Deposit Interest Rates | Digital Market

Effective Date as of 04/15/2026
 

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 YIELD3 (APY)
5 Month CD w/checking $1,000.00 3.95% 4.00%1
11 Month CD $1,000.00 3.69% 3.70%2
1To earn the 4.00% APY on the 5‑Month CD Special, the primary or joint CD owner must also be a primary or joint owner of an eligible Busey Bank checking account that is open and maintained in good standing for the CD term. If the checking account requirement is not met, the CD will earn the standard rate in effect at that time.
 
2To earn the 3.70% APY on the 11‑Month CD Special, funds must be new to Busey Bank or transferred from a maturing Busey CD at renewal. New funds are defined as deposits not currently on deposit with Busey Bank.
 
3Minimum opening deposit to obtain the Annual Percentage Yield (APY) is $1,000. Fees may reduce earnings and early withdrawal penalties will apply.
 
Individual Retirement Account (IRA) CDs are eligible for promotional rates and must meet the $1,000 minimum opening deposit and all applicable requirements to earn the promotional APY. Promotional rates are not available for public entities or brokered accounts. 
 
If no action is taken at maturity, CDs will renew at the standard CD base rate in effect at that time. Special and promotional offers are subject to change or termination at any time. 
 
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.
 
 

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.  Statements provided quarterly if the account is not combined with a checking account statement cycle.  Ask your local Busey Bank associate for details, terms and current rates.
 

Pillar Banking 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
$20,000 and over $100.00
 0.01% 0.01%
$3,000 - $19,999.99 $100.00
 0.01% 0.01%
$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 on the account. 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↩