Skip to Content
find a location link toll free phone number link
toll free phone number link
customer service: 815.632.4490
Personal Banking Link

personal

Commercial Banking Link

commercial

Agricultural Banking Login

agricultural

Investment and Trust Services Link

investments

Savings/CD/IRA CD

Savings Overview

 PERSONALPREFERREDCHILDREN'SHOLIDAY
Minimum to Open$50$2,500$5$5
Minimum Balance Required$200$1,000
Online Bankingincludedincludedincludedincluded
E-Statements includedincludedincludedincluded
Unlimited Withdrawals ATM and in-person activityincludedincludedincluded
6 Preauthorized Withdrawals (Bill pay, phone transfers, etc. *)includedincludedincluded
October Pay Outincluded
**Earns Interest YesFour-tier rate structure, higher balances earn higher interest ratesincludedincluded
ATM/ Debit Card
(Locations)
Yes, with a qualified checking accountYes, with a qualified checking account
Fee$2 if balance falls below $200 on any day of the quarter$5 if balance falls below $1,000 on any day of the month

* Please see a Universal Banker for more details.
** Refer to current deposit rate sheet for rate.

CD Overview

A Certificate of Deposit at Sauk Valley Bank is the answer to a safe and profitable way to invest your money. CD’s allow you to lock in a rate of return for the term of the CD.  We offer terms ranging from 14 days-60 months (we offer longer terms as well).  With CD’s your dollars are FDIC insured so you can have the peace of mind that your money is safe, and working for you.

Click here for our current CD Specials

IRA CD Overview

An IRA CD allows you to grow your retirement funds with a fixed-rate guarantee throughout the term of the CD, along with the tax advantages of an IRA*, and FDIC insurance.  We offer flexible terms, and opening deposit amounts, so your retirement savings works for you.

*For tax-related questions, please discuss with your tax advisor.  Early withdrawal fees may apply, with exceptions for age and certain other conditions.  All withdrawals are subject to IRA tax regulations and penalties.

Click here to view our current CD rates.

For more information on FDIC insurance, check out the FDIC’s Electronic Deposit Insurance Estimator (EDIE).

manage accounts

tools and calculators

about us

need help?