Current Rates
Federated Bank
107 N. Chestnut, P.O. Box B
Onarga, IL 60955
Current rates accurate as of 11/3/2025
/
Account Description
Minimum Balance*****
Term
Compound
Annual Interest Rate
Annual Percentage Yield**
Statement Savings*
$100.00
N/A
Quarterly
0.40%
0.40%
Youth Savings*
$25.00
N/A
Quarterly
0.40%
0.40%
Christmas Club*
$0.00
N/A
Quarterly
0.40%
0.40%
***Tiered-Rate NOW Account*
$750.00
N/A
—
—
—
$750.00 to
$10,000.00
Monthly
0.10%
0.10%
$10,000.01 to
$25,000.00
Monthly
0.20%
0.20%
$25,000.01 to
$200,000.00
Monthly
0.40%
0.40%
$200,000.01 to
$999,999.99
Monthly
1.00%
1.00%
***Tiered-Rate Money Market Account*
$750.00
N/A
—
—
—
$0.01 to
$2,500.00
None
0.00%
0.00%
$2500.01 to
$10,000.00
Monthly
0.20%
0.20%
$10,000.01 to
$25,000.00
Monthly
0.40%
0.40%
$25,000.01 to
$100,000.00
Monthly
0.60%
0.60%
$100,000.01 to
$99,999,999.99
Monthly
1.00%
1.00%
91 Day Certificate
$1,000.00
91 Day
None
2.50%
2.52%
182 Day Certificate
$1,000.00
182 Day
Quarterly
2.60%
2.63%
1 Year Certificate
$1,000.00
1 Year
Quarterly
2.80%
2.83%
18 Month Certificate
$1,000.00
18 Months
Quarterly
2.65%
2.68%
24 Month Certificate
$1,000.00
24 Months
Quarterly
2.55%
2.57%
36 Month Certificate
$1,000.00
36 Months
Quarterly
2.25%
2.27%
48 Month Certificate
$1,000.00
48 Months
Quarterly
2.10%
2.12%
60 Month Certificate
$1,000.00
60 Months
Quarterly
2.00%
2.02%
IRA 30 Month Variable Certificate
$100.00
30 Months
Quarterly
2.75%
2.78%
ROTH IRA 1 Year Certificate
$100.00
12 Months
Quarterly
2.80%
2.83%
***Tiered-Rate HSA*
$0.00
N/A
—
—
—
$0.00 to
$999.99
Quarterly
0.040%
0.04%
$1,000.00 to
$4,999.99
Quarterly
0.30%
0.30%
$5,000.00 to
$99,999,999.99
Quarterly
0.30%
0.30%
**** 5 MONTH CERTIFICATE
$5,000.00
5 Months
Quarterly
3.940%
4.00%
*** 11 Month Certificate
$5,000.00
11 Months
Quarterly
3.700%
3.75%
* The interest rate shown may change after the account is opened.
** The annual percentage yield (APY) assumes the principal and its interest will remain on deposit for a full year at the listed rate or until maturity. Withdrawals, fees and other conditions could reduce earnings.
*** One interest rate is paid on the full balance of the account.
No broker deposits.
**** 5 month CD renews at 6 month term.
**** 11 month CD renews at 12 month term.
**** CD Specials require a minimum depoosit of $5,000.00.
***** Minimum balance to open account and to maintain the APY.
CD accounts shown may require a minimum daily balance and/or impose a substantial penalty for early withdrawal.
Please refer to the attached information or contact your customer service representative at 815-268-7226 for more information about these accounts.