Digital Market

Effective Date: 12/18/2024

Certificates of Deposit / Individual Retirement Account CDs

CD products are listed by product, interest rate, and annual percent yield.
PRODUCT	MINIMUM OPENING DEPOSIT CDs/ IRA CDs	INTEREST RATE	APY
36 Month CD	$1,000 / $500.00	0.05%	0.05%
24 Month CD	$1,000 / $500.00	0.05%	0.05%
18 Month CD	$1,000 / $500.00	0.05%	0.05%
12 Month CD	$1,000 / $500.00	0.05%	0.05%
6 Month CD	$1,000 / $500.00	0.05%	0.05%

Certificates of Deposit / Individual Retirement Account CD Rate Specials

CD products are listed by product, interest rate, and annual percent yield.
PRODUCT	INTEREST RATE	APY
7 Month CD	3.97%	4.00%
7 Month CD with Checking¹	4.21%	4.25%
11 Month CD	3.50%	3.50%

* Minimum Certificate of Deposit (CD) balance to open and obtain Annual Percentage Yield (APY) is $1,000. Rates subject to change at any time. Fees could reduce the earnings on the account. Penalty for early withdrawal. Individual Retirement Account (IRA) CDs are eligible to receive these promotional rates. Not for public entities and/or brokered accounts.

¹Special or promotional offer is subject to change at any time. The primary or joint owner on the time deposit must be the primary or joint owner on an open Busey Bank checking account in good standing, by having a positive balance, when opening the time deposit, in order to be eligible to earn the highest stated rate.

Early Withdrawal Penalty:

If the term of the CD is 12 months or less, the early withdrawal penalty is 6 months of interest, but not more than the total amount of interest earned during the current term of the CD

If the term of the CD is greater than 12 months, the early withdrawal penalty is 12 months of interest, but not more than the total amount of interest earned during the current term of the CD

Transferring of interest and partial withdrawals requested outside of the grace period may not be allowed.

Premium Savings Account

Premium Savings products are listed by term length and indicate minimum opening deposit amount, interest rate, and annual percent yield.
PRODUCT	INTEREST RATE	APY
$5MM and over	3.99%	4.05%
$1MM - $4,999,999.99	3.99%	4.05%
$500,000 - $999,999.99	3.99%	4.05%
$250,000 - $499,999.99	3.99%	4.05%
$100,000 - $249,999.99	3.99%	4.05%
$25,000 - $99,999.99	3.26%	3.30%
$0 - $24,999.99	0.05%	0.05%

All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Rates may change after the account is opened. Minimum deposit to open the account is $25,000 in new funds or from a Busey Bank matured CD. New funds must originate from a financial institution other than Busey Bank. This is a tiered rate account, minimum balance of $100,000 is required to obtain the premium APY offered. Fees may reduce earnings. No fee for electronic statements; or $4.00 paper statement fee is charged per statement cycle. Ask your local Busey Bank associate for details, terms and current rates.

Savings Accounts

Savings products are listed by term length and indicate minimum opening deposit amount, interest rate, and annual percent yield.
PRODUCT	MINIMUM OPENING DEPOSIT	INTEREST RATE	APY
Everyday Savings	$100.00	0.01%	0.01%
Minor Savings	$25.00	0.01%	0.01%
Bridge Savings	$25.00	0.01%	0.01%

All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings on the account. No minimum balance required to earn APY. The rate may change after the account is opened.

Pillar Banking Account

Pillar Banking products are listed by Balance Tiers, indicate minimum opening deposit amount, interest rate, and annual percent yield.
BALANCE TIERS	MINIMUM OPENING DEPOSIT	INTEREST RATE	APY
$20,000 and over	$100.00	0.01%	0.01%
$3,000 - $19,999.99	$100.00	0.01%	0.01%
$2999.99 and below	$100.00	0.00%	0.00%

All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings on the account. The rate may change after the account is opened.

Money Market Account

Money Market products are listed by product, indicate minimum opening deposit amount, interest rate, and annual percent yield.
PRODUCT	MINIMUM OPENING DEPOSIT	INTEREST RATE	APY
Pillar Money Market $50,000 and over**	$100.00	0.01%	0.01%
Pillar Money Market $15,000 to $49,999.99**	$100.00	0.01%	0.01%
Pillar Money Market $2,500 to $14,999.99**	$100.00	0.01%	0.01%
Pillar Money Market $2,499.99 and below**	$100.00	0.00%	0.00%

**The Pillar Money Market is available only to Pillar account holders.1↩2↩3↩4↩