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Grow your money with guaranteed earnings

July 31st, 2023

Have money sitting in a saving or checking account at another financial institution that’s paying you next-to-nothing interest, or have a CD maturing elsewhere that you could earn a better rate on if you moved it?

This month we’re paying 4.80% APY* on a 14-month term!

To open one, simply deposit $1,000 or more. The maximum amount is $50,000. This hard-to-beat offer is fora limited time only.

Spread the word to your family members and friends about our special offer this month and great rates we have on other CD terms and money market accounts (MMAs) listed further below. Teens can earn 5.09% APY on a 6-month CD term (balances up to $1,000).

A safe investment

As with all deposit accounts we offer, your funds in a CD are federally insured to at least $250,000 by NCUA, a U.S. government agency.

Act now

To open a CD, visit our Lemay or Arnold branch between 9 a.m.-5:30 p.m. Monday through Thursday, 9-6 on Friday, or 9 to noon on Saturday.

Can’t make it to an office? Give us a call during normal business hours at 636.464.5037 to open a CD.

Above-market rates on other CD terms

Other options are available through us.

  • Terms as short as 6 months to as long as 60 months
  • Rate guaranteed for the full length of whatever term you choose, including our 14-month special
CD TermAPY/Dividend Rate
6 months2.75% / 2.72%
12 months3.75% / 3.70%
24 months3.30% / 3.26%
36 months3.30% / 3.26%
48 months3.35% / 3.31%
60 months3.45% / 3.41%

APY/Dividend Rates cited include .10% bonus for having a checking account with us or if you are age 55 or older

Don’t want to park your money in a set term?
Consider a money market account (MMA)

The greater your MMA balance is, the higher rate you’ll receive, leading to more money in your pocket.

Our best deal is on our Prime Money Market Account, currently paying 4.33% APY when you use some of our other financial products.**

All of our other MMA options have just a balance requirement to get the corresponding rate. Details below.

No worries if your balance falls below $2,500 – you won’t be charged a monthly fee and will receive our regular savings rate in this case.

Money Market Account TypeAPY/Dividend Rate
$2,500 – $9,999.991.36% / 1.35%
$10,000 – $24,999.991.46% / 1/45%
$25,000 – $49,999.991.61% / 1.60%
$50,000 – $74,999.991.71% / 1.70%
$75,000 – $99,999.991.76% / 1.75%
$100,000+1.91% / 1.90%

*APY=Annual Percentage Yield. Rates and terms as of Aug. 1, 2023, and subject to change without notice. $1,000 minimum balance to open any CD. $50,000 maximum on 14-month term. A penalty fee may be imposed for early withdrawal, reducing earnings on the account.

**Money market account (MMA) rates are as of Aug. 1, 2023, and subject to change without notice. $2,500 minimum balance required to earn interest stated for the lowest tier. On Prime MMAs paying 4.33% APY, a $10,000 minimum average daily balance and eStatements are required, as well as a checking account, credit card (min. 3 transactions per month) and direct deposit relationship (min. $250 per month).