Individual Retirement Accounts

This rate chart contains information about interest rates and annual percentage yields for some of the accounts we offer. For current rate information call 309.362.2139.

Interest Rates and Annual Percentage Yields are current as of April 16, 2014.

Product Name Min. Opening Balance Min. Balance to Obtain APY* APY* Interest Rate
6-Month Fixed Rate IRA (c)$2,000.00 $2,000.00   
Daily Balances(1)(b) from -    
$2,000.00 to < $100,000.00: (c) 0.20% 0.20%
 
12-Month Fixed Rate IRA (c)$2,000.00 $2,000.00   
Daily Balances(1)(b) from -    
$2,000.00 to < $100,000.00: (c) 0.30% 0.30%
 
18-Month Fixed Rate IRA (c)$2,500.00 $2,500.00   
Daily Balances(1)(b) from -    
$2,500.00 to < $100,000.00: (c) 0.40% 0.40%
 
24-Month Fixed Rate IRA (c)$2,500.00 $2,500.00   
Daily Balances(1)(b) from -    
$2,500.00 to < $100,000.00: (c) 0.50% 0.50%
 
36-Month Fixed Rate IRA (c)$5,000.00 $5,000.00   
Daily Balances(1)(b) from -    
$5,000.00 to < $100,000.00: (c) 0.75% 0.75%
 
48-Month Fixed Rate IRA (c)$10,000.00 $10,000.00   
Daily Balances(1)(b) from -    
$10,000.00 to < $100,000.00: (c) 0.85% 0.85%
 
60-Month Fixed Rate IRA (c)$10,000.00 $10,000.00   
Daily Balances(1)(b) from -    
$10,000.00 to < $100,000.00: (c) 1.20% 1.19%
 
*(APY) - Annual Percentage Yield
Fees could reduce the earnings on the account.

(1) For rates on deposits of $100,000 or more, please call or visit one of our six convenient branch locations.
(a) The interest rate and annual percentage yield (APY) may change after account opening.
(b) Daily balance. The amount of the principal in the account each day.
(c) A penalty may be imposed for early withdrawal.

Copyright ©2014
Heritage Bank of Central Illinois