Checking - Cicero, Berwyn, La Grange Park, Illinois | Central Federal Savings and Loan Association

Personal Checking Accounts

Totally Free Checking

Your money remains your money with a Central Federal Totally Free Checking Account. Write unlimited numbers of checks, make deposits, and use your debit card online, in-stores, or at Central Federal ATMs, without paying a fee.

Min. Opening Deposit	Minimum Balance	Service Charge	Per Check Charge	Interest Earning	ATM Debit VISA	Free 1st Order of Checks
$50	No	No	No	No	Yes	No

Basic Checking with Interest

If you are looking for an account that pays some interest, but still offers all the bells and whistles, this is the account for you. Just keep the balance over $200 and you will avoid a $10 monthly service fee. Current rates.

Min. Opening Deposit	Minimum Balance	Service Charge	Per Check Charge	Interest Earning	ATM Debit VISA	Free 1st Order of Checks
$200	$200 to earn interest	$10 Monthly if Balance falls below $200	No	Yes	Yes	No

Super Checking with Interest

Prefer to keep a larger balance? This is the account for you. Unlimited access to your cash, competitive interest rates, unlimited checks, and a free VISA® Debit Card are just some of the advantages. Just keep $2,500 in the account to avoid the $10 monthly service fee. Current rates.

Min. Opening Deposit	Minimum Balance	Service Charge	Per Check Charge	Interest Earning	ATM Debit VISA	Free 1st Order of Checks
$2,500	$2,500 to earn interest	$10 Monthly if Balance falls below $2,500	No	Yes	Yes	No

Preferred Checking with Interest

The more you save, the more you earn. With this tiered checking account, you get all of the features of our other checking account with a higher interest rate. Plus, with a minimum opening balance of $5,000, we will throw in your first check order for free! Just keep your balance over $5,000 to avoid the $10 monthly service fee. Current rates.

Min. Opening Deposit	Minimum Balance	Service Charge	Per Check Charge	Interest Earning	ATM Debit VISA	Free 1st Order of Checks
$5,000	$5,000 to earn interest	$10 Monthly if Balance falls below $5,000	No	Yes	Yes	Yes

Business Checking Accounts

All growing businesses need a checking account that can grow with them. Whether large or small, Central Federal offers a cost-effective way to manage cash flow and keep fees and costs in line.

Totally Free Business Checking

Our Totally Free Business Checking Account is designed with the sole proprietor or S-Corp in mind. We understand the importance of business owners cutting expenses, which is why Central Federal’s Totally Free Business Checking eliminates the monthly maintenance fee and gives you 150 free transactions per calendar month.

Min. Opening Deposit	Minimum Balance	Maintenance Fee	Monthly Statement	Monthly Check Images	ATM Debit VISA	Transaction Fee	Earnings Credit
$50	No	No	Yes	Yes	Yes	$0.50 per transaction in excess of 150 per month	No

Advantage Business Checking

Growing businesses need a checking account that can grow with them, not an account with outrageous fees that eat into hard-earned profits. With our Central Federal Advantage Business Checking account, you get just that. It has a low monthly maintenance fee with some of the lowest transaction fees in the industry. Coupled with a great Monthly Earnings Credit, our Advantage Business Checking account will put profits back where they belong, in your pocket.

Min. Opening Deposit	Minimum Balance	Maintenance Fee	Monthly Statement	Monthly Check Images	ATM Debit VISA	Transaction Fee	Earnings Credit
$100	No	$10 per month	Yes	Yes	Yes	$0.10 per transaction	1.00%

Money Market Accounts

Make your money work for you with one of our Money Market Accounts. These accounts offer a higher return on your money than savings accounts without losing the liquidity you want. Whether you choose our Gold Account with a $2,500 minimum to open or our Platinum with a $10,000 minimum, you enjoy availability, flexibility and safety. You can make up to six pre-authorized withdrawals during each monthly statement period and have unlimited withdrawals at one of our teller stations. Current rates.

Better rates than regular Savings
Tiered rate structure
Free monthly statements mailed directly to you
Six pre-authorized withdrawals per month
Free online banking

*The Money Market Account is a variable rate account and the interest rate paid may change from time to time. Fees may reduce earnings.

	Min. Opening Deposit	Minimum Balance	Service Charge	Transfers Per Cycle	Interest Earning	ATM Debit VISA	Free 1st Order of Checks
Gold Money Market	$2,500	$2,500 to earn interest	$10 monthly if balance falls below $2,500	6, with $10 charge per transfer thereafter	Yes, rates may change daily	No	Yes
Platinum Money Market	$10,000	$10,000 to earn interest	$10 monthly if balance falls below $2,500	6, with $10 charge per transfer thereafter	Yes, rates may change daily	No	Yes
PREMIER HIGH YIELD MONEY MARKET
Premier High Yield Money Market	$50,000 $100,000	$50,000 up to $99,999 $100,000 and greater	$10.00 if account is below $2,500	6, with $10 charge per transfer thereafter	Yes, rates may change daily	No No	Yes Yes

TAKING THE GUESS WORK OUT OF BANKING

Want your money to work harder? We have many accounts that earn interest, yet have the features you expect.