual Retirement Accounts
Individual Retirement Accounts
- $2,500 minimum to open
- Maintain daily minimum balance of $2,500 or more to earn interest
| Type | APY** | Interest Rate |
|---|---|---|
|
18 Month Variable IRA |
0.25% |
0.25% |
|
18 Month Fixed IRA |
0.25% |
0.25% |
|
3 Month IRA |
4.06% |
3.98% |
|
6 Month IRA |
4.35% |
4.26% |
|
12 Month IRA |
3.51% |
3.45% |
|
15 Month IRA |
0.20% |
0.20% |
|
22 Month IRA |
0.25% |
0.25% |
|
24 Month IRA |
0.30% |
0.30% |
|
30 Month IRA |
0.30% |
0.30% |
|
36 Month IRA |
0.40% |
0.40% |
|
48 Month IRA |
0.50% |
0.50% |
|
60 Month IRA |
0.55% |
0.55% |
Certificates of Deposit
Certificates of Deposit
- $500 minimum to open
- Maintain daily minimum balance of $500 or more to earn interest
| Type | APY* | Interest Rate |
|---|---|---|
|
12 Month CD |
3.51% |
3.46% |
|
15 Month CD |
0.20% |
0.20% |
|
18 Month CD |
0.25% |
0.25% |
|
22 Month CD |
0.25% |
0.25% |
|
24 Month CD |
0.30% |
0.30% |
|
30 Month CD |
0.30% |
0.30% |
|
36 Month CD |
0.40% |
0.40% |
|
48 Month CD |
0.50% |
0.50% |
|
60 Month CD |
0.55% |
0.55% |
Certificates of Deposit
- $2,500 minimum to open
- Maintain daily minimum balance of $2,500 or more to earn interest
| Type | APY* | Interest Rate |
|---|---|---|
|
3 Month CD |
4.06% |
4.00% |
|
6 Month CD |
4.35% |
4.28% |
|
9 Month CD |
0.15% |
0.15% |
Jumbo Certificates of Deposit
- $100,000 minimum to open
- Maintain daily minimum balance of $100,000 or more to earn interest
| Type | APY* | Interest Rate |
|---|---|---|
|
3 Month CD |
4.06% |
4.00% |
|
6 Month CD |
4.35% |
4.28% |
|
12 Month CD |
3.51% |
3.46% |
|
24 Month CD |
0.30% |
0.30% |
Mortgage Rates
For more information or current rates, call or email:
Allison Manolakes
[email protected]
(217) 351-7630
NMLS#: 441824
Disclosures
For current rate information, call 217-351-2870.
- Any fees associated with the above accounts can decrease the earnings on the account.Â
- Variable Rate Accounts are subject to interest rate changes after the accounts are opened.Â
- All certificates are subject to early withdrawal penalties.
