Deposit Interest Rates | Colorado

Effective Date as of 02/18/2026
 

Certificates of Deposit / Individual Retirement Account CD Rate Specials

CD products are listed by product, interest rate, and annual percent yield.
PRODUCT MINIMUM OPENING DEPOSIT CDs/ IRA CDs INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
5 Month CD* $1,000.00 3.71% 3.75%
11 Month CD** $1,000.00 3.69% 3.70%
*Minimum Certificate of Deposit (CD) balance to open is $1,000. 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 and/or brokered accounts.  Additional terms and conditions may apply. 
 
** Minimum Certificate of Deposit (CD) balance to open is $1,000. 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 and/or brokered accounts.  Additional terms and conditions may apply. Offer may be discontinued at any time. To receive the 3.70% APY on the 11‑Month CD Special, deposits must be new to Busey Bank or originate from a maturing Busey CD rollover. New money is defined as funds not currently on deposit with Busey Bank.
 
 
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.  If no action is taken upon maturity, the CD specials will renew at the CD base 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.
 
Please ask your local Busey Bank Associate for detail, terms and current rates.
 
 

Certificates of Deposit / Individual Retirement Account CDs

CD products are listed by term length and indicate minimum opening deposit amount, interest rate, and annual percent yield.
PRODUCT MINIMUM OPENING DEPOSIT CDs/ IRA CDs INTEREST RATE APY
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 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.
 

Individual Retirement Accounts

IRA products are listed by term length and indicate minimum opening deposit amount, interest rate, and annual percent yield.
PRODUCT MINIMUM OPENING DEPOSIT INTEREST RATE APY
Traditional 18 Month Variable
 $1,000.00
 0.05% 0.05%
Roth Savings  $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. 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. ROTH Savings grace periods are between April 1-15 and October 1-15. Fees may reduce earnings.
 
 

Savings Accounts

Savings products are listed by term length and indicate minimum opening deposit amount, interest rate, and annual percent yield.
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

Premium Savings products are listed by term length and indicate minimum opening deposit amount, interest rate, and annual percent yield.
PRODUCT INTEREST RATE APY
$5MM and over 3.211% 3.25%
$1MM - $4,999,999.99 3.211% 3.25%
$500,000 - $999,999.99 3.211% 3.25%
$250,000 - $499,999.99 3.211% 3.25%
$100,000 - $249,999.99 3.211% 3.25%
$25,000 - $99,999.99 2.722% 2.75%
$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

Checking products are listed by term length and indicate minimum opening deposit amount, interest rate, and annual percent yield.
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

Money Market products are listed by term length and indicate minimum opening deposit amount, interest rate, and annual percent yield.
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.

** The Pillar Money Market is available only to Pillar account holders. 1↩ 2↩ 3↩ 4↩