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Savings Accounts
| Type | Dividend Rate | APY* | Minimum To Open |
| Savings | 0.50% | 0.50% | $5.00 |
| Special Savings | 0.50% | 0.50% | No Minimum |
| Christmas Club | 0.50% | 0.50% | No Minimum |
| Vacation Club | 0.50% | 0.50% | No Minimum |
| IRA Savings | 0.50% | 0.50% | No Minimum |
*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 10/31/2008. Some restrictions do apply.
Preferred Accounts
| Type | Dividend Rate | APY* | Tier |
| Preferred Rate Share | 1.40% | 1.41% | $10,000-$24,999 |
| 1.90% | 1.92% | $25,000-$49,999 | |
| 2.15% | 2.17% | $50,000-$99,999 | |
| 2.40% | 2.43% | $100,000 or more |
*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 10/31/2008. Some restrictions do apply.
Money Market Accounts
| Type | Dividend Rate | APY* | Tier |
| Money Market Share | 0.75% | 0.753% | $1,000 or more |
| Money Market Plus | 1.00% | 1.005% | $2,500-$9,999 |
| 1.50% | 1.51% | $10,000-$24,999 | |
| 2.00% | 2.02% | $25,000-$49,999 | |
| 2.25% | 2.27% | $50,000-$99,999 | |
| 2.50% | 2.53% | $100,000 or more |
*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rate is subject to change without notice. Rates as of 10/31/2008. 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.
Share Certificates
| Term | Dividend Rate | APY* | Minimum To Open |
| 91 Day ** | 2.40% | 2.40% | $2,500.00 |
| 6 Month ** | 2.75% | 2.75% | $500.00 |
| 12 Month | 3.00% | 3.04% | $500.00 |
| 18 Month | 3.25% | 3.30% | $500.00 |
| 24 Month | 3.50% | 3.56% | $500.00 |
| 30 Month | 3.75% | 3.82% | $500.00 |
| 36 Month | 4.00% | 4.07% | $500.00 |
| 48 Month | 4.25% | 4.33% | $1,000.00 |
| 60 Month | 4.50% | 4.59% | $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 11/20/2008. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Special Certificates
| Term | Dividend Rate | APY* | Minimum To Open |
| 15 Month Senior Saver ** | 3.00% | 3.04% | $1,000 |
| 32 Month Step-Up *** | 3.75% | 3.82% | $1,000 |
*APY= Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 11/20/2008. 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
IRA Certificates
| Term | Dividend Rate | APY* | Minimum To Open |
| 12 Month | 3.00% | 3.04% | $500.00 |
| 18 Month | 3.25% | 3.30% | $500.00 |
| 24 Month | 3.50% | 3.56% | $500.00 |
| 30 Month | 3.75% | 3.82% | $500.00 |
| 36 Month | 4.00% | 4.07% | $500.00 |
| 48 Month | 4.25% | 4.33% | $1,000.00 |
| 60 Month | 4.50% | 4.59% | $1,000.00 |
*APY=Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Rates as of 11/20/2008. Early withdrawal may result in penalties. All certificates automatically renew at maturity.
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 |
| Postage Stamps (per stamp or per book) | $0.41 - $8.20 |
| Ameren IP/CIPS (convenience fee) | $1.00 per bill |
| Treasury Tax and Loan Payment | n/c |
| Notary Service | n/c |
| **Signature Guarantee (authorized personnel) | $5.00 |
| Bad Address (mail returned) | $2.00 monthly |
| International Check sent for collection | $10.00 |
| **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) | $20.00 |
| *Wire Transfer (International) | $50.00 |
| *Western Union (Domestic) | $20.00 |
| *Western Union (International) | $50.00 |
| Check Printing (seniors get 1 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
