LOGIN Rates CHECKING ACCOUNTS SAVINGS ACCOUNTS MONEY MARKET ACCOUNTS INDIVIDUAL RETIREMENT ACCOUNTS CERTIFICATES OF DEPOSIT MORTGAGE RATES *Annual Percentage Yields and Interest Rates are current as of November 2, 2021. Checking Accounts Lifetime Free NOW Checking Complimentary welcome pack of checks No annual fee debit card A BankChampaign exclusive and our most popular checking choice Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY** Interest Rate $300 No daily balance required to earn interest None None 0.05% 0.05% Seniority Plus Designed for individuals 55 and older Discount on safe deposit box No annual fee debit card No cost for basic personal checks or cashier’s checks Monthly coupon from local restaurant Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY** Interest Rate $300 Daily balance of $200 or more to earn interest None None 0.05% 0.05% Prime Checking No annual fee debit card A great combination of high interest and liquidity Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY** Interest Rate $500 Daily balance of $200 or more to earn interest $10/month service charge if daily balance falls below $1,000 None 0.10% 0.10% Community NOW Checking Designed for non-profit organizations Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY* Interest Rate $300 No daily balance requirement to earn interest None None 0.05% 0.05% Savings Accounts Regular Savings A classic way to save Quarterly statement Limit of 6 transfers/electronic debits per month Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY** Interest Rate $200 No daily balance required to earn interest $9/quarter service charge if daily balance falls below $200 Nine free withdrawals per quarter; additional withdrawals are $1 each 0.05% 0.05% Senior Savings Designed for individuals 55 and older Quarterly statement Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY** Interest Rate None No daily balance required to earn interest None None 0.05% 0.05% Minor Savings Designed for individuals 18 and younger Quarterly statement Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY** Interest Rate None No daily balance required to earn interest None None 0.05% 0.05% Health Savings Account Any adult covered by a high-deductible health plan (and who has no other first-dollar coverage) may establish an HSA for future medical expenses. Contributions can be made by you, your employer or both. Amounts contributed to an HSA belong to the account holder and are completely portable. Funds in the account can grow tax-free through investment earnings, just like an IRA. Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY** Interest Rate $100 No daily balance required to earn interest None None 0.05% 0.05% Commercial Savings Account A safe haven for business assets Quarterly statement Limit of 6 transfers/electronic debits per month Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY* Interest Rate $200 No daily balance required to earn interest $9/quarter service charge if daily balance falls below $200 Nine free withdrawals per quarter; additional withdrawals are $1 each 0.05% 0.05% Money Markets Personal Money Market The higher the balance, the higher the rate Limited to 6 transfers/checks/electronic debits per month Maintain minimum balances in the account each day to earn interest Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees $1,500 Daily balance requirement of $200 or more to earn interest $10/month service charge if balance falls below $5,000 Unlimited deposits and in-person withdrawals; checks and electronic debits are $2 each Balance APY** Interest Rate Below $2,499.99 0.05% 0.05% From $2,500.00 to $9,999.99 0.05% 0.05% From $10,000.00 to $24,999.99 0.10% 0.10% Above $25,00.00 0.15% 0.15% Commercial Money Market The higher the balance, the higher the rate Limited to 6 transfers/checks/electronic debits per month Maintain minimum balances in the account each day to earn interest Minimum Opening Deposit Monthly Balance Requirement Monthly Service Charge Transaction Fees APY* Interest Rate $1,500 Daily balance requirement of $200 or more to earn interest $10/month service charge if balance falls below $5,000 Unlimited deposits and in-person withdrawals; checks and electronic debits are $2 each Balance APY* Interest Rate Below $2,499.99 0.05% 0.05% From $2,500.00 to $9,999.99 0.05% 0.05% From $10,000.00 to $24,999.99 0.10% 0.10% Above $25,00.00 0.15% 0.15% Individual Retirement Accounts Individual Retirement Accounts $2,500 minimum to open Maintain daily minimum balance of $2,500 or more to earn interest APY** Interest Rate 18 Month Variable IRA 0.25% 0.25% 18 Month Fixed IRA 0.25% 0.25% 3 Month IRA 0.10% 0.10% 6 Month IRA 0.15% 0.15% 12 Month IRA 0.20% 0.20% 15 Month IRA 0.20% 0.20% 22 Month IRA 0.25% 0.25% 24 Month IRA 0.30% 0.30% 30 Month IRA 0.30% 0.30% 36 Month IRA 0.40% 0.40% 48 Month IRA 0.50% 0.50% 60 Month IRA 0.55% 0.55% Certificates of Deposit Certificates of Deposit $500 minimum to open Maintain daily minimum balance of $500 or more to earn interest APY* Interest Rate 12 Month CD 0.20% 0.20% 15 Month CD 0.20% 0.20% 18 Month CD 0.25% 0.25% 22 Month CD 0.25% 0.25% 24 Month CD 0.30% 0.30% 30 Month CD 0.30% 0.30% 36 Month CD 0.40% 0.40% 48 Month CD 0.50% 0.50% 60 Month CD 0.55% 0.55% Certificates of Deposit $2,500 minimum to open Maintain daily minimum balance of $2,500 or more to earn interest APY* Interest Rate 3 Month CD 0.10% 0.10% 6 Month CD 0.15% 0.15% 9 Month CD 0.15% 0.15% Jumbo Certificates of Deposit $100,000 minimum to open Maintain daily minimum balance of $100,000 or more to earn interest APY* Interest Rate 3 Month CD 0.10% 0.10% 6 Month CD 0.15% 0.15% 12 Month CD 0.20% 0.20% 24 Month CD 0.30% 0.30% Mortgage Rates Mortgage Rates Term APR* Rate Monthly Principal & Interest Payment per $1,000 (does not include taxes or insurance) 30-year Fixed (360 payments) 3.750% 3.821% $4.15 15-year Fixed (180 payments) 3.000% 3.174% $6.49 Additional rates and programs are available. *Annual Percentage Rate (APR) based on representative $140,000 loan amount, 80% loan to value, 740+ credit score with escrow for stated term and includes common and customary closing costs. Subject to minimum down payment requirements on a purchase. Rates are subject to change without notice. Rates are effective as of Tuesday, November 2, 2021. Disclosures For current rate information, call 217-351-2870. Any fees associated with the above accounts can decrease the earnings on the account. Variable Rate Accounts are subject to interest rate changes after the accounts are opened. All certificates are subject to early withdrawal penalties. © 2021 BankChampaign All rights reserved. Phone – 217-351-2870 Site Map HOME MEMBER FDIC EQUAL HOUSING LENDER PRIVACY POLICY INSURECHAMPAIGN BANKCHAMPAIGN IS A PROUD SUPPORTER OF