Rates

Rates effective April 21st, 2014

APY = Annual Percentage Yield.

Fees may reduce earnings.



Checking

REWARD Checking*APYInterest Rate
Balances between $0.01 – $25,0001.31%1.30%
Balances over $25,0001.31 to 0.46%0.25%
Non-Qualifying Rate0.05%0.05%

Qualifications:

To earn rewards on REWARD Checking, simply do the following during the monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive e-Statement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and log into online banking

* Minimum balance to open is $50.


Additional Checking RatesAPYInterest Rate
MMD Checking†

$1,000 - $9,999**.05%.05%
$10,000 - $49,999**.15%.15%
$50,000 and above**.25%.25%
NOW Checking†.05%.05%
Hometown Advantage†

Minimum balance required to obtain APY is $1,200

.05%.05%
Savings Account†.10%.10%
HSA†.10%.10%

†Minimum balance to open is $50.


  • CD & savings Annual Percentage Yields are based on quarterly compounding
  • Checking Annual Percentage Yield is based on monthly compounding
  • Fees could reduce earnings on the accounts
  • Interest rate and annual percentage yield may change on variable rate accounts

Contact an employee for further information about applicable fees and terms at (660) 385-3161.


Certificates of Deposit & IRAs

TermAPYInterest RateMinimum Balance^
91 Days.05%.05%$1000
6 Month.15%.15%$500
1 Year.25%.25%$500
2 Year.60%.60%$500
3 Year.80%.80%$500
4 Year1.05%1.05%$500
5 Year1.21%1.20%$500
Variable IRA-18 month

This rate may change after account is opened.

.80%.80%$50
16 month.80%.80%$500

^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