Individual Retirement Accounts (IRAs)

Envision your retirement with bright eyes.

Whether you plan to fish or spend time with family, live out your golden years with an IRA. 

Apply Now
See More Details

Benefits You’ll Love 

  • Tax advantage way to save  
  • Select from a savings account or certificate 
  • Deposits insured by the NCUA 
  • Earn competitive dividends

An Individual Retirement Account (IRA) savings account is a great way to plan for retirement, offering tax benefits and growth potential. 

  • Grow your money tax-deferred
  • Make deposits as little as $5.00
  • Transfer your funds into an IRA Certificate when you accumulate $1,000
  • No minimum balance requirement
 
 

An Individual Retirement Account (IRA) certificate is a great way to save for retirement with a stable, low-risk investment that takes advantage of tax benefits.

  • Competitive, fixed rates
  • Traditional, Roth, or Educational options available
  • Select from terms ranging from 12 months to 60 months
  • $1,000 minimum contribution to open 
 
Apply Now
Questions?
Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

$
$
#
  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Learn More
Questions

*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
$
$
%
2. Loan Details
%
#
$
%
3. Lease Details
%
#
$
%
  • Net cost of buying $0
  • Net cost of leasing $0
Learn More
Questions
CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

$
#
%
What is the compounding interval?
  • Total value at maturity $0
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Learn More
Questions
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

$
#
%
$
  • Monthly deposit needed to reach goal $0
Learn More
Questions
Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

$
%
#
  • Estimated monthly payment $0
  • Total paid $0
  • Total interest paid $0
Learn More
Questions

Certificate Specials Rates

Type Dividend Rate APY* Minimum To Open
7 Month 4.17% 4.25% $1,000.00
11 Month 3.93% 4.00% $1,000.00
17 Month 3.69% 3.75% $1,000.00
27 Month 3.45% 3.50% $1,000.00

* APY = Annual Percentage Yield. Rates subject to change without notice. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.

Credit Card Rates

Term APR* as low as APR*
VISA Elite No Annual Fee 8.90%
VISA Premier No Annual Fee 12.90%
VISA Platinum No Annual Fee 13.90%

Home Equity Line of Credit Rates

Term APR* as low as
15-year open line of credit Variable Rate
5-year draw period Variable Rate

Minimum $5,000; maximum $100,000. Up to 80% combines loan-to-value

 

Home Equity Rates

Term APR* as low as
1-4 year fixed (1st lien position) 5.200%
1-4 year fixed (2nd lien position) 6.500%
5-7 year fixed (1st lien position) 5.500%
5-7 year fixed (2nd lien position) 6.500%
8-10 year fixed (1st lien position) 5.600%
8-10 year fixed (2nd lien position) 7.250%

Minimum $5,000; maximum $100,000. Up to 80% combines loan-to-value

 

IRA Certificates Rates

Type Dividend Rate APY* Minimum To Open
12 Month 1.70% 1.71% $1,000.00
18 Month 1.80% 1.81% $1,000.00
24 Month 1.90% 1.92% $1,000.00
30 Month 1.95% 1.97% $1,000.00
36 Month 2.00% 2.02% $1,000.00
48 Month 2.05% 2.07% $1,000.00
60 Month 2.15% 2.17% $1,000.00

* APY = Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Early withdrawal may result in penalties. All certificates automatically renew at maturity.

Money Market Accounts

Type Dividend Rate APY* Minimum To Open
Money Market Plus 1.75% 1.76% $2,500-$9,999
Money Market Plus 1.80% 1.81% $10,000-$24,999
Money Market Plus 1.90% 1.92% $25,000-$49,999
Money Market Plus 1.95% 1.97% $50,000-$99,999
Money Market Plus 2.00% 2.02% $100,000 or more

* APY = Annual Percentage Yield. Dividends compound and paid monthly. Rate is subject to change without notice. Some restrictions do apply.  Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate.

Mortgage Loans

For more rates and information, please contact a Financial Service Officer at (618) 254-0605.

New Used Auto Loan Rates

Year Term APR* as low as
2019-2025 Up to 66 months 5.49%
2019-2025 67-78 months 6.49%
2023-2025 only 79-84 months1 7.59%
2015-2018 Up to 66 months 6.74%
2015-2018 67-78 months 7.74%
2014 and older Up to 55 months 9.29%

* Annual Percentage Rate

1 79-84 months available on vehicles 2019 or newer. (Some restrictions may apply.)

 

RVs, Boats, Motorcycles Rates

Term APR* as low as
24 months 6.50%
36 months 6.50%
48 months 6.75%
60 months 7.00%
72 months 7.50%
84 months 8.50%

1 Maximum term on motorcycle loan is 72 months

Savings Accounts Rates

Type Dividend Rate APY* Minimum To Open
Savings 0.05% 0.05% $5.00
Special Savings 0.05% 0.05% No Minimum
Christmas Club 0.05% 0.05% No Minimum
Vacation Club 0.05% 0.05% No Minimum
IRA Savings 0.05% 0.05% No Minimum

* APY = Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Some restrictions do apply.

Share Certificates Rates

Type Dividend Rate APY* Minimum To Open
91 Day 0.05% 0.05% $2,500.00
6 Month 1.00% 1.00% $1,000.00
12 Month 1.70% 1.71% $1,000.00
18 Month 1.80% 1.81% $1,000.00
24 Month 1.90% 1.92% $1,000.00
30 Month 1.95% 1.97% $1,000.00
36 Month 2.00% 2.02% $1,000.00
48 Month 2.05% 2.07% $1,000.00
60 Month 2.15% 2.17% $1,000.00

* APY = Annual Percentage Yield.  Rates subject to change without notice. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.

Signature Line-of-Credit Rates

Term APR* as low as
Revolving 10.90%

Special Certificates Rates

Type Dividend Rate APY* Minimum To Open
15 Month Senior Saver ** 1.70% 1.71% $1,000.00
32 Month Step-Up *** 1.90% 1.92% $1,000.00

* APY = Annual Percentage Yield.  Rates subject to change without notice. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.

Stipulations: **60 or older only. No early withdrawal penalty if due to medical reasons. ***Can step-up rate once during term.