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Interest Rates

Deposit & Loan Interest Rates

Interest Rates current as of December 12, 2016

APY = Annual Percentage Yield. Fees may reduce earnings.

We keep our interest rates posted for our customers, but they are subject to change at any time. When in doubt, please contact us to obtain current information.

What interest rate may we help you with today?:

Savings & Checking | CD | IRA | Business

Savings & Checking Interest Rates

TypeMinimum Opening DepositInterest RateAPY
Illini Premier $100.00 0.10% 0.10%
Basic Savings $100.00 0.10% 0.10%
Health Savings Account $100.00 0.10% 0.10%
Freedom Rewards* $100.00 0.21% 0.21%

 *To earn a higher interest rate and have Illini Bank ATM fees refunded every monthly qualification cycle you must meet 3 of the following qualifiers:

  • Have at least 1 Automatic Payment post and clear
  • Have at least 1  Direct Deposit post and clear
  • Have at least 10 debit card purchases post and clear
  • Receive an electronic statement

Premier Money Market

TypeMinimum Opening DepositInterest RateAPY
up to $9,999 $100.00 0.01% 0.01%
$10,000 - $24,999.99   0.15% 0.15%
$25,000 - $49,999.99   0.20% 0.20%
$50,000 - $249,999.99   0.20% 0.20%
$250,000 and up   0.20% 0.20%

 

CD Interest Rates

We post our interest rates as a convenience to our customers in making financial decisions. Feel free to contact us with questions or to open an account.

TypeMinimum Opening DepositInterest RateAPY¹
3 Month $1,000.00 0.05% 0.05%
6 Month $1,000.00 0.10% 0.10%
12 Month $1,000.00 0.20% 0.20%
18 Month $1,000.00 0.30% 0.30%
24 Month $1,000.00 0.45% 0.45%
36 Month $1,000.00 0.80% 0.80%
48 Month $1,000.00 1.20% 1.20%
60 Month $1,000.00 1.30% 1.30%

¹ APY (Annual Percentage Yield) and interest rates are subject to change without notice.
Fees may reduce earnings.
A penalty may be imposed for early withdrawal.
Certain restrictions and conditions may apply.

IRA Interest Rates

We post our interest rates as a convenience to our customers in making financial decisions. Feel free to contact us with questions or to open an account.

The below rates are for all IRA types (Traditional, Roth, SEP and Coverdell)

TypeMinimum Opening DepositInterest RateAPY
12 Month $1000.00 0.20% 0.20%
24 Month $1000.00 0.45% 0.45%
36 Month $1000.00 0.65% 0.65%
48 Month          $1000.00 0.85% 0.85%


Business Interest Rates¹ APY (Annual Percentage Yield) and interest rates are subject to change without notice.
Fees may reduce earnings.
A penalty may be imposed for early withdrawal.
Certain restrictions and conditions may apply.

We post our interest rates as a convenience to our customers in making financial decisions. Realize that interest rates are subject to change without notice. Feel free to contact us with questions or to open an account.

TypeMinimum Opening DepositInterest RateAPY¹
Illini Premier Business $100.00 0.06% 0.06%
Basic Business Savings $100.00 0.10% 0.10%
Premier Business Money Market
up to $9,999 0.01% 0.01%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.15% 0.15%
$50,000 - $499,999.99 0.20% 0.20%
$500,000 and up 0.20% 0.20%

¹ APY (Annual Percentage Yield) and interest rates are subject to change without notice.
Fees may reduce earnings.

 

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