Flora Savings Bank: 128 West Second Street | Flora, Illinois 62839 | 618-662-2177
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Rates

                                                                         Effective as of February 3, 2016

 Deposit Rates

                                              Min. Balance     Min. Balance        APY*       Interest

                                              Required to       Required to                            Rate

                                              Open Account   Obtain APY*

 

91 Day CD

$1,000.00

$1,000.00

0.30%

0.30%

6 Mo. CD

$1,000.00

$1,000.00

0.40%

0.40%

12 Mo. CD

$1,000.00

$1,000.00

0.55%

0.55%

18 Mo. CD

$1,000.00

$1,000.00

0.65%

0.65%

30 Mo. CD

$1,000.00

$1,000.00

0.85%

0.85%

48 Mo. CD

$1,000.00

$1,000.00

1.26%

1.25%

60 Mo. CD

$1,000.00

$1,000.00

1.51%

1.50%

Reg. Checking

$200.00

N/A

N/A

N/A

Now Account**

$300.00

$.01

0.20%

0.20%

Money Market**

$2,500.00

$2,500.00

0.20%

0.20%

Passbook Savings**

$10.00

$.01

0.20%

0.20%

Christmas Club**

$1.00

$.01

0.20%

0.20%

 

APY* - Annual Percentage Yield

**Variable Rate Accounts: Now Account, Money Market, Passbook Savings, and Christmas Club Accounts. Rates may change after account is opened. Interest is paid on any balance in account. Fees may reduce earnings.

IRA Accounts are offered for Passbook, 18 Mo., 30 Mo., 48 Mo., and 60 Mo. Certificates. A minimum deposit of $100.00 is required to open an IRA Plan and can be used to open any one of these accounts within the Plan. The Rates paid on these IRA Accounts are .25% higher than quoted above for accounts of the same term.

For Certificates, a penalty may be imposed for early withdrawal.

Auto Loan Rates

Call a Loan Officer at 618-662-2177 to inquire about current interest rates on Auto Loans. Rates may vary and will be based on a review of your credit application. Apply now!

Residential Real Estate Loan Rates

Flora Savings Bank offers Residential Real Estate Loans. (certain terms and restrictions apply).

For more information on Interest Rates and Terms, please contact the Loan Department at 618-662-2177.

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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit
www.fdic.gov/deposit/deposits/unlimited/expiration.html.