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.


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

Other Services:

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

Please call us at 217-563-7711 for more information regarding our loan services.

Certificates of Deposit:

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 TimeMinimum Balance
91 Days$2,500.00
182 Days$2,500.00

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.

Length of TimeMinimum Balance
12 Months$1,000.00
18 Months$1,000.00
24 Months$1,000.00
36 Months$1,000.00
48 Months$1,000.00

Individual Retirement Accounts

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.

TypeLength of TermMinimum Balance
Traditional IRA18 Months$200
Roth IRA18 Months$200
Educational IRA18 Months$200