Federal Deposit Insurance Corporation FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Rates

Rates and Annual Percentage Yields are accurate as of October 11, 2024. All rates are subject to change.

Certificates of Deposit*

Term

Minimum to Open

Interest Rate

APY

3 Month Term

$2,500

1.00%

1.00%

6 Month Term

$2,500

4.00%

4.07%

12 Month Term

$1,000

3.75%

3.82%

18 Month Term

$1,000

2.15%

2.17%

24 Month Term

$1,000

2.00%

2.02%

30 Month Term

$1,000

1.85%

1.87%

36 Month Term

$1,000

1.70%

1.71%

48 Month Term

$1,000

2.00%

2.02%

60 Month Term

$1,000

2.25%

2.27%

11 Month Term "Sprout" CD for Children

$25

3.75%

3.80%

35 Month Term "Sprout" CD for Children

$25

1.70%

1.71%

59 Month Term "Sprout" CD for Children

$25

2.25%

2.27%

APY = Annual Percentage Yield

The APY assumes interest will remain on deposit until maturity

CD will automatically renew at the current bank rate at the time of maturity

*Substantial Penalty for Early Withdrawal

For additional disclosure information, contact FNB at 217-229-3701.

Individual Retirement Accounts

Term

Minimum to OpenInterest RateAPY
Fixed Rate Individual Retirement Account (IRA)*

18 Month Term

$100

2.15%

2.17%

24 Month Term

$100

2.00%

2.02%

36 Month Term

$100

1.70%

1.71%

APY = Annual Percentage Yield

The APY assumes interest will remain on deposit until maturity

CD will automatically renew at the current bank rate at the time of maturity

*Substantial Penalty for Early Withdrawal

For additional disclosure information, contact FNB at 217-229-3701.

 

Minimum to Open

Interest Rate

APY

Roth Individual Retirement Account (IRA)*

18 Month Term

$100

2.15%

2.17%

APY = Annual Percentage Yield

The APY assumes interest will remain on deposit until maturity

CD will automatically renew at the current bank rate at the time of maturity

*Substantial Penalty for Early Withdrawal May Apply

For additional disclosure information, contact FNB at 217-229-3701.

 

Checking Accounts

Tier

Minimum to Open

Interest Rate

APY

NOW Checking**

Balances between .01 - $19,999.99

$1,500

0.15%

0.15%

Balances between $20,000 - $49,999.99

$1,500

0.20%

0.20%

Balances between $50,000 - $99,999.99

$1,500

0.25%

0.25%

Balances between $100,000 - $199,999.99

$1,500

0.45%

0.45%

Balances between $200,000 - $499,999.99

$1,500

0.55%

0.55%

Balances $500,000 and above

$1,500

0.70%

0.70%

**Interest Bearing Checking

APY = Annual Percentage Yield

**These checking accounts are variable rate accounts; the rates and APYs may change after the account is opened. Fees could reduce the earnings on the accounts.

**Ownership restrictions apply to some commercial entities.

For additional disclosure information, contact FNB at 217-229-3701.

Money Market

Tier

Minimum to Open

Interest Rate

APY

Money Market Deposit (MMDA)**

Balances between .01 - $19,999.99

$2,500

0.15%

0.15%

Balances between $20,000 - $49,999.99

$2,500

0.20%

0.20%

Balances between $50,000 - $99,999.99

$2,500

0.25%

0.25%

Balances between $100,000 - $199,999.99

$2,500

0.45%

0.45%

Balances between $200,000 - $499,999.99

$2,500

0.55%

0.55%

Balances $500,000 and above

$2,500

0.70%

0.70%

**Interest Bearing Account

APY = Annual Percentage Yield

**These accounts are variable rate accounts; the rates and APYs may change after the account is opened. Fees could reduce the earnings on the accounts.

For additional disclosure information, contact FNB at 217-229-3701.

Savings Accounts

Account Type

Minimum to Open

Interest Rate

APY

Savings*

Statement Savings

$50.00

0.20%

0.20%

Christmas Club

$2.00

0.20%

0.20%

APY = Annual Percentage Yield

*These savings accounts are variable rate accounts; the rates and APYs may change after the account is opened. Fees could reduce the earnings on these accounts.

For additional disclosure information, contact FNB at 217-229-3701.

 

Raymond, Illinois
F
-16° C
Clear
S at 11 mph
0 mm
60%
16 km
1031 mmHg
0%
Wednesday
26°
-3°
-16°
Overcast
S at 18 mph
Thursday
21°
-6°
13°
-11°
Overcast
WNW at 16 mph
Friday
26°
-4°
-14°
Sunny
WSW at 11 mph
Saturday
40°
20°
-7°
Sunny
SW at 13 mph
Sunday
35°
27°
-3°
Partly Cloudy
ESE at 6 mph
Change Location