Rates
Certificate Rates are effective as of 1/10/2012.
Fixed Rate Certificate of Deposit (CD)*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal
|
|
Minimum to Open |
Interest Rate |
APY |
| 3 Month Term |
$2,500 |
0.25% |
0.25% |
| 6 Month Term |
$2,500 |
0.40% |
0.40% |
| 12 Month Term |
$1,000 |
0.70% |
0.70% |
| 18 Month Term |
$1,000 |
0.80% |
0.80% |
| 24 Month Term |
$1,000 |
1.00% |
1.00% |
| 30 Month Term |
$1,000 |
1.10% |
1.11% |
| 36 Month Term |
$1,000 |
1.25% |
1.26% |
| 48 Month Term |
$1,000 |
1.50% |
1.51% |
| 60 Month Term |
$1,000 |
1.80% |
1.81% |
| 11 Month Term "Sprout" CD for Children |
$25 |
0.75% |
0.75% |
| 35 Month Term "Sprout" CD for Children |
$25 |
1.00% |
1.00% |
| 59 Month Term "Sprout" CD for Children |
$25 |
1.25% |
1.26% |
For additional disclosure information, contact 217-229-3701. |
Deposit rates are effective as of 1/10/2012.
For additional disclosure information, contact FNB at 217-229-3701 |
Fixed Rate Individual Retirement Account (IRA)*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply
|
| 18, 24 and 36 month terms are available at the same rate as CD terms |
Roth Individual Retirement Account (IRA)*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply
|
|
Minimum to Open |
Interest Rate |
APY |
| 18 Month Term |
$100 |
1.25% |
1.26% |
Coverdell Education Savings Account*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply
|
|
Minimum to Open |
Interest Rate |
APY |
| 18 Month Term |
$100 |
1.25% |
1.26% |
For additional disclosure information, contact FNB at 217-229-3701 |
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. |
NOW Checking
|
|
Minimum to Open |
Interest Rate |
APY |
| Balances between .01 - $19,999.99 |
$1,500 |
0.10% |
0.10% |
| Balances between $20,000 - $49,999.99 |
$1,500 |
0.15% |
0.15% |
| Balances between $50,000 - $99,999.99 |
$1,500 |
0.20% |
0.20% |
| Balances between $100,000 - $199,999.99 |
$1,500 |
0.25% |
0.25% |
| Balances between $200,000 - $499,999.99 |
$1,500 |
0.50% |
0.50% |
| Balances $500,000 and above |
$1,500 |
0.75% |
0.75% |
Money Market Deposit (MMDA)
|
|
Minimum to Open |
Interest Rate |
APY |
| Balances between .01 - $19,999.99 |
$2,500 |
0.10% |
0.10% |
| Balances between $20,000 - $49,999.99 |
$2,500 |
0.15% |
0.15% |
| Balances between $50,000 - $99,999.99 |
$2,500 |
0.20% |
0.20% |
| Balances between $100,000 - $199,999.99 |
$2,500 |
0.25% |
0.25% |
| Balances between $200,000 - $499,999.99 |
$2,500 |
0.50% |
0.50% |
| Balances $500,000 and above |
$2,500 |
0.75% |
0.75% |
For additional disclosure information, contact 217-229-3701 |
Savings*
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.
|
|
Minimum to Open |
Interest Rate |
APY |
| Statement Savings |
$50.00 |
0.35% |
0.35% |
| Christmas Club |
$2.00 |
0.35% |
0.35% |
For additional disclosure information, contact 217-229-3701 |
