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Online Banking is Now Available.  
Click ENROLL under our logo above.

 

 

Loans

Consumer Loans
Real Estate Loans
Home Improvement
Secured & Unsecured Loans
Residential, Farm and Commercial Loans

Call us  217-563-7711
for more information on any of these loan services.
 

Deposit Services

Now Account Checking Type 62 

Minimum Balance of $200.00
Interest is compounded monthly. If the average balance falls below $200.00, there is a $5.00 service charge.
Cancelled checks are not returned, they are truncated.

Now Account Checking Type 72

Minimum Balance of $1.00
No interest paid on these accounts.
Cancelled checks are not returned, they are truncated.

Money Market Account M.M.A.

Minimum Balance of $2,500.00
If average balance falls below $2,500.00 during statement period, account will earn 25 basis points less than the rate this institution is then paying on its regular savings accounts. Checking privileges are not available.

Statements on the Now and Checking accounts and Money Market accounts are mailed monthly. Cost of checks varies with style and is deducted from the account.

Passbook Savings Accounts

Minimum Balance of $1.00
You may deposit or withdraw as often as needed. Passbook gives you a permanent record of your transactions and earns interest from date of deposit to date of withdrawal.

Christmas Club Passbook Account

These accounts work the same as Passbook Savings, but in October you receive a check for the balance of the account. Receive a free gift when you open your Christmas Club account.

Other Services

Debit/ATM Card
Money Orders
Safe Deposit Boxes
U.S. Savings Bond Redemption
Night Depository Envelope Drop 

Certificates of Deposit:

Length of Time
Minimum Balance
91 Day
$2,500.00
182 Day
$2,500.00
Interest rate is guaranteed during each term.
Interest may be mailed at Maturity or added to the C.D. balance for another term.
Length of Time
Minimum Balance
12 Month
$1,000.00
18 Month
$1,000.00
24 Month
$1,000.00

36 Month

$1,000.00

48 Month
$1,000.00
Interest rate is guaranteed during each term.
Interest may be compounded to the account monthly or credited and mailed monthly (if account balance is $10,000 or over), quarterly, semi-annually, or annually. There is substantcial penalty for early withdrawal on all CD's.

 

Individual Retirement Accounts

Type
Length of Term
Minimum Balance
Traditional IRA
18 Month
$200
Roth IRA
18 Month
$200
Educational IRA
18 Month
$200
All of the above listed certificates automatically renew for a similar term at the interest rate then posted in our office. Initial rates may change at any time and there is a substantial penalty for early withdrawal.

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