Effective: 4/2/2021
St. Elmo, Illinois

Checking Rates

Rate APY* Minimum to Open
Business Plus 0.05% 0.05% $200
Advantage Checking - - $25
$0-$199 0.00% 0.00% -
$200 and above 0.05% 0.05% -
NOW Accounts - - $1,500
$0-$1,499 0.01% 0.01% -
$1,500-$4,999 0.05% 0.05% -
$5,000-$24,999 0.15% 0.15% -
$25,000 and above 0.20% 0.20% -
Index Checking - - $250,000
$0-$249,999 0.05% 0.05% -
$250,000 and above 0.50% 0.50% -

Money Market Accounts Rates

Rate APY* Minimum to Open
Personal Money Market - - $2,500
$0-$2,499 0.00% 0.00% -
$2,500-$4,999 0.05% 0.05% -
$5,000-$24,999 0.10% 0.10% -
$25,000 and above 0.20% 0.20% -
InvestmentONE - - $15,000
$0-$24,999 0.00% 0.00% -
$25,000-$49,999 0.40% 0.40% -
$50,000 and above 0.60% 0.60% -
BusinessONE - - $25,000
$0-$2,499 0.00% 0.00% -
$2,500-$4,999 0.05% 0.05% -
$5,000-$24,999 0.10% 0.10% -
$25,000 and above 0.20% 0.20% -

Earnings Credit Rate

Rate
Earnings Credit Rate 0.25%

Savings Rates

Rate APY* Minimum to Open
Young Savers 0.15% 0.15% $5
Statement Savings 0.15% 0.15% $100
New Day 0.05% 0.05% $25
Advantage Savers 0.05% 0.05% $100
Holiday Club 0.25% 0.25% $5
Investment Flex Plus** - - $25,000
$0-$24,999 0.05% 0.05% -
$25,000 and above 0.25% 0.25% -

Health Savings Accounts

Rate APY* Minimum to Open
Health Savings Accounts - - $25
$0-$2,499 0.10% 0.10% -
$2,500-$9,999 0.15% 0.15% -
$10,000-$19,999 0.20% 0.20% -
$20,000 and above 0.25% 0.25% -

CD’s-Fixed Rate and IRA

Rate APY* Minimum to Open
91 Days 0.30% 0.30% $1,000
182 Days 0.35% 0.35% $1,000
9 Month 0.40% 0.40% $1,000
12 Month 0.50% 0.50% $1,000
15 Month 0.50% 0.50% $1,000
16 Month 0.50% 0.50% $1,000
18 Month 0.55% 0.55% $1,000
24 Month 0.60% 0.60% $1,000
30 Month 0.70% 0.70% $1,000
36 Month 0.80% 0.80% $1,000
48 Month 0.90% 0.90% $1,000
60 Month 0.90% 0.90% $1,000

Member FDIC

*APY=Annual Percentage Yield accurate as of the date shown and is subject to change without notice at the Bank’s sole discretion. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal.

**A United Fidelity Bank Checking Account is required to open an Investment FlexPlus Savings.

Products and rates may vary by region.

Additional information is available from any of our Customer Service Specialists.