Rates

New and Used Vehicles

Vehicle AgeAvailable TermAPR* as low as:
2012 or newerUp to 63 months2.99%
2012 or newer75 months3.45%
2011 or olderUp to 63 months5.20%
2011 or older75 months5.70%

Disclosure

*84 month term available with certain restrictions

RV

Vehicle AgeAvailable TermAPR* as low as:
2011 or newerUp to 75 months3.20%
2010 or olderUp to 75 months5.45%
120 month term available for loan amount of at least $35,0006.75%
180 month term available for loan amount of at least $50,0007.75%

Disclosure

*84 month term available with certain restrictions

Personal Loans

TypeAvailable AmountTerms up to:APR* as low as:
Share Secured Personal Loanequal to amount in savings or shares up to $180,00060 months6.5%
Certificate Secured Personal LoanEqual to amount of CDs up to $180,000Equal to remaining term of certificate6.5%
Unsecured Personal Loanup to $48,00060 months10%
Prime Credit Line of Credit$5,000 to $48,000Open endedPrime + 1%
Overdraft Protection$500 to $2,500Open endedPrime + 6.5%

Mortgages

Home Loan TypeDescriptionAvailable Term Lengths
Fixed-rate mortgageLoan that provides a predictable payment schedule by maintaining the same rate for the life of the loan.30, 25, 20, 15, and 10 year
Adjustable rate mortgageLoan that starts with a fixed rate for an initial term, then changes to an adjustable rate.3/1, 5/1, 7/1
VA mortgageFixed-rate loan up to 100% financing for qualified veterans, with little or no down payment and no monthly mortgage insurance.30 and 15 year
FHA mortgageGovernment-insured fixed rate loan with low down payment and low interest rate.  30 and 15 year
USDA mortgageMortgage program from the U.S. Department of Agriculture; loans with low interest rates and no down payment.30 year
Jumbo mortgageLoan for amounts greater than $417,000. Minimum 25% down payment with 720 credit score30, 25, 15 and 10
5/1, 7/1 and 10/1

HELOC

Loan to Value (LTV) RatioAPR as low as:Advances availableRepayment Term
80% LTV5.75%First 10 years20 years
90% LTV5.75%First 10 years20 years
100% LTV8.25%First 5 years10 years

Checking Accounts

Account TypeMinimum BalanceAPY*Dividend RateDividend Policy Calculated/CompoundedMonthly Service Fee
Illini PLUS Checking• $100 initial deposit to open
• No minimum balance
0.05%0.05%Daily/Monthly$6 monthly fee
Loyalty Checking• $100 initial deposit to open
• No minimum balance
N/A

or

0.05% with one of the criteria met and 4 qualifying products/services*
N/A

or

0.05% with one of the criteria met and 4 qualifying products/services*
Daily/Monthly$6 monthly fee & $5 annual debit card fee

or

Waived with one of the criteria met*
iChecking• $100 initial deposit to open
• No minimum balance
N/AN/AN/A• None
• Pre-packaged qualifying products

*Criteria includes direct deposit of $500+, 6 electronic withdrawals (debit, ATM, ACH, online banking, bill pay) from this Loyalty Checking account, monthly average balance of $500+ for this Loyalty Checking account. Qualifying products/services include 10+ years membership, Investments Retirement and Trust Services, consumer loans and VISA, aggregate deposits greater than or equal to $5,000, bill pay (iPay) active within prior 90 days

Savings

Account TypeMinimum Opening DepositMinimum BalanceAPY*
Share Savings$5$50.05%
IRA Share SavingsNoneNone0.05%
Holiday ClubNoneNone0.05%
Vacation ClubNoneNone0.05%

Share Certificate

Term lengthMinimum DepositAPYDividend RateEarly withdrawal penalty
90 days$10000.15%0.15%90 day dividend
6 months$10000.20%0.20%90 day dividend
1 year$5000.25%0.25%180 day dividend
2 years$5000.50%0.50%180 day dividend
3 years$5000.75%0.75%180 day dividend
4 years$5001.00%1.00%180 day dividend
5 years$5001.25%1.24%180 day dividend

IRA and Coverdell Education Savings Certificates

Term LengthMinimum Deposit for IRAMinimum Deposit for ESAAPYDividend RateEarly Withdrawal Penalty
1 Year$1000$5000.25%0.25%180 Day Dividend
2 Years$1000$5000.50%0.50%180 Day Dividend
3 Years$1000$5000.75%0.75%180 Day Dividend
4 Years$1000$5001.00%1.00%180 Day Dividend
5 Years$1000$5001.25%1.24%180 Day Dividend

Illini Draft Money Market

BalanceAPYDividend Rate
$0 - $2,499.000.05%0.05%
$2,500 - $24,999.990.15%0.15%
$25,000 and up0.25%0.25%

Jumbo Money Market

BalanceAPYDividend Rate
$0 - $49,999.990.05%0.05%
$50,000 and up*1.50%1.49%

Limit 6 withdrawals and transfers per month. *Higher rate paid only on the portion of the balance above $50,000.