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Champaign Deposit Interest Rates


Effective Date: 02/01/2023

Certificates of Deposit / IRA CDs

PRODUCT MINIMUM OPENING DEPOSIT INTEREST RATE APY
Portfolio CD Package - 1 year* $2,500.00 0.05% 0.05%
Portfolio CD Package - 2 year* $2,500.00 0.05% 0.05%
Portfolio CD Package - 3 year* $2,500.00 0.05% 0.05%
60 Month CD $1,000.00 0.05% 0.05%
48 Month CD $1,000.00
0.05% 0.05%
36 Month CD $1,000.00
0.05% 0.05%
24 Month CD $1,000.00
0.05% 0.05%
18 Month CD $1,000.00
0.05% 0.05%
12 Month CD $1,000.00
0.05%  0.05%
6 Month CD $1,000.00
0.05% 0.05%
All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. A penalty will be imposed for early withdrawal and may reduce earnings. CD accounts will automatically renew at maturity for the same term. You will have 10 calendar days after the maturity date to withdraw funds without penalty. Fees may reduce earnings.

$1,000 minimum balance to open and earn APY on 6-month, 12-month, 18-month, 24-month, 36-month, 48-month, and 60-month CD.

*The Portfolio CD Package is available only to Pillar Banking account holders and requires a minimum deposit of $7,500 to be divided equally among the three termed certificates.
 

Individual Retirement Accounts

PRODUCT MINIMUM OPENING DEPOSIT INTEREST RATE APY
Traditional 18 Month Variable
$50.00
0.05% 0.05%
Roth Savings / CESA Savings $50.00
0.01% 0.01%
All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings. The rate on variable accounts may change after the account is opened.

Traditional 18 Month Variable- A penalty will be imposed for early withdrawal and may reduce earnings. CD accounts will automatically renew at maturity for the same term. You will have 10 calendar days after the maturity date to withdraw funds without penalty. Fees may reduce earnings.
 

Savings Accounts

PRODUCT MINIMUM OPENING DEPOSIT INTEREST RATE APY
Everyday Savings $100.00 0.01% 0.01%
Minor Savings $25.00 0.01% 0.01%
All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings.
 

Checking Accounts

PRODUCT MINIMUM OPENING DEPOSIT INTEREST RATE APY
Health Savings - $25,000 and over $25.00
0.01% 0.01%
Health Savings - $10,000 - $24,999.99 $25.00
0.01% 0.01%
Health Savings - $1,500 - $9,999.99
$25.00
0.01% 0.01%
Health Savings - $1,499.99 and below
$25.00
0.01% 0.01%
Pillar Banking - $20,000+
$100.00 0.01% 0.01%
Pillar Banking - $3,000 - $19,999.99 $100.00 0.01% 0.01%
All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings.
 

Money Market Account

PRODUCT MINIMUM OPENING DEPOSIT INTEREST RATE APY
Money Market - $50,000 and over $100.00 0.01% 0.01%
Money Market - $15,000 to $49,999.99 $100.00 0.01% 0.01%
Money Market - $2,500 to $14,999.99 $100.00 0.01% 0.01%
Money Market - $2,499.99 and below $100.00 0.01% 0.01%
Pillar Money Market - $50,000 and over** $100.00 0.01% 0.01%
Pillar Money Market - $15,000 to $49,999.99** $100.00 0.01% 0.01%
Pillar Money Market - $2,500 to $14,999.99** $100.00 0.01% 0.01%
Pillar Money Market - $2,499.99 and below** $100.00 0.01% 0.01%
All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings. **The Pillar Money Market is available only to Pillar account holders.






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