Rates are subject to change without notice. Contact Illiana for most current rates.

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Rates

Fees

TERM CERTIFICATE RATES: Regular and IRA (Traditional & Roth) Last declared APY* as of 12/21/16 

TermInterest RateAPY*
3 mos *** .25% .25%
6 mos .30% .30%
12 mos ** .65% .75%
24 mos ** .95% 1.00%
36 mos ** 1.39% 1.45%
48 mos ** 1.49% 1.55%
60 mos ** 1.74% 1.80%

Certificate Disclaimer

 

** Ask how you can get .20 additional basis point on your next certificate

*** 3 month not available as IRA certificates.

**Ask about our CD specials**

 

MONEY MARKET SAVINGS

Interest RateAPY*Interest RateAPY*Interest RateAPY*Interest RateAPY*
Over $50,000 $25,000 - $50,000 $10,000 - $25,000 $2,000 - $10,000
.35% .35% .25% .25% .20% .20% .15% .15%

 

MONEY MARKET IRA

Interest RateAPY*Interest RateAPY*Interest RateAPY*Interest RateAPY*
Over $50,000 $25,000 - $50,000 $10,000 - $25,000 $0 - $10,000
.35% .35% .25% .25% .20% .20% .15% .15%
  • When you apply online for membership, a minimum opening deposit balance is required.
  • Fees could reduce the earnings on these accounts.

 

CHECKING RATES

ProductInterest RateAPY*Interest RateAPY*Interest RateAPY*Interest RateAPY*
Over $50,000 $25,000 - $50,000 $10,000 - $25,000 $2,000 - $10,000
Money Maker Checking .25% .25% .20% .20% .15% .15% .10% .10%
MaxReturns .35% .35% .25% .25% .20% .20% .15% .15%
  • When you apply online for membership, a minimum opening deposit balance as shown above is required. Dividends on all savings and checking accounts are paid on the average daily balance and compounded and paid monthly on accounts with balances of $50.00 or more.

 

SAVINGS RATES

ProductInterest RateAPY*Minimum Deposit Opening BalanceInterest CompoundedInterest Credited
Savings .15% .15% $20.00 Monthly Monthly
Christmas .35% .35% $20.00 Monthly Monthly
  • When you apply online for membership, a minimum opening deposit balance is required.
  • Fees could reduce the earnings on these accounts.
Mortgage / Home Equity RatesRate
First Mortgage Rates change frequently. Call for current rates.
Home Equity Loans Fixed & Variable Available at 80% of property appraisal, less First Mortgage Balance
  • The information above is applicable as of the effective date shown. The Credit Union may offer other rates and fees or amend the rates and fees contained here from time to time.

*APY=Annual Percentage Yield