Personal Savings Accounts | Banking Services in Brocton, Ashmore & Gilman IL

SAVING IS KEY TO FINANCIAL HEALTH.

Because no two customers are alike, Prospect Bank offers a variety of personal savings accounts to suit every financial need or savings goal.
Whether you’re saving towards a goal like a new car or a home remodel, or you’re building a nest egg or an emergency fund, our personal savings accounts will help you achieve your goals.

We know everyone’s needs are different, so we’ll work with you to help pick the account type that suits yours.

You can open your savings account online. We explain how on our YouTube Channel.

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Savings Accounts

Prospect Daydreamer

A savings account for anyone looking to save for the future or emergency expenses

$50 opening deposit required
$5 monthly service charge if average balance falls below $50
$2 paper statement fee (waived if eStatements or statement is combined with another paper statement)
$3 fee per withdrawal over 4 per month (withdrawals include but are not limited to ACH, in person, or online)

TIERS

Earn interest quarterly on entire balance at tiered rates
- $0.01 to $4,999.99
- $5,000.00 and over

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Prospect Apprentice

A savings account for kids up to the age of 18

Parent or guardian must have a deposit account with the bank and be a signer on the child’s account
No minimum opening deposit amount required
No minimum average balance required
$3 fee per withdrawal over 4 per month (withdrawals include but are not limited to ACH, in person, or online)

TIERS

Earn interest quarterly on entire balance at tiered rates
- $0.01 to $4,999.99
- $5,000.00 and over

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Club Accounts

Vacation Club

A savings account designed to save money for your next dream vacation

$1 opening deposit required
No minimum average monthly balance required
Interest earned on entire account balance credited at end of club period
Regular monthly deposits must be made through Automated Funds Transfers up to $1,000 per month
$20 early close fee if funds are withdrawn prior to end of club period (generally April 15^th)

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Christmas Club

A savings account designed to save money for Christmas

$1 opening deposit required
No minimum average monthly balance required
Interest earned on entire account balance credited at end of club period
Regular monthly deposits must be made through Automated Funds Transfers up to $1,000 per month
$20 early close fee if funds are withdrawn prior to end of club period (generally October 15^th)

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Money Market Accounts

Prospect Money Market

$10,000.00 minimum opening balance
$10,000.00 minimum to avoid service charge

*Interest rate and annual percentage yield (APY) depend on the applicable rate tier. The rate, APY, and tiers may change without notice. Fees could reduce the earnings on the account.

TIERS

Earn interest on entire balance at tiered rates
- $0.01 to $49,999.99
- $50,000.00 to $99,999.99
- $100,000.00 to $199,999.99
- $200,000.00 and over

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