Rateboard

Checking	A.P.Y	Interest Rate
SmartPoint Checking* Balances between $.01-$20,000 Balances over $20,000 To earn interest you must keep a minimum daily balance of $1,500	1.00% .05%	1.00% .05%
Money Market Checking* $0-$9,999 $10,000-$49,999 $50,000 and above	.05% .15% .25%	.05% .15% .25%
1893 Savings Account*	.05%	.05%
Junior Savings Account*	.05%	.05%
HSA (Heath Savings Account)*	.15%	.15%
*Minimum balance to open account is $50 CD & Savings Annual Percentage Yields are based on quarterly compounding Checking Annual Percentage Yields are based on monthly compounding Fees could reduce earnings on accounts Interest Rate and Annual Percentage Yield may change on variable rate account Contact an employee for further information about applicable fees and terms at (816) 385-3161.

Certificates of Deposit & IRAs (by Term)
91 Day $1000 Minimum Balance	.25%	.25%
6 Month $500 Minimum Balance	.50%	.50%
1 Year $500 Minimum Balance	.75%	.75%
2 Year $500 Minimum Balance	1.05%	1.05%
3 Year $500 Minimum Balance	1.26%	1.25%
4 Year $500 Minimum Balance	1.51%	1.50%
5 Year $500 Minimum Balance	1.87%	1.85%
Variable IRA-18 Month* $50 Minimum Balance *This rate may change after account is opened.	.60%	.60%
16 Month Special $500 Minimum Balance	1.05%	1.05%
22 Month Special $500 Minimum Balance	1.66%	1.65%
55 Month Special	2.07%	2.05%
Minimum Balance required to open account and obtain Annual Percentage Yield Fixed rate IRA's are subject to above rates Substantial penalty for early withdrawal