Macon Deposit Interest Rates
Effective Date: 06/18/2025
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 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. 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 IRA CD.
Certificates of Deposit / Individual Retirement Account CD Rate Specials
* Minimum Certificate of Deposit (CD) balance to open and obtain Annual Percentage Yield (APY) is $1,000 / $500 (IRA CD). Rates subject to change at any time. Fees could reduce the earnings on the account. Penalty for early withdrawal. Individual Retirement Account (IRA) CDs are eligible to receive these promotional rates. Not for public entities and/or brokered accounts.
1Special or promotional offer is subject to change at any time. The primary or joint owner on the time deposit must be the primary or joint owner on an open Busey Bank checking account in good standing, by having a positive balance, when opening the time deposit, in order to be eligible to earn the highest stated rate.
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.
Individual Retirement Accounts
| PRODUCT | MINIMUM OPENING DEPOSIT | INTEREST RATE | APY |
|---|---|---|---|
| Traditional 18 Month Variable |
$50.00 |
0.05% | 0.05% |
| Roth Savings | $50.00 |
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. 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% |
| Bridge 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. The rate may change after the account is opened.
Premium Savings Account
| PRODUCT | INTEREST RATE | APY |
|---|---|---|
| $5MM and over | 3.942% | 4.00% |
| $1MM - $4,999,999.99 | 3.942% | 4.00% |
| $500,000 - $999,999.99 | 3.942% | 4.00% |
| $250,000 - $499,999.99 | 3.942% | 4.00% |
| $100,000 - $249,999.99 | 3.942% | 4.00% |
| $25,000 - $99,999.99 | 3.212% | 3.25% |
| $0 - $24,999.99 | 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. 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.
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% |
| Pillar Banking $2999.99 and below |
$100.00 | 0.00% | 0.00% |
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.
Money Market Account
| PRODUCT | MINIMUM OPENING DEPOSIT | INTEREST RATE | APY |
|---|---|---|---|
| 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 | 0.00% | 0.00% |
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.
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