The More Things Change, The More They Remain The Same. Mr. X HISTORY REPEATS ITSELF Mr. Y Once again, we are hiring more outstanding local bankers. So why are we calling them Mr. X and Mr. Y? It's because we previously used Mr. or Ms. X, Y, Z, A, B and other letters with previous hires. We dont know where we left off so we are starting with Mr. X and Mr. Y again. It's easier that way. So what about Mr. X and Mr. Y? They are two well known local bankers that will be transitioning to us in the near future. Their story is the same as many of the other bankers that we have hired. They worked for a community bank that was taken over by a big bank. They were told that nothing will change. Then things changed. They couldn't take care of their customers in the way that they had been. They wanted to offer personalized service and they couldnt. They needed to call someone that they ve never met a long distance away to get permission to do most anything that they could previously have done on their own. They couldn t even go out and buy a package of toilet paper rolls for use at their bank. It needed to be requisitioned through Central Purchasing. They are coming to First Secure because they can offer the personalized service to their customers the way that they would like to. And, they can buy toilet paper and the bank will reimburse them. It seems like all of the bankers in this vicinity fall into one of three categories: 1) Bankers that currently work for First Secure Bank. 2) Bankers that work for other banks that would like to work for First Secure Bank 3) (Former) Bankers currently inhabiting Woodlawn, Elmhurst, Hills of Rest or other such venues. If you are reading this, it is a fair statement to say that you are not inhabiting Woodlawn, Elmhurst or Hills of Rest. So then, what kind of bank do you want to do business with? A big bank where you are a number or a bank that looks at you as a real person. A bank owned by who knows who residing in who knows where or a bank that is locally owned and managed. Personal service is why we have been so successful. So why not do your banking at a bank where you will actually be appreciated. And in a short time, Mr. X and Mr. Y will be here to greet you. 4.75% 9 Month CD 4.60% 13 Month CD 4.50% 23 Month CD 4.30% 33 Month CD $1000 minimum to open. Call for rates on shorter term CDs. FIRST SECURE COMMUNITY BANK OF JOLIET We're not just your bank, we're your neighbor! Joliets Locally-Owned and Locally-Managed Billion Dollar Community Bank 2398 Essington Rd (Corner of Essington and Caton Farm Rd) (815) 230-8000 Visit 1stsecurebank.com FDIC EQUAL HOUSING LENDER 2.24% SAVINGS ACCOUNT RATE GUARANTEED NOT TO CHANGE FOR ALL OF 2024. $100 minimum. No maximum. *Annual Percentage Yield (APY) effective as of 06/06/24. APY and terms are subject to change at any time and without notice. Minimum balance to open and receive stated APY is $1,000. Substantial penalty for early withdrawal. An early withdrawal penalty may reduce earnings. CDs will rollover at maturity to the then current rate, if not redeemed at maturity, as follows: the 9 month CD will rollover to a 6 month CD and the 13-month CD will rollover to a 12 month CD and the 23 month CD will rollover to a 24 month CD and the 33 month CD will rollover to a 36 month CD. Open to individuals and select business types (see a Banker for details). IRAs are eligible. "Annual Percentage Yield (APY) effective as of 1/1/24. Minimum Balance to open is $100.00. Fees may reduce eamings. Rate will not decrease through 12/31/24. After guaranteed date the rate will be a variable rate and is subject to change at any time and without notice. The More Things Change , The More They Remain The Same . Mr. X HISTORY REPEATS ITSELF Mr. Y Once again , we are hiring more outstanding local bankers . So why are we calling them Mr. X and Mr. Y ? It's because we previously used Mr. or Ms. X , Y , Z , A , B and other letters with previous hires . We dont know where we left off so we are starting with Mr. X and Mr. Y again . It's easier that way . So what about Mr. X and Mr. Y ? They are two well known local bankers that will be transitioning to us in the near future . Their story is the same as many of the other bankers that we have hired . They worked for a community bank that was taken over by a big bank . They were told that nothing will change . Then things changed . They couldn't take care of their customers in the way that they had been . They wanted to offer personalized service and they couldnt . They needed to call someone that they ve never met a long distance away to get permission to do most anything that they could previously have done on their own . They couldn t even go out and buy a package of toilet paper rolls for use at their bank . It needed to be requisitioned through Central Purchasing . They are coming to First Secure because they can offer the personalized service to their customers the way that they would like to . And , they can buy toilet paper and the bank will reimburse them . It seems like all of the bankers in this vicinity fall into one of three categories : 1 ) Bankers that currently work for First Secure Bank . 2 ) Bankers that work for other banks that would like to work for First Secure Bank 3 ) ( Former ) Bankers currently inhabiting Woodlawn , Elmhurst , Hills of Rest or other such venues . If you are reading this , it is a fair statement to say that you are not inhabiting Woodlawn , Elmhurst or Hills of Rest . So then , what kind of bank do you want to do business with ? A big bank where you are a number or a bank that looks at you as a real person . A bank owned by who knows who residing in who knows where or a bank that is locally owned and managed . Personal service is why we have been so successful . So why not do your banking at a bank where you will actually be appreciated . And in a short time , Mr. X and Mr. Y will be here to greet you . 4.75 % 9 Month CD 4.60 % 13 Month CD 4.50 % 23 Month CD 4.30 % 33 Month CD $ 1000 minimum to open . Call for rates on shorter term CDs . FIRST SECURE COMMUNITY BANK OF JOLIET We're not just your bank , we're your neighbor ! Joliets Locally - Owned and Locally - Managed Billion Dollar Community Bank 2398 Essington Rd ( Corner of Essington and Caton Farm Rd ) ( 815 ) 230-8000 Visit 1stsecurebank.com FDIC EQUAL HOUSING LENDER 2.24 % SAVINGS ACCOUNT RATE GUARANTEED NOT TO CHANGE FOR ALL OF 2024 . $ 100 minimum . No maximum . * Annual Percentage Yield ( APY ) effective as of 06/06/24 . APY and terms are subject to change at any time and without notice . Minimum balance to open and receive stated APY is $ 1,000 . Substantial penalty for early withdrawal . An early withdrawal penalty may reduce earnings . CDs will rollover at maturity to the then current rate , if not redeemed at maturity , as follows : the 9 month CD will rollover to a 6 month CD and the 13 - month CD will rollover to a 12 month CD and the 23 month CD will rollover to a 24 month CD and the 33 month CD will rollover to a 36 month CD . Open to individuals and select business types ( see a Banker for details ) . IRAs are eligible . " Annual Percentage Yield ( APY ) effective as of 1/1/24 . Minimum Balance to open is $ 100.00 . Fees may reduce eamings . Rate will not decrease through 12/31/24 . After guaranteed date the rate will be a variable rate and is subject to change at any time and without notice .