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Illinois State Bank
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Savings Interest Rates

Select an account type:


Personal Savings Account Interest Rates

Account Name Minimum Balance
to Open		 Interest Rate Paid on Balance of Interest Rate* APY*+ Description/Special Features
Money Market $1,000 All balances 0.40% 0.40% Standard money market account
Perks Money Market (requires Perks Platinum Checking) $5000 $5000-9999
$10000-24999
$25000-49999
$50000+ 		0.95%
1.09%
1.49%
1.69%		 0.95%
1.10%
1.50%
1.70%		 Premium rates for high-balance Perks Platinum Checking members. Tiered interest rates/APY varies based on the daily account balance.
Portfolio Money Market $5,000 $5000-9999
$10000-24999
$25000+ 		0.95%
1.09%
1.49% 		0.95%
1.10%
1.50%
 Competitive with money market mutual funds. Tiered interest rates/APY varies based on the daily account balance.
Statement Savings $200 All balances 0.35% 0.35% Basic savings account. No minimum balance required for minors (under 21).

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Fees may apply to accounts that fall below their minimum balance requirement.
*Interest Rates and APY are variable and are subject to change on a daily basis.
**The interest rates and APYs (annual percentage yields) shown above are available as of 11/20/08.
+The Annual Percentage Yield (APY) assumes that the current interest rate will be in effect for one year and that the interest credited remains on deposit. A withdrawal of interest will reduce earnings. Fees could reduce the earnings on these accounts.


Certificates of Deposit

Type of Certificate Minimum Account
Balance		 Interest Rate* APY*+ Interest Compounding
91 day CD $1,000 1.39% 1.40% Simple
6 month CD $1,000 1.79% 1.80% Simple
1 year CD $1,000 2.13% 2.15% Quarterly
1 1/2 year CD $1,000 2.18% 2.20% Quarterly
2 year CD $1,000 2.38% 2.40% Quarterly
2 1/2 year Homeownership CD $50, additions - any amount at any time 2.03% 2.05% Quarterly
3 year CD $1,000 2.72% 2.75% Quarterly
4 year CD $1,000 2.97% 3.00% Quarterly
5 year CD $1,000 3.16% 3.20% Quarterly.

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*The interest rates and APYs (annual percentage yields) shown above are available as of 11/20/08.
+The Annual Percentage Yield (APY) assumes that the current interest rate will be in effect for one year and that the interest credited remains on deposit. A withdrawal of interest will reduce earnings. Penalty for early withdrawal.

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    (8:30 a.m. until 7:00 p.m. CST, Monday through Friday, 9:00 am until 5:00 pm CST, Saturdays, & 10:00 am until 3:00pm CST, & 10:00 am until 3:00pm CST, Sundays, excluding bank holidays)
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