Your Money. Your Choice. Your Growth.
Every financial goal starts with a plan.
Whether you’re saving for a dream vacation, building an emergency fund, planning for a new home, or preparing for retirement, your savings should work as hard as you do.
Because every goal has a different timeline, we offer more than one way to help your money grow. From flexible savings to competitive CD options, we’ll help you find the account that’s right for you.
Find the option that fits your goals.
Premium Savings | Earn up to 4.00% APY* for 90 days
Open and maintain a new Premium Savings account with an eligible deposit of $100,000 or more. Designed for clients who are looking for flexibility while helping your new money grow.
Best for:
- Emergency funds
- Large cash reserves
- Savings you’ll need in the near future
Highlights
- 4.00% APY (3.945% Interest Rate) for 90 days
- Minimum opening deposit of $100,000
- New money or eligible CD rollover required
- Promo Code: PREMIUM90
- Available in branch only
13-Month CD with New Checking Account | Earn 4.20% APY^
A good option when you have funds you want to set aside to help you grow your savings over time.
Best for:
- Longer-term savings goals
- Money you won’t need right away
Highlights
- 4.20% APY (4.13% Interest Rate)
- Requires a new Foundation Checking or Pillar Banking account with new money
- Available as a Consumer CD or IRA
- Minimum opening CD deposit of $1,000
- Available in branch only
Which savings option is right for you?
| If you want to… | Consider… |
|---|---|
| Keep your money accessible | Premium Savings |
| Lock in a fixed rate | 13-Month CD |
| Save for a short-term goal | Premium Savings |
| Save for a future milestone | 13-Month CD |
Let’s help you reach your next goal.
Visit your nearest branch to speak with a banker about the savings option that’s right for you.
Your Money. Your Choice. Your Growth.
*Premium Savings Promotional Offer (AZ/CO/FL/NM/TX Branches Only).
Promotional Period: Offer valid for limited time for accounts opened by September 19, 2026. Busey Bank may change or discontinue this offer at any time before this date without notice.
To qualify for the promotional Annual Percentage Yield (APY), you must (1) open a new Premium Savings account in branch in Arizona, Colorado, Florida, New Mexico or Texas during the promotional period; (2) fund the account at opening with $100,000 or more in new funds (funds originating from a financial institution other than Busey Bank); (3) use promo code PREMIUM90 at account opening; and (4) maintain a daily balance of $100,000 or more for 90 days after account opening.
The promotional APY of 4.00% applies for the first 90 days following account opening. If the daily balance falls below $100,000 during the promotional period, the APY will revert to the applicable standard rate for the account. This is a tiered-rate account with tiers as follows: $0-$24,999.99, 0.05%; $25,000-$99,999.99, 2.75%; $100,000-$249,999.99, 3.25%; $250,000-$499,999.99, 3.25% $500,000-$999,999.99, 3.35%; $1MM-$4,999,999.99, 3.25% $5MM+, 3.25%. Fees may reduce earnings. After the 90‑day promotional period ends, the APY will revert to the standard rate for the account. Rates are accurate as of 06/29/2026 and are subject to change without notice. Interest is paid on the last day of each calendar quarter. Standard rates may change after the account is opened.
Eligibility: To be eligible for this promotional offer, the customer must be at least 18 years old, must be opening a new Premium Savings account funded with new money, and must not have received a Premium Savings incentive within the past 12 months. Employees are not eligible for this offer, and the promotion is limited to one account per household.
^13-month Certificate of Deposit (CD) with New Checking Account Promotional Offer (AZ/CO/FL/NM/TX Branches Only).
Offer valid for limited time for accounts opened by September 19, 2026. Busey Bank may change or discontinue this offer at any time before this date without notice.
To qualify for the promotional Annual Percentage Yield (APY), you must (1) open a new 13-month CD in branch in Arizona, Colorado, Florida, New Mexico or Texas during the promotional period; (2) open and fund a new Foundation Checking or Pillar Banking account in branch in Arizona, Colorado, Florida, New Mexico or Texas at the time of opening the CD; checking accounts are subject to terms, including minimum balance requirements and monthly maintenance fees. Visit go.busey.com for details.
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 commercial clients, public entities and/or brokered accounts. The primary or joint owner on the certificate of 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 certificate of deposit, in order to be eligible to earn the highest stated rate and APY. Additional terms and conditions may apply.
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 13 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 13 months, the early withdrawal penalty is 13 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 details, terms and current rates.