Rates

Rates effective as of February 2, 2012

We are not accepting financial institution's deposits at this time.

Prime Rewards (Monthly)¹

Tier	Rate	APY*	Minimum Balance
$0 - $25,000	3.06%	3.10%	$0
$25,000 +	1.09%	1.10%	$0
All Balances	0.19%	0.20%	$0

¹ Minimum to open account is $25. Annual Percentage Yield (APY) accurate as of 1/17/11.Rate tiers are as follows: 3.10% APY applies to balances of $.01 - $25,000 and 1.10% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.20% APY applies to all balances if monthly qualifications are not met. All balances will earn 3.01% APY – 1.10% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings (i.e. stop payment fees, overdraft fees). Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. Available to personal accounts only. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle.

The Prime Rewards account is available only for residents of the following Illinois counties: Effingham, Jasper, Shelby, Fayette, Clay, Richland, Crawford, Clark, Cumberland, and Coles.

Savings (Quarterly) **

Tier	Rate	APY*	Minimum Balance	Penalty
$0 - $4,999	0.40%	0.40%	$10.00	$2.00
$5,000 - $24,999	0.65%	0.65%	N/A	N/A
$25,000 - $99,999	0.90%	0.90%	N/A	N/A
$100,000 + Balance	1.15%	1.15%	N/A	N/A

Community Savings - MM+ (Monthly) **

$10,000 minimum to open

Tier	Rate	APY*	Minimum Balance	Penalty
$0 - $9,999	0.55%	0.55%	$1,000	$5.00
$10,000 - $99,999	0.55%	0.55%	N/A	N/A
$100,000 - $499,999	0.80%	0.80%	N/A	N/A
$500,000 +	1.05%	1.05%	N/A	N/A

Health Savings Account (Monthly)

Tier	Rate	APY*
$0 - $4,999	0.50%	0.50%
$5,000 - $9,999	1.00%	1.00%
$10,000 +	1.50%	1.51%

Deposit Accounts

Account	Rate	APY*	Minimum Balance	Penalty
NOW Account (Monthly)	0.40%	0.40%	$1,000	$5.00
Dream Team Account (Monthly)	0.65%	0.65%	$2,500	$5.00
Christmas Club Account	1.00%	1.00%	N/A	N/A
MM+ Account (Monthly)	0.55%	0.55%	$1,000	$5.00

Certificates of Deposit (CD) **

Term	Rate	APY*	Minimum Balance	Penalty
15 Month Special	1.05%	1.05%	$500	3 Months
7 - 31 Day	0.50%	0.50%	$10,000	N/A
3 Month	0.50%	0.50%	$2,500	1 Month
6 Month	0.55%	0.55%	$1,000	1 Month
12 Month	0.80%	0.80%	$500	3 Months
24 Month	1.10%	1.10%	$500	6 Months
36 Month	1.40%	1.40%	$500	6 Months
48 Month	1.85%	1.86%	$500	6 Months
60 Month	2.10%	2.11%	$500	6 Months

Individual Retirement Account (IRA)

Account	Rate	APY*
IRA (Quarterly)	1.25%	1.26%

Mortgage Rates

Please note that the interest rates listed on the homepage and on this disclosure page are available to qualified borrowers only and are subject to change at any time without notice. APR is based on a $100,000 mortgage loan with a 20% down payment.