Certificate of Deposit (CDs)

Rates effective:

Account Min to Open Interest Rate APY
91 Day Certificate $1,000.00 0.2% 0.2%
182 Day Certificate $1,000.00 0.25% 0.25%
12 Month Certificate $1,000.00 0.4% 0.4%
18 Month Certificate $1,000.00 0.6% 0.6%
30 Month Certificate $1,000.00 0.95% 0.95%
36 To 72 Month CD $1,000.00 1.05% 1.06%

There are a number of reasons to open a Beardstown Savings CD

  • Interest rates - CDs typically pay higher interest rates than other deposit products.
  • Guaranteed rates – The fixed interest rate on a CD is set at account opening and does not change until the CD matures.
  • Security - Your funds are FDIC-insured up to the maximum applicable limits.

A penalty may be imposed for withdrawals before maturity.
Please contact an employee of Beardstown Savings concerning fees which may reduce yields and terms in regard to the above accounts or call (217)323-1400
APY = Annual Percentage Yield
Annual percentage yield means a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.