

Deposit Interest Rates | Digital Market
Effective Date as of 07/30/2025
Certificates of Deposit / Individual Retirement Account CD Rate Specials
*Minimum Certificate of Deposit (CD) balance to open is $1,000. To qualify, funds must be new to Busey Bank or from a maturing Busey Bank CD. Promotional rates good through August 15, 2025. Rates offered are subject to change without notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account. Offer not available to public entities, brokered accounts or business accounts. Additional terms and conditions may apply.
New money is defined as funds originating from a financial institution other than Busey Bank, or from a Busey Bank CD that has reached maturity. Individual Retirement Account (IRA) CDs are eligible to receive these promotional rates and must meet the $1,000 minimum balance requirement with qualifying funds to earn the APY. Busey maturing CD rollovers to the special rate must be completed in person with a Banker. CDs will renew at base rates if no action is taken upon maturity.
Early Withdrawal Penalty:
If the term of the CD is 12 months or less, the early withdrawal penalty is 6 months of interest, but not more than the total amount of interest earned during the current term of the CD.
If the term of the CD is greater than 12 months, the early withdrawal penalty is 12 months of interest, but not more than the total amount of interest earned during the current term of the CD.
Transferring of interest and partial withdrawals requested outside of the grace period may not be allowed.
Please ask your local Busey Bank Associate for detail, terms and current rates.
Certificates of Deposit / Individual Retirement Account CDs
PRODUCT | MINIMUM OPENING DEPOSIT CDs/ IRA CDs | INTEREST RATE | APY |
---|---|---|---|
60 Month CD | $1,000.00 / $500.00 | 0.05% | 0.05% |
48 Month CD | $1,000.00 / $500.00 | 0.05% | 0.05% |
36 Month CD | $1,000.00 / $500.00 | 0.05% | 0.05% |
24 Month CD | $1,000.00 / $500.00 | 0.05% | 0.05% |
18 Month CD | $1,000.00 / $500.00 | 0.05% | 0.05% |
12 Month CD | $1,000.00 / $500.00 | 0.05% | 0.05% |
6 Month CD | $1,000.00 / $500.00 | 0.05% | 0.05% |
All rates and 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. Certificates of Deposit (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.
$500 minimum balance to open and earn APY on 6-month, 12-month, 18-month, 24-month, 36-month, 48-month, and 60-month Individual Retirement Account (IRA) CD.
Savings Accounts
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 may change after the account is opened.
Premium Savings Account
All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Rates may change after the account is opened. Minimum deposit to open the account is $25,000 in new funds or from a Busey Bank matured CD. New funds must originate from a financial institution other than Busey Bank. This is a tiered rate account, minimum balance of $100,000 is required to obtain the premium APY offered. Fees may reduce earnings. No fee for electronic statements; or $4.00 paper statement fee is charged per statement cycle. Ask your local Busey Bank associate for details, terms and current rates.
Pillar Banking Accounts
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 on the account. The rate may change after the account is opened.
Money Market Account
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 may change after the account is opened.