Personal Banking Deposit Rates

Use the links below to browse our rates and Annual Percentage Yields (APYs).

Looking for our loan rates? Click here. 

Certificates of Deposit Relationship Rates

Certificates of Deposit Standard Rates

Effective December 5, 2018 

Balance2 

$1,000

$25,000

$50,000

$100,000

Term (mos.) 

Rate 

APY3 

Rate 

APY3 

Rate 

APY3 

Rate 

APY3 

3 

6 

9 

12 

18 

24 

36 

48 

60 

Open 

Open 

Open 

Open 

Open 

Open 

Open 

Open 

Open 

0.05

0.08

0.10

0.15

0.20

0.34

0.48

0.58

0.76

0.05

0.08

0.10

0.15

0.20

0.34

0.48

0.58

0.76

0.07

0.10

0.12

0.17

0.22

0.36

0.50

0.60

0.78

0.07

0.10

0.12

0.17

0.22

0.36

0.50

0.60

0.78

0.09

0.12

0.14

0.19

0.24

0.38

0.52

0.62

0.80

0.09

0.12

0.14

0.19

0.24

0.38

0.52

0.62

0.80

0.11

0.14

0.16

0.21

0.26

0.40

0.54

0.64

0.82

0.11

0.14

0.16

0.21

0.26

0.40

0.54

0.64

0.82

1 For Retail Clients only with Midwest Checking or grandfathered Club, Club 50, Choice, Prime Banking, Direct Pay, Direct Pay Plus, Total Advantage, or Premier Performance – contact a First Midwest Banker to discuss rate enhancements. 

2 Online account opening is available to residents of Illinois, Indiana, Iowa and Wisconsin. $1,000 minimum deposit required to open an account. Penalty may be imposed for early withdrawal. Fees may reduce account earnings. 

3 APY assumes monthly compounding. 

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Individual Retirement Account Relationship Rates

Individual Retirement Account Standard Rates

Effective December 5, 2018 

Balance2 

$500

$25,000

$50,000

$100,000

Term (mos.) 

Rate 

APY3 

Rate 

APY3 

Rate 

APY3 

Rate 

APY3 

6 

9 

12 

18 

24 

36 

48 

60 

0.08

0.10 

0.15

0.20

0.30

0.40

0.50

0.76

0.08

0.10

0.15

0.20

0.30

0.40

0.50

0.76

0.10

0.12

0.17

0.22

0.32

0.42

0.52

0.78

0.10

0.12

0.17

0.22

0.32

0.42

0.52

0.78

0.12

0.14

0.19

0.24

0.34

0.44

0.54

0.80

0.12

0.14

0.19

0.24

0.34

0.44

0.54

0.80

0.14

0.16

0.21

0.26

0.36

0.46

0.56

0.82

0.14

0.16

0.21

0.26

0.36

0.46

0.56

0.82

Call 800.241.1749 or visit your nearest branch to open a new IRA.

1 For Retail Clients only with Midwest Checking or grandfathered Club, Club 50, Choice, Prime Banking, Direct Pay, Direct Pay Plus, Total Advantage, or Premier Performance – contact a First Midwest Banker to discuss rate enhancements. 

2 $500 minimum deposit required to open account. Penalty may be imposed for early withdrawal. APYs assume quarterly compounding. Fees may reduce account earnings. 

3 APY assumes quarterly compounding. 

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Savings Account Rates

Effective December 5, 2018 

Balance1 

Diamond Savings 

Investor Reserve Savings 

Statement Savings 

Health Savings Account (HSA) 

 

>$0

$500

$1,000

$2,500

$10,000

$25,000

$50,000

$100,000

$250,000

Rate 

0.03

0.03

0.03

0.05

0.05

0.08

0.10

0.15

0.15

APY 

0.03

0.03

0.03

0.05

0.05

0.08

0.10

0.15

0.15

Rate 

0.03

0.03

0.03

0.04

0.04

0.06

0.08

0.13

0.13

APY 

0.03

0.03

0.03

0.04

0.04

0.06

0.08

0.13

0.13

Rate 

0.02

0.02

0.02

0.02

0.02

0.02

0.02

0.02

0.02

APY 

0.02

0.02

0.02

0.02

0.02

0.02

0.02

0.02

0.02

Rate 

0.01

0.08

0.20

0.35

0.55

0.55

0.55

0.55

0.55

APY 

0.01

0.08

0.20

0.35

0.55

0.55

0.55

0.55

0.55

 

Open 

Open 

Open 

Open 

1 Online account opening is available to residents of Illinois, Indiana, Iowa and Wisconsin. $100 minimum deposit required to open an account. Rates are variable and can change after the account is opened. APYs assume monthly compounding. Fees may reduce account earnings. 

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Money Market Account Rates

Effective December 5, 2018 

Balance1 

Diamond Money Market 

Premier Money Market 

Money Market 

IRA Money Market 

 

>$0

$1,000

$2,500

$25,000

$50,000

$100,000

$250,000

Rate 

0.03

0.03

0.05

0.08

0.10

0.22

0.25

APY 

0.03

0.03

0.05

0.08

0.10

0.22

0.25

Rate 

0.03

0.03

0.04

0.05

0.06

0.08

0.08

APY 

0.03

0.03

0.04

0.05

0.06

0.08

0.08

Rate 

0.03

0.03

0.03

0.03

0.03

0.03

0.03

APY 

0.03

0.03

0.03

0.03

0.03

0.03

0.03

Rate 

0.00

0.05

0.05

0.10

0.15

0.15

0.15

APY 

0.00

0.05

0.05

0.10

0.15

0.15

0.15

 

Open 

Open 

Open 

Call
800.241.1749
to open

1 Online account opening is available to residents of Illinois, Indiana, Iowa and Wisconsin. $100 minimum deposit required to open an account. Rates are variable and can change after the account is opened. APYs assume monthly compounding. Fees may reduce account earnings. 

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Checking Account Rates

Effective December 5, 2018 

Balance1 

Diamond Checking 

Midwest Checking 

 

>$0

$10,000

$25,000

$50,000

$100,000

Rate 

0.01

0.03

0.05

0.06

0.08

APY 

0.01

0.03

0.05

0.06

0.08

Rate 

0.01

0.02

0.03

0.03

0.03

APY 

0.01

0.02

0.03

0.03

0.03

 

Open 

Open 

1 Online account opening is available to residents of Illinois, Indiana, Iowa and Wisconsin. $100 minimum deposit required to open an account. Rates are variable and can change after the account is opened. APYs assume monthly compounding. Fees may reduce account earnings. 

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