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Rates

Back to Top Savings Accounts

Type Dividend Rate APY* Minimum To Open
Savings 0.25% 0.25% $5.00
Special Savings 0.25% 0.25% No Minimum
Christmas Club 0.25% 0.25% No Minimum
Vacation Club 0.25% 0.25% No Minimum
IRA Savings 0.25% 0.25% No Minimum

*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 02/28/2010. Some restrictions do apply.


Back to Top Preferred Accounts

Type Dividend Rate APY* Tier
Preferred Rate Share 0.40% 0.40% $10,000-$24,999
  0.65% 0.65% $25,000-$49,999
  0.90% 0.90% $50,000-$99,999
  1.15% 1.16% $100,000 or more

*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 02/28/2010. Some restrictions do apply.


Back to Top Money Market Accounts

Type Dividend Rate APY* Tier
Money Market Share 0.35% 0.351% $1,000 or more
Money Market Plus 0.35% 0.351% $2,500-$9,999
  0.50% 0.50% $10,000-$24,999
  0.75% 0.75% $25,000-$49,999
  1.00% 1.00% $50,000-$99,999
  1.25% 1.26% $100,000 or more

*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rate is subject to change without notice. Rates as of 02/28/2010. Some restrictions do apply. Minimum daily balance of $1000.00 on Money Market Share account must be maintained to earn the disclosed rate. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate.


Back to Top Share Certificates

Term Dividend Rate APY* Minimum To Open
91 Day ** 0.75% 0.75% $2,500.00
6 Month ** 1.15% 1.15% $500.00
12 Month 1.50% 1.51% $500.00
18 Month 1.75% 1.76% $500.00
24 Month 2.00% 2.02% $500.00
30 Month 2.30% 2.32% $500.00
36 Month 2.40% 2.43% $500.00
48 Month 2.60% 2.63% $1,000.00
60 Month 2.90% 2.94% $1,000.00

*APY= Annual Percentage Yield. **Dividends do not compound. Dividends on all other certificates compound and paid monthly. Rates subject to change without notice. Rates as of 03/11/2010. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.


Back to Top Special Certificates

Term Dividend Rate APY* Minimum To Open
15 Month Senior Saver ** 1.50% 1.51% $1,000
32 Month Step-Up *** 2.30% 2.32% $1,000

*APY= Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 03/11/2010. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Stipulations: **55 or older only. No early w/d penalty if due to medical reasons ***Can step-up rate once during term


Back to Top IRA Certificates

Term Dividend Rate APY* Minimum To Open
12 Month 1.50% 1.51% $500.00
18 Month 1.75% 1.76% $500.00
24 Month 2.00% 2.02% $500.00
30 Month 2.30% 2.32% $500.00
36 Month 2.40% 2.43% $500.00
48 Month 2.60% 2.63% $1,000.00
60 Month 2.90% 2.94% $1,000.00

*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 03/11/2010. Early withdrawal may result in penalties. All certificates automatically renew at maturity.


Back to Top Fees

Type Fee
*Cashier Check (1 free per visit) $3.00
*Money Order $2.00
Check Cashing Third Party $5.00
Overdraft Privilege Access (per item) $25.00
**Photocopy of a Check $3.00
**Copies of Statement or Account Activity $3.00
*Illinois License Plate Sticker Fee $5.50
**Fax Service $1.00 per page
**Photocopies (5 free) $0.25 per page
Ameren IP/CIPS (convenience fee) $1.00 per bill
Treasury Tax and Loan Payment n/c
Notary Service (members only) n/c
**Signature Guarantee (authorized personnel) $5.00
Bad Address (mail returned) $2.00 monthly
International Check sent for collection $25.00
**Stop Payment $25.00
**Stop Payment (check range of 10 or more) $50.00
Tax Levi & Garnishment $50.00
Temporary Checks (8 per set) $5.00
Lost Safe Deposit Box Key $20.00
ATM/Debit Card Replacement $7.00
*Wires Transfer (Domestic) $25.00
*Wire Transfer (International) $55.00
*Western Union (Domestic) $25.00
*Western Union (International) $55.00
Check Printing (Golden Link members get 2 free box per year) Varies
Deposited Items Returned Unpaid $25.00
Dormant Account ( no activity in 24 mos.) $2.00 monthly
Insufficient Funds (NSF Check and ACH) $25.00
Re-opening Account Closed within 90 days $5.00
Account Research $20.00 per hour
Account Balancing $20.00 per hour
Travelers Cheques $1.00 per $100
Travelers Cheques for 2 $1.50 per $100

*Members 55 and older receive FREE
**Golden Link Members Receive FREE


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