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6-Month CD Term4.15APY*%

Earn More Interest Now!

United Fidelity Bank has a savings plan for all types of savers. Commit your money to increased earnings with a Certificate of Deposit. Earn higher interest rates with our short-term or long-term CDs, which offer a variety of terms and balances.

Open your account online, call, or stop by our four area banking centers in Cowden, Herrick, Shelbyville, and St. Elmo locations to learn more about our highest available CD rates!

Open An Account

Cowden Banking Center – Cowden, IL

Location Information
126 N Grand, Route 128
Cowden, IL 62422
United States
Get Directions

Phone (217) 783-2121
Toll-Free 1-800-280-8280

Lobby Hours
Monday-Wednesday: 9am to 4pm
Thursday: 9am to 12pm
Friday: 9am to 4pm
Saturday: 9am to 12pm

Central Time Zone

Herrick Banking Center – Herrick, IL

Location Information
3 S Broadway
Herrick, IL 62431
United States
Get Directions

Phone (618) 428-5228
Toll-Free 1-800-280-8280

Lobby Hours
Monday-Wednesday: 8am to 4pm
Thursday: 8am to 12pm
Friday: 8am to 5pm
Saturday: 8am to 12pm

Central Time Zone

Shelbyville Banking Center – Shelbyville, IL

Location Information
2202 West Main Street
Shelbyville, IL  62565-6256
United States
Get Directions

Phone (217) 774-2131
Toll-Free 1-800-280-8280

Lobby Hours
Monday-Thursday: 9am to 4pm
Friday: 9am to 5m
Saturday: 9am to 12pm

Central Time Zone

St. Elmo Banking Center – St. Elmo, IL

Location Information
320 N Main Street
St. Elmo, IL 62458
United States
Get Directions

Phone (618) 829-3225
Toll-Free 1-800-280-8280

Lobby Hours
Monday-Thursday: 9am to 3pm
Friday: 9am to 5pm
Saturday: 9am to 12pm

Central Time Zone

Featured Terms & Rates

10-month CD Term 4.05% APY*
18-Month CD Term is 4.10% APY*
24-Month CD Term is 4.17% APY*
36-Month CD Term is 4.14% APY*
48-Month CD Term is 4.14% APY*
60-Month CD Term is 4.16% APY*

*Annual Percentage Yields current as of 5/15/2026. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates are subject to change at any time. A minimum deposit of $1,000 is required to open a CD. CDs renew automatically to a standard rate in effect at the time of renewal unless instructed otherwise. See associate for details.

Routing #286371663

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Call 1-800-280-8280 for assistance Monday-Friday 7 am to 5 pm (CT)
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